Financials
- Fiscal year
- 2024
- Turnover
- €43,216
- Loss
- -€2,062
- Solvency
- -1167.8%
Turnover▲ 13.7%
Net result
20202024
MONTAL
ActiveSummary
The computed 12-month bankruptcy probability of MONTAL is 8.4% (elevated). The 2024 annual accounts show negative equity (-€25,121) and a net result of -€2,062. Equity is shrinking by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 18968 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Limited-service restaurants, excluding mobile food services
NACE 56112Limited-service restaurants NACE 56102
1 site
Size
€43,216turnover 2024
- Equity
- -€25,121
- Loss
- -€2,062
Structure
Accounts 66 d overdue
Why 31- 1 financial year not filed after the legal deadline; latest accounts 148 days late; 1 of the last 3 late- Sector Food and beverage service activities (NACE 56)- Founded in 2019+ Size: turnover €43,216, total assets €2,151Show the evidence
Checked score
Score 2024
31
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 18% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
0=
equity -1167.8% of total assets
Liquidity
1=
short-term debt 1267.8% · cash 0.6%
Profitability
0-100
return on assets -95.8%
Bankruptcy probability, 12 months
8.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 8 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 5.4%
12-2024: 5.2%▼ -4.1% vs 11-2024
01-2025: 5.1%▼ -2.2% vs 12-2024
02-2025: 5.1%● 0.0% vs 01-2025
03-2025: 5.1%▼ -0.2% vs 02-2025
04-2025: 5.2%▲ +2.1% vs 03-2025
05-2025: 5.2%▼ -0.1% vs 04-2025
06-2025: 4.9%▼ -5.6% vs 05-2025lowest value
07-2025: 5.0%▲ +1.7% vs 06-2025
08-2025: 5.4%▲ +7.5% vs 07-2025
09-2025: 5.4%▲ +1.0% vs 08-2025
10-2025: 5.9%▲ +8.2% vs 09-2025
11-2025: 5.9%▲ +0.5% vs 10-2025
12-2025: 6.7%▲ +14.3% vs 11-2025
01-2026: 9.0%▲ +33.2% vs 12-2025highest value
02-2026: 7.7%▼ -13.8% vs 01-2026
03-2026: 7.7%▼ -0.7% vs 02-2026
04-2026: 7.8%▲ +1.2% vs 03-2026
05-2026: 7.7%▼ -1.2% vs 04-2026
06-2026: 7.0%▼ -8.5% vs 05-2026
07-2026: 7.1%▲ +0.9% vs 06-2026
08-2026: 7.3%▲ +3.4% vs 07-2026
09-2026: 7.4%▲ +0.9% vs 08-2026
10-2026: 8.4%▲ +13.1% vs 09-2026
- 1 financial year not filed after the legal deadline; latest accounts 148 days late; 1 of the last 3 late raises the probability
- Size: turnover €43,216, total assets €2,151 lowers the probability for this profile
- Sector Food and beverage service activities (NACE 56) raises the probability
- Founded in 2019 raises the probability for this profile
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 9%, liquidity 2%, profitability 8%, growth against the median 52%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
20212324
2020 to 2024 · latest year -€25,121
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-12-2025, 148 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
148 d late
2023
30 d late
2021
30 d late
2020
54 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 66 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
- Back to profitnet €11,029
Key points
By topic
Timeline
- Events
- 5
- Since
- 2021
- 26-12-2025Annual accounts filed
- 30-08-2024Annual accounts filed
- 31-12-2023Back to profit
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Limited-service restaurants, excluding mobile food servicesNACE 56112
- Founded
- 02-10-2019
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.