Montis BV
ActiveSummary
Montis BV has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13k and a net result of €152k. Equity is shrinking by ~55.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 17% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+53
Solvency25▲+5
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.0 against 0.98 in 2024; short-term debt: 99.7% and cash: 13% of total assets), and 99.7% 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 · 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
0.3%
Return on assets
3.4%
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 17% of 9194 sector peers (2025).
NBB · sector comparisonPosition among 9194 sector peers
Solvency
better than 17%
← 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 19-08-2026, 19 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 · 4 filingsDeviation from the deadline
2025
19 d late
2024
108 d early
2023
13 d late
2022
31 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€13k
2024 · €-140k
2022: €119k
2023: €57k
2024: €-140k
2022 → 2025
Total assets
€4.44M▲ 63.3%
2024 · €2.72M
2022: €3.27M
2023: €4.90M
2024: €2.72M
2022 → 2025
Net result
€152k
2024 · €-197k
2022: €114k
2023: €-62k
2024: €-197k
2022 → 2025
Working capital
€12k
2024 · €-49k
2022: €119k
2023: €132k
2024: €-49k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€119k-€57k▼ 51.8%€-140k€13k
Operating result€184k-€-39k€-130k▼ 236%€192k
Net result€114k-€-62k€-197k▼ 220%€152k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €192k after a loss of €130k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.44M
Fixed assets
€1k ▲ 53.5%
Current assets
€4.43M ▲ 63.3%
Equity and liabilities €4.44M
Equity
€13k
Debt
€4.42M
Debt finances 99.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€193k▲
2024 · €-130k
Cash flow
€153k▲
2024 · €-197k
Current ratio
1.00▲
2024 · 0.98
Quick ratio
0.15▼
2024 · 0.22
ROA
3.4%▲
2024 · -7.2%
Interest coverage
4.82▲
2024 · -1.95
Debt ≤ 1 year
€4.42M▲
2024 · €2.76M
A ratio outside any meaningful range has been withheld (balance sheet total €4.44M, equity €13k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.72M€4.44M▲
Fixed assets21/28€708€1k▲
Tangible fixed assets22/27€708€1k▲
Plant, machinery and equipment23€708€1k▲
Current assets29/58€2.71M€4.43M▲
Stocks and contracts in progress3€2.11M€3.77M▲
Contracts in progress37€2.11M€3.77M▲
Amounts receivable within one year40/41€20k€84k▲
Trade receivables40€10k€3k▼
Other amounts receivable41€11k€81k▲
Cash at bank and in hand54/58€577k€574k▼
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€2.72M€4.44M▲
Equity10/15€-140k€13k▲
Contributions10/11€5k€5k=
Reserves13€114k€114k=
Distributable reserves133€114k€114k=
Profit (loss) carried forward14€-258k€-106k▲
Amounts payable17/49€2.86M€4.42M▲
Amounts payable within one year42/48€2.76M€4.42M▲
Financial debts43€300k€176k▼
Other loans439€300k€176k▼
Trade debts44€38k€64k▲
Suppliers440/4€38k€64k▲
Advances received on contracts in progress46€1.72M€4.14M▲
Taxes, remuneration and social security45€172k€40k▼
Taxes450/3€172k€40k▼
Other amounts payable47/48€537k-
Accrued charges and deferred income492/3€91k€450▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90€436▲
Other operating charges640/8€2k€998▼
Gross operating margin9900€-129k€194k▲
Operating profit (loss)9901€-130k€192k▲
Financial income75/76B€168€0▼
Recurring financial income75€168€0▼
Financial charges65/66B€67k€40k▼
Recurring financial charges65€67k€40k▼
Profit (loss) for the period before taxes9903€-197k€152k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-197k€152k▲
Profit (loss) for the period to be appropriated9905€-197k€152k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-258k€-106k▲
Profit (loss) brought forward from the previous period14P€-62k€-258k▼
The notes to these accounts (5 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Back to profitnet €152k
Net result €152k after 2 loss-making years.
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-197k
Net result drops to €-197k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tervuren · 1 establishment unit since 2021
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.
Jezus Eiklaan 44B3080 TervurenGround area
2,605 m²
Building footprint
411 m²
Volume, LiDAR
1,814 m³
2 parcels, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Montis BV
since 20212.321.484.172
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24302F0047/00L002 | Flanders | 2,036 m² | 1 · 278 m² | 7.0 m · 1 fl. |
| 24075C0067/00H000 | Flanders | 569 m² | 1 · 133 m² | 6.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
VIVEM
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FERONIA BOUW
BE 0740.451.280
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LD Immo
BE 0545.849.088
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URATEC
BE 0417.788.106
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Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 3,418 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.