Montako
ActiveThe computed 12-month bankruptcy probability of Montako is 1.9% (moderate). The 2025 annual accounts show equity of €292k and a net result of €109k. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 27619 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 7.97 against 3.99 in 2024; short-term debt: 12.4% and cash: 53.6% of total assets), and 12.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
87.6%
Return on assets
32.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
25 d early
2024
11 d early
2023
17 d early
2022
13 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, micro schema
Equity
€292k▲ 41.5%
2024 · €206k
2022: €144k
2023: €166k
2024: €206k
2022 → 2025
Total assets
€333k▲ 21.7%
2024 · €274k
2022: €189k
2023: €225k
2024: €274k
2022 → 2025
Net result
€109k▲ 27.6%
2024 · €86k
2022: €144k
2023: €22k
2024: €86k
2022 → 2025
Working capital
€288k▲ 42.7%
2024 · €202k
2022: €135k
2023: €159k
2024: €202k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€144k-€166k▲ 15.0%€206k▲ 24.5%€292k▲ 41.5%
Operating result€186k-€27k▼ 85.4%€107k▲ 295%€141k▲ 31.9%
Net result€144k-€22k▼ 85.0%€86k▲ 296%€109k▲ 27.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €333k
Fixed assets
€4k▼ 10.2%
Current assets
€329k▲ 22.3%
Equity and liabilities €333k
Equity
€292k▲ 41.5%
Debt
€41k▼ 38.8%
The debt ratio falls from 24.6% to 12.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€144k▲
2024 · €109k
Cash flow
€112k▲
2024 · €88k
Solvency
87.6%▲
2024 · 75.4%
Current ratio
7.97▲
2024 · 3.99
Quick ratio
7.97▲
2024 · 3.99
Debt / equity
0.14▼
2024 · 0.33
ROE
37.4%▼
2024 · 41.5%
ROA
32.7%▲
2024 · 31.2%
Interest coverage
1844.93▲
2024 · 1630.49
Debt
€41k▼
2024 · €67k
Debt ≤ 1 year
€41k▼
2024 · €67k
Income taxes
€32k▲
2024 · €22k
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€274k€333k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€269k€329k▲
Amounts receivable within one year40/41€167k€150k▼
Trade receivables40€124k€126k▲
Other amounts receivable41€43k€25k▼
Cash at bank and in hand54/58€102k€179k▲
Equity and liabilities
Total equity and liabilities10/49€274k€333k▲
Equity10/15€206k€292k▲
Contributions10/11-€1
Profit (loss) carried forward14€206k€292k▲
Amounts payable17/49€67k€41k▼
Amounts payable within one year42/48€67k€41k▼
Trade debts44€487€2k▲
Suppliers440/4€487€2k▲
Taxes, remuneration and social security45€22k€16k▼
Taxes450/3€22k€16k▼
Other amounts payable47/48€45k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€46k▲
Gross operating margin9900€111k€190k▲
Operating profit (loss)9901€107k€141k▲
Financial charges65/66B€67€78▲
Recurring financial charges65€67€78▲
Profit (loss) for the period before taxes9903€107k€141k▲
Income taxes67/77€22k€32k▲
Profit (loss) for the period9904€86k€109k▲
Profit (loss) for the period to be appropriated9905€86k€109k▲
Appropriation of the result
Profit (loss) to be appropriated9906€251k€316k▲
Profit (loss) brought forward from the previous period14P€166k€206k▲
Profit to be distributed694/7€45k€24k▼
Return on contributions (dividend)694€45k€24k▼
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €206k ▲24.5%
3 profitable years in a row build equity to €206k.
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €22k ▼85%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €166k ▲15%
2 profitable years in a row build equity to €166k.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2022
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.
Luitenant Lippenslaan 522140 AntwerpenGround area
2,073 m²
Building footprint
226 m²
Volume, LiDAR
5,027 m³
Parcel 11006A0226/03M002, Flanders · tallest building 25.7 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Montako
since 20222.329.728.677
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0226/03M002 | Flanders | 2,073 m² | 1 · 226 m² | 25.7 m · 8 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.
Recognitions · licences · registrations
Recognised contractor
3 categoriesMontako BV44906
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Of 15,536 companies in sector 43990 we hold annual accounts for 7,421. 5,427 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2022
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.