MONTAGNA LUNGA
ActiveMONTAGNA LUNGA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €-22k. Equity is growing by ~40.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 9.62 against 11.07 in 2024; short-term debt: 9.2% and cash: 86.2% of total assets), and 9.2% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
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 2025Solvency, return and age of the figures
Solvency
90.8%
Return on assets
-35.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-22k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
41 d late
2022
44 d late
2021
34 d early
2020
61 d late
2019
61 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▼ 28.3%
2024 · €78k
2018: €3k
2019: €23k
2020: €35k
2021: €64k
2022: €69k
2023: €97k
2024: €78k
2018 → 2025
Total assets
€61k▼ 27.5%
2024 · €85k
2018: €17k
2019: €63k
2020: €74k
2021: €118k
2022: €128k
2023: €116k
2024: €85k
2018 → 2025
Net result
€-22k▼ 12.7%
2024 · €-20k
2018: €-2k
2019: €20k
2020: €11k
2021: €29k
2022: €5k
2023: €28k
2024: €-20k
2018 → 2025
Working capital
€48k▼ 30.8%
2024 · €70k
2018: €2k
2019: €16k
2020: €28k
2021: €57k
2022: €61k
2023: €87k
2024: €70k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€69k▲ 8.5%€97k▲ 41.0%€78k▼ 20.1%€56k▼ 28.3%
Operating result€44k-€11k▼ 75.6%€44k▲ 314%€-25k€-22k▲ 12.2%
Net result€29k-€5k▼ 81.1%€28k▲ 421%€-20k€-22k▼ 12.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €22k in 2025 against €25k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€7k▼ 6.1%
Current assets
€54k▼ 29.7%
Equity and liabilities €61k
Equity
€56k▼ 28.3%
Debt
€6k▼ 19.1%
The debt ratio rises from 8.2% to 9.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-18k▲
2024 · €-19k
Cash flow
€-19k▼
2024 · €-14k
Solvency
90.8%▼
2024 · 91.8%
Current ratio
9.62▼
2024 · 11.07
Quick ratio
9.62▼
2024 · 11.07
Debt / equity
0.10▲
2024 · 0.09
ROE
-39.5%▼
2024 · -25.1%
ROA
-35.9%▼
2024 · -23.1%
Interest coverage
-45.53▲
2024 · -89.51
Debt
€6k▼
2024 · €7k
Debt ≤ 1 year
€6k▼
2024 · €7k
Income taxes
€324▼
2024 · €325
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€85k€61k▼
Fixed assets21/28€8k€7k▼
Tangible fixed assets22/27€8k€7k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€6k€6k▼
Current assets29/58€77k€54k▼
Amounts receivable within one year40/41€4k€1k▼
Trade receivables40€1k€1k▲
Other amounts receivable41€3k-
Cash at bank and in hand54/58€73k€53k▼
Equity and liabilities
Total equity and liabilities10/49€85k€61k▼
Equity10/15€78k€56k▼
Contributions10/11€6k€6k=
Reserves13€71k€71k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€70k€70k=
Profit (loss) carried forward14-€-22k
Amounts payable17/49€7k€6k▼
Amounts payable within one year42/48€7k€6k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48-€79
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-17k€-17k▲
Operating profit (loss)9901€-25k€-22k▲
Financial income75/76B€6k€400▼
Recurring financial income75€6k€400▼
Financial charges65/66B€209€401▲
Recurring financial charges65€209€401▲
Profit (loss) for the period before taxes9903€-19k€-22k▼
Income taxes67/77€325€324▼
Profit (loss) for the period9904€-20k€-22k▼
Profit (loss) for the period to be appropriated9905€-20k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-22k▼
Transfer from equity791/2€20k-
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 11.07
Current ratio from 5.51 to 11.07; short-term debt falls from €19k to €7k.
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 5.51
Current ratio from 2.14 to 5.51; short-term debt falls from €54k to €19k.
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 44 days late
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €29k ▲152%
Net result €29k, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Houthalen-Helchteren · 1 establishment unit since 1999
Ground area
1,989 m²
Building footprint
352 m²
Volume, LiDAR
1,456 m³
Parcel 72015D0204/00T000, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Torenstraat 3, 3530 Houthalen-Helchteren
since 19992.090.362.767
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72015D0204/00T000 | Flanders | 1,989 m² | 1 · 352 m² | 10.3 m · 1 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.
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Of 24,501 companies in sector 82990 we hold annual accounts for 9,398. 6,981 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-1999
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
73110Advertising agencies
74401
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.