MONTE GAUDIO
ActiveSummary
MONTE GAUDIO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-185k) and a net result of €6k. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-1
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.37 in 2024; short-term debt: 38.9% and cash: 5.8% of total assets), 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.
−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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
-74.6%
Return on assets
2.3%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 5%
← weakest
strongest →
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
29 d late
2022
31 d late
2021
25 d late
2020
31 d late
2019
60 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
Equity
€-185k▲ 3.0%
2024 · €-190k
2018: €-13k
2019: €-106k
2020: €-135k
2021: €-179k
2022: €-195k
2023: €-199k
2024: €-190k
2018 → 2025
Total assets
€247k▼ 10.7%
2024 · €277k
2018: €800k
2019: €509k
2020: €459k
2021: €400k
2022: €374k
2023: €325k
2024: €277k
2018 → 2025
Net result
€6k▼ 35.5%
2024 · €9k
2018: €-76k
2019: €-93k
2020: €-29k
2021: €-44k
2022: €-15k
2023: €-4k
2024: €9k
2018 → 2025
Working capital
€-42k▲ 25.9%
2024 · €-57k
2018: €227k
2019: €-52k
2020: €-29k
2021: €-69k
2022: €-76k
2023: €-70k
2024: €-57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-179k-€-195k▼ 8.4%€-199k▼ 2.3%€-190k▲ 4.4%€-185k▲ 3.0%
Operating result€-43k-€-14k▲ 66.5%€-231▲ 98.4%€12k€9k▼ 22.6%
Net result€-44k-€-15k▲ 65.8%€-4k▲ 70.4%€9k€6k▼ 35.5%
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 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€193k ▼ 20.8%
Current assets
€54k ▲ 63.7%
Key figures and ratios
EBITDA
€60k▼
2024 · €63k
Cash flow
€56k▼
2024 · €59k
Solvency
-74.6%▼
2024 · -68.7%
Current ratio
0.56▲
2024 · 0.37
Quick ratio
0.56▲
2024 · 0.36
Debt to equity
-2.34▲
2024 · -2.46
ROA
2.3%▼
2024 · 3.1%
Interest coverage
17.84▼
2024 · 21.77
Debt
€432k▼
2024 · €467k
Debt ≤ 1 year
€96k▲
2024 · €90k
Debt > 1 year
€336k▼
2024 · €377k
Income taxes
€141▲
2024 · €140
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€277k€247k▼
Fixed assets21/28€244k€193k▼
Tangible fixed assets22/27€243k€193k▼
Plant, machinery and equipment23€160k€140k▼
Furniture and vehicles24€83k€53k▼
Financial fixed assets28€350€350=
Current assets29/58€33k€54k▲
Stocks and contracts in progress3€527€527=
Stocks30/36€527€527=
Amounts receivable within one year40/41€23k€34k▲
Trade receivables40€20k€30k▲
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€8k€14k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€277k€247k▼
Equity10/15€-190k€-185k▲
Contributions10/11€19k€19k=
Reserves13€43k€43k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€-252k€-247k▲
Amounts payable17/49€467k€432k▼
Amounts payable after more than one year17€377k€336k▼
Financial debts170/4€42k-
Other amounts payable178/9€336k€336k=
Amounts payable within one year42/48€90k€96k▲
Current portion of amounts payable after more than one year42€41k€42k▲
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Advances received on contracts in progress46-€7k
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€7k€4k▼
Other amounts payable47/48€36k€39k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€51k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€64k€63k▼
Operating profit (loss)9901€12k€9k▼
Financial income75/76B-€37
Recurring financial income75-€37
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€9k€6k▼
Income taxes67/77€140€141▲
Profit (loss) for the period9904€9k€6k▼
Profit (loss) for the period to be appropriated9905€9k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-252k€-247k▲
Profit (loss) brought forward from the previous period14P€-261k€-252k▲
The notes to these accounts (7 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
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after 6 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Weakest financial yearnet €-93k
Net result drops to €-93k, the lowest in the series; recovery starts the following year.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Kraainem · 4 establishment units since 2011
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.
Steenweg op Brussel 3011950 KraainemGround area
7,877 m²
Building footprint
603 m²
Volume, LiDAR
4,651 m³
4 parcels, Brussels, Flanders, Wallonia · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.
4 establishment units
MONTE GAUDIO
since 20112.203.068.948
La Place, Corroy 7, 1325 Chaumont-Gistoux
since 20112.205.363.591
Monte Gaudio
since 20122.207.451.071
Monte Gaudio
since 20182.272.910.235
4 parcels
Flanders
1
(25%)
Wallonia
2
(50%)
Brussels
1
(25%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0080/00B004 | Flanders | 5,356 m² | 1 · 175 m² | 14.8 m · 3 fl. |
| 25021B0193/00E000 | Wallonia | 1,741 m² | 1 · 219 m² | 8.2 m · 2 fl. |
| 92041A0038/00E003indicative | Wallonia | 408 m² | 1 · 127 m² | 9.9 m · 3 fl. |
| 21018B0012/00L002 | Brussels | 373 m² | 1 · 82 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
3 of 4 parcels 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
Cagency
BE 0802.304.618
Schaarbeek · Eq €62,015
METEORA
BE 0687.603.306
Mortsel · Eq €61,910
Alix Aspeslagh
BE 0773.427.124
Brussel · Eq €61,870
SMART LEGAL SERVICES
BE 0681.615.337
Sint-Pieters-Woluwe · Eq €62,389
G-LAW
BE 1002.841.725
Lasne · Eq €62,710
Of 2,762 companies in sector 69109 we hold annual accounts for 1,208. 931 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 (pre-2019)
Founded07-10-2011
Fiscal year end31-12
Activities, NACEBEL 2025
69109Other legal services
70200Business and other management consultancy
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:olivierdemontjoye@gmail.com
Phone:0483/360103