MONTYSCO
ActiveMONTYSCO has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €234k and a net result of €-605. Equity remains stable across the filed fiscal years (±0.2% per year). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37=
Solvency86=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.26 against 2.26 in 2024; short-term debt: 38.8% and cash: 0.8% of total assets), and 38.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
29 d late
2023
27 d late
2022
25 d late
2021
23 d late
2020
31 d late
2019
47 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€234k▼ 0.3%
2024 · €235k
2018: €238k
2019: €236k
2020: €235k
2021: €233k
2022: €232k
2023: €236k
2024: €235k
2018 → 2025
Total assets
€383k▼ 0.3%
2024 · €384k
2018: €386k
2019: €385k
2020: €385k
2021: €382k
2022: €380k
2023: €385k
2024: €384k
2018 → 2025
Net result
€-605▲ 59.7%
2024 · €-2k
2018: €-8k
2019: €-2k
2020: €-1k
2021: €-2k
2022: €-2k
2023: €5k
2024: €-2k
2018 → 2025
Working capital
€187k▼ 0.3%
2024 · €188k
2018: €191k
2019: €189k
2020: €188k
2021: €186k
2022: €184k
2023: €189k
2024: €188k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€233k-€232k▼ 0.7%€236k▲ 2.1%€235k▼ 0.6%€234k▼ 0.3%
Operating result€-2k-€-2k▲ 6.4%€5k€-2k€-507▲ 66.3%
Net result€-2k-€-2k▲ 6.2%€5k€-2k€-605▲ 59.7%
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 stays negative: a loss of €507 in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €383k
Fixed assets
€47k=
Current assets
€335k▼ 0.3%
Equity and liabilities €383k
Equity
€234k▼ 0.3%
Debt
€148k▼ 0.3%
The debt ratio stays at 38.8%.
Key figures and ratios
Solvency
61.2%=
2024 · 61.2%
Current ratio
2.26=
2024 · 2.26
Quick ratio
2.26=
2024 · 2.26
Debt / equity
0.63▼
2024 · 0.63
ROE
-0.3%▲
2024 · -0.6%
ROA
-0.2%▲
2024 · -0.4%
Debt
€148k▼
2024 · €149k
Debt ≤ 1 year
€148k▼
2024 · €149k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€384k€383k▼
Fixed assets21/28€47k€47k=
Financial fixed assets28€47k€47k=
Current assets29/58€337k€335k▼
Amounts receivable within one year40/41€313k€313k=
Trade receivables40€52k€52k▲
Other amounts receivable41€261k€261k=
Cash at bank and in hand54/58€4k€3k▼
Deferred charges and accrued income490/1€19k€19k=
Equity and liabilities
Total equity and liabilities10/49€384k€383k▼
Equity10/15€235k€234k▼
Contributions10/11€185k€185k=
Capital10€185k€185k=
Issued capital100€185k€185k=
Reserves13€39k€39k=
Non-distributable reserves130/1€33k€33k=
Legal reserve130€33k€33k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€11k€11k▼
Amounts payable17/49€149k€148k▼
Amounts payable within one year42/48€149k€148k▼
Trade debts44€507-
Suppliers440/4€507-
Other amounts payable47/48€148k€148k=
Income statement
Code20242025
Other operating charges640/8€449€462▲
Gross operating margin9900€-1k€-45▲
Operating profit (loss)9901€-2k€-507▲
Financial charges65/66B-€99
Recurring financial charges65-€99
Profit (loss) for the period before taxes9903€-2k€-605▲
Profit (loss) for the period9904€-2k€-605▲
Profit (loss) for the period to be appropriated9905€-2k€-605▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€11k▼
Profit (loss) brought forward from the previous period14P€13k€11k▼
The notes to these accounts (1 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 5 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Alken · 2 establishment units since 1986
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.
Hameestraat 373570 AlkenGround area
1.0 ha
Building footprint
2,117 m²
Volume, LiDAR
10,615 m³
3 parcels, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Tongersesteenweg 227, 3800 Sint-Truiden
since 19862.028.694.820
MONTYSCO
since 19862.028.694.919
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009B0152/00G000 | Flanders | 6,672 m² | 1 · 1,538 m² | 6.9 m · 1 fl. |
| 73302F0769/00F000 | Flanders | 2,898 m² | 1 · 299 m² | 8.8 m · 2 fl. |
| 73302F0384/00G000indicative | Flanders | 692 m² | 1 · 280 m² | 12.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-01-1986
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.