MONTERRY
ActiveSummary
MONTERRY has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102,486 and a net result of €338,961. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+8
Solvency29▲+14
Growth52▲+17
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 1.92 against 2.09 in 2024; short-term debt: 51% and cash: 27.1% of total assets), but 95.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Residential care activities (NACE 87)
about 77% fewer bankruptcies
← 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
4.3%
Return on assets
14.1%
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 16% of 539 sector peers (2025).
NBB · sector comparisonPosition among 539 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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
3 d late
2024
21 d early
2023
23 d late
2022
19 d early
2021
25 d early
2020
4 d early
2019
24 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 27 days before the deadline, and 24% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 12 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
Turnover
€5.9m▲ 2.1%
2024 · €5.8m
EBIT margin
7.9%▲ 1.3pp
2024 · 6.6%
Net result
€338,961▲ 116%
2024 · €156,892
Working capital
€1.1m▼ 9.6%
2024 · €1.2m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 87, Residential care activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€5.7m€5.8m▲ 2.0%€5.9m▲ 2.1%
Operating result€345,198▼ 3.0%€446,328▲ 29.3%€406,979▼ 8.8%€384,627▼ 5.5%€470,838▲ 22.4%
Net result€259,100above the sector's middle half▼ 2.6%€306,153above the sector's middle half▲ 18.2%-€2.2mbelow the sector's middle half€156,892above the sector's middle half€338,961above the sector's middle half▲ 116%
EBIT margin7.2%6.6%▼ 0.5pp7.9%▲ 1.3pp
Equity€1.5mwithin the sector's middle half▲ 21.7%€1.8mabove the sector's middle half▲ 21.1%-€393,368below the sector's middle half-€236,476below the sector's middle half▲ 39.9%€102,486below the sector's middle half
Total assets€2.2mwithin the sector's middle half▲ 14.5%€4.7mabove the sector's middle half▲ 111%€2.5mwithin the sector's middle half▼ 47.4%€2.4mwithin the sector's middle half▼ 1.7%€2.4mwithin the sector's middle half▼ 1.0%
Debt€775,835▲ 3.2%€2.9m▲ 278%€2.9m▼ 2.5%€2.7m▼ 7.0%€2.3m▼ 13.6%
Working capital€1.6mabove the sector's middle half▲ 15.2%€876,502above the sector's middle half▼ 44.9%€801,550above the sector's middle half▼ 8.6%€1.2mabove the sector's middle half▲ 55.0%€1.1mabove the sector's middle half▼ 9.6%
Solvency65.2%above the sector's middle half▲ 3.8pp37.5%within the sector's middle half▼ 27.7pp-15.9%below the sector's middle half▼ 53.4pp-9.8%below the sector's middle half▲ 6.2pp4.3%below the sector's middle half▲ 14.0pp
Current ratio3.59above the sector's middle half▼ 0.031.96within the sector's middle half▼ 1.631.68within the sector's middle half▼ 0.282.09within the sector's middle half▲ 0.411.92within the sector's middle half▼ 0.17
Return on assets (ROA)11.6%above the sector's middle half▼ 2.1pp6.5%above the sector's middle half▼ 5.1pp-87.2%below the sector's middle half▼ 93.7pp6.5%above the sector's middle half▲ 93.7pp14.1%above the sector's middle half▲ 7.6pp
Staff (FTE)66above the sector's middle half▼ 1.0%67.4above the sector's middle half▲ 2.1%66.9above the sector's middle half▼ 0.7%67.9above the sector's middle half▲ 1.5%69.3above the sector's middle half▲ 2.1%
above
within
below
the middle half (P25 to P75) of NACE 87, Residential care activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.4m
Fixed assets
€52,481 ▲ 31.8%
Current assets
€2.3m ▼ 1.5%
Equity and liabilities €2.4m
Equity
€102,486
Debt
€2.3m
Debt finances 95.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€484,319▲
2024 · €397,203
Cash flow
€352,442▲
2024 · €169,469
Quick ratio
1.91▼
2024 · 2.08
Debt to equity
22.43▲
2024 · -11.26
ROE
330.7%
Interest coverage
8.92▲
2024 · 6.11
Debt ≤ 1 year
€1.2m▲
2024 · €1.1m
Debt > 1 year
€870,239▼
2024 · €1.2m
Income taxes
€114,115▲
2024 · €52,963
Staff costs
€4.6m▲
2024 · €4.4m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 166 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 97% are still going.
- Medium-sized
- solvency under 10%
- a profit of 5% of the balance sheet or more
- without age
1.2%
went bankrupt
1.8%
stopped otherwise
97%
still going
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 166 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | €6.7m | €6.7m | €6.8m | ▲ 2.6% |
| Turnover70 | - | - | €5.7m | €5.8m | €5.9m | ▲ 2.1% |
| Other operating income74 | - | - | €962,462 | €853,737 | €906,445 | ▲ 6.2% |
| Operating charges60/66A | - | - | €6.2m | €6.3m | €6.4m | ▲ 1.4% |
| Goods for resale, raw materials and consumables60 | - | - | €783,156 | €823,229 | €823,892 | ▲ 0.1% |
| Purchases600/8 | - | - | €781,770 | €823,426 | €821,915 | ▼ 0.2% |
| Change in stocks: decrease (increase)609 | - | - | €1,386 | -€197 | €1,977 | ▲ 1,103% |
| Services and other goods61 | - | - | €1.2m | €1.0m | €943,231 | ▼ 8.3% |
| Remuneration, social security and pensions62 | €3.3m | €3.6m | €4.3m | €4.4m | €4.6m | ▲ 3.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,841 | €8,552 | €8,201 | €12,577 | €13,480 | ▲ 7.2% |
| Other operating charges640/8 | €24,538 | €30,394 | €20,800 | €29,134 | €30,214 | ▲ 3.7% |
| Non-recurring operating charges66A | - | - | - | - | €587 | - |
| Gross operating margin9900 | €3.7m | €4.0m | - | - | - | - |
| Operating profit (loss)9901 | €345,198 | €446,328 | €406,979 | €384,627 | €470,838 | ▲ 22.4% |
| Financial income75/76B | €1 | €7,108 | €34,837 | €34,704 | €37,841 | ▲ 9.0% |
| Recurring financial income75 | €1 | €7,108 | €34,837 | €34,628 | €37,841 | ▲ 9.3% |
| Income from current assets751 | - | - | €34,837 | €34,589 | €37,840 | ▲ 9.4% |
| Other financial income752/9 | - | - | €1 | €40 | €1 | ▼ 96.7% |
| Non-recurring financial income76B | - | - | - | €76 | €0 | ▼ 100% |
| Financial charges65/66B | €419 | €44,304 | €2.5m | €209,476 | €55,603 | ▼ 73.5% |
| Recurring financial charges65 | €419 | €44,304 | €77,727 | €66,334 | €55,603 | ▼ 16.2% |
| Debt charges650 | - | - | €76,755 | €64,998 | €54,320 | ▼ 16.4% |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651 | - | - | €0 | - | - | - |
| Other financial charges652/9 | - | - | €972 | €1,336 | €1,283 | ▼ 3.9% |
| Non-recurring financial charges66B | - | - | €2.4m | €143,143 | €0 | ▼ 100% |
| Profit (loss) for the period before taxes9903 | €344,780 | €409,131 | -€2.1m | €209,855 | €453,077 | ▲ 116% |
| Income taxes67/77 | €85,681 | €102,978 | €91,063 | €52,963 | €114,115 | ▲ 115% |
| Taxes670/3 | - | - | €91,443 | €52,963 | €114,115 | ▲ 115% |
| Tax adjustments and reversals of tax provisions77 | - | - | €379 | €0 | - | - |
| Profit (loss) for the period9904 | €259,100 | €306,153 | -€2.2m | €156,892 | €338,961 | ▲ 116% |
| Profit (loss) for the period to be appropriated9905 | €259,100 | €306,153 | -€2.2m | €156,892 | €338,961 | ▲ 116% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.2m | €4.7m | €2.5m | €2.4m | €2.4m | ▼ 1.0% |
| Fixed assets21/28 | €25,311 | €2.9m | €487,662 | €39,825 | €52,481 | ▲ 31.8% |
| Tangible fixed assets22/27 | €25,311 | €19,474 | €25,238 | €39,825 | €52,481 | ▲ 31.8% |
| Plant, machinery and equipment23 | €6,697 | €3,413 | €11,979 | €27,699 | €25,796 | ▼ 6.9% |
| Furniture and vehicles24 | €1,568 | €1,251 | €1,469 | €814 | €13,431 | ▲ 1,550% |
| Other tangible fixed assets26 | €17,045 | €14,809 | €11,790 | €11,312 | €13,253 | ▲ 17.2% |
| Financial fixed assets28 | - | €2.9m | €462,424 | €0 | - | - |
| Affiliated companies280/1 | - | - | €462,424 | €0 | - | - |
| Participating interests280 | - | - | €462,424 | €0 | - | - |
| Current assets29/58 | €2.2m | €1.8m | €2.0m | €2.4m | €2.3m | ▼ 1.5% |
| Amounts receivable after more than one year29 | - | - | €850,000 | €1.1m | €771,758 | ▼ 27.4% |
| Other amounts receivable291 | - | - | €850,000 | €1.1m | €771,758 | ▼ 27.4% |
| Stocks and contracts in progress3 | €10,215 | €13,350 | €11,964 | €12,161 | €10,184 | ▼ 16.3% |
| Stocks30/36 | €10,215 | €13,350 | €11,964 | €12,161 | €10,184 | ▼ 16.3% |
| Raw materials and consumables30/31 | - | - | €11,964 | €12,161 | €10,184 | ▼ 16.3% |
| Amounts receivable within one year40/41 | €598,809 | €619,479 | €686,845 | €828,211 | €896,110 | ▲ 8.2% |
| Trade receivables40 | €514,579 | €561,458 | €663,355 | €653,331 | €658,922 | ▲ 0.9% |
| Other amounts receivable41 | €84,230 | €58,020 | €23,490 | €174,881 | €237,188 | ▲ 35.6% |
| Cash at bank and in hand54/58 | €1.6m | €1.2m | €392,714 | €406,521 | €651,505 | ▲ 60.3% |
| Deferred charges and accrued income490/1 | €1,952 | €1,924 | €38,650 | €75,847 | €18,913 | ▼ 75.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.2m | €4.7m | €2.5m | €2.4m | €2.4m | ▼ 1.0% |
| Equity10/15 | €1.5m | €1.8m | -€393,368 | -€236,476 | €102,486 | ▲ 143% |
| Contributions10/11 | €272,683 | €272,683 | €272,683 | €272,683 | €272,683 | = |
| Capital10 | €272,683 | €272,683 | €272,683 | €272,683 | €272,683 | = |
| Issued capital100 | €272,683 | €272,683 | €272,683 | €272,683 | €272,683 | = |
| Reserves13 | €46,018 | €46,018 | €46,018 | €46,018 | €46,018 | = |
| Non-distributable reserves130/1 | €27,268 | €27,268 | €27,268 | €27,268 | €27,268 | = |
| Legal reserve130 | €27,268 | €27,268 | €27,268 | €27,268 | €27,268 | = |
| Tax-exempt reserves132 | €18,750 | €18,750 | €18,750 | €18,750 | €18,750 | = |
| Profit (loss) carried forward14 | €1.1m | €1.4m | -€712,069 | -€555,177 | -€216,216 | ▲ 61.1% |
| Amounts payable17/49 | €775,835 | €2.9m | €2.9m | €2.7m | €2.3m | ▼ 13.6% |
| Amounts payable after more than one year17 | - | €1.8m | €1.5m | €1.2m | €870,239 | ▼ 26.1% |
| Financial debts170/4 | - | €1.8m | €1.5m | €1.2m | €870,239 | ▼ 26.1% |
| Credit institutions173 | - | - | €1.5m | €1.2m | €870,239 | ▼ 26.1% |
| Other loans174 | - | - | €0 | - | - | - |
| Amounts payable within one year42/48 | €613,117 | €909,650 | €1.2m | €1.1m | €1.2m | ▲ 7.2% |
| Current portion of amounts payable after more than one year42 | - | €307,143 | €307,143 | €307,143 | €307,143 | = |
| Trade debts44 | €244,832 | €254,846 | €203,053 | €131,134 | €140,169 | ▲ 6.9% |
| Suppliers440/4 | €244,832 | €254,846 | €203,053 | €131,134 | €140,169 | ▲ 6.9% |
| Taxes, remuneration and social security45 | €368,285 | €347,661 | €668,428 | €704,614 | €777,742 | ▲ 10.4% |
| Taxes450/3 | €31,181 | €11,703 | €33,604 | €36,740 | €55,691 | ▲ 51.6% |
| Remuneration and social security454/9 | €337,104 | €335,957 | €634,824 | €667,874 | €722,051 | ▲ 8.1% |
| Accrued charges and deferred income492/3 | €162,718 | €210,694 | €198,056 | €341,269 | €203,173 | ▼ 40.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €259,100 | €306,153 | -€2.2m | €156,892 | €338,961 | ▲ 116% |
| + Depreciation and write-downs630 | €16,841 | €8,552 | €8,201 | €12,577 | €13,480 | ▲ 7.2% |
| Operating cash flow (approximation) | €275,940 | €314,705 | -€2.1m | €169,469 | €352,442 | ▲ 108% |
| Investment in fixed assets (approximation) | - | -€2.9m | €2.4m | €435,261 | -€26,137 | ▼ 106% |
| Change in cash | - | -€441,097 | -€758,685 | €13,806 | €244,984 | ▲ 1,674% |
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
Next filing, fiscal year 2026, expected by
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 3 days late
2025
31-12
Financial
Highest result since 2018net €338,961 ▲116%
Operating result €470,838, net result €338,961, both a record.
31-12
Financial
Equity above €100,000Eq €102,486
2 profitable years in a row build equity to €102,486.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €156,892
Net result €156,892 after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet -€2.2m
Net result drops to -€2.2m, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €1mEq €1.2m ▲28.7%
3 profitable years in a row build equity to €1.2m.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 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
10 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, Liège · 1 establishment unit since 2003
Ground area
1,954 m²
Building footprint
889 m²
Volume, LiDAR
21,739 m³
Parcel 62804D0269/00S000, Wallonia · tallest building 26.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Monterry
since 20032.133.013.271
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62804D0269/00S000 | Wallonia | 1,954 m² | 1 · 889 m² | 26.9 m · 8 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.
Structure & network
Owners and holdings
1 ownerChain of control
- Vulpia Care
- MONTERRY
Highest known parent: Vulpia Care. The sources do not say who stands above it.
Owners 1
-
100%
Stated earlier (1)
An older source named these owners; newer accounts no longer list them.
-
100%
Holdings 0
The accounts to 31-12-2025 list no holdings, and no other source names one.
According to the 2025 annual accounts of MONTERRY and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.133.013.271
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Of 601 companies in sector 87301 we hold annual accounts for 494. 215 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded26-05-2003
Fiscal year end31-12
Activities, NACEBEL 2025
87301Residential care activities
Contact
E-mail
fhooghstoel.ramioul@cybernet.beLiège
Phone
042297421Liège
E-invoicing
Reachable via Peppol
Peppol ID
0208:0480289857
Registered
10-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.