MONTE INVEST: what changed
What changed
MONTE INVEST
NACE 68.121, Development of residential building projects
filed annual accounts (NBB)
Net result for the year
-€274,392
2024 · -€381,070+€106,678
Equity
-€632,718
2024 · -€358,326-€274,392
Cash
€14,409
2024 · €62+€14,347
Balance sheet total
€2.4m
2024 · €5.1m-€2.8m
Largest movements
Assets
- Stocks and contracts -€4.7m
down €4.7m (-97.8%), from €4.8m to €104,255
- Receivables within one year +€2.0m
up €2.0m (+754%), from €260,599 to €2.2m
of which Trade receivables: +€2.1m
Equity and liabilities
- Short-term financial debts -€2.5m
down €2.5m (-46.7%), from €5.3m to €2.9m
- Profit (loss) carried forward -€274,392
down €274,392 (-64.3%), from -€426,526 to -€700,918
- Trade debts +€120,079
up €120,079 (+2,451%), from €4,900 to €124,979
- Tax, wage and social debts -€92,452
no longer reported in 2025 (was €92,452)
Income statement
- Gross operating margin -€189,583
down €189,583, from €43,821 to -€145,762
- Financial charges -€39,320
down €39,320 (-22.4%), from €175,669 to €136,348
- Financial income +€14,682
up €14,682 (+5,406%), from €272 to €14,954
- Other operating charges -€2,559
down €2,559 (-26.1%), from €9,794 to €7,235
Change in the result, 2024 to 2025
For each income-statement line you see the change as its effect on the result. Higher costs lower the result, higher income raises it.
Result 2024
-€381,070
Gross operating margin
-€189,583
Other operating charges
+€2,559
Other operating items
+€239,700
Financial income
+€14,682
Financial charges
+€39,320
Result 2025
-€274,392
raises the resultlowers the resultnot broken down further in the accounts
Derived cash bridge
The bridge is derived from the 2024 and 2025 balance sheets and the 2025 result. There is no filed cash-flow statement. You see where the money came from and where it went.
From operations
+€2.5m
Investment
€0
Financing
-€2.5m
Cash 2024
€62
From operations (derived)
+€2.5m
Net result for the year
-€274,392
Stocks and contracts
+€4.7m
Receivables within one year
-€2.0m
Trade debts
+€120,079
Tax, wage and social debts
-€92,452
Accrued charges and deferred income
-€11,593
Financing
-€2.5m
Debts after one year
+€362
Short-term financial debts
-€2.5m
Cash 2025
€14,409
brings cash intakes cash out
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €5,101,750 | €2,350,158 | -€2.8m | -53.9% |
| Current assets | 29/58 | €5,101,750 | €2,350,158 | -€2.8m | -53.9% |
| Stocks and contracts in progress | 3 | €4,833,809 | €104,255 | -€4.7m | -97.8% |
| Stocks | 30/36 | €4,833,809 | €104,255 | -€4.7m | -97.8% |
| Amounts receivable within one year | 40/41 | €260,599 | €2,224,215 | +€2.0m | +754% |
| Trade receivables | 40 | - | €2,095,774 | +€2.1m | |
| Other amounts receivable | 41 | €260,599 | €128,441 | -€132,158 | -50.7% |
| Cash at bank and in hand | 54/58 | €62 | €14,409 | +€14,347 | +23,166% |
| Deferred charges and accrued income | 490/1 | €7,280 | €7,280 | = | 0.0% |
| Total equity and liabilities | 10/49 | €5,101,750 | €2,350,158 | -€2.8m | -53.9% |
| Equity | 10/15 | -€358,326 | -€632,718 | -€274,392 | -76.6% |
| Contributions | 10/11 | €62,000 | €62,000 | = | 0.0% |
| Capital | 10 | €62,000 | €62,000 | = | 0.0% |
| Issued capital | 100 | €62,000 | €62,000 | = | 0.0% |
| Reserves | 13 | €6,200 | €6,200 | = | 0.0% |
| Non-distributable reserves | 130/1 | €6,200 | €6,200 | = | 0.0% |
| Legal reserve | 130 | €6,200 | €6,200 | = | 0.0% |
| Profit (loss) carried forward | 14 | -€426,526 | -€700,918 | -€274,392 | -64.3% |
| Amounts payable | 17/49 | €5,460,076 | €2,982,876 | -€2.5m | -45.4% |
| Amounts payable after more than one year | 17 | €4,086 | €4,449 | +€362 | +8.9% |
| Financial debts | 170/4 | €4,086 | €4,449 | +€362 | +8.9% |
| Amounts payable within one year | 42/48 | €5,441,209 | €2,975,239 | -€2.5m | -45.3% |
| Financial debts | 43 | €5,343,597 | €2,850,000 | -€2.5m | -46.7% |
| Credit institutions | 430/8 | €5,343,597 | €2,850,000 | -€2.5m | -46.7% |
| Trade debts | 44 | €4,900 | €124,979 | +€120,079 | +2,451% |
| Suppliers | 440/4 | €4,900 | €124,979 | +€120,079 | +2,451% |
| Taxes, remuneration and social security | 45 | €92,452 | - | -€92,452 | |
| Taxes | 450/3 | €92,452 | - | -€92,452 | |
| Other amounts payable | 47/48 | €260 | €260 | = | 0.0% |
| Accrued charges and deferred income | 492/3 | €14,781 | €3,189 | -€11,593 | -78.4% |
| Other operating charges | 640/8 | €9,794 | €7,235 | -€2,559 | -26.1% |
| Non-recurring operating charges | 66A | €239,700 | - | -€239,700 | |
| Gross operating margin | 9900 | €43,821 | -€145,762 | -€189,583 | |
| Operating profit (loss) | 9901 | -€205,673 | -€152,997 | +€52,676 | +25.6% |
| Financial income | 75/76B | €272 | €14,954 | +€14,682 | +5,406% |
| Recurring financial income | 75 | €272 | €14,954 | +€14,682 | +5,406% |
| Financial charges | 65/66B | €175,669 | €136,348 | -€39,320 | -22.4% |
| Recurring financial charges | 65 | €175,669 | €136,348 | -€39,320 | -22.4% |
| Profit (loss) for the period before taxes | 9903 | -€381,070 | -€274,392 | +€106,678 | +28.0% |
| Profit (loss) for the period | 9904 | -€381,070 | -€274,392 | +€106,678 | +28.0% |
| Profit (loss) for the period to be appropriated | 9905 | -€381,070 | -€274,392 | +€106,678 | +28.0% |
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Calculation and sources
Source: filed annual accounts (NBB), financial years ended 31 December 2024 and 31 December 2025. Green is a favourable move for that line, red an unfavourable one. Prepared on 3 November 2026 via checked.be.