MONTAIGNE
ActiveThe computed 12-month bankruptcy probability of MONTAIGNE is 5.7% (elevated). The 2025 annual accounts show negative equity (€-762) and a net result of €1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 3657 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+43
Solvency23▲+6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
5.7%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.92 against 0.81 in 2024; short-term debt: 102% and cash: 82.1% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-2%
Return on assets
3.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 3657 sector peers (2025).
NBB · sector comparisonPosition among 3657 sector peers
Solvency
better than 21%
← weakest
strongest →
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 · 6 filingsDeviation from the deadline
2025
27 d late
2024
25 d late
2023
15 d late
2022
45 d early
2021
4 d late
2020
59 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-762▲ 64.0%
2024 · €-2k
2020: €239
2021: €-10k
2022: €-9k
2023: €2k
2024: €-2k
2020 → 2025
Total assets
€38k▲ 34.8%
2024 · €28k
2020: €20k
2021: €27k
2022: €40k
2023: €57k
2024: €28k
2020 → 2025
Net result
€1k
2024 · €-4k
2020: €-2k
2021: €-10k
2022: €1k
2023: €11k
2024: €-4k
2020 → 2025
Working capital
€-3k▲ 44.3%
2024 · €-6k
2020: €-7k
2021: €-7k
2022: €-5k
2023: €6k
2024: €-6k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-10k-€-9k▲ 11.4%€2k€-2k€-762▲ 64.0%
Operating result€-9k-€2k€12k▲ 428%€-2k€5k
Net result€-10k-€1k€11k▲ 852%€-4k€1k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€2k▼ 32.4%
Current assets
€35k▲ 44.6%
Key figures and ratios
EBITDA
€6k▲
2024 · €-147
Cash flow
€2k▲
2024 · €-2k
Solvency
-2.0%▲
2024 · -7.6%
Current ratio
0.92▲
2024 · 0.81
Quick ratio
0.92▲
2024 · 0.81
ROA
3.6%▲
2024 · -14.6%
Interest coverage
2.49▲
2024 · -0.07
Debt
€38k▲
2024 · €30k
Debt ≤ 1 year
€38k▲
2024 · €30k
Income taxes
€1k
Staff costs
€87k▲
2024 · €65k
Equity ratios withheld: equity of €-762 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€28k€38k▲
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€2k€879▼
Plant, machinery and equipment23€2k€879▼
Financial fixed assets28€2k€2k=
Current assets29/58€24k€35k▲
Amounts receivable within one year40/41€3k€3k▼
Trade receivables40€367€466▲
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€20k€31k▲
Deferred charges and accrued income490/1€737€2k▲
Equity and liabilities
Total equity and liabilities10/49€28k€38k▲
Equity10/15€-2k€-762▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-4k€-3k▲
Amounts payable17/49€30k€38k▲
Amounts payable within one year42/48€30k€38k▲
Trade debts44€16k€19k▲
Suppliers440/4€16k€19k▲
Taxes, remuneration and social security45€11k€16k▲
Taxes450/3€3k€7k▲
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€65k€87k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€66k€95k▲
Operating profit (loss)9901€-2k€5k▲
Financial income75/76B€25€4▼
Recurring financial income75€25€4▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-4k€3k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-4k€1k▲
Profit (loss) for the period to be appropriated9905€-4k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-3k▲
Profit (loss) brought forward from the previous period14P€-63€-4k▼
Social balance
Average headcount (FTE)9087-64,711.5
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
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
15-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
2023
31-12
Financial
Highest result since 2020net €11k ▲852%
Operating result €12k, net result €11k, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Lanaken · 2 establishment units since 2020
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.
Op de Puin 223620 LanakenGround area
1.8 ha
Building footprint
445 m²
Volume, LiDAR
1 m³
2 parcels, Flanders · tallest building 0.2 m. Linked by address, not a title deed.
2 establishment units
MONTAIGNE
since 20202.299.592.757
MONTAIGNE
since 20202.299.592.856
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042C0655/00K006 | Flanders | 1.7 ha | 1 · 232 m² | 0.2 m |
| 73042D1157/00D000 | Flanders | 967 m² | 1 · 213 m² | 0.0 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLanaken2.299.592.856
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B & O ASSOCIATION
BE 0727.718.249
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XD HORECA
BE 1011.069.503
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BENSOTIER
BE 0661.832.582
Tessenderlo-Ham · Eq €2k
Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 2,718 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2020
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.montaigne.be
E-mail:info@montaigne.be