MONTACUIZ
ActiveSummary
The computed 12-month bankruptcy probability of MONTACUIZ is 4.3% (elevated). The 2025 annual accounts show negative equity (€-12k) and a net result of €-9k. Equity is shrinking by ~58.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 403 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
14
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-4
Growth32=
Track record94
Bankruptcy probability, 12 months
4.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year €-12k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
26 d late
2022
25 d late
2021
4 d late
← 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-9k▲ 38.0%
2024 · €-14k
2021: €297
2022: €540
2023: €184
2024: €-14k
2021 → 2025
Working capital
€-12k▼ 264%
2024 · €-3k
2021: €10k
2022: €11k
2023: €11k
2024: €-3k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€11k▲ 5.2%€11k▲ 1.7%€-3k€-12k▼ 276%
Operating result€504-€1k▲ 125%€2k▲ 33.3%€-13k€-8k▲ 33.5%
Net result€297-€540▲ 81.7%€184▼ 65.9%€-14k€-9k▲ 38.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €13k in 2024; the loss shrinks.
Key figures and ratios
Debt
€16k▼
2024 · €18k
Debt ≤ 1 year
€15k▼
2024 · €18k
Staff costs
€0▼
2024 · €75k
Ratios withheld: a balance sheet total of €4k is too small for a meaningful ratio.
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€15k€4k▼
Current assets29/58€15k€4k▼
Amounts receivable within one year40/41€13k€3k▼
Trade receivables40€1k€0▼
Other amounts receivable41€12k€3k▼
Cash at bank and in hand54/58€2k€143▼
Deferred charges and accrued income490/1€0€28▲
Equity and liabilities
Total equity and liabilities10/49€15k€4k▼
Equity10/15€-3k€-12k▼
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-13k€-22k▼
Amounts payable17/49€18k€16k▼
Amounts payable within one year42/48€18k€15k▼
Trade debts44€7k€569▼
Suppliers440/4€7k€569▼
Taxes, remuneration and social security45€10k€1k▼
Taxes450/3€5k€0▼
Remuneration and social security454/9€6k€1k▼
Other amounts payable47/48€814€13k▲
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Remuneration, social security and pensions62€75k€0▼
Other operating charges640/8€387€5k▲
Gross operating margin9900€63k€-3k▼
Operating profit (loss)9901€-13k€-8k▲
Financial income75/76B-€28
Recurring financial income75-€28
Financial charges65/66B€2k€404▼
Recurring financial charges65€2k€404▼
Profit (loss) for the period before taxes9903€-14k€-9k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-14k€-9k▲
Profit (loss) for the period to be appropriated9905€-14k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-22k▼
Profit (loss) brought forward from the previous period14P€1k€-13k▼
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-14k ▼7820%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 25 days late
2022
31-12
Financial
Highest result since 2021net €540 ▲81.7%
Net result €540, the highest in the series.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Chaumont-Gistoux · 1 establishment unit since 2021
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 de la Haie Gérard, Dion-V. 71325 Chaumont-GistouxGround area
2,702 m²
Building footprint
136 m²
Volume, LiDAR
881 m³
Parcel 25025B0175/00K000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MONTACUIZ
since 20212.311.845.639
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25025B0175/00K000 | Wallonia | 2,702 m² | 1 · 136 m² | 8.7 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
HERMANS
BE 0521.963.928
Dilsen-Stokkem · Eq €10,925
B INTERIOR
BE 0881.755.239
Messancy · Eq €11,850
Ciclé
BE 1025.896.051
Moorslede · Eq €12,086
RUBEX Co
BE 0473.370.787
Herzele · Eq €12,142
A.SMART KITCHEN
BE 0479.326.785
Sint-Truiden · Eq €9,717
Of 619 companies in sector 31002 we hold annual accounts for 349. 119 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
Founded24-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
31002Manufacture of furniture
47551Retail sale of household furniture
43320Joinery installation
47553Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.