Monami Toitures-Etanchéité

Active

Private limited companyfounded 20232 yrs activeAvenue Félix Deblon 59, 4910 Theux, BelgiumKBO/BCE: BE 1003.705.025

The computed 12-month bankruptcy probability of Monami Toitures-Etanchéité is 2.3% (moderate). The 2025 annual accounts show equity of €51k and a net result of €23k. Its solvency ranks better than 85% of 26784 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

100 / 100

Excellent▲ +15 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100=

Growth78

Stability82

Bankruptcy probability, 12 months

2.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 4.57 against 3.68 in 2024), and 19.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

80.5%

Return on assets

35.9%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

11 d late

2024

60 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

06-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€51k▲ 80.3%

2024 · €28k

2024: €28k

2024 → 2025

Total assets

€64k▲ 63.0%

2024 · €39k

2024: €39k

2024 → 2025

Net result

€23k▲ 23.9%

2024 · €18k

2024: €18k

2024 → 2025

Working capital

€44k▲ 55.4%

2024 · €28k

2024: €28k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€28k-€51k▲ 80.3%

Operating result€25k-€31k▲ 20.5%

Net result€18k-€23k▲ 23.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 20% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €64k

11%

88.9%

Fixed assets €7k

Current assets €57k

Equity and liabilities €64k

80.5%

19.5%

Equity €51k▲ 80.3%

Debt €12k▲ 16.6%

The debt ratio falls from 27.2% to 19.5%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

EBITDA

€32k

Cash flow

€24k

Solvency

80.5%▲

2024 · 72.8%

Current ratio

4.57▲

2024 · 3.68

Quick ratio

4.57▲

2024 · 3.68

Debt / equity

0.24▼

2024 · 0.37

ROE

44.5%▼

2024 · 64.8%

ROA

35.9%▼

2024 · 47.2%

Interest coverage

14.15

Debt

€12k▲

2024 · €11k

Debt ≤ 1 year

€12k▲

2024 · €11k

Income taxes

€6k▲

2024 · €5k

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

Total assets 20/58€39k€64k▲

Fixed assets 21/28-€7k

Tangible fixed assets 22/27-€7k

Current assets 29/58€39k€57k▲

Amounts receivable within one year 40/41€26k€10k▼

Cash & bank 54/58€13k€46k▲

Total equity & liabilities 10/49€39k€64k▲

Equity 10/15€28k€51k▲

Contributions / capital 10/11€10k€10k=

Accumulated profits (losses) 14€18k€41k▲

Amounts payable 17/49€11k€12k▲

Amounts payable within one year 42/48€11k€12k▲

Trade debts payable within one year 44€3k€2k▼

Income statement Code20242025

Gross operating margin 9900€26k€32k▲

Operating result 9901€25k€31k▲

Financial charges 65€2k€2k▼

Result before taxes 9903€23k€28k▲

Income taxes 67/77€5k€6k▲

Net result for the period 9904€18k€23k▲

Result to be appropriated 9905€18k€23k▲

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

11-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 11 days late

2025

29-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 60 days late

NBB filing

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Comparable companies · same sector, comparable size

Similar companies · same sector, comparable size

Saint-Georges-sur-Meuse · Eq €51k

GN RENOVATION

BE 0775.593.885

Fléron · Eq €51k

Of 8,470 companies in sector 43410 we hold annual accounts for 4,268. 3,610 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-12-2023

Fiscal year end31-12

Activities, NACEBEL

43410Roofing work

25401Forging of metal

25530Machining of metals

43230Insulation installation

43240Other construction installation

43291Specialised construction activities

43299Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 16-08-2026. Scores and ratios are computed by Checked and are not a credit decision.