Checked.be
Active
BE 0677.896.079Private limited company
MON AGENCE
Rue du Vieux-Mayeur 51 ·4000 Liège, Belgium· 9 yrs active
Sector: Business and other management consultancy
(70200)
Conclusion
MON AGENCE has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €-39k. Equity is shrinking by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 22% of 8388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €41k |
| Net result | €-39k |
| Staff (FTE) | 6.6 |
| Better than sector | 22% |
Financial profile
39
/ 100
Fragile profile, watch profitability in particular.
All 5 axes are computed from data Checked has read.
Health
35
Profitability
0
Solvency
26
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2017, 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
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.
Checked score
35
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€2k
estimate, not credit advice
Score history
83
2021
86
2022
27
2023
15
2024
35
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.10 (≥ 1.0)
+5
Quick ratio
Quick ratio 1.10 (≥ 1.0)
+5
Leverage
Debt/equity 4.17 (> 3.0)
-10
Profitability
Negatieve ROE -96%
-10
Interest coverage
Interest coverage -2.7× (< 1.5×)
-10
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 21-08-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~40.5%/year over 5 fiscal years, indicative, assuming unchanged policy.
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 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 19.3% | 53.1% | |
| Net result | €-39k | €38k | |
| Equity | €41k | €354k | |
| Gross operating margin | €375k | €87k | |
| Staff costs | €401k | €79k |
€-33k
-37.5%
21-25
€-39k
+32.5%
21-25
€-26k
+18.2%
21-25
€212k
-57.1%
21-25
€41k
-48.8%
21-25
€17k
-
21-25
7
-10.8%
21-25
€401k
+3.8%
21-25
€1k
+21.3%
21-25
€171k
-58.7%
21-25
€169k
-24.3%
21-25
€0
-100.0%
21-25
1.10
+16.2%
21-25
1.10
+16.2%
21-25
19.3%
+19.3%
21-25
4.17
-19.3%
21-25
-95.6%
-31.9%
21-25
-18.5%
-57.4%
21-25
-2.75
-5.0%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | full schema | full schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €-33k | €-24k | €-48k | €108k | €138k |
| Net profit | €-39k | €-58k | €-92k | €54k | €102k |
| Cash flow | €-26k | €-31k | €-69k | €73k | €108k |
| Staff costs | €401k | €386k | €437k | €251k | €133k |
| Income taxes | €1k | €926 | €13k | €26k | €24k |
| Dividends | - | - | - | - | - |
| Total assets | €212k | €493k | €579k | €634k | €600k |
| Equity | €41k | €80k | €138k | €230k | €176k |
| Debt | €171k | €413k | €442k | €405k | €425k |
| of which ≤ 1y | €169k | €223k | €233k | €184k | €176k |
| of which > 1y | €0 | €190k | €209k | €220k | €247k |
| Working capital | €17k | €-11k | €53k | €148k | €126k |
| Employees (FTE) | 6.6 | 7.4 | 9.3 | 7.0 | 4.6 |
Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, full schema, micro schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.10 | 0.95 | 1.23 | 1.81 | 1.72 |
| Quick ratio | 1.10 | 0.95 | 1.23 | 1.81 | 1.72 |
| Working capital ratio | 8.2% | -2.3% | 9.1% | 23.4% | 21.0% |
| Solvency | 19.3% | 16.2% | 23.8% | 36.2% | 29.3% |
| Debt / equity | 4.17 | 5.17 | 3.21 | 1.76 | 2.42 |
| Long-term debt ratio | 0.00 | 2.38 | 1.52 | 0.96 | 1.40 |
| Interest coverage | -2.75 | -2.62 | -4.56 | 12.42 | 19.79 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | -18.5% | -11.7% | -15.9% | 8.5% | 17.0% |
| ROE | -95.6% | -72.4% | -66.7% | 23.5% | 58.2% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €212k | €493k | €579k | €634k | €600k |
| Fixed assets | 21/28 | €25k | €282k | €294k | €302k | €299k |
| Intangible fixed assets | 21 | €4k | €5k | €7k | €8k | €3k |
| Tangible fixed assets | 22/27 | €21k | €276k | €286k | €293k | €294k |
| Financial fixed assets | 28 | €207 | €45 | €815 | €760 | €760 |
| Current assets | 29/58 | €186k | €212k | €285k | €332k | €302k |
| Amounts receivable within one year | 40/41 | €145k | €158k | €233k | €166k | €126k |
| Cash & bank | 54/58 | €35k | €47k | €40k | €165k | €174k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €212k | €493k | €579k | €634k | €600k |
| Equity | 10/15 | €41k | €80k | €138k | €230k | €176k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Reserves | 13 | €103k | €156k | €156k | €156k | €102k |
| Accumulated profits (losses) | 14 | €-81k | €-95k | €-37k | €55k | €55k |
| Amounts payable | 17/49 | €171k | €413k | €442k | €405k | €425k |
| Amounts payable after one year | 17 | €0 | €190k | €209k | €220k | €247k |
| Amounts payable within one year | 42/48 | €169k | €223k | €233k | €184k | €176k |
| Trade debts payable within one year | 44 | €30k | €20k | €62k | €47k | €40k |
| Income statement | ||||||
| Gross operating margin | 9900 | €375k | €359k | €465k | €415k | €291k |
| Operating result | 9901 | €-47k | €-51k | €-70k | €89k | €133k |
| Financial income | 75 | €21k | €3k | €1k | €50 | €44 |
| Financial charges | 65 | €12k | €9k | €10k | €9k | €7k |
| Result before taxes | 9903 | €-38k | €-57k | €-79k | €80k | €126k |
| Income taxes | 67/77 | €1k | €926 | €13k | €26k | €24k |
| Net result for the period | 9904 | €-39k | €-58k | €-92k | €54k | €102k |
| Result to be appropriated | 9905 | €14k | €-58k | €-92k | €54k | €50k |
Legal Structure
| NACE primary | Business and other management consultancy(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 04-07-2017 |
| Status | Active |
| Postal code | 4000 |
Establishment units
Rue du Vieux-Mayeur 51, 4000 Liège
since 20172.266.399.258
Voie de l'Air Pur 185, 4052 Chaudfontaine
since 20232.352.528.726
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012B0180/00E005 | Wallonia | 2,567 m² | 1 · 191 m² | 9.6 m · 2 fl. |
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 8 days late
2023
31-12
Financial
Weakest financial yearnet €-92k ▼271%
Net result drops to €-92k, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €230k ▲30.6%
2 profitable years in a row build equity to €230k.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Business and other management consultancy70200Activities of head offices; management consultancy activities70210Business consulting70220Public relations and communication consultancy73300Computer programming62100Computer consultancy and computer facilities management62200Other information technology and computer services62900Advertising agencies73110
Names & trade names
| Legal nameFR | MON AGENCE |
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