Montour
ActiveSummary
The computed 12-month bankruptcy probability of Montour is 2.9% (moderate). The 2025 annual accounts show negative equity (€-4k) and a net result of €-16k. Equity is shrinking by ~46.3% per year across the filed fiscal years. Its solvency ranks better than 9% of 27786 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
33
/ 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
Profitability14▲+14
Solvency24▼-76
Growth32=
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.73 against 10.94 in 2024; short-term debt: 28.9% and cash: 11.5% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
-0.8%
Return on assets
-3.5%
Age of the figures
12 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-4k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
15 d late
2023
34 d early
2022
11 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-4k
2024 · €13k
2022: €18k
2023: €19k
2024: €13k
2022 → 2025
Total assets
€469k▲ 3,396%
2024 · €13k
2022: €25k
2023: €27k
2024: €13k
2022 → 2025
Net result
€-16k▼ 134%
2024 · €-7k
2022: €-7k
2023: €1k
2024: €-7k
2022 → 2025
Working capital
€-36k
2024 · €9k
2022: €11k
2023: €14k
2024: €9k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€18k-€19k▲ 7.3%€13k▼ 35.6%€-4k
Operating result€-7k-€1k€-4k€-13k▼ 225%
Net result€-7k-€1k€-7k€-16k▼ 134%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €469k
Fixed assets
€370k ▲ 9,877%
Current assets
€100k ▲ 925%
Key figures and ratios
EBITDA
€-3k▼
2024 · €-2k
Cash flow
€-6k▼
2024 · €-5k
Solvency
-0.8%▼
2024 · 93.4%
Current ratio
0.73▼
2024 · 10.94
Quick ratio
0.67▼
2024 · 10.94
ROA
-3.5%▲
2024 · -51.6%
Interest coverage
-0.87▼
2024 · -0.64
Debt
€473k▲
2024 · €888
Debt ≤ 1 year
€136k▲
2024 · €888
Debt > 1 year
€336k
Income taxes
€153▲
2024 · €141
A ratio outside any meaningful range has been withheld (balance sheet total €469k, equity €-4k).
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€13k€469k▲
Fixed assets21/28€4k€370k▲
Intangible fixed assets21-€12k
Tangible fixed assets22/27€4k€358k▲
Land and buildings22-€18k
Plant, machinery and equipment23€1k€35k▲
Furniture and vehicles24€3k€3k▲
Leasing and similar rights25-€302k
Current assets29/58€10k€100k▲
Stocks and contracts in progress3-€9k
Stocks30/36-€9k
Amounts receivable within one year40/41€4k€35k▲
Trade receivables40€0€10k▲
Other amounts receivable41€4k€25k▲
Cash at bank and in hand54/58€5k€54k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€13k€469k▲
Equity10/15€13k€-4k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-12k€-29k▼
Amounts payable17/49€888€473k▲
Amounts payable after more than one year17-€336k
Financial debts170/4-€186k
Other amounts payable178/9-€150k
Amounts payable within one year42/48€888€136k▲
Current portion of amounts payable after more than one year42-€31k
Trade debts44€674€20k▲
Suppliers440/4€674€20k▲
Taxes, remuneration and social security45€214€706▲
Taxes450/3€214€706▲
Other amounts payable47/48-€84k
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€10k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-54€-2k▼
Operating profit (loss)9901€-4k€-13k▼
Financial income75/76B€235€7▼
Recurring financial income75€235€7▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-7k€-16k▼
Income taxes67/77€141€153▲
Profit (loss) for the period9904€-7k€-16k▼
Profit (loss) for the period to be appropriated9905€-7k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-29k▼
Profit (loss) brought forward from the previous period14P€-6k€-12k▼
The notes to these accounts (13 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
22-09
State Gazette act
Registered officeName change · Registered-office move · Power of attorney4 facts ▸
State Gazette act
Registered office
Name change · Registered-office move · Power of attorney4 facts ▸
- Name change, Montour
- Registered-office move, Ten Houte 12, 8500 Kortrijk
- Board meeting, machtiging aan het bestuursorgaan om de genomen besluiten uit te voeren, algemene vergadering
- Power of attorney
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 15 days late
2024
30-09
Financial
Liquidity quadruplescurrent ratio 10.94
Current ratio from 2.76 to 10.94; short-term debt falls from €8k to €888.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kortrijk · 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.
Ten Houte(Kor) 128500 KortrijkGround area
1,959 m²
Building footprint
338 m²
Volume, LiDAR
1,345 m³
2 parcels, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Crodes
since 20212.312.320.939
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0875/00G002 | Flanders | 1,767 m² | 1 · 238 m² | 9.6 m · 2 fl. |
| 34354C0025/00E007 | Flanders | 191 m² | 1 · 101 m² | - |
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.
Articles of association
Other provisions of the articles (1)
- Name clause: Montour
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 4,537 EUR awarded · 2,590 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,323 EUR | 2,162 EUR |
| 2023 | 1 | 214 EUR | 428 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 5,137 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
Founded04-01-2021
Fiscal year end30-09
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:gauthier.desmet@gmail.com