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Complete company report
Generated 12-08-2026
Active BE 0751.852.245Private limited company

R A MONTE

Steenweg op Mechelen 455 ·1950 Kraainem, Belgium· 6 yrs active
Sector: Algemene bouw van residentiële gebouwen (41001)
Conclusion Checked

The computed 12-month bankruptcy probability of R A MONTE is 2.8% (moderate). The 2023 annual accounts show equity of €21k and a net result of €16k. Equity is growing by ~138.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 3129 sector peers (fiscal year 2023). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €21k
Net result €16k
Better than sector 67%
Active 6 yrs
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health93Profitability100Solvency96Growth78Stability100
93 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93
Profitability 100
Solvency 96
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
2.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags 0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2023 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview3 NBB filings
Annual accounts filed on 10-09-2024 with the NBB · fiscal year 2023 · micro
€0€50k€100kRevenue 2021: €116k€116kOperating result 2021: €3k€3kNet result 2021: €4k€4kOperating result 2022: €167€167Net result 2022: €15€15Operating result 2023: €21k€21kNet result 2023: €16k€16k202120222023
RevenueOperating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~138.7%/year over 3 fiscal years, indicative, assuming unchanged policy.
€0€20k€40k2024: €29k (€27k - €31k)2025: €37k (€35k - €38k)2026: €44k (€43k - €46k)2021: €6k2022: €6k2023: €21k202120222023202420252026
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2023 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 52.6% 37.6%
better than 67% of 3129 sector peers
Net result €16k €9k
better than 60% of 3122 sector peers
Equity €21k €25k
better than 45% of 3134 sector peers
Gross operating margin €21k €27k
better than 44% of 3116 sector peers
Total assets €40k €80k
better than 28% of 3130 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€116k
- 21-23
Net profit
€16k
+102657.4% 21-23
Total assets
€40k
-19.9% 21-23
Equity
€21k
+277.1% 21-23
Working capital
€21k
+275.9% 21-23
Income taxes
€5k
+273.9% 21-23
Debt
€19k
-57.2% 21-23
Debt ≤ 1y
€19k
-57.2% 21-23
Current ratio
2.10
+86.9% 21-23
Quick ratio
2.10
+86.9% 21-23
Solvency
52.6%
+371.0% 21-23
Debt / equity
0.90
-88.7% 21-23
ROE
73.5%
+27150.9% 21-23
ROA
38.6%
+128239.0% 21-23
Net margin
3.5%
- 21-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA-
Net profit€16k
Cash flow-
Staff costs-
Income taxes€5k
Dividends-
Total assets€40k
Equity€21k
Debt€19k
of which ≤ 1y€19k
of which > 1y-
Working capital€21k
Employees (FTE)-
Ratios (computed)
2023
Current ratio2.10
Quick ratio2.10
Working capital ratio52.4%
Solvency52.6%
Debt / equity0.90
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA38.6%
ROE73.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€40k
Fixed assets 21/28€65
Financial fixed assets 28€65
Current assets 29/58€40k
Amounts receivable within one year 40/41€29k
Cash & bank 54/58€11k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€40k
Equity 10/15€21k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€20k
Amounts payable 17/49€19k
Amounts payable within one year 42/48€19k
Trade debts payable within one year 44€5k
Income statement
Gross operating margin 9900€21k
Operating result 9901€21k
Financial charges 65€175
Result before taxes 9903€21k
Income taxes 67/77€5k
Net result for the period 9904€16k
Result to be appropriated 9905€16k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Current directors & mandates
  • CLEMENTINO AMARAL Renato Emanuel
    Werkend vennoot
    State Gazette act 22087371 (20-07-2022)
    Current
    01-07-2022 → present
Former directors (2)
  • SOUSA MONTE Alvaro
    Werkend vennoot
    State Gazette act 22087371 (20-07-2022)
    Former
    - → 01-07-2022
  • SOUSA MONTE Roberto
    Werkend vennoot
    State Gazette act 22087371 (20-07-2022)
    Former
    - → 01-07-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Algemene bouw van residentiële gebouwen(41001)
Legal form Private limited company(610)
Incorporation06-08-2020
StatusActive
Postal code1950
Establishment units 1 location
R A MONTE
Steenweg op Mechelen 455, 1950 KraainemAlgemene bouw van residentiële gebouwen
since 20202.334.042.803
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
22002C0073/00N009 Flanders 1.1 ha 1 · 865 m² 42.8 m · 14 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 8 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
10-09-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
15-01-2024
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
22-11-2022
State Gazette act Capital & shares
25-10-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
20-07-2022
State Gazette act Director changes
04-07-2022
State Gazette act Capital & shares
03-06-2022
State Gazette act Capital & shares
17-05-2022
State Gazette act Registered-office change
Belgisch Staatsblad, acts 5 acts
Capital history · 3
22-11-2022
Capital change
04-07-2022
Capital change
03-06-2022
Capital change
Address history · 1
17-05-2022
Registered-office move
All acts · 5 updated 3 years ago
2022
22-11-2022 All shares are now held by a single shareholder Capital & shares
Technical details 
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      "not_yet_called_eur": null,
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      "merger_exchange_ratio": null,
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  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Kraainem",
    "is_associated": false
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  "act_meta": {
    "language": "nl",
    "pub_date": "2022-11-22",
    "filing_date": "2022-11-09",
    "act_kind_objet": "Onderwerp akte:"
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  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2022-11-02",
    "unanimous": null,
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  "bedrijfsrevisor": null,
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  "publication_proxy": {
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    "org_kbo": null,
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  "co_filed_documents": [],
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20-07-2022 1 director appointed, 2 resigning Director changes
  • CLEMENTINO AMARAL Renato Emanuel, Werkend vennoot
  • SOUSA MONTE Roberto, Werkend vennoot
  • SOUSA MONTE Alvaro, Werkend vennoot
Technical details 
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      "evidence_quote": "De benoeming van Mijnheer CLEMENTINO AMARAL Renato Emanuel als werkend vennoot die",
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        "name": "SOUSA MONTE Marcio Emanuel",
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      },
      "reason": null,
      "subkind": "regular",
      "via_org": null,
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      "compensated": null,
      "effective_date": "2022-07-01",
      "evidence_quote": "De heer SOUSA MONTE Marcio Emanuel is eigenaar van 4 aandelen van het aandelenkapitaal van RA",
      "decharge_status": null,
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    },
    {
      "kind": "substantive_delegation",
      "role": "werkend vennoot",
      "person": {
        "rrn": null,
        "name": "DA PAZ NOVAIS Wesley",
        "address": null,
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        "birth_place": null
      },
      "reason": null,
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      "via_org": null,
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      "effective_date": "2022-07-01",
      "evidence_quote": "De heer DA PAZ NOVAIS Wesley is eigenaar van 6 aandelen van het aandelenkapitaal van R A MONTE",
      "decharge_status": null,
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      "effective_date": "2022-07-01",
      "evidence_quote": "De heer CLEMENTINO AMARAL Renato Emanuel is eigenaar van 4 aandelen van het aandelenkapitaal",
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04-07-2022 Transaction in capital or shares Capital & shares
Technical details 
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03-06-2022 All shares are now held by a single shareholder Capital & shares
Technical details 
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17-05-2022 Registered office moved from SAINT GILLES to UCCLE Registered-office change
  • RUE DU TIR 10, 1060 SAINT GILLES → Chaussée d'Alsemberg 842, 1180 UCCLE
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Algemene bouw van kantoorgebouwen41002Algemene bouw van andere niet-residentiële gebouwen41003Algemene bouw van kantoorgebouwen41202Algemene bouw van andere niet-residentiële gebouwen41203
Primary activity highlighted.
Names & trade names
Legal nameNL R A MONTE
Registered office
Steenweg op Mechelen 455 bus 1
1950 Kraainem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 5,317 of 29,570 companies in this sector with filed accounts
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative