MONTE CRISTO
ActiveThe computed 12-month bankruptcy probability of MONTE CRISTO is 2.8% (moderate). The 2025 annual accounts show negative equity (€-407k) and a net result of €84k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 5% of 13061 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
8
/ 100
Critical▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-5
Solvency33=
Growth58=
Stability100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 · 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 2025Age of the figures
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 13061 sector peers (2025).
NBB · sector comparisonPosition among 13061 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
28 d late
2024
35 d early
2023
43 d early
2022
4 d early
2021
16 d late
2020
31 d late
2019
39 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-407k▲ 17.1%
2024 · €-491k
2018: €-262k
2019: €-440k
2020: €-469k
2021: €-482k
2022: €-482k
2023: €-487k
2024: €-491k
2018 → 2025
Total assets
€2k▼ 38.8%
2024 · €3k
2018: €254k
2019: €63k
2020: €34k
2021: €2k
2022: €2k
2023: €3k
2024: €3k
2018 → 2025
Net result
€84k
2024 · €-5k
2018: €-268k
2019: €-178k
2020: €-29k
2021: €-13k
2022: €140
2023: €-5k
2024: €-5k
2018 → 2025
Working capital
€-407k▲ 17.1%
2024 · €-491k
2018: €-465k
2019: €-439k
2020: €-469k
2021: €-482k
2022: €-482k
2023: €-487k
2024: €-491k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-482k-€-482k=€-487k▼ 1.0%€-491k▼ 0.9%€-407k▲ 17.1%
Operating result€-13k-€4k€-3k€-3k▲ 1.9%€87k
Net result€-13k-€140€-5k€-5k▲ 2.8%€84k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €87k after a loss of €3k in 2024, the highest year so far.
Key figures and ratios
Debt
€409k▼
2024 · €494k
Debt ≤ 1 year
€409k▼
2024 · €494k
Ratios withheld: a balance sheet total of €2k 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€3k€2k▼
Current assets29/58€3k€2k▼
Amounts receivable within one year40/41€3k€1k▼
Trade receivables40€1k€1k=
Other amounts receivable41€1k€84▼
Cash at bank and in hand54/58€9€373▲
Equity and liabilities
Total equity and liabilities10/49€3k€2k▼
Equity10/15€-491k€-407k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-497k€-413k▲
Amounts payable17/49€494k€409k▼
Amounts payable within one year42/48€494k€409k▼
Trade debts44€17k€58k▲
Suppliers440/4€17k€58k▲
Other amounts payable47/48€477k€350k▼
Income statement
Code20242025
Other operating charges640/8€528€544▲
Gross operating margin9900€-3k€87k▲
Operating profit (loss)9901€-3k€87k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-5k€84k▲
Profit (loss) for the period9904€-5k€84k▲
Profit (loss) for the period to be appropriated9905€-5k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-497k€-413k▲
Profit (loss) brought forward from the previous period14P€-493k€-497k▼
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €84k
Net result €84k after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €140
Net result €140 after 4 loss-making years.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
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, Gent · 1 establishment unit since 2017
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.
Lammerstraat 109000 GentGround area
64 m²
Building footprint
64 m²
Volume, LiDAR
839 m³
Parcel 44805E0334/00C000, Flanders · tallest building 16.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
MONTE CRISTO
since 20172.263.750.861
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E0334/00C000 | Flanders | 64 m² | 1 · 64 m² | 16.5 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Connections & network
6 connected companiesNetwork connections
Shared address
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Shared address
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Shared address
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Shared address
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Show 2 more network connections
Shared address
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Shared address
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 13,832 companies in sector 56301 we hold annual accounts for 4,808.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2017
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.