Munt40
ActiveMunt40 has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €-25k. Equity is shrinking by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 14% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
15
/ 100
Critical▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency5▼-2
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.47 against 0.61 in 2024), and 93.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year -€25k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 31523 sector peers (2025).
NBB · sector comparisonPosition among 31523 sector peers
Solvency
better than 14%
← weakest
strongest →
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 08-05-2026, 84 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
84 d early
2024
69 d early
2023
47 d early
2022
54 d early
2021
40 d early
2020
53 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€138k▼ 15.4%
2024 · €163k
2020: €250k
2021: €240k
2022: €205k
2023: €182k
2024: €163k
2020 → 2025
Total assets
€2.00M▼ 5.1%
2024 · €2.10M
2020: €1.37M
2021: €1.34M
2022: €2.31M
2023: €2.20M
2024: €2.10M
2020 → 2025
Net result
€-25k▼ 34.1%
2024 · €-19k
2020: €-20k
2021: €-10k
2022: €-35k
2023: €-23k
2024: €-19k
2020 → 2025
Working capital
€-45k▼ 35.4%
2024 · €-33k
2020: €6k
2021: €28k
2022: €-25k
2023: €-31k
2024: €-33k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€240k-€205k▼ 14.5%€182k▼ 11.3%€163k▼ 10.3%€138k▼ 15.4%
Operating result€11k-€-651€23k€25k▲ 9.1%€19k▼ 22.5%
Net result€-10k-€-35k▼ 247%€-23k▲ 33.1%€-19k▲ 19.0%€-25k▼ 34.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.00M
Fixed assets
€1.96M▼ 4.8%
Current assets
€40k▼ 21.2%
Equity and liabilities €2.00M
Equity
€138k▼ 15.4%
Debt
€1.86M▼ 4.3%
The debt ratio rises from 92.3% to 93.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€117k▼
2024 · €123k
Cash flow
€72k▼
2024 · €79k
Solvency
6.9%▼
2024 · 7.7%
Current ratio
0.47▼
2024 · 0.61
Quick ratio
0.47▼
2024 · 0.61
Debt / equity
13.48▲
2024 · 11.91
ROE
-18.3%▼
2024 · -11.5%
ROA
-1.3%▼
2024 · -0.9%
Interest coverage
2.63▼
2024 · 2.80
Debt
€1.86M▼
2024 · €1.94M
Debt ≤ 1 year
€85k▲
2024 · €84k
Debt > 1 year
€1.77M▼
2024 · €1.86M
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€2.10M€2.00M▼
Fixed assets21/28€2.05M€1.96M▼
Tangible fixed assets22/27€2.05M€1.96M▼
Land and buildings22€2.05M€1.96M▼
Current assets29/58€51k€40k▼
Cash at bank and in hand54/58€49k€34k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€2.10M€2.00M▼
Equity10/15€163k€138k▼
Contributions10/11€270k€270k=
Profit (loss) carried forward14€-107k€-132k▼
Amounts payable17/49€1.94M€1.86M▼
Amounts payable after more than one year17€1.86M€1.77M▼
Financial debts170/4€1.86M€1.77M▼
Amounts payable within one year42/48€84k€85k▲
Current portion of amounts payable after more than one year42€82k€83k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Other amounts payable47/48€100€0▼
Accrued charges and deferred income492/3€660€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€98k=
Other operating charges640/8€9k€10k▲
Gross operating margin9900€132k€127k▼
Operating profit (loss)9901€25k€19k▼
Financial charges65/66B€44k€44k▲
Recurring financial charges65€44k€44k▲
Profit (loss) for the period before taxes9903€-19k€-25k▼
Profit (loss) for the period9904€-19k€-25k▼
Profit (loss) for the period to be appropriated9905€-19k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-107k€-132k▼
Profit (loss) brought forward from the previous period14P€-88k€-107k▼
The notes to these accounts (17 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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Leuven · 1 establishment unit since 2019
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.
Muntstraat 403000 LeuvenGround area
137 m²
Building footprint
52 m²
Volume, LiDAR
416 m³
Parcel 24502B1004/00M000, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Munt40
since 20192.295.900.225
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B1004/00M000 | Flanders | 137 m² | 1 · 52 m² | 12.0 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.
Similar companies · same sector, comparable size
Yeri Delta
BE 1006.931.957
Wijnegem · Eq €138k
HEBO
BE 1005.705.896
Antwerpen · Eq €138k
HOME MANAGEMENT
BE 0471.477.210
Anderlecht · Eq €138k
SCIMON
BE 0867.589.180
Liège · Eq €138k
Cherry Tree Lane Sustainability
BE 0799.368.783
Schaarbeek · Eq €138k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 40,731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.