Equity
-€3,670
Debts exceed assets in financial year 2025.
Montour
Lifetime
4 annual accounts with figures on one time axispeak €3,875 (2023)
-€1,740▼ €1,687
lowest -€16,208 (2025)
-€16,208▼ €9,276
peak €19,469 (2023)
-€3,670▼ €16,208
€473,043▲ 533×
Board3 names since 2021
1 directorDESMET Gauthier Marc Monique
Documentsfilings and deeds
30-04-2026on the last day
2025micro format
Gross margin from -€54 to -€1,740Loss of €16,208Appointment: RambouxVirginie (director) 12-02Company renamed from Crodes to Studio G&V 31-01Equity from €12,537 to -€3,670Debts from €888 to €473,043
Key points
from the 2025 annual accountsLosses
-€23,139 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Debts
€473,043 101% of the balance sheet
Financial debts 39%Suppliers 4%Taxes and wages 0%Other 56%
Of this, €135,876 falls due within a year.
Investments
€378,488 38.0 × depreciation
Green is investment, beige is depreciation. Machinery stands 2887.7% higher than in 2024.
Liquidity
0.73 was 10.94 in 2024
Short-term debts rose from €888 to €135,876.
Position in the sector
-€3,670
Less equity than 91% of companies in specialised construction. Sector median €57,756 · 35,086 companies.
Turnover not published (micro format)
Checked score
35
Weak
Financially stronger than 18% of micro companies in specialised construction (NACE 43)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
5.1% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,695 companies (NACE 43, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.8%
01-2025: 2.3%▲ +0.5 percentage points vs 12-2024
02-2025: 6.5%▲ +4.2 percentage points vs 01-2025
03-2025: 6.6%▲ +0.1 percentage points vs 02-2025
04-2025: 6.7%▲ +0.1 percentage points vs 03-2025
05-2025: 7.7%▲ +1.0 percentage point vs 04-2025highest value
06-2025: 3.4%▼ -4.3 percentage points vs 05-2025
07-2025: 3.4%● unchanged vs 06-2025
08-2025: 3.4%● unchanged vs 07-2025
09-2025: 3.4%● unchanged vs 08-2025
10-2025: 3.4%● unchanged vs 09-2025
11-2025: 3.4%● unchanged vs 10-2025
12-2025: 3.3%▼ -0.1 percentage points vs 11-2025
01-2026: 3.6%▲ +0.3 percentage points vs 12-2025
02-2026: 3.7%▲ +0.1 percentage points vs 01-2026
03-2026: 3.8%▲ +0.1 percentage points vs 02-2026
04-2026: 3.8%● unchanged vs 03-2026
05-2026: 5.2%▲ +1.4 percentage points vs 04-2026
06-2026: 1.6%▼ -3.6 percentage points vs 05-2026lowest value
07-2026: 1.6%● unchanged vs 06-2026lowest value
08-2026: 1.6%● unchanged vs 07-2026
09-2026: 1.6%● unchanged vs 08-2026
10-2026: 5.1%▲ +3.5 percentage points vs 09-2026
11-2026: 5.1%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
2 changes of registered office in 24 months
Negative equity -€3,670
lowers risk
Size: total assets €469,373
Figures for financial year 2025 (filed on 05-05-2026)
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 43, micro). It does better than 8% of them on solvency, 48% on liquidity, 13% on profitability and 3% on growth.
The bankruptcy probability was computed on 06-11-2026 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 30-09-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 1,167 companies had the same profile as Montour has now. Each dot stands for 3 companies, two years later.
94.9%
were still trading
2.8%
stopped another way
2.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Montour itself is higher: 5.1% within 12 months. It rests on far more data about Montour than the profile alone.
Test of the method
The method was tested on the 497,447 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.
| 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 1,167 companies, not a prediction for Montour. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.73 (10.94 in 2024), below 1. Short-term debt is 28.9% and cash 11.5% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€3,670
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
15 days late
2023
34 days early
2022
11 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 8 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 25 April (4 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end07-11-2026 today30-04-2027 deadline
Board and ownership
- DESMET Gauthier Marc Monique founderdeed of 06-01-2021
- CROMBÉ Alexander Luc Willy founderdeed of 06-01-2021
Recent changes
Company renamed from Studio G&V to Montour
Registered office moved within Kortrijk · New registered office: Ten Houte 12, 8500 Kortrijk · Previous registered office: Volksplein 16B, 8500 Kortrijk · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0760794655
Appointment: RambouxVirginie (director)
General meeting of 31-01-2025 · Gazette deed
Company renamed from Crodes to Studio G&V
Registered office moved from Zwevegem to Kortrijk · New registered office: Volksplein 16B, 8500 Kortrijk · Previous registered office: Otegemstraat 433, 8550 Zwevegem · General meeting of 24-01-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Montour Kortrijk | €469,373 | -€1,740 | -0.8% | - |
| BONNET Zwevegem | €491,278 | -€2,003 | 18.1% | - |
| BEEBOX Etterbeek | €419,767 | -€140,941 | 13.4% | - |
| FERYN PREFAB GARAGEBOXEN Kapelle-op-den-Bos | €558,307 | -€96,747 | 25.5% | - |
| PULGRÉ Lommel | €434,769 | -€23,936 | 39.8% | 3 |
| VEREMA Wuustwezel | €601,537 | -€46,441 | 38.0% | - |
| EXCELSIOR CHÂSSIS Anderlecht | €338,581 | -€737 | 10.1% | - |
These companies have the same main activity as Montour: joinery installation (NACE 43320). They are comparable in size and age: total assets between €339,000 and €602,000, founded between 2019 and 2021.
Official details
Source: KBO- Status
- Active since 04-01-2021Normal situation
- Activity
- Joinery installationNACE 43320
- Establishment unit
- 2.312.320.9398500 Kortrijk, since 04-01-2021
- Financial year end
- 30 September
- Peppol
- Reachable since 22-01-2026
Annual accounts to 30-09-2025
- €469,373▲ 35×
- Filing
- Filed on 30-04-2026, on the last day of the filing period
Insights on Montour
Montour files the micro format. That format states no turnover. The gross margin rose from -€2,497 in 2022 to -€1,740 in 2025.
The balance sheet grew most in 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Montour
- What is the company number of Montour?
- The company number of Montour is 0760.794.655. The VAT number is the same number with BE in front: BE 0760.794.655.
- Where is Montour based?
- The registered office is at Ten Houte 12, 8500 Kortrijk.Company details
- What does Montour do?
- According to the KBO register, the main activity is joinery installation (NACE 43320).
- What is the legal form of Montour?
- Montour is a private limited company (BV).
- When was Montour founded?
- Montour was founded on 04-01-2021.
- Is Montour still active?
- Yes, Montour is an active enterprise in the KBO register.
- What is the turnover of Montour?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is Montour profitable?
- In financial year 2025, Montour made a loss of €16,208.
- Where can I find the annual accounts of Montour?
- Montour filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Montour due?
- Montour must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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