MONTEFRIO
ActiveSummary
The computed 12-month bankruptcy probability of MONTEFRIO is 1.6% (moderate). The 2025 annual accounts show equity of €31k and a net result of €28k. Its solvency ranks better than 74% of 11389 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability92
Solvency97
Growth-
Track record67
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.36; short-term debt: 27.9% and cash: 37.5% of total assets), and 27.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
72.1%
Return on assets
65.1%
Age of the figures
9 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 01-07-2026, 30 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
30 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Turnover
€207k
EBIT margin
13.4%
Net result
€28k
Working capital
€28k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €42k
Fixed assets
€3k
Current assets
€40k
Equity and liabilities €42k
Equity
€31k
Debt
€12k
Debt finances 27.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€29k
Cash flow
€29k
Current ratio
3.36
Quick ratio
3.29
Debt to equity
0.39
ROE
90.2%
ROA
65.1%
Interest coverage
193.70
Debt ≤ 1 year
€12k
Filed annual accounts As filed with the NBB · 2025 · 37 lines
Balance sheet
Code2025
Assets
Total assets20/58€42k
Fixed assets21/28€3k
Tangible fixed assets22/27€3k
Furniture and vehicles24€3k
Current assets29/58€40k
Stocks and contracts in progress3€769
Stocks30/36€769
Amounts receivable within one year40/41€23k
Trade receivables40€22k
Other amounts receivable41€1k
Cash at bank and in hand54/58€16k
Equity and liabilities
Total equity and liabilities10/49€42k
Equity10/15€31k
Contributions10/11€3k
Profit (loss) carried forward14€28k
Amounts payable17/49€12k
Amounts payable within one year42/48€12k
Trade debts44€912
Suppliers440/4€912
Taxes, remuneration and social security45€5k
Taxes450/3€607
Remuneration and social security454/9€4k
Other amounts payable47/48€6k
Income statement
Code2025
Turnover70€207k
Goods, raw materials, services and sundry goods60/61€178k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€212
Gross operating margin9900€29k
Operating profit (loss)9901€28k
Financial income75/76B€11
Recurring financial income75€11
Financial charges65/66B€150
Recurring financial charges65€150
Profit (loss) for the period before taxes9903€28k
Profit (loss) for the period9904€28k
Profit (loss) for the period to be appropriated9905€28k
Appropriation of the result
Profit (loss) to be appropriated9906€28k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Turnover70 | €207k |
| Goods, raw materials, services and sundry goods60/61 | €178k |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k |
| Other operating charges640/8 | €212 |
| Gross operating margin9900 | €29k |
| Operating profit (loss)9901 | €28k |
| Financial income75/76B | €11 |
| Recurring financial income75 | €11 |
| Financial charges65/66B | €150 |
| Recurring financial charges65 | €150 |
| Profit (loss) for the period before taxes9903 | €28k |
| Profit (loss) for the period9904 | €28k |
| Profit (loss) for the period to be appropriated9905 | €28k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €42k | |
| Fixed assets21/28 | €3k | |
| Tangible fixed assets22/27 | €3k | |
| Furniture and vehicles24 | €3k | |
| Current assets29/58 | €40k | |
| Stocks and contracts in progress3 | €769 | |
| Stocks30/36 | €769 | |
| Amounts receivable within one year40/41 | €23k | |
| Trade receivables40 | €22k | |
| Other amounts receivable41 | €1k | |
| Cash at bank and in hand54/58 | €16k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €42k | |
| Equity10/15 | €31k | |
| Contributions10/11 | €3k | |
| Profit (loss) carried forward14 | €28k | |
| Amounts payable17/49 | €12k | |
| Amounts payable within one year42/48 | €12k | |
| Trade debts44 | €912 | |
| Suppliers440/4 | €912 | |
| Taxes, remuneration and social security45 | €5k | |
| Taxes450/3 | €607 | |
| Remuneration and social security454/9 | €4k | |
| Other amounts payable47/48 | €6k | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €28k |
| + Depreciation and write-downs630 | €1k |
| Operating cash flow (approximation) | €29k |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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
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, Anderlecht · 1 establishment unit since 2024
Ground area
144 m²
Building footprint
198 m²
Volume, LiDAR
1,561 m³
Parcel 21305B0273/00M000, Brussels · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
MONTEFRIO
since 20242.366.182.762
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0273/00M000 | Brussels | 144 m² | 1 · 198 m² | 13.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAnderlecht2.366.182.762
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Of 958 companies in sector 46319 we hold annual accounts for 610. 258 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-10-2024
Fiscal year end31-12
Activities, NACEBEL 2025
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
49310Scheduled passenger transport by road
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
Scores and ratios are computed by Checked and are not a credit decision.