MONA LISA
ActiveMONA LISA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €5k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 63% of 13306 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+1
Solvency70▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 5.93 against 21.13 in 2024; short-term debt: 11.9% and cash: 23.8% of total assets), but 54.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
on the day
2023
1 d early
2022
8 d early
2021
3 d early
2020
3 d early
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 20.8%
2024 · €22k
2019: €9k
2020: €6k
2021: €10k
2022: €14k
2023: €17k
2024: €22k
2019 → 2025
Total assets
€58k▼ 7.4%
2024 · €62k
2019: €120k
2020: €105k
2021: €93k
2022: €82k
2023: €74k
2024: €62k
2019 → 2025
Net result
€5k▼ 0.4%
2024 · €5k
2019: €2k
2020: €-3k
2021: €5k
2022: €3k
2023: €3k
2024: €5k
2019 → 2025
Working capital
€34k▼ 10.5%
2024 · €38k
2019: €57k
2020: €48k
2021: €41k
2022: €36k
2023: €38k
2024: €38k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€14k▲ 31.9%€17k▲ 25.3%€22k▲ 26.5%€26k▲ 20.8%
Operating result€7k-€5k▼ 30.0%€4k▼ 7.9%€5k▲ 13.7%€4k▼ 7.9%
Net result€5k-€3k▼ 30.2%€3k▲ 4.6%€5k▲ 31.1%€5k▼ 0.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€17k▼ 25.0%
Current assets
€41k▲ 2.6%
Equity and liabilities €58k
Equity
€26k▲ 20.8%
Debt
€31k▼ 22.5%
The debt ratio falls from 65.2% to 54.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €10k
Cash flow
€10k▼
2024 · €10k
Solvency
45.4%▲
2024 · 34.8%
Current ratio
5.93▼
2024 · 21.13
Quick ratio
5.93▼
2024 · 21.13
Debt / equity
1.20▼
2024 · 1.88
ROE
17.3%▼
2024 · 20.9%
ROA
7.8%▲
2024 · 7.3%
Interest coverage
28.90▼
2024 · 29.60
Debt
€31k▼
2024 · €41k
Debt ≤ 1 year
€7k▲
2024 · €2k
Debt > 1 year
€25k▼
2024 · €39k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€62k€58k▼
Fixed assets21/28€23k€17k▼
Tangible fixed assets22/27€23k€17k▼
Land and buildings22€23k€17k▼
Current assets29/58€40k€41k▲
Amounts receivable within one year40/41-€109
Other amounts receivable41-€109
Current investments50/53-€25k
Cash at bank and in hand54/58€40k€14k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€62k€58k▼
Equity10/15€22k€26k▲
Contributions10/11€19k€19k=
Reserves13€32k€32k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€-29k€-24k▲
Amounts payable17/49€41k€31k▼
Amounts payable after more than one year17€39k€25k▼
Financial debts170/4€39k€25k▼
Amounts payable within one year42/48€2k€7k▲
Current portion of amounts payable after more than one year42€923-
Trade debts44€953€3k▲
Suppliers440/4€953€3k▲
Other amounts payable47/48-€4k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€387€126▼
Gross operating margin9900€11k€10k▼
Operating profit (loss)9901€5k€4k▼
Financial income75/76B-€365
Recurring financial income75-€365
Financial charges65/66B€355€350▼
Recurring financial charges65€355€350▼
Profit (loss) for the period before taxes9903€5k€5k▼
Profit (loss) for the period9904€5k€5k▼
Profit (loss) for the period to be appropriated9905€5k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-24k▲
Profit (loss) brought forward from the previous period14P€-33k€-29k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity triplescurrent ratio 21.13
Current ratio from 6.18 to 21.13; short-term debt falls from €7k to €2k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-3k ▼288%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 12 days late
2017
15-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 15 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2008
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Koningin Astridlaan(Bis) 348501 KortrijkGround area
276 m²
Building footprint
149 m²
Volume, LiDAR
1,106 m³
2 parcels, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GAINSBAR
since 20082.172.033.896
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34007A0347/00Y005 | Flanders | 216 m² | 1 · 88 m² | 12.3 m · 3 fl. |
| 34353H1537/00_000 | Flanders | 60 m² | 1 · 61 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 4,061 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-06-2008
Fiscal year end30-06
Activities, NACEBEL
56301Cafés and bars
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.