MONTECH
ActiveMONTECH has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.12M and a net result of €1.18M. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 94% of 41 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-17
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €650k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 2.95 in 2024), and 37.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+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 33
Relative position
BE, all sectors
reference
Sector 33
higher
← fewer bankruptcies
more bankruptcies →
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
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
62.7%
Return on assets
10.4%
Age of the figures
8 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 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
61 d late
2023
30 d late
2022
60 d late
2021
29 d late
2020
20 d late
2019
24 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€7.12M▲ 19.8%
2024 · €5.94M
2023: €5.38M
2024: €5.94M
2023 → 2025
Total assets
€11.35M▲ 26.6%
2024 · €8.97M
2023: €10.85M
2024: €8.97M
2023 → 2025
Net result
€1.18M▼ 26.3%
2024 · €1.60M
2023: €1.92M
2024: €1.60M
2023 → 2025
Working capital
€5.73M▲ 30.6%
2024 · €4.39M
2023: €3.71M
2024: €4.39M
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€5.38M-€5.94M▲ 10.3%€7.12M▲ 19.8%
Operating result€2.59M-€2.32M▼ 10.7%€1.66M▼ 28.3%
Net result€1.92M-€1.60M▼ 16.8%€1.18M▼ 26.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 28% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.35M
Fixed assets
€2.41M▲ 3.6%
Current assets
€8.94M▲ 34.6%
Equity and liabilities €11.35M
Equity
€7.12M▲ 19.8%
Provisions
€964k▲ 49.2%
Debt
€3.27M▲ 37.2%
The debt ratio rises from 26.6% to 28.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€1.99M▼
2024 · €2.60M
Cash flow
€1.51M▼
2024 · €1.89M
Solvency
62.7%▼
2024 · 66.2%
Current ratio
2.79▼
2024 · 2.95
Quick ratio
2.02▼
2024 · 2.75
Debt / equity
0.46▲
2024 · 0.40
ROE
16.6%▼
2024 · 26.9%
ROA
10.4%▼
2024 · 17.8%
Interest coverage
151.59▼
2024 · 164.41
Debt
€3.27M▲
2024 · €2.38M
Debt ≤ 1 year
€3.21M▲
2024 · €2.25M
Debt > 1 year
€59k▼
2024 · €128k
Income taxes
€498k▼
2024 · €713k
Staff costs
€2.98M▲
2024 · €2.25M
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
Balance sheet
Code2025
Total assets
20/58€11.35M
Fixed assets
21/28€2.41M
Tangible fixed assets
22/27€1.58M
Financial fixed assets
28€825k
Current assets
29/58€8.94M
Stocks & contracts in progress
3€2.45M
Amounts receivable within one year
40/41€1.70M
Investments
50/53€2.50M
Cash & bank
54/58€2.30M
Total equity & liabilities
10/49€11.35M
Equity
10/15€7.12M
Contributions / capital
10/11€25k
Reserves
13€7.09M
Provisions & deferred taxes
16€964k
Amounts payable
17/49€3.27M
Amounts payable after one year
17€59k
Amounts payable within one year
42/48€3.21M
Trade debts payable within one year
44€921k
Income statement
Code2025
Gross operating margin
9900€5.42M
Operating result
9901€1.66M
Financial income
75€28k
Financial charges
65€13k
Result before taxes
9903€1.68M
Income taxes
67/77€498k
Net result for the period
9904€1.18M
Result to be appropriated
9905€758k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €1.18M ▼26.3%
Net result drops to €1.18M, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 57 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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Of 1,223 companies in sector 33200 we hold annual accounts for 660. 126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-1996
Fiscal year end31-12
Activities, NACEBEL
33200Installation of industrial machinery and equipment
43211General electrical installation work
45310
28250Manufacture of machinery and equipment not elsewhere classified
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 27-08-2026. Scores and ratios are computed by Checked and are not a credit decision.