MONTAVIMMO
ActiveThe computed 12-month bankruptcy probability of MONTAVIMMO is 3.0% (moderate). The 2025 annual accounts show negative equity (€-8k) and a net result of €-1k. Equity is shrinking by ~19.1% per year across the filed fiscal years. The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
17
/ 100
Critical▼ -1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+20
Solvency33=
Growth58=
Stability100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.01 in 2024), 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.
−lowers risk+raises risk○neutral
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
-57229.4%
Return on assets
-7916%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€8k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 10 filingsDeviation from the deadline
2025
5 d late
2024
26 d late
2023
7 d early
2022
29 d late
2021
22 d late
2020
10 d late
2019
24 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-1k▼ 64.5%
2024 · €-698
2018: €-22k
2019: €-23k
2020: €-24k
2021: €-870
2022: €-362
2023: €-1k
2024: €-698
2018 → 2025
Working capital
€-8k▼ 16.1%
2024 · €-7k
2018: €-2k
2019: €-3k
2020: €-4k
2021: €-4k
2022: €-5k
2023: €-6k
2024: €-7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€-5k▼ 7.8%€-6k▼ 28.6%€-7k▼ 10.8%€-8k▼ 16.1%
Operating result€-719-€-189▲ 73.8%€-1k▼ 576%€-545▲ 57.2%€-889▼ 63.1%
Net result€-870-€-362▲ 58.3%€-1k▼ 296%€-698▲ 51.3%€-1k▼ 64.5%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €889 in 2025 against €545 in 2024; the loss grows.
Key figures and ratios
Solvency
-57229.4%▼
2024 · -7984.1%
Current ratio
0.00▼
2024 · 0.01
Quick ratio
0.00▼
2024 · 0.01
Debt / equity
-1.00▲
2024 · -1.01
ROE
13.8%▲
2024 · 9.8%
ROA
-7916.0%▼
2024 · -779.2%
Debt
€8k▲
2024 · €7k
Debt ≤ 1 year
€8k▲
2024 · €7k
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€90€15▼
Current assets29/58€90€15▼
Cash at bank and in hand54/58€90€15▼
Equity and liabilities
Total equity and liabilities10/49€90€15▼
Equity10/15€-7k€-8k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-27k€-28k▼
Amounts payable17/49€7k€8k▲
Amounts payable within one year42/48€7k€8k▲
Trade debts44-€424
Suppliers440/4-€424
Other amounts payable47/48€7k€8k▲
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€-158€-489▼
Operating profit (loss)9901€-545€-889▼
Financial charges65/66B€153€260▲
Recurring financial charges65€153€260▲
Profit (loss) for the period before taxes9903€-698€-1k▼
Profit (loss) for the period9904€-698€-1k▼
Profit (loss) for the period to be appropriated9905€-698€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-28k▼
Profit (loss) brought forward from the previous period14P€-26k€-27k▼
The notes to these accounts (1 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 23 days late
2018
18-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 18 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded09-06-2010
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-08-2026. Scores and ratios are computed by Checked and are not a credit decision.