Montaga
ActiveMontaga has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €89k. Its solvency ranks better than 47% of 8537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes
Profitability100
Solvency95
Growth-
Stability67
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 3.54), but 50.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.8%
Return on assets
47.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€93k
Total assets
€187k
Net result
€89k
Working capital
€105k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €187k
Fixed assets
€41k
Current assets
€147k
Equity and liabilities €187k
Equity
€93k
Debt
€94k
Debt finances 50.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€133k
Cash flow
€104k
Solvency
49.8%
Current ratio
3.54
Quick ratio
3.54
Debt / equity
1.01
ROE
95.9%
ROA
47.7%
Interest coverage
42.69
Debt
€94k
Debt ≤ 1 year
€41k
Debt > 1 year
€50k
Income taxes
€26k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€187k
Fixed assets21/28€41k
Tangible fixed assets22/27€41k
Furniture and vehicles24€41k
Current assets29/58€147k
Amounts receivable within one year40/41€93k
Trade receivables40€17k
Other amounts receivable41€76k
Cash at bank and in hand54/58€54k
Equity and liabilities
Total equity and liabilities10/49€187k
Equity10/15€93k
Contributions10/11€5k
Outside capital11€5k
Share premium1100/10€5k
Profit (loss) carried forward14€88k
Amounts payable17/49€94k
Amounts payable after more than one year17€50k
Financial debts170/4€50k
Amounts payable within one year42/48€41k
Trade debts44€4k
Suppliers440/4€4k
Taxes, remuneration and social security45€36k
Taxes450/3€36k
Other amounts payable47/48€1k
Accrued charges and deferred income492/3€3k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k
Other operating charges640/8€915
Gross operating margin9900€134k
Operating profit (loss)9901€118k
Financial income75/76B€174
Recurring financial income75€174
Financial charges65/66B€3k
Recurring financial charges65€3k
Profit (loss) for the period before taxes9903€115k
Income taxes67/77€26k
Profit (loss) for the period9904€89k
Profit (loss) for the period to be appropriated9905€89k
Appropriation of the result
Profit (loss) to be appropriated9906€89k
Profit to be distributed694/7€1k
Return on contributions (dividend)694€1k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ieper · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Komenseweg 2028902 IeperGround area
3,698 m²
Building footprint
194 m²
Volume, LiDAR
833 m³
Parcel 33010A0629/00B000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Montaga
since 20242.354.376.179
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33010A0629/00B000 | Flanders | 3,698 m² | 1 · 193 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
EFFICIO BY OLIVIER
BE 0804.257.979
Gembloux · Eq €93k
GUY DEWIL
BE 0879.488.112
Glabbeek · Eq €93k
Dennis Matthijs
BE 1010.581.632
Nijlen · Eq €93k
CAPTUS
BE 1018.991.829
Kortrijk · Eq €93k
VBM CONSULTING
BE 0759.695.981
Zemst · Eq €93k
Of 82,169 companies in sector 70200 we hold annual accounts for 52,388. 40,344 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
78200Temporary employment agencies and other provision of personnel
78300Employment activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.