MONTECITO
ActiveSummary
MONTECITO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.40M and a net result of €4.03M. Equity is growing by ~31.1% per year across the filed fiscal years. Its solvency ranks better than 48% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+54
Solvency79▲+36
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €330k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 0.56 in 2024; short-term debt: 45.3% and cash: 2.1% of total assets), and 45.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
54.1%
Return on assets
49.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 7 filingsDeviation from the deadline
2025
30 d late
2024
8 d late
2023
66 d late
2022
34 d early
2021
127 d late
2020
25 d late
2019
69 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4.40M▲ 1,077%
2024 · €374k
2019: €6klowest in 7 years
2020: €46k▲ +701% vs 2019
2021: €108k▲ +132% vs 2020
2022: €332k▲ +208% vs 2021
2023: €356k▲ +7.3% vs 2022
2024: €374k▲ +5.0% vs 2023
2025: €4.40M▲ +1077% vs 2024highest in 7 years
2019 → 2025
Total assets
€8.14M▲ 293%
2024 · €2.07M
2019: €67klowest in 7 years
2020: €139k▲ +108% vs 2019
2021: €236k▲ +70.1% vs 2020
2022: €2.16M▲ +814% vs 2021
2023: €1.90M▼ -11.9% vs 2022
2024: €2.07M▲ +8.7% vs 2023
2025: €8.14M▲ +293% vs 2024highest in 7 years
2019 → 2025
Net result
€4.03M▲ 22,606%
2024 · €18k
2019: €-403lowest in 7 years
2020: €41k▲ +10176% vs 2019
2021: €61k▲ +50.5% vs 2020
2022: €217k▲ +255% vs 2021
2023: €105k▼ -51.8% vs 2022
2024: €18k▼ -83.0% vs 2023
2025: €4.03M▲ +22606% vs 2024highest in 7 years
2019 → 2025
Working capital
€2.93M
2024 · €-726k
2019: €29k
2020: €46k▲ +55.6% vs 2019
2021: €107k▲ +134% vs 2020
2022: €46k▼ -57.1% vs 2021
2023: €-192k▼ -517% vs 2022
2024: €-726k▼ -278% vs 2023lowest in 7 years
2025: €2.93M▲ +504% vs 2024highest in 7 years
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€332k▲ 208%€356k▲ 7.3%€374k▲ 5.0%€4.40M▲ 1,077%
2021: €108klowest in 5 years
2022: €332k▲ +208% vs 2021
2023: €356k▲ +7.3% vs 2022
2024: €374k▲ +5.0% vs 2023
2025: €4.40M▲ +1077% vs 2024highest in 5 years
Operating result€84k-€253k▲ 202%€172k▼ 32.1%€99k▼ 42.6%€134k▲ 36.2%
2021: €84klowest in 5 years
2022: €253k▲ +202% vs 2021highest in 5 years
2023: €172k▼ -32.1% vs 2022
2024: €99k▼ -42.6% vs 2023
2025: €134k▲ +36.2% vs 2024
Net result€61k-€217k▲ 255%€105k▼ 51.8%€18k▼ 83.0%€4.03M▲ 22,606%
2021: €61k
2022: €217k▲ +255% vs 2021
2023: €105k▼ -51.8% vs 2022
2024: €18k▼ -83.0% vs 2023lowest in 5 years
2025: €4.03M▲ +22606% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.14M
Fixed assets
€1.51M ▲ 32.1%
Current assets
€6.62M ▲ 617%
Equity and liabilities €8.14M
Equity
€4.40M ▲ 1,077%
Provisions
€47k =
Debt
€3.69M ▲ 124%
Debt's share of the balance-sheet total falls from 79.7% to 45.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€137k▲
2024 · €107k
Cash flow
€4.03M▲
2024 · €26k
Current ratio
1.79▲
2024 · 0.56
Debt to equity
0.84▼
2024 · 4.41
ROE
91.5%▲
2024 · 4.7%
ROA
49.5%▲
2024 · 0.9%
Interest coverage
1060.78▲
2024 · 3.14
Debt ≤ 1 year
€3.69M▲
2024 · €1.65M
Income taxes
€13k▲
2024 · €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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.07M€8.14M▲
Fixed assets21/28€1.15M€1.51M▲
Tangible fixed assets22/27€5k€3k▼
Land and buildings22€0-
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€1.14M€1.51M▲
Current assets29/58€923k€6.62M▲
Amounts receivable within one year40/41€909k€4.08M▲
Trade receivables40€18k€122k▲
Other amounts receivable41€891k€3.95M▲
Current investments50/53-€2.37M
Cash at bank and in hand54/58€13k€173k▲
Deferred charges and accrued income490/1€521€1k▲
Equity and liabilities
Total equity and liabilities10/49€2.07M€8.14M▲
Equity10/15€374k€4.40M▲
Contributions10/11€5k€5k=
Reserves13€143k€143k=
Tax-exempt reserves132€141k€141k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€226k€4.25M▲
Provisions and deferred taxes16€47k€47k=
Deferred taxes168€47k€47k=
Amounts payable17/49€1.65M€3.69M▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€1.65M€3.69M▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€850€0▼
Credit institutions430/8€850€0▼
Trade debts44€31k€60k▲
Suppliers440/4€31k€60k▲
Taxes, remuneration and social security45€5k€23k▲
Taxes450/3€4k€22k▲
Remuneration and social security454/9€1k€1k=
Other amounts payable47/48€1.61M€3.61M▲
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€2k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€110k€138k▲
Operating profit (loss)9901€99k€134k▲
Financial income75/76B€0€3.90M▲
Recurring financial income75€0€3.90M▲
Financial charges65/66B€34k€129▼
Recurring financial charges65€34k€129▼
Profit (loss) for the period before taxes9903€65k€4.04M▲
Transfer to deferred taxes680€47k€0▼
Income taxes67/77€0€13k▲
Profit (loss) for the period9904€18k€4.03M▲
Transfer to tax-exempt reserves689€141k€0▼
Profit (loss) for the period to be appropriated9905€-123k€4.03M▲
Appropriation of the result
Profit (loss) to be appropriated9906€226k€4.25M▲
Profit (loss) brought forward from the previous period14P€350k€226k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €37k | €83k | €64k | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €229 | €105k | €41k | €8k | €2k | ▼ 70.4% |
| Other operating charges640/8 | €2k | €5k | €6k | €3k | €2k | ▼ 48.0% |
| Gross operating margin9900 | €122k | €447k | €284k | €110k | €138k | ▲ 26.1% |
| Operating profit (loss)9901 | €84k | €253k | €172k | €99k | €134k | ▲ 36.2% |
| Financial income75/76B | - | €382 | €376 | €0 | €3.90M | ▲ 867,594,211% |
| Recurring financial income75 | - | €382 | €376 | €0 | €3.90M | ▲ 867,594,211% |
| Financial charges65/66B | €408 | €37k | €55k | €34k | €129 | ▼ 99.6% |
| Recurring financial charges65 | €408 | €37k | €55k | €34k | €129 | ▼ 99.6% |
| Profit (loss) for the period before taxes9903 | €83k | €217k | €117k | €65k | €4.04M | ▲ 6,139% |
| Transfer to deferred taxes680 | - | - | - | €47k | €0 | ▼ 100% |
| Income taxes67/77 | €22k | €144 | €12k | €0 | €13k | - |
| Profit (loss) for the period9904 | €61k | €217k | €105k | €18k | €4.03M | ▲ 22,606% |
| Transfer to tax-exempt reserves689 | - | - | - | €141k | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €61k | €217k | €105k | €-123k | €4.03M | ▲ 3,365% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €236k | €2.16M | €1.90M | €2.07M | €8.14M | ▲ 293% |
| Fixed assets21/28 | €388 | €1.47M | €1.58M | €1.15M | €1.51M | ▲ 32.1% |
| Tangible fixed assets22/27 | €288 | €1.46M | €1.42M | €5k | €3k | ▼ 47.1% |
| Land and buildings22 | - | €1.45M | €1.42M | €0 | - | - |
| Furniture and vehicles24 | €288 | €10k | €0 | €2k | €1k | ▼ 48.8% |
| Other tangible fixed assets26 | - | - | - | €3k | €2k | ▼ 46.0% |
| Financial fixed assets28 | €100 | €7k | €165k | €1.14M | €1.51M | ▲ 32.5% |
| Current assets29/58 | €236k | €689k | €320k | €923k | €6.62M | ▲ 617% |
| Amounts receivable within one year40/41 | €3k | €5k | €309k | €909k | €4.08M | ▲ 348% |
| Trade receivables40 | - | €4k | €0 | €18k | €122k | ▲ 595% |
| Other amounts receivable41 | €3k | €830 | €309k | €891k | €3.95M | ▲ 344% |
| Current investments50/53 | - | - | - | - | €2.37M | - |
| Cash at bank and in hand54/58 | €233k | €618k | €10k | €13k | €173k | ▲ 1,181% |
| Deferred charges and accrued income490/1 | - | €66k | €682 | €521 | €1k | ▲ 137% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €236k | €2.16M | €1.90M | €2.07M | €8.14M | ▲ 293% |
| Equity10/15 | €108k | €332k | €356k | €374k | €4.40M | ▲ 1,077% |
| Contributions10/11 | €6k | €6k | €5k | €5k | €5k | = |
| Reserves13 | €63k | €2k | €2k | €143k | €143k | = |
| Tax-exempt reserves132 | - | - | - | €141k | €141k | = |
| Distributable reserves133 | €63k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €38k | €324k | €350k | €226k | €4.25M | ▲ 1,779% |
| Provisions and deferred taxes16 | - | - | - | €47k | €47k | = |
| Deferred taxes168 | - | - | - | €47k | €47k | = |
| Amounts payable17/49 | €129k | €1.83M | €1.55M | €1.65M | €3.69M | ▲ 124% |
| Amounts payable after more than one year17 | - | €1.06M | €1.03M | €0 | - | - |
| Financial debts170/4 | - | €1.06M | €1.03M | €0 | - | - |
| Amounts payable within one year42/48 | €129k | €643k | €512k | €1.65M | €3.69M | ▲ 124% |
| Current portion of amounts payable after more than one year42 | - | €53k | €38k | €0 | - | - |
| Financial debts43 | - | €3k | €4k | €850 | €0 | ▼ 100% |
| Credit institutions430/8 | - | €3k | €4k | €850 | €0 | ▼ 100% |
| Trade debts44 | - | €6k | €30k | €31k | €60k | ▲ 97.8% |
| Suppliers440/4 | - | €6k | €30k | €31k | €60k | ▲ 97.8% |
| Taxes, remuneration and social security45 | €50k | €70k | €13k | €5k | €23k | ▲ 382% |
| Taxes450/3 | €44k | €61k | €13k | €4k | €22k | ▲ 503% |
| Remuneration and social security454/9 | €5k | €9k | €0 | €1k | €1k | = |
| Other amounts payable47/48 | €79k | €510k | €426k | €1.61M | €3.61M | ▲ 124% |
| Accrued charges and deferred income492/3 | - | €128k | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €61k | €217k | €105k | €18k | €4.03M | ▲ 22,606% |
| + Depreciation and write-downs630 | €229 | €105k | €41k | €8k | €2k | ▼ 70.4% |
| Operating cash flow (approximation) | €61k | €322k | €145k | €26k | €4.03M | ▲ 15,519% |
| Investment in fixed assets (approximation) | - | €-1.58M | €-152k | €428k | €-371k | ▼ 187% |
| Change in cash | - | €385k | €-608k | €3k | €159k | ▲ 4,548% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2019net €4.03M ▲22,606%
Net result €4.03M, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.79
Current ratio from 0.56 to 1.79.
31-12
Financial
Equity above €2MEq €4.40M ▲1,077%
6 profitable years in a row build equity to €4.40M.
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 66 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €332k ▲208%
3 profitable years in a row build equity to €332k.
05-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 127 days late
2021
31-12
Financial
Equity above €100kEq €108k ▲132%
2 profitable years in a row build equity to €108k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 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, Overijse · 1 establishment unit since 2019
Ground area
1,856 m²
Building footprint
173 m²
Volume, LiDAR
932 m³
Parcel 23062N0035/00Y015, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
CIAO
since 20192.286.123.516
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062N0035/00Y015 | Flanders | 1,856 m² | 1 · 173 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,250 EUR awarded · 2,250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,250 EUR | 2,250 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
699400NOKXJA1TG49M38
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 12,306 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-03-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Contact
Phone
000000000Overijse
Scores and ratios are computed by Checked and are not a credit decision.