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MONY

Active Public limited companyfounded 1945active for 81 yearsRue Saint-Jean 39A, 6666 HouffalizeKBO/BCE: BE 0400.571.002 #1 oldest company in Houffalize
MONY
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Overview

Lifetime

18 annual accounts with figures on one time axis, 46 filings since 1978
peak €674,647 (2022)
€628,508▼ 1.5%
lowest -€106,545 (2007)
-€21,296▼ €53,691
peak €5.2m (2024)
€5.1m▼ 1.7%
€926,904▼ 2.2%
peak 2.3 FTE (2025)
2.3 FTE▲ 15.0%
Board1 name since 2020
1 directorEric MAYER
Owners
30%ANDRIC
Documentsfilings and deeds
30-09-202661 days late
2025financial year
Loss of €21,296Staff from 2 FTE to 2.3 FTECash from €258,812 to €482,834

Key points

from the 2025 annual accounts

Result

-€21,296 -€21,296
€32,4002024-€21,3002025

From profit to loss in 2025, after a profit of €32,395 in 2024.

Staff

3 employees on 31-12-2025
102023102025

In 2025, 1 person joined and nobody left.

Filings

46 annual accounts 48 filings, 61 days
AprilJune31 JulyOctober1980199520102025

Latest accounts filed late: after the legal deadline.

Checked score

96
Excellent
Financially stronger than 64% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.2%▲ +0.1 percentage points vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.1%▼ -0.1 percentage points vs 05-2026 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026 08-2026: 0.3%▲ +0.1 percentage points vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026highest value 10-2026: 0.1%▼ -0.2 percentage points vs 09-2026 11-2026: 0.1%● unchanged vs 10-2026

Financial strength
Strong

100=equity 79.7% of total assets
59+4short-term debt 3.7% · cash 7.6%
68-1return on assets -0.3%

Score breakdown

raises risk
Last filed accounts filed 61 days late; 3 of the last 3 accounts late
lowers risk
Size: 2.3 FTE, total assets €6.4m
Founded in 1945
Equity €5.1m (79.7% of total assets)
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 91% of them on solvency, 71% on liquidity, 55% on profitability and 40% on growth.

The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 12,322 companies had the same profile as MONY has now. Each dot stands for 31 companies, two years later.

90.3%
were still trading
8.5%
stopped another way
0.7%
went bankrupt
  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss

Another 0.5% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of MONY itself: 0.1% within 12 months.

Test of the method

The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 12,322 companies, not a prediction for MONY. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €480,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 8.55 (14.96 in 2024), above the usual 1.5. Short-term debt is 3.7% and cash 7.6% of total assets. 20.3% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 61 days late; 3 of the last 3 accounts late
NBB · filings
lowers risk · Size: 2.3 FTE, total assets €6.4m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Founded in 1945
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Equity €5.1m (79.7% of total assets)
NBB · annual accounts
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
61 days late
2024
71 days late
2023
68 days late
2022
92 days late
2021
31 days late
2020
41 days late
2020
18 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 55 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 October (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

EM
Eric MAYER
Director, since 22-07-2020
  • ANDRIC 30%score 86equity €1.6m (2025) · annual accounts 2025

Shares in 1 company, DUFRESNOY

Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0400571002
Merger: MONY takes over DUFRESNOY Appointment: Eric MAYER (sole director) · The company holds all the shares of DUFRESNOY · Eric MAYER holds 183 shares · General meeting of 22-07-2020 · Gazette deed
Merger proposal: MONY takes over DUFRESNOY Legal-form conversion: from partnership limited by shares to public limited company · The company holds all the shares of DUFRESNOY · Gazette deed
First establishment Rue Saint-Jean 39A, Houffalize
All 65 events

Comparable companies

same main activity, similar in size and age
Company
MONY Houffalize €6.4m €0.6m 79.7% 2.3
Van Houcke - Heylen Antwerp €4.8m €0.5m 45.9% 2
L'HERITAGE Lasne €5.4m €0.5m 89.8% 3.6
BINWEY Jette €11.0m €0.8m 78.3% 3
SGAF Beheer Brussels €11.0m €0.6m 19.1% 1.9
Société anonyme BRUXELLOISE DES HABITATIONS Brussels €6.0m €1.3m 79.1% 2.9
IMMO - 47 Lokeren €8.8m €0.4m 40.7% 2

These companies have the same main activity as MONY: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €4.8m and €11m, founded between 1932 and 1978.

Official details

Source: KBO
Status
Active since 16-10-1945Normal situation
Activity
Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
Joint committee
323Building management, estate agents and domestic staff · annual accounts 2025
Establishment unit
2.004.234.5866666 Houffalize, since 01-09-1994
Financial year end
31 December
Peppol
Reachable since 06-11-2025
Company details

Annual accounts 2025

€628,508▼ 1.5%
≈ €710,000estimated
€21,296
€5.1m▼ 1.7%
€6.4m▼ 1.8%
Employeeson 31-12-2025
3▲ 50.0%
Filing
Filed on 30-09-2026
Financials

Insights on MONY

The gross margin has fallen every year since 2022.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

full format, filed on 30-09-2026, 61 days late
€628,508
▼ 1.5%
€9,732
▼ 80.0%
€504,262
▼ 4.6%
€473,234
▼ 7.6%
79.7%
▲ 0.1 percentage points
8.55
▼ 6.41

The turnover shown is an estimate from the gross margin.

Turnover ≈ €710,000. Estimated: probably between €630,000 and €780,000.

In the rankings #1 oldest company in Houffalize#5 company by equity in Houffalize#9 company by total assets in Houffalize

Money flows

no detail for 2025

Balance sheet

balance sheet total €6.4m on 31-12-2025
What the company ownsHow it is paid for

in €m

in euro

Position in the sector

Compare with sector

79.7%

Higher than 80% of 5,812 companies in 2025.

8.55

Higher than 86% of 5,563 companies in 2025.

-0.3%

Higher than 35% of 5,786 companies in 2025.

MONY Middle half of the sector 80% of the sector Full accounts in real estate (NACE 68)

Net result: middle half · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter · Staff: middle half

Staff

€25,737

Staff costs divided by the average number of full-time equivalents.

+1 person

people who joined people who left

In 2025, 1 person joined and nobody left.

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020201920182016201520142013201220112010200920082007
Balance sheet: assets
20/58 6.4m6.5m7.0m7.2m7.2m7.4m5.0m5.0m5.0m5.0m5.0m5.0m5.0m1.1m1.1m1.0m1.0m1.1m
20 3,6763,6763,6763,6763,6763,676------------
21/28 4.4m4.4m4.8m4.7m5.0m5.3m3.8m3.8m3.8m3.8m3.8m3.8m3.8m-6906901,1261,262
21 588,894736,118883,3411.0m1.2m1.3m------------
22/27 3.8m3.7m3.9m3.6m3.8m4.0m----------136272
22 2.3m2.4m2.7m2.7m2.8m2.9m------------
23 1.4m1.3m1.2m973,5161.0m1.1m------------
24 55,8327,1159,73412,97411,40418,243----------136272
28 4,7044,7044,7044,7044,7044,7043.8m3.8m3.8m3.8m3.8m3.8m3.8m-690690990990
29/58 2.0m2.1m2.2m2.5m2.2m2.0m1.2m1.2m1.2m1.2m1.2m1.1m1.1m1.1m1.1m1.0m1.0m1.1m
29 1.2m1.4m1.3m542,577415,733487,579880,286596,202761,401553,199687,571834,039977,456861,153973,178955,946937,574-
291 1.2m1.4m1.3m542,577415,733487,579880,286596,202761,401553,199687,571834,039977,456861,153973,178955,946937,574-
3 ---1.2m1.2m1.2m------------
30/36 ---1.2m1.2m1.2m------------
40/41 54,290153,829148,97881,86680,38346,183225,688473,429373,224638,063461,146133,328100,5164,69139,5559,43448,14738,402
40 9,48218,87540,00722,38720,9156,22212,7088183,4214,0271,6693,9732,4072,7381,9622,5284,1767,885
41 44,808134,954108,97159,47859,46839,961212,980472,611369,803634,036459,477129,35598,1091,95337,5936,90643,97130,517
50/53 304,231301,337-------9861,855128,810-----990,118
54/58 482,834258,812763,939621,412481,766289,55587,154105,11326,5761,0813,76241,69163,153221,40945,88778,79130,92630,359
490/1 11,57513,3319,8019,6326,5078,8002462502502713342024484911401404,85711,322
Balance sheet: equity and liabilities
10/49 6.4m6.5m7.0m7.2m7.2m7.4m5.0m5.0m5.0m5.0m5.0m5.0m5.0m1.1m1.1m1.0m1.0m1.1m
10/15 5.1m5.2m5.1m5.1m5.0m5.0m5.0m5.0m5.0m4.9m4.0m5.0m4.9m1.1m1.1m1.0m1.0m1.0m
10/11 3.2m3.2m3.2m3.2m3.2m3.2m4.8m4.8m4.8m4.8m3.9m3.9m3.9m62,00062,00062,00062,00062,000
10 3.2m3.2m3.2m3.2m3.2m-------------
100 3.2m3.2m3.2m3.2m3.2m3.2m4.8m4.8m4.8m4.8m3.9m3.9m3.9m62,00062,00062,00062,00062,000
13 1.7m1.8m1.8m1.9m1.9m1.8m205,197186,103163,996116,60480,5201.1m1.0m1.0m996,138963,310940,5261.1m
130/1 176,486176,486176,486176,486176,486174,336------------
130 176,486176,486176,486176,486176,486174,33648,11848,11848,11848,11838,8629,1377,3906,2006,2006,2006,2006,200
132 184,413278,678293,538308,398323,258338,118------------
133 1.4m1.4m1.4m1.4m1.4m1.3m157,079137,985115,87868,48641,6581.1m1.0m1.0m989,938957,110934,3261.0m
14 190,440182,657135,40287,876--------------106,545
16 372,837381,326449,035514,109574,635605,238---------19,00019,00017,500
160/5 311,366381,326449,035514,109574,635605,238---------19,00019,00017,500
164/5 311,366381,326449,035514,109574,635605,238------------
168 61,471-----------------
17/49 926,904947,8271.4m1.5m1.6m1.7m5271,2419,80589,3461.0m5,16543,60113,5731,3126911,10444,330
17 677,815796,998959,0301.1m1.2m1.3m------------
170/4 621,533744,916866,438986,0871.1m1.2m------------
178/9 56,28252,08292,59279,84557,03041,621------------
42/48 237,952140,086417,360459,132384,163476,4315271,2419,80589,3461.0m5,16543,59613,5731,2556911,10341,418
42 123,383121,522119,649136,978116,110134,294------------
44 23,59514,92024,84043,72427,71753,4525271,2412,22843723619,5113,413755191463407
440/4 23,59514,92024,84043,72427,71753,4525271,2412,22843723619,5113,413755191463407
45 35,6463,64436,87242,4304,33635,920-----3103411,44050050064041,011
450/3 4,635-33,93440,1822,18733,816-----3103411,44050050064041,011
454/9 31,0113,6442,9382,2482,1492,104------------
47/48 55,328-236,000236,000236,000252,765--7,57789,3031.0m4,79433,7448,720----
492/3 11,13710,7432,8501,1175,6428,904------5-57-12,912
Income statement
70 ---------4,0281,6691,6213,1032,7381,9622,5284,4037,885
76A -17,636---10,913---1,404--1,079--6411129,400
9900 628,508637,770671,784674,647654,749609,286-4,109-5,346-7,343-9,022-4,871-5,078-21,398-25,795-24,050-22,951-30,704-88,291
60/61 ----------13,0506,5406,69924,50128,53326,01225,47935,10796,176
62 59,19653,63042,53130,67330,69951,846------------
630 494,530479,861469,104448,785465,562481,494---------1361363,486
635/8 ---------------19,000-1,50017,500
640/8 64,01655,67784,16053,10470,21558,2666504657271,7251,4418931,8896797857362,6132,532
66A 1,034------------877,767--3,714
9901 9,73248,60275,989142,08588,27317,680-4,759-5,811-8,070-10,747-6,312-5,971-23,287-26,474-5,835-23,823-34,953-111,809
75/76B 25,38522,0407,4767,3368,64310,00123,93027,98029,97245,80744,67142,30647,73242,67546,50246,04627,83236,553
75 25,38522,0407,4767,3368,64310,00123,93027,98029,97245,80744,67142,30647,73242,67546,50246,04627,83236,553
65/66B 14,25215,81118,77319,49251,02356,0377762791582441,4021,72381728098378
65 14,25215,81118,77319,49247,71556,0377762791582441,4021,72381728098378
66B ----3,308-------------
9903 20,86554,83164,692129,92845,893-28,35619,09422,10721,82336,30638,11534,93323,80116,03332,82822,784-7,107-69,948
780 3,715-----------------
67/77 45,87622,43632,02656,91317,763238--1222-------36,597
9904 -21,29632,39532,66673,01628,130-28,59419,09422,10721,82236,08438,11534,93323,80116,03332,82822,784-7,107-106,545
789 29,07914,86014,86014,86014,86014,860------------
9905 7,78347,25547,52687,87642,990-13,73419,09422,10721,82236,08438,11534,93323,80116,03332,82822,784-7,107-106,545
Appropriation of the result
9906 190,440182,657135,40287,87642,990-13,73419,09422,10721,82236,08438,11534,93323,80116,03332,82822,784-113,652-106,545
14P 182,657135,40287,876---------------
791/2 -----13,734----1.0m-----113,652-
691/2 ----42,990-19,09422,10721,82236,08438,11534,93323,80116,03332,82822,784--
6920 ----2,150----9,25729,7251,7471,190-----
6921 ----40,840-19,09422,10721,82226,8278,39033,18622,61116,03332,82822,784--
694/7 ----------1.0m-------
694 ----------1.0m-------
Social balance sheet
9087 2.321.4111------------
Hours worked1013 1,9011,7601,6941,6641,7182,678------------
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 28 older financial years (1978-2006) were filed as documents without figures as data, scans for example.

The notes to these accounts have 13 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 30-09-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00546929.

Financial year Type Filed Reference Document
31-12-2025 full format 30-09-2026 2026-00546929 PDF
31-12-2024 full format 10-10-2025 2025-00539811 PDF
31-12-2023 full format 07-10-2024 2024-00497327 PDF
31-12-2022 full format 31-10-2023 2023-00500511 PDF
31-12-2021 micro format 31-08-2022 2022-20372623 PDF
31-12-2020 full format 10-09-2021 2021-66900182 PDF
01-01-2020 full format 19-08-2020 2020-42900391 PDF
01-01-2019 full format 16-08-2019 2019-47200103 PDF
01-01-2018 full format 20-08-2018 2018-47800246 PDF
31-12-2016 micro format 27-09-2017 2017-63300135 PDF
01-01-2016 full format 19-08-2016 2016-45000454 PDF
01-01-2015 full format 29-08-2015 2015-53900292 PDF
01-01-2014 full format 10-08-2014 2014-41600318 PDF
01-01-2013 full format 07-08-2013 2013-40800172 PDF
01-01-2012 full format 16-08-2012 2012-42100429 PDF
01-01-2011 full format 29-07-2011 2011-37500243 PDF
01-01-2010 full format 13-08-2010 2010-42000004 PDF
01-01-2009 full format 05-08-2009 2009-55600161 PDF
01-01-2008 full format 16-08-2008 2008-57500313 PDF
01-01-2007 full format 27-07-2007 2007-51400259 PDF
01-01-2006 full format 27-07-2006 2006-56100663 PDF
01-01-2005 full format 30-06-2005 2005-36104475 PDF
01-01-2004 full format 14-06-2004 2004-23802230 PDF
01-01-2003 full format 07-07-2003 2003-40204896 PDF
01-01-2002 full format 26-07-2002 2002-42305214 PDF
01-01-2001 full format 05-07-2001 2001-33803776 PDF
01-01-2000 full format 19-06-2000 2000-23505134 PDF
01-01-1999 full format 29-06-1999 1999-25602887 PDF
01-01-1998 full format 11-06-1998 1998-16100001 PDF
01-01-1997 full format 15-07-1997 1997-30501183 PDF
01-01-1996 full format 19-06-1996 1996-18104652 PDF
01-01-1995 full format 14-06-1995 1995-23904462 PDF
01-01-1994 full format 13-06-1994 1994-14303798 PDF
01-01-1993 full format 30-06-1993 1993-20804562 PDF
01-01-1992 full format 07-09-1992 1992-30901955 PDF
01-01-1991 full format 25-06-1991 1991-12303077 PDF
31-12-1989 full format 08-06-1990 1990-07500972 PDF
31-12-1988 full format 05-06-1989 1989-06500511 PDF
31-12-1987 full format 03-06-1988 1988-06101200 PDF
31-08-1986 full format 12-03-1987 1987-03101632 PDF
31-08-1985 full format 18-03-1986 1986-03100113 PDF
31-08-1984 unclassified schema 05-02-1985 1985-00502070 PDF
31-08-1983 unclassified schema 01-02-1984 1984-00500976 PDF
31-08-1982 unclassified schema 31-12-1982 1982-14200084 PDF
31-08-1981 unclassified schema 05-03-1982 1982-00801525 PDF
31-08-1980 unclassified schema 16-01-1981 1981-00202083 PDF
31-08-1979 unclassified schema 19-12-1979 1979-12501363 PDF
31-08-1978 unclassified schema 20-12-1978 1978-09000979 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020201920182016201520142013201220112010200920082007
504,262528,463545,093590,870553,835499,174----------23,687-34,817-108,323
473,234512,256501,770521,801493,692452,900---------22,920-6,971-103,059
440,443296,984577,215158,870114,5879.7m------3.8m---3000-
224,022-505,127142,527139,646192,211202,401-17,959-25,495-2,681-37,929-21,462-158,256175,522-32,90447,865567-
1.8m2.0m1.8m2.0m1.8m1.6m1.2m1.2m1.2m1.1m142,5201.1m1.1m1.1m1.1m1.0m1.0m1.0m
79.7%79.6%73.8%71.5%70.3%68.1%100.0%100.0%99.8%98.2%79.7%99.9%99.1%98.8%99.9%98.1%98.0%94.2%
8.5514.965.235.385.704.28---13.361.14-26.1980.14---25.84
8.5514.965.232.732.561.75---13.361.14-26.1980.14---25.84
0.180.180.270.300.310.350.000.000.000.020.260.000.010.010.000.000.000.04
-0.4%0.6%0.6%1.4%0.6%-0.6%0.4%0.4%0.4%0.7%1.0%0.7%0.5%1.5%3.1%2.2%-0.7%-10.6%
-0.3%0.5%0.5%1.0%0.4%-0.4%0.4%0.4%0.4%0.7%0.8%0.7%0.5%1.5%3.1%2.2%-0.7%-9.9%
35.3833.4229.0430.3111.61-------------
---------365 days365 days895 days283 days365 days365 days365 days346 days365 days
----------40 days3 days142 days44 days11 days3 days5 days2 days

EBIT margin: not included in this filing.

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202531-12-202431-12-202331-12-202231-12-2021
Employees at the balance-sheet date32211
full-time11111
part-time211--
in full-time equivalents2.32211
221.411
On a permanent contract32211
Joined1-1--
Left0-0--

Source: social balance sheet in the 2021 to 2025 annual accounts

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€440,443€296,984€577,215€158,870€114,587
€494,530€479,861€469,104€448,785€465,562

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on MONY

The operating result for 2025 is 80% lower than in 2024 and the lowest since 2019. It is the third fall in a row.

Debt's share of the balance-sheet total falls from 14.6% to 14.5%. Equity and debt are lower.

Board & ownership

Board

1 director, last change in 2020
Eric MAYER
Sole director
since 22-07-2020 term for the life of the company
listed in the 2025 annual accounts, filed on 30-09-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
The sole director
deed of 21-08-2020

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Eric MAYER
Sole director
Board
Mandates as a list
  • Eric MAYER
    • Sole director, from 22-07-2020 to date

See the board, name and registered office on a given date →

Control

Shareholder
ANDRIC
Equity €1.6m
Profit €60,807 in 2025 (profit €83,990 in 2024)
Checked score 86
Source: own accounts 2025
30%
This company
MONY
Equity €5.1m
Loss €21,296 in 2025

Capital

Capital
€3,164,460
Shares
1,773
Contribution per share
€1,785
Equity per share
€2,871 in 2025
Source
2025 annual accounts

Owners through the years

as the annual accounts name them
ANDRIC
30%
30%
Owners as a list

Source: shareholder structure in its own accounts

Articles of association

deed of 21-08-2020 (in French)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
“Actions A perdent automatiquement droits et statuts adaptés pour supprimer références, de plein droit dès que Monsieur Eric Mayer ou société…”
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June at 15:00

Capital transactions

Shareholders according to the deeds
Stated in the deed deed of 21-08-2020 ↗
  • Eric MAYER 183 shares
  • André Mardulyn
  • Tan Hoang NGUYEN 353 shares
  • Thien Huong NGUYEN 177 shares
  • Valérie MARDULYN 530 shares
  • Sophie MARDULYN 530 shares
Capital over time
  1. 21-08-2020 Capital stated in the deed · €4,811,818 · 1,773 shares

Network & group

Holdings and subsidiaries

1 holding

Holdings 1

Holdings through the years 2012 to 2020
Holdings through the years
Name20122013201420152016201820192020
DUFRESNOY 100%

Source: list of holdings in its own accounts

Acquisitions and mergers

1 transaction
Took over:DUFRESNOY
merger by absorption · Gazette deed of 21-08-2020

Connections & network

1 current director
Depth

The network starts from the directors of MONY. Every other company they run is a node.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

65 events since 1945

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBfull format · 61 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0400571002
Annual accounts 2024 filed PDFfull format · 71 days late
2024
Liquidity more than doubled current ratio 14.96 The current ratio rises from 5.23 to 14.96. Short-term debt falls from €417,360 to €140,086.
Annual accounts 2023 filed PDFfull format · 68 days late
2023
Annual accounts 2022 filed PDFfull format · 92 days late
2022
Highest result from 2007 to 2025 net €73,016 ▲160% The operating result of €142,085 and the net result of €73,016 are both a record.
Annual accounts 2021 filed PDFmicro format · 31 days late
2021
Back to profit net €28,130 The net result is €28,130, after one loss-making year.
Annual accounts 2020 filed PDFfull format · 41 days late
2020
Merger: MONY takes over DUFRESNOYAppointment: Eric MAYER (sole director) · The company holds all the shares of DUFRESNOY · Eric MAYER holds 183 shares · General meeting of 22-07-202014 points ▸
  • General meeting, 22-07-2020
  • Accounting effect, 01-01-2020
  • The company holds all the shares of DUFRESNOY
  • Dissolution, 22-07-2020
  • Eric MAYER holds 183 shares
  • André Mardulyn is a shareholder
  • Tan Hoang NGUYEN holds 353 shares
  • Thien Huong NGUYEN holds 177 shares
  • Legal-form conversion, to public limited company
  • Capital, €4,811,818, 1,773 shares
  • Director appointment, Eric MAYER (sole director), mentioned twice in the deed
  • Power of attorney, André Mardulyn
  • Valérie MARDULYN holds 530 shares
  • Sophie MARDULYN holds 530 shares
  • The deed holds 18 more points.

Open the deed in the Belgian Official Gazette

Annual accounts 2020 filed PDFfull format · 18 days late
Merger proposal: MONY takes over DUFRESNOYLegal-form conversion: from partnership limited by shares to public limited company · The company holds all the shares of DUFRESNOY5 points ▸
  • Legal-form conversion, from partnership limited by shares to public limited company
  • Incorporation, 16-10-1945
  • Incorporation, 21-08-1975
  • The company holds all the shares of DUFRESNOY
  • Accounting effect, 01-01-2020
  • The deed holds 4 more points.

Open the deed in the Belgian Official Gazette

2019
Annual accounts 2019 filed PDFfull format · 15 days late
Liquidity more than doubled current ratio 2264.47 The current ratio rises from 946.81 to 2264.47. Short-term debt falls from €1,241 to €527.
Equity above €5m equity €5.0m ▲0.4% After 10 profitable years in a row, equity reaches €5.0m.
2018
Annual accounts 2018 filed PDFfull format · 19 days late
Liquidity more than 7 times current ratio 946.81 The current ratio rises from 118.45 to 946.81. Short-term debt falls from €9,805 to €1,241.
2017
Annual accounts 2016 filed PDFmicro format · 58 days late
2016
Liquidity more than 8 times current ratio 118.45 The current ratio rises from 13.36 to 118.45. Short-term debt falls from €89,346 to €9,805.
Annual accounts 2016 filed PDFfull format · 18 days late
2015
Annual accounts 2015 filed PDFfull format · 28 days late
Liquidity more than 11 times current ratio 13.36 The current ratio rises from 1.14 to 13.36. Short-term debt falls from €1.0m to €89,346.
2014
Annual accounts 2014 filed PDFfull format · 9 days late
2013
Annual accounts 2013 filed PDFfull format · 6 days late
Liquidity more than 8 times current ratio 220.34 The current ratio rises from 26.19 to 220.34. Short-term debt falls from €43,596 to €5,165.
2012
Annual accounts 2012 filed PDFfull format · 15 days late
Equity above €2m equity €4.9m ▲358% After 4 profitable years in a row, equity reaches €4.9m.
2011
Annual accounts 2011 filed PDFfull format · 3 days before the deadline
2010
Annual accounts 2010 filed PDFfull format · 12 days late
2009
Annual accounts 2009 filed PDFfull format · 4 days late
Back to profit net €22,784 The net result is €22,784, after 2 loss-making years.
2008
Annual accounts 2008 filed PDFfull format · 15 days late
Liquidity more than 35 times current ratio 926.11 The current ratio rises from 25.84 to 926.11. Short-term debt falls from €41,418 to €1,103.
2007
Annual accounts 2007 filed PDFfull format · 5 days before the deadline
2006
Annual accounts 2006 filed PDFfull format · 5 days before the deadline
2005
Annual accounts 2005 filed PDFfull format
2004
Annual accounts 2004 filed PDFfull format
2003
Annual accounts 2003 filed PDFfull format
2002
Annual accounts 2002 filed PDFfull format
2001
Annual accounts 2001 filed PDFfull format
2000
Annual accounts 2000 filed PDFfull format
1999
Annual accounts 1999 filed PDFfull format
1998
Annual accounts 1998 filed PDFfull format
1997
Annual accounts 1997 filed PDFfull format
1996
Annual accounts 1996 filed PDFfull format
1995
Annual accounts 1995 filed PDFfull format
1994
First establishment Rue Saint-Jean 39A, Houffalize
Annual accounts 1994 filed PDFfull format
1993
Annual accounts 1993 filed PDFfull format
1992
Annual accounts 1992 filed PDFfull format
1991
Annual accounts 1991 filed PDFfull format
1990
Annual accounts 1989 filed PDFfull format
1989
Annual accounts 1988 filed PDFfull format
1988
Annual accounts 1987 filed PDFfull format
1987
Annual accounts 1986 filed PDFfull format
1986
Annual accounts 1985 filed PDFfull format
1985
Annual accounts 1984 filed PDFunclassified schema
1984
Annual accounts 1983 filed PDFunclassified schema
1982
Annual accounts 1982 filed PDFunclassified schema
Annual accounts 1981 filed PDFunclassified schema
1981
Annual accounts 1980 filed PDFunclassified schema
1979
Annual accounts 1979 filed PDFunclassified schema
1978
Annual accounts 1978 filed PDFunclassified schema
1945
Incorporation KBO

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

MONY was incorporated on 16 October 1945.1 In 2020 the company absorbed DUFRESNOY by merger.2 Total assets fell from €7.4m in 2020 to €6.4m in 2025 and headcount from 1 to 2.3 full-time equivalents.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 21-08-2020
  3. 3National Bank, annual accounts 2020 and 2025

Company details

Identity

Enterprise number
0400.571.002
VAT number
BE 0400.571.002
Peppol ID
0208:0400571002
Legal form
Public limited company
Status
Active, normal situation
Founded
16-10-1945
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June at 15:00
deed of 21-08-2020 (in French)
Peppol
Reachable since 06-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
MONY in French
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 21-08-2020 (in French)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région Wallonne”
deed of 21-08-2020 (in French)

Activities

NACEBEL 2025
68201 Renting and operating of own or leased residential real estate, excluding social housing main activity
Joint committees annual accounts 2025
JC 323 Building management, estate agents and domestic staff
Codes under NACEBEL 2008
68201 Real estate activities main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“La société a pour objet,tant en Belgique qu'à l'étranger,l'acquisition,la détention,le transfert,la cession,la négociation,le…”
7 activities
  1. La société a pour objet,tant en Belgique qu'à l'étranger,l'acquisition,la détention,le transfert,la cession,la négociation,le prêt,l'emprunt,l'échange et plus généralement toutes opérations,pour compte propre,sur tous biens mobiliers et immobiliers et plus généralement toutes opérations,pour compte propre,sur toutes types d'instruments financiers(notamment,sans que cette énumération soit limitative,des actions,des obligations,des options,des futures ou contrats à terme,des droits de souscription et tous autres produits dérivés)ainsi que sur tous types d'indices boursiers,de taux,de devises ou de matières premières.
  2. La société a également pour objet l'investissement,tant en Belgique qu'à l'étranger,pour compte propre ou pour compte de tiers,dans des sociétés cotées ou non cotées ou dans d'autres entités,en vue de réaliser des profits,ainsi que la gestion de ses participations dans de telles sociétés ou entités,en ce compris en procédant à la nomination de représentants de la Société au sein des organes de ces sociétés,d'accomplir toute opération financière ou de gestion de portefeuille,à l'exception des opérations réglementées par la loi;à cet effet,la société peut constituer des sociétés ou entités juridiques,acquérir des participations dans ces dernières,et mener toutes opérations de financement,de payement,de prêt,de constitution de sûretés ou de dépôt,mener toutes études
  3. Et fournir une assistance technique,juridique,comptable,financière,commerciale,administrative ou de management,au nom et pour le compte de sociétés ou entités dans lesquelles elle détient,directement ou indirectement,des participations;La Société peut aussi s'intéresser,par voie d'apport ou de fusion,dans toutes sociétés ou entités déjà constituées ou à constituer ayant un objet identique,lié ou connexe à son propre objet social ou qui seraient de nature à favoriser de quelque manière que ce soit la poursuite de son objet social.
  4. La société peut pourvoir à l'administration,à la supervision et au contrôle de toutes sociétés liées ou avec lesquelles il existe un lien de participation et toutes autres,et consentir tous prêts ou garanties à celles-ci,sous quelque forme et pour quelque durée que ce soit.Elle peut fonctionner comme administrateur,gérant ou liquidateur d'une autre société.
  5. Elle peut également effectuer pour compte propre ou pour compte de tiers la gestion de patrimoines immobiliers ainsi que l'acquisition par l'achat ou autrement,la vente,l'échange,l'amélioration,l'équipement,l'aménagement,disposer,rendre productif,louer ou prendre en location,le leasing de tous biens immobiliers en général,à l'exclusion de celles faisant l'objet de dispositions légales qui en réglementent l'accès ou l'exercice.
  6. Elle peut aussi réaliser une activité immobilière d'achats et de ventes,le cas échéant en tant que marchand de biens moyennant les autorisations requises,et faire toutes opérations en relation avec cette activité et notamment du courtage,de la gestion ou de la location immobilière.La société pourra procéder pour compte de tiers à toutes opérations financières,telles qu'acquérir,par voie d'achat ou autrement,toutes valeurs mobilières ou immobilières,créances,parts d'associés et participations dans toutes entreprises financières,industrielles et commerciales,tous actes de gestion de portefeuille ou de capitaux,tous engagements à titre de caution,aval ou garanties généralement quelconques dès acquisition par la société des autorisations éventuellement nécessaires à ces opérations.
  7. La Société peut accomplir tous actes et opérations nécessaires,utiles ou se rapportant directement ou indirectement à la réalisation de son objet,ou qui sont de nature à rendre directement la réalisation de cet objet plus aisé ou de favoriser le développement de la Société.L'objet peut être modifié par les actionnaires conformément aux dispositions du Code des sociétés et des Associations.Au cas où la prestation de certains actes serait soumise à des conditions préalables d'accès à la profession,la société subordonnera son action,en ce qui concerne la prestation de ces actes,à la réalisation de ces conditions.
deed of 21-08-2020 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Rue Saint-Jean 39A registered office 6666 Houffalize 01-09-1994 2.004.234.586

Buildings and parcels at the address

Ground area
111 m²
Buildings
111 m²
Volume, LiDAR
731 m³
Tallest building
7.9 m
Buildings to scale, each on its own parcel
111 m², 7.9 m 111 m², 7.9 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
82035B5931/00H000111 m² 1 · 111 m² 7.9 m · 2

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