MONOCLE ART & SCIENCE
ActiveSummary
MONOCLE ART & SCIENCE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 60% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency91▲+32
Growth32=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 1.32 in 2024; short-term debt: 33.7% and cash: 22.1% of total assets), and 33.7% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.3%
Return on assets
44.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
4 d late
2023
1 d late
2022
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▲ 200%
2024 · €5k
2022: €43k
2023: €-16k
2024: €5k
2022 → 2025
Total assets
€21k▲ 55.0%
2024 · €13k
2022: €64k
2023: €5k
2024: €13k
2022 → 2025
Net result
€9k▼ 55.6%
2024 · €21k
2022: €38k
2023: €-59k
2024: €21k
2022 → 2025
Working capital
€10k▲ 264%
2024 · €3k
2022: €42k
2023: €-17k
2024: €3k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€43k-€-16k€5k€14k▲ 200%
Operating result€50k-€-63k€21k€10k▼ 54.5%
Net result€38k-€-59k€21k€9k▼ 55.6%
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 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€3k ▲ 93.7%
Current assets
€17k ▲ 49.2%
Equity and liabilities €21k
Equity
€14k ▲ 200%
Debt
€7k ▼ 20.4%
Debt's share of the balance-sheet total falls from 65.7% to 33.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €21k
Cash flow
€10k▼
2024 · €21k
Current ratio
2.48▲
2024 · 1.32
Debt to equity
0.51▼
2024 · 1.92
ROE
66.6%▼
2024 · 449.4%
ROA
44.1%▼
2024 · 154.1%
Interest coverage
14.50▼
2024 · 70.90
Debt ≤ 1 year
€7k▼
2024 · €9k
Income taxes
€0
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€13k€21k▲
Fixed assets21/28€2k€3k▲
Intangible fixed assets21-€2k
Tangible fixed assets22/27€1k€921▼
Furniture and vehicles24€1k€921▼
Financial fixed assets28€680€680=
Current assets29/58€12k€17k▲
Amounts receivable within one year40/41€10k€13k▲
Trade receivables40€10k€2k▼
Other amounts receivable41€0€10k▲
Cash at bank and in hand54/58€2k€5k▲
Deferred charges and accrued income490/1-€114
Equity and liabilities
Total equity and liabilities10/49€13k€21k▲
Equity10/15€5k€14k▲
Contributions10/11€5k€5k=
Reserves13-€9k
Distributable reserves133-€9k
Profit (loss) carried forward14€-407€0▲
Amounts payable17/49€9k€7k▼
Amounts payable within one year42/48€9k€7k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€6k€1k▼
Taxes450/3€5k€1k▼
Remuneration and social security454/9€869€0▼
Other amounts payable47/48€28€424▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€498€897▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-16k
Other operating charges640/8€220€17k▲
Gross operating margin9900€22k€11k▼
Operating profit (loss)9901€21k€10k▼
Financial income75/76B€0€358▲
Recurring financial income75€0€358▲
Financial charges65/66B€302€719▲
Recurring financial charges65€302€719▲
Profit (loss) for the period before taxes9903€21k€9k▼
Income taxes67/77-€0
Profit (loss) for the period9904€21k€9k▼
Profit (loss) for the period to be appropriated9905€21k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-407€9k▲
Profit (loss) brought forward from the previous period14P€-21k€-407▲
Transfer to equity691/2-€9k
To other reserves6921-€9k
The notes to these accounts (11 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 1.32
Current ratio from 0.19 to 1.32; short-term debt falls from €21k to €9k.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Weakest financial yearnet €-59k ▼255%
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Liège · 1 establishment unit since 2022
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.
Rue du Boqueteau 214000 LiègeGround area
280 m²
Building footprint
54 m²
Volume, LiDAR
403 m³
Parcel 62804C0491/00M004, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MONOCLE ART & SCIENCE
since 20222.327.949.817
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62804C0491/00M004 | Wallonia | 280 m² | 1 · 54 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Brownie
BE 0845.189.110
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BE 0779.886.928
Rebecq · Eq €13,754
Y.S.S.A. Group
BE 0831.287.228
Antwerpen · Eq €13,760
CSC Consult
BE 0770.873.153
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Nozo
BE 1024.675.534
Destelbergen · Eq €13,750
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 26,508 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
58210Publishing activities
62100Computer programming
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.