MONTY
ActiveSummary
The computed 12-month bankruptcy probability of MONTY is 2.3% (moderate). The 2025 annual accounts show negative equity (€-8k) and a net result of €-34k. Equity is shrinking by ~25% per year across the filed fiscal years. Its solvency ranks better than 22% of 13417 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-71
Solvency17▼-30
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.59 against 1.13 in 2024; short-term debt: 106.9% and cash: 0.4% of total assets), and equity is negative.
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
-8%
Return on assets
-36%
Age of the figures
9 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-8k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
31 d late
2023
30 d late
2022
32 d late
2021
246 d late
2020
91 d late
2019
117 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-8k
2024 · €26k
2018: €59khighest in 8 years
2019: €48k▼ -17.8% vs 2018
2020: €33k▼ -32.0% vs 2019
2021: €31k▼ -5.5% vs 2020
2022: €26k▼ -16.3% vs 2021
2023: €25k▼ -5.9% vs 2022
2024: €26k▲ +7.4% vs 2023
2025: €-8k▼ -129% vs 2024lowest in 8 years
2018 → 2025
Total assets
€94k▼ 20.6%
2024 · €119k
2018: €124k
2019: €115k▼ -7.2% vs 2018
2020: €128k▲ +11.4% vs 2019highest in 8 years
2021: €119k▼ -7.0% vs 2020
2022: €115k▼ -3.3% vs 2021
2023: €66k▼ -42.7% vs 2022lowest in 8 years
2024: €119k▲ +79.6% vs 2023
2025: €94k▼ -20.6% vs 2024
2018 → 2025
Net result
€-34k
2024 · €2k
2018: €-7k
2019: €-10k▼ -43.6% vs 2018
2020: €-15k▼ -47.6% vs 2019
2021: €-2k▲ +88.3% vs 2020
2022: €-5k▼ -180% vs 2021
2023: €-2k▲ +69.6% vs 2022
2024: €2k▲ +218% vs 2023highest in 8 years
2025: €-34k▼ -1965% vs 2024lowest in 8 years
2018 → 2025
Working capital
€-41k
2024 · €10k
2018: €75khighest in 8 years
2019: €57k▼ -23.9% vs 2018
2020: €20k▼ -64.4% vs 2019
2021: €18k▼ -12.2% vs 2020
2022: €12k▼ -34.2% vs 2021
2023: €-5k▼ -144% vs 2022
2024: €10k▲ +295% vs 2023
2025: €-41k▼ -511% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€26k▼ 16.3%€25k▼ 5.9%€26k▲ 7.4%€-8k
2021: €31khighest in 5 years
2022: €26k▼ -16.3% vs 2021
2023: €25k▼ -5.9% vs 2022
2024: €26k▲ +7.4% vs 2023
2025: €-8k▼ -129% vs 2024lowest in 5 years
Operating result€-952-€-5k▼ 431%€-852▲ 83.1%€2k€-33k
2021: €-952
2022: €-5k▼ -431% vs 2021
2023: €-852▲ +83.1% vs 2022
2024: €2k▲ +359% vs 2023highest in 5 years
2025: €-33k▼ -1619% vs 2024lowest in 5 years
Net result€-2k-€-5k▼ 180%€-2k▲ 69.6%€2k€-34k
2021: €-2k
2022: €-5k▼ -180% vs 2021
2023: €-2k▲ +69.6% vs 2022
2024: €2k▲ +218% vs 2023highest in 5 years
2025: €-34k▼ -1965% vs 2024lowest in 5 years
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 turns negative in 2025: a loss of €33k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€34k ▲ 2.4%
Current assets
€60k ▼ 29.8%
Key figures and ratios
EBITDA
€-32k▼
2024 · €3k
Cash flow
€-33k▼
2024 · €2k
Solvency
-8.0%▼
2024 · 22.2%
Current ratio
0.59▼
2024 · 1.13
Debt to equity
-13.48▼
2024 · 3.51
ROA
-36.0%▼
2024 · 1.5%
Interest coverage
-64.03▼
2024 · 6.45
Debt
€102k▲
2024 · €92k
Debt ≤ 1 year
€101k▲
2024 · €75k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€119k€94k▼
Fixed assets21/28€34k€34k▲
Tangible fixed assets22/27€4k€4k▲
Plant, machinery and equipment23€4k€4k▲
Financial fixed assets28€30k€30k=
Current assets29/58€85k€60k▼
Amounts receivable within one year40/41€69k€56k▼
Trade receivables40€1k-
Other amounts receivable41€68k€56k▼
Cash at bank and in hand54/58€13k€396▼
Deferred charges and accrued income490/1€3k€3k=
Equity and liabilities
Total equity and liabilities10/49€119k€94k▼
Equity10/15€26k€-8k▼
Contributions10/11€19k€19k=
Reserves13€42k€42k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€-34k€-68k▼
Amounts payable17/49€92k€102k▲
Amounts payable within one year42/48€75k€101k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€70k€99k▲
Accrued charges and deferred income492/3€17k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€298€1k▲
Other operating charges640/8€732€1k▲
Gross operating margin9900€3k€-31k▼
Operating profit (loss)9901€2k€-33k▼
Financial income75/76B-€108
Recurring financial income75-€108
Financial charges65/66B€388€504▲
Recurring financial charges65€388€504▲
Profit (loss) for the period before taxes9903€2k€-34k▼
Profit (loss) for the period9904€2k€-34k▼
Profit (loss) for the period to be appropriated9905€2k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-68k▼
Profit (loss) brought forward from the previous period14P€-36k€-34k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €91 | €245 | €245 | €298 | €1k | ▲ 304% |
| Other operating charges640/8 | €1k | €844 | €800 | €732 | €1k | ▲ 49.5% |
| Gross operating margin9900 | €267 | €-4k | €193 | €3k | €-31k | ▼ 1,064% |
| Operating profit (loss)9901 | €-952 | €-5k | €-852 | €2k | €-33k | ▼ 1,619% |
| Financial income75/76B | €1 | €0 | - | - | €108 | - |
| Recurring financial income75 | €1 | €0 | - | - | €108 | - |
| Financial charges65/66B | €865 | €33 | €693 | €388 | €504 | ▲ 29.9% |
| Recurring financial charges65 | €865 | €33 | €693 | €388 | €504 | ▲ 29.9% |
| Profit (loss) for the period before taxes9903 | €-2k | €-5k | €-2k | €2k | €-34k | ▼ 1,965% |
| Profit (loss) for the period9904 | €-2k | €-5k | €-2k | €2k | €-34k | ▼ 1,965% |
| Profit (loss) for the period to be appropriated9905 | €-2k | €-5k | €-2k | €2k | €-34k | ▼ 1,965% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €119k | €115k | €66k | €119k | €94k | ▼ 20.6% |
| Fixed assets21/28 | €31k | €30k | €30k | €34k | €34k | ▲ 2.4% |
| Tangible fixed assets22/27 | €644 | €399 | €154 | €4k | €4k | ▲ 21.9% |
| Plant, machinery and equipment23 | - | - | - | €4k | €4k | ▲ 21.9% |
| Furniture and vehicles24 | €644 | €399 | €154 | - | - | - |
| Financial fixed assets28 | €30k | €30k | €30k | €30k | €30k | = |
| Current assets29/58 | €89k | €85k | €36k | €85k | €60k | ▼ 29.8% |
| Amounts receivable after more than one year29 | €26k | €26k | - | - | - | - |
| Other amounts receivable291 | €26k | €26k | - | - | - | - |
| Amounts receivable within one year40/41 | €24k | €29k | €35k | €69k | €56k | ▼ 19.0% |
| Trade receivables40 | €283 | - | €2k | €1k | - | - |
| Other amounts receivable41 | €24k | €29k | €32k | €68k | €56k | ▼ 17.3% |
| Cash at bank and in hand54/58 | €38k | €30k | €831 | €13k | €396 | ▼ 96.9% |
| Deferred charges and accrued income490/1 | - | - | €393 | €3k | €3k | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €119k | €115k | €66k | €119k | €94k | ▼ 20.6% |
| Equity10/15 | €31k | €26k | €25k | €26k | €-8k | ▼ 129% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €42k | €42k | €42k | €42k | €42k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | - | - | - |
| Distributable reserves133 | €40k | €40k | €40k | €42k | €42k | = |
| Profit (loss) carried forward14 | €-29k | €-34k | €-36k | €-34k | €-68k | ▼ 99.2% |
| Amounts payable17/49 | €88k | €89k | €42k | €92k | €102k | ▲ 10.1% |
| Amounts payable after more than one year17 | €16k | €16k | - | - | - | - |
| Financial debts170/4 | €16k | €16k | - | - | - | - |
| Amounts payable within one year42/48 | €71k | €73k | €41k | €75k | €101k | ▲ 34.1% |
| Financial debts43 | €49k | €49k | - | - | - | - |
| Credit institutions430/8 | €49k | €49k | - | - | - | - |
| Other loans439 | €160 | €160 | - | - | - | - |
| Trade debts44 | €1k | €2k | €1k | €4k | €2k | ▼ 60.8% |
| Suppliers440/4 | €1k | €2k | €1k | €4k | €2k | ▼ 60.8% |
| Taxes, remuneration and social security45 | €7k | €7k | €892 | €1k | - | - |
| Taxes450/3 | - | - | €892 | €1k | - | - |
| Remuneration and social security454/9 | €7k | €7k | - | - | - | - |
| Other amounts payable47/48 | €14k | €16k | €39k | €70k | €99k | ▲ 42.3% |
| Accrued charges and deferred income492/3 | €1k | - | €552 | €17k | €1k | ▼ 94.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-2k | €-5k | €-2k | €2k | €-34k | ▼ 1,965% |
| + Depreciation and write-downs630 | €91 | €245 | €245 | €298 | €1k | ▲ 304% |
| Operating cash flow (approximation) | €-2k | €-5k | €-1k | €2k | €-33k | ▼ 1,645% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €-4k | €-2k | ▲ 46.6% |
| Change in cash | - | €-8k | €-29k | €12k | €-12k | ▼ 204% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 6 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
03-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 246 days late
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 91 days late
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 117 days late
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 50 days late
06-03
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 218 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Ranst · 1 establishment unit since 2013
Ground area
766 m²
Building footprint
165 m²
Volume, LiDAR
1,217 m³
2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Oudstrijdersstraat 138a, 2520 Ranst
since 20132.217.374.963
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11031C0415/00X004 | Flanders | 432 m² | 1 · 66 m² | 10.5 m · 3 fl. |
| 11031C0415/00Y004 | Flanders | 334 m² | 1 · 99 m² | 10.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 21,853 companies in sector 56112 we hold annual accounts for 9,776. 8,312 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
Founded13-02-2013
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Scores and ratios are computed by Checked and are not a credit decision.