Financials
- Financial year
- 2024
- Total assets
- €44,034
- Loss
- -€3,803
- Solvency
- -35.1%
Turnover▲ 32.0%
Net result
20182022
MON COUVREUR
ActiveSummary
The computed 12-month bankruptcy probability of MON COUVREUR is 6.8% (elevated). The 2024 annual accounts show negative equity (-€15,466) and a net result of -€3,803. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 35,976 sector peers (NACE 43, financial year 2024). The company has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Other specialised construction activities
NACE 43990
9th oldest company in Chaumont-Gistoux, Construction sector1 site
Size
€44,034total assets 2024
- Equity
- -€15,466
- Loss
- -€3,803
Structure
2025 accounts not filed, 89 days past the deadline
Why 32raises risk1 change of registered office in 24 monthsSector: Specialised construction activities (NACE 43)Figures for financial year 2024 (filed 29-08-2025)lowers riskSize: total assets €44,034Show the evidence
Checked score
Score 2024
32
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 8% of its sector peers (NACE 43, micro)
Financial strength · tick = 2023
Weak
Solvency
0-1
equity -35.1% of total assets
Liquidity
2-61
cash 0.7%
Profitability
16-31
return on assets -8.6%
Bankruptcy probability, 12 months
6.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.0%
12-2024: 1.0%● unchanged vs 11-2024
01-2025: 1.0%● unchanged vs 12-2024
02-2025: 1.0%● unchanged vs 01-2025
03-2025: 1.0%● unchanged vs 02-2025
04-2025: 1.0%● unchanged vs 03-2025
05-2025: 1.0%● unchanged vs 04-2025
06-2025: 0.9%▼ -0.1 percentage points vs 05-2025lowest value
07-2025: 1.1%▲ +0.2 percentage points vs 06-2025
08-2025: 1.5%▲ +0.4 percentage points vs 07-2025
09-2025: 2.3%▲ +0.8 percentage points vs 08-2025
10-2025: 2.3%● unchanged vs 09-2025
11-2025: 2.3%● unchanged vs 10-2025
12-2025: 4.8%▲ +2.5 percentage points vs 11-2025
01-2026: 4.8%● unchanged vs 12-2025
02-2026: 4.8%● unchanged vs 01-2026
03-2026: 4.7%▼ -0.1 percentage points vs 02-2026
04-2026: 4.8%▲ +0.1 percentage points vs 03-2026
05-2026: 5.0%▲ +0.2 percentage points vs 04-2026
06-2026: 4.9%▼ -0.1 percentage points vs 05-2026
07-2026: 5.3%▲ +0.4 percentage points vs 06-2026
08-2026: 5.7%▲ +0.4 percentage points vs 07-2026
09-2026: 6.0%▲ +0.3 percentage points vs 08-2026
10-2026: 6.8%▲ +0.8 percentage points vs 09-2026highest value
No credit on open account
cash: 0.7% of total assets, and equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 3% on solvency, 3% on liquidity, 13% on profitability and 13% on growth.
The bankruptcy probability was computed on 27-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Seven signals.
lowers riskraises risk
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€15,466
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 89 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline28-10-2026 today
raises risk · 2024 accounts filed 28 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
28 days late
2023
68 days late
2022
27 days late
2021
30 days late
2020
4 days early
2019
26 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 29 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (1)
- Resignations: Sandy DESBARRE (director) and Marc…Appointment: Sandy DESBARRE (sole director)…
- Resignations: Lemaire Béatrice Monique (director) and…Appointments: Wirtz Marc (managing director)…
- Annual accounts filedfinancial year 2024 · micro…
Key points
- Risk: Negative equityfinancial year 2024: debts exceed assets -€15,466 View
- Caution: Among the weakest 5% on solvencysector median 46.6% · 35,976 companies -35.1% View
- Caution: 2025 accounts not fileddeadline was 31-07-2026 89 days past the deadline View
- Directors leftlatest change 23-02-2026 · 0 in office 4 left View
By topic
Timeline
- Events
- 36
- Since
- 1994
- 07-10-2024Annual accounts filed
- 31-12-2023Back to profit
- 27-08-2023Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Other specialised construction activitiesNACE 43990
- Founded
- 12-03-1993
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
Articles of association
- Provisions read
- 50
- Who signs
- Each director alone
- Annual meeting
- First Tuesday of May at 18:00
- Purpose
- “Toutes opérations mobilières, immobilières, financières ou commerciales se rattachant…” (deed in French)
Key facts about MON COUVREUR
- What is the company number of MON COUVREUR?
- 0449.640.827. In Belgium the VAT number is the company number with BE in front: BE 0449.640.827.
- Where is MON COUVREUR based?
- The registered office is at Rue des Frères Poels, Dion-V. 7, 1325 Chaumont-Gistoux.Company details
- What does MON COUVREUR do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of MON COUVREUR?
- Public limited company (NV).
- When was MON COUVREUR founded?
- On 12-03-1993.
- Is MON COUVREUR still active?
- Yes, MON COUVREUR is an active enterprise in the KBO register.
- What is the turnover of MON COUVREUR?
- €18,800 in financial year 2022, according to the filed annual accounts.Financials
- Is MON COUVREUR profitable?
- In financial year 2024, MON COUVREUR made a loss of €3,803.
- Where can I find the annual accounts of MON COUVREUR?
- MON COUVREUR filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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