MonTom
ActiveSummary
The computed 12-month bankruptcy probability of MonTom is 1.9% (moderate). The 2024 annual accounts show equity of €58k and a net result of €-107k. Its solvency ranks better than 39% of 6162 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability0
Solvency35
Growth-
Track record67
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.23; short-term debt: 31.8% and cash: 5.2% of total assets), and 89.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
10.3%
Return on assets
-19%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-10-2025, 62 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 · 1 filingDeviation from the deadline
2024
62 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€58k
Total assets
€562k
Net result
€-107k
Working capital
€-137k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €562k
Fixed assets
€520k
Current assets
€41k
Equity and liabilities €562k
Equity
€58k
Debt
€503k
Debt finances 89.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€-93k
Cash flow
€-104k
Current ratio
0.23
Debt to equity
8.67
ROE
-184.1%
ROA
-19.0%
Interest coverage
-8.41
Debt ≤ 1 year
€179k
Debt > 1 year
€319k
Filed annual accounts As filed with the NBB · 2024 · 38 lines
Balance sheet
Code2024
Assets
Total assets20/58€562k
Fixed assets21/28€520k
Tangible fixed assets22/27€520k
Land and buildings22€507k
Plant, machinery and equipment23€2k
Furniture and vehicles24€810
Leasing and similar rights25€11k
Current assets29/58€41k
Amounts receivable within one year40/41€12k
Other amounts receivable41€12k
Cash at bank and in hand54/58€29k
Equity and liabilities
Total equity and liabilities10/49€562k
Equity10/15€58k
Contributions10/11€165k
Profit (loss) carried forward14€-107k
Amounts payable17/49€503k
Amounts payable after more than one year17€319k
Financial debts170/4€319k
Amounts payable within one year42/48€179k
Current portion of amounts payable after more than one year42€36k
Trade debts44€94k
Suppliers440/4€94k
Taxes, remuneration and social security45€2k
Taxes450/3€2k
Other amounts payable47/48€46k
Accrued charges and deferred income492/3€6k
Income statement
Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k
Other operating charges640/8€12k
Gross operating margin9900€-81k
Operating profit (loss)9901€-96k
Financial income75/76B€241
Recurring financial income75€241
Financial charges65/66B€11k
Recurring financial charges65€11k
Profit (loss) for the period before taxes9903€-107k
Profit (loss) for the period9904€-107k
Profit (loss) for the period to be appropriated9905€-107k
Appropriation of the result
Profit (loss) to be appropriated9906€-107k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 62 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2023
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.
Broekkantstraat 129051 GentGround area
2,562 m²
Building footprint
455 m²
Volume, LiDAR
2,172 m³
Parcel 44002B0094/00L000, Flanders · tallest building 10.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Broekkantstraat 12, 9051 Gent
since 20232.362.187.253
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44002B0094/00L000 | Flanders | 2,562 m² | 1 · 455 m² | 10.2 m · 1 fl. |
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.
Similar companies · same sector, comparable size
COHE'dion
BE 0731.630.220
Chaumont-Gistoux · Eq €57,394
ESPACE DE RESSOURCEMENT
BE 0849.971.903
Liège · Eq €57,168
A.C.A.
BE 0453.618.223
Herzele · Eq €57,049
HEBOA
BE 0671.699.957
Mouscron · Eq €57,020
BODY - SKIN - CLINIC
BE 0873.618.523
Antwerpen · Eq €59,995
Of 6,710 companies in sector 96230 we hold annual accounts for 628. 476 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
Founded14-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
96230Day spas, saunas and steam baths
46839Wholesale trade
55100Hotels and similar accommodation
56111Full-service restaurants
68110Buying and selling of own real estate
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.