Monument Climate Technics
ActiveMonument Climate Technics has been active since 1971 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €300k and a net result of €-230k. Equity is shrinking by ~12.9% per year across the filed fiscal years. Its solvency ranks better than 14% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▲+6
Solvency38▲+28
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days only on tighter terms
Liquidity tight (current ratio 1.1 against 1.11 in 2024; short-term debt: 84.6% and cash: 0.3% of total assets), and 87.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7760 sector peers (2025).
NBB · sector comparisonPosition among 7760 sector peers
Solvency
better than 14%
← 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 25-08-2026, 25 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
25 d late
2024
13 d early
2023
27 d late
2022
18 d early
2021
17 d early
2020
2 d late
2019
20 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€300k
2024 · €-469k
2018: €976k
2019: €1.00M
2021: €638k
2022: €814k
2023: €750k
2024: €-469k
2018 → 2025
Total assets
€2.33M▼ 23.7%
2024 · €3.05M
2018: €2.38M
2019: €2.86M
2021: €1.83M
2022: €2.06M
2023: €2.11M
2024: €3.05M
2018 → 2025
Net result
€-230k▲ 81.1%
2024 · €-1.22M
2018: €-45k
2019: €28k
2021: €28k
2022: €176k
2023: €-63k
2024: €-1.22M
2018 → 2025
Working capital
€188k▼ 29.7%
2024 · €268k
2018: €976k
2019: €930k
2021: €619k
2022: €800k
2023: €724k
2024: €268k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€638k-€814k▲ 27.6%€750k▼ 7.8%€-469k€300k
Operating result€43k-€190k▲ 339%€-48k€-1.17M▼ 2,320%€-164k▲ 86.0%
Net result€28k-€176k▲ 523%€-63k€-1.22M▼ 1,827%€-230k▲ 81.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €164k in 2025 against €1.17M in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.33M
Fixed assets
€170k▼ 32.2%
Current assets
€2.16M▼ 22.9%
Equity and liabilities €2.33M
Equity
€300k
Debt
€2.03M
Debt finances 87.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€-78k▲
2024 · €-1.09M
Cash flow
€-144k▲
2024 · €-1.14M
Solvency
12.9%▲
2024 · -15.4%
Current ratio
1.10▼
2024 · 1.11
Quick ratio
0.48▼
2024 · 0.60
Debt / equity
6.76▲
2024 · -7.51
ROE
-76.6%
ROA
-9.9%▲
2024 · -39.9%
Interest coverage
-1.18▲
2024 · -23.22
Debt
€2.03M▼
2024 · €3.52M
Debt ≤ 1 year
€1.97M▼
2024 · €2.54M
Debt > 1 year
€58k▼
2024 · €988k
Staff costs
€1.62M▼
2024 · €1.77M
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€3.05M€2.33M▼
Fixed assets21/28€250k€170k▼
Intangible fixed assets21€79k€46k▼
Tangible fixed assets22/27€171k€123k▼
Land and buildings22€5k€4k▼
Plant, machinery and equipment23€17k€23k▲
Furniture and vehicles24€64k€32k▼
Leasing and similar rights25€84k€64k▼
Financial fixed assets28€526€526=
Current assets29/58€2.80M€2.16M▼
Stocks and contracts in progress3€1.27M€1.21M▼
Stocks30/36€379k€374k▼
Contracts in progress37€896k€838k▼
Amounts receivable within one year40/41€1.32M€935k▼
Trade receivables40€1.20M€825k▼
Other amounts receivable41€126k€110k▼
Cash at bank and in hand54/58€190k€8k▼
Deferred charges and accrued income490/1€17k€7k▼
Equity and liabilities
Total equity and liabilities10/49€3.05M€2.33M▼
Equity10/15€-469k€300k▲
Contributions10/11€70k€1.07M▲
Reserves13€680k€680k=
Non-distributable reserves130/1€52k€52k=
Reserves not available under the articles1311€52k€52k=
Other1319€0-
Tax-exempt reserves132€54k€54k=
Distributable reserves133€574k€574k=
Profit (loss) carried forward14€-1.22M€-1.45M▼
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€3.52M€2.03M▼
Amounts payable after more than one year17€988k€58k▼
Financial debts170/4€988k€58k▼
Amounts payable within one year42/48€2.54M€1.97M▼
Current portion of amounts payable after more than one year42€55k€30k▼
Financial debts43€375k€600k▲
Credit institutions430/8€375k€600k▲
Trade debts44€1.93M€1.29M▼
Suppliers440/4€1.93M€1.29M▼
Taxes, remuneration and social security45€175k€49k▼
Taxes450/3€20k-
Remuneration and social security454/9€155k€49k▼
Other amounts payable47/48€5k-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€13k€2.40M▲
Remuneration, social security and pensions62€1.77M€1.62M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81k€86k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€348k€-342k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-48k-
Other operating charges640/8€12k€9k▼
Non-recurring operating charges66A-€286k
Gross operating margin9900€988k€1.50M▲
Operating profit (loss)9901€-1.17M€-164k▲
Financial income75/76B€126€651▲
Recurring financial income75€126€651▲
Financial charges65/66B€47k€67k▲
Recurring financial charges65€47k€67k▲
Profit (loss) for the period before taxes9903€-1.22M€-230k▲
Income taxes67/77€-8-
Profit (loss) for the period9904€-1.22M€-230k▲
Profit (loss) for the period to be appropriated9905€-1.22M€-230k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.22M€-1.45M▼
Profit (loss) brought forward from the previous period14P-€-1.22M
Transfer from equity791/2€0-
Social balance
Average headcount (FTE)908728.522.0▼
The notes to these accounts (19 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Equity above €200kEq €300k
Equity rises from €-469k to €300k.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-1.22M
Net result drops to €-1.22M, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €176k ▲523%
Operating result €190k, net result €176k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 2 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.00M ▲2.8%
Equity rises from €976k to €1.00M.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
23-01-2026
Julo Consult: Resigned as Director
05-11-2024
PROMATEC: Resigned as Director
01-06-2023
Sabine Vanvooren: Resigned as Director
Location & real-estate footprint
Registered office, Deinze · 1 establishment unit since 1971
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.
Souverainestraat 389800 DeinzeGround area
3,517 m²
Building footprint
200 m²
Volume, LiDAR
1,554 m³
Parcel 44054B0744/00D000, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Souverainestraat 38, 9800 Deinze
since 19712.006.209.626
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44054B0744/00D000 | Flanders | 3,517 m² | 1 · 200 m² | 9.3 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 500 EUR awarded · 500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Stagebonus (stopgezet)
Recognitions · licences · registrations
Recognised contractor
3 categoriesCELCIO BV08983
Dual-learning approval
2 endedSimilar companies · same sector, comparable size
Klimagic
BE 0756.500.327
Mortsel · Eq €301k
KOEN VAN OVERSTRAETEN
BE 0889.913.236
Brasschaat · Eq €301k
DE RIGO COOLING EQUIPMENT
BE 0739.785.544
Rotselaar · Eq €300k
MD Confort
BE 0673.954.713
Ans · Eq €300k
CHAUFFAGE DURIEUX
BE 0417.330.424
Mons · Eq €301k
Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,539 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-1971
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
46842Wholesale trade
51542
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.