MONTEFIORE DEVELOPMENT
ActiveMONTEFIORE DEVELOPMENT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €616k and a net result of €234k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 11% of 829 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+1
Solvency27▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Liquidity tight (current ratio 1.0 against 1.03 in 2024; short-term debt: 97.7% and cash: 16.7% of total assets), and 97.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 41
Relative position
BE, all sectors
reference
Sector 41
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
2.3%
Return on assets
0.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 829 sector peers (2025).
NBB · sector comparisonPosition among 829 sector peers
Solvency
better than 11%
← weakest
strongest →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
15 d early
2024
16 d early
2023
56 d late
2022
59 d late
2021
24 d late
2020
26 d late
2019
74 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€234k▲ 189%
2024 · €81k
2019: €-14k
2020: €-12k
2021: €-15k
2022: €-21k
2023: €63k
2024: €81k
2019 → 2025
Working capital
€56▼ 100.0%
2024 · €382k
2019: €2.75M
2020: €2.81M
2021: €3.07M
2023: €301k
2024: €382k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€259k-€238k▼ 8.2%€301k▲ 26.6%€382k▲ 26.9%€616k▲ 61.2%
Operating result€64k-€91k▲ 40.9%€220k▲ 143%€-77k€-10k▲ 86.9%
Net result€-15k-€-21k▼ 46.7%€63k€81k▲ 28.0%€234k▲ 189%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €77k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26.65M
Fixed assets
€616k
Current assets
€26.03M
Equity and liabilities €26.65M
Equity
€616k▲ 61.2%
Debt
€26.03M▲ 123%
The debt ratio rises from 96.8% to 97.7%. Equity and debt are higher.
Key figures and ratios
Solvency
2.3%▼
2024 · 3.2%
Current ratio
1.00▼
2024 · 1.03
Quick ratio
1.00▼
2024 · 1.03
Debt / equity
42.25▲
2024 · 30.47
ROE
37.9%▲
2024 · 21.2%
ROA
0.9%▲
2024 · 0.7%
Debt
€26.03M▲
2024 · €11.65M
Debt ≤ 1 year
€26.03M▲
2024 · €11.65M
Income taxes
€78k▲
2024 · €28k
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€12.03M€26.65M▲
Fixed assets21/28-€616k
Tangible fixed assets22/27-€616k
Assets under construction and advance payments27-€616k
Current assets29/58€12.03M€26.03M▲
Stocks and contracts in progress3€0€0=
Contracts in progress37€0€0=
Amounts receivable within one year40/41€7.70M€4.03M▼
Trade receivables40€2.61M€269k▼
Other amounts receivable41€5.09M€3.76M▼
Current investments50/53€3.50M€17.50M▲
Cash at bank and in hand54/58€830k€4.46M▲
Deferred charges and accrued income490/1€3k€38k▲
Equity and liabilities
Total equity and liabilities10/49€12.03M€26.65M▲
Equity10/15€382k€616k▲
Contributions10/11€300k€300k=
Capital10€300k€300k=
Issued capital100€300k€300k=
Reserves13€4k€16k▲
Non-distributable reserves130/1€4k€16k▲
Legal reserve130€4k€16k▲
Profit (loss) carried forward14€78k€300k▲
Amounts payable17/49€11.65M€26.03M▲
Amounts payable within one year42/48€11.65M€26.03M▲
Trade debts44€1.77M€2.17M▲
Suppliers440/4€1.77M€2.17M▲
Advances received on contracts in progress46€9.50M€23.34M▲
Taxes, remuneration and social security45€374k€529k▲
Taxes450/3€374k€529k▲
Income statement
Code20242025
Other operating charges640/8€83k€12k▼
Gross operating margin9900€5k€2k▼
Operating profit (loss)9901€-77k€-10k▲
Financial income75/76B€208k€342k▲
Recurring financial income75€208k€342k▲
Financial charges65/66B€21k€21k▼
Recurring financial charges65€21k€21k▼
Profit (loss) for the period before taxes9903€109k€312k▲
Income taxes67/77€28k€78k▲
Profit (loss) for the period9904€81k€234k▲
Profit (loss) for the period to be appropriated9905€81k€234k▲
Appropriation of the result
Profit (loss) to be appropriated9906€82k€312k▲
Profit (loss) brought forward from the previous period14P€1k€78k▲
Transfer to equity691/2€4k€12k▲
To the legal reserve6920€4k€12k▲
The notes to these accounts (2 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2019net €234k ▲189%
Net result €234k, the highest in the series.
31-12
Financial
Equity above €500kEq €616k ▲61.2%
3 profitable years in a row build equity to €616k.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 56 days late
2023
31-12
Financial
Back to profitnet €63k
Net result €63k after 4 loss-making years.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-12
Financial
Liquidity times 122current ratio 8095.24
Current ratio from 66.35 to 8095.24; short-term debt falls from €42k to €348.
13-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 74 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ans
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.
Rue des Anglais 64430 AnsGround area
1.2 ha
Parcel 62332B0085/00C000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62332B0085/00C000 | Wallonia | 1.2 ha | - | - |
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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 8,386 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-02-2019
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.