MOUTARD
ActiveThe computed 12-month bankruptcy probability of MOUTARD is 4.3% (elevated). The 2025 annual accounts show equity of €45k and a net result of €79k. Equity is shrinking by ~2.9% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency97▲+23
Growth78=
Track record94
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity ample (current ratio 2.92 against 1.7 in 2024; short-term debt: 27.6% and cash: 25.9% of total assets), and 27.6% 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
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.4%
Return on assets
125.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
17 d early
2024
15 d early
2023
27 d early
2022
11 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k▼ 8.7%
2024 · €50k
2022: €41k
2023: €76k
2024: €50k
2022 → 2025
Total assets
€63k▼ 38.8%
2024 · €102k
2022: €52k
2023: €86k
2024: €102k
2022 → 2025
Net result
€79k▲ 81.9%
2024 · €43k
2022: €37k
2023: €35k
2024: €43k
2022 → 2025
Working capital
€33k▼ 9.3%
2024 · €37k
2022: €30k
2023: €69k
2024: €37k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€41k-€76k▲ 85.7%€50k▼ 35.1%€45k▼ 8.7%
Operating result€47k-€45k▼ 2.7%€56k▲ 24.4%€103k▲ 82.1%
Net result€37k-€35k▼ 5.0%€43k▲ 22.7%€79k▲ 81.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 82% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€12k▼ 6.7%
Current assets
€50k▼ 43.4%
Equity and liabilities €63k
Equity
€45k▼ 8.7%
Debt
€17k▼ 67.2%
The debt ratio falls from 51.5% to 27.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€109k▲
2024 · €61k
Cash flow
€85k▲
2024 · €48k
Solvency
72.4%▲
2024 · 48.5%
Current ratio
2.92▲
2024 · 1.70
Quick ratio
2.92▲
2024 · 1.70
Debt / equity
0.38▼
2024 · 1.06
ROE
173.7%▲
2024 · 87.2%
ROA
125.8%▲
2024 · 42.3%
Interest coverage
86.38▲
2024 · 62.92
Debt
€17k▼
2024 · €53k
Debt ≤ 1 year
€17k▼
2024 · €53k
Income taxes
€23k▲
2024 · €12k
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€102k€63k▼
Fixed assets21/28€13k€12k▼
Tangible fixed assets22/27€12k€11k▼
Furniture and vehicles24€10k€9k▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€1k€1k=
Current assets29/58€89k€50k▼
Amounts receivable within one year40/41€8k€2k▼
Trade receivables40€218€129▼
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58€52k€16k▼
Deferred charges and accrued income490/1€29k€32k▲
Equity and liabilities
Total equity and liabilities10/49€102k€63k▼
Equity10/15€50k€45k▼
Contributions10/11€4k€4k=
Profit (loss) carried forward14€46k€41k▼
Amounts payable17/49€53k€17k▼
Amounts payable within one year42/48€53k€17k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3-€3k
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€46k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€49€728▲
Gross operating margin9900€61k€110k▲
Operating profit (loss)9901€56k€103k▲
Financial income75/76B€0€12▲
Recurring financial income75€0€12▲
Financial charges65/66B€972€1k▲
Recurring financial charges65€972€1k▲
Profit (loss) for the period before taxes9903€55k€102k▲
Income taxes67/77€12k€23k▲
Profit (loss) for the period9904€43k€79k▲
Profit (loss) for the period to be appropriated9905€43k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€116k€124k▲
Profit (loss) brought forward from the previous period14P€72k€46k▼
Profit to be distributed694/7€70k€83k▲
Return on contributions (dividend)694€70k€83k▲
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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €79k ▲81.9%
Operating result €103k, net result €79k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €35k ▼5%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 7.85
Current ratio from 3.82 to 7.85; short-term debt falls from €11k to €10k.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ukkel · 1 establishment unit since 2022
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.
Hochelaan 191180 UkkelGround area
247 m²
Building footprint
49 m²
Volume, LiDAR
395 m³
Parcel 21612D0490/00N016, Brussels · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Moutard
since 20222.334.501.968
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0490/00N016 | Brussels | 247 m² | 1 · 49 m² | 10.6 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-08-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.