Checked.be
Active
BE 0464.458.863Private limited company
MONTEYNE R J
Van Arteveldestraat 10 ·8830 Hooglede, Belgium· 27 yrs active
Sector: Painting of buildings
(43341)
Conclusion
MONTEYNE R J has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €367k and a net result of €13k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 72% of 26547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €367k |
| Net result | €13k |
| Better than sector | 72% |
| Active | 27 yrs |
Financial profile
67
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
83
Profitability
18
Solvency
100
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1998, 27 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
83
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€30k
estimate, not credit advice
Score history
86
2021
83
2022
94
2023
83
2024
83
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 2.25 (≥ 1.5)
+10
Quick ratio
Quick ratio 2.23 (≥ 1.0)
+5
Leverage
Debt/equity 0.49 (< 1.0)
+10
Profitability
ROE 4%
+3
Interest coverage
Interest coverage 3.1× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 16-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±0.7%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 67.3% | 47.4% | |
| Net result | €13k | €10k | |
| Equity | €367k | €60k | |
| Gross operating margin | €32k | €39k | |
| Total assets | €545k | €141k |
€30k
-3.7%
21-25
€13k
-10.6%
21-25
€19k
-8.1%
21-25
€545k
+1.6%
21-25
€367k
-2.2%
21-25
€202k
+0.2%
21-25
€5k
-15.7%
21-25
€21k
+23.4%
21-25
€178k
+10.5%
21-25
€162k
+9.9%
21-25
€7k
-51.9%
21-25
2.25
-5.1%
21-25
2.23
-5.0%
21-25
67.3%
-3.8%
21-25
0.49
+13.0%
21-25
3.5%
-8.6%
21-25
2.4%
-12.0%
21-25
3.06
-6.3%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €30k | €32k | €37k | €37k | €49k |
| Net profit | €13k | €14k | €17k | €16k | €25k |
| Cash flow | €19k | €21k | €24k | €27k | €36k |
| Staff costs | - | - | - | - | - |
| Income taxes | €5k | €6k | €7k | €6k | €8k |
| Dividends | €21k | €17k | - | €38k | - |
| Total assets | €545k | €537k | €525k | €528k | €530k |
| Equity | €367k | €375k | €378k | €361k | €383k |
| Debt | €178k | €161k | €147k | €167k | €146k |
| of which ≤ 1y | €162k | €147k | €125k | €138k | €111k |
| of which > 1y | €7k | €14k | €21k | €28k | €36k |
| Working capital | €202k | €202k | €205k | €188k | €213k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 2.25 | 2.37 | 2.64 | 2.36 | 2.92 |
| Quick ratio | 2.23 | 2.34 | 2.60 | 2.34 | 2.87 |
| Working capital ratio | 37.1% | 37.6% | 39.1% | 35.6% | 40.3% |
| Solvency | 67.3% | 70.0% | 72.0% | 68.4% | 72.4% |
| Debt / equity | 0.49 | 0.43 | 0.39 | 0.46 | 0.38 |
| Long-term debt ratio | 0.02 | 0.04 | 0.06 | 0.08 | 0.09 |
| Interest coverage | 3.06 | 3.27 | 6.35 | 8.65 | 8.39 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 2.4% | 2.7% | 3.2% | 3.0% | 4.7% |
| ROE | 3.5% | 3.8% | 4.5% | 4.3% | 6.5% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €545k | €537k | €525k | €528k | €530k |
| Fixed assets | 21/28 | €181k | €188k | €194k | €202k | €206k |
| Tangible fixed assets | 22/27 | €181k | €188k | €194k | €202k | €206k |
| Current assets | 29/58 | €364k | €349k | €331k | €326k | €324k |
| Stocks & contracts in progress | 3 | €4k | €5k | €4k | €3k | €6k |
| Amounts receivable within one year | 40/41 | €5k | €8k | €1k | €10k | €3k |
| Investments | 50/53 | €300k | €250k | €250k | €100k | €100k |
| Cash & bank | 54/58 | €53k | €85k | €74k | €211k | €214k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €545k | €537k | €525k | €528k | €530k |
| Equity | 10/15 | €367k | €375k | €378k | €361k | €383k |
| Contributions / capital | 10/11 | €6k | €6k | €6k | €6k | €6k |
| Reserves | 13 | €361k | €369k | €372k | €355k | €377k |
| Accumulated profits (losses) | 14 | €161 | €161 | €161 | €161 | €161 |
| Amounts payable | 17/49 | €178k | €161k | €147k | €167k | €146k |
| Amounts payable after one year | 17 | €7k | €14k | €21k | €28k | €36k |
| Amounts payable within one year | 42/48 | €162k | €147k | €125k | €138k | €111k |
| Trade debts payable within one year | 44 | €3k | €4k | €2k | €3k | €5k |
| Income statement | ||||||
| Gross operating margin | 9900 | €32k | €33k | €38k | €38k | €50k |
| Operating result | 9901 | €24k | €25k | €30k | €26k | €39k |
| Financial income | 75 | €4k | €5k | €13 | €0 | €46 |
| Financial charges | 65 | €10k | €10k | €6k | €4k | €6k |
| Result before taxes | 9903 | €18k | €20k | €24k | €22k | €33k |
| Income taxes | 67/77 | €5k | €6k | €7k | €6k | €8k |
| Net result for the period | 9904 | €13k | €14k | €17k | €16k | €25k |
| Result to be appropriated | 9905 | €13k | €14k | €17k | €16k | €38k |
Legal Structure
| NACE primary | Painting of buildings(43341) |
| Legal form | Private limited company(610) |
| Incorporation | 09-11-1998 |
| Status | Active |
| Postal code | 8830 |
Establishment units
MONTEYNE RJ
since 19982.089.634.673
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36006C0541/00S000 | Flanders | 303 m² | 1 · 107 m² | 8.1 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €13k ▼10.6%
Net result drops to €13k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Painting of buildings4334145441Wallpapering and laying of floor and wall coverings in other materials4333345433
Names & trade names
| Legal nameNL | MONTEYNE R J |
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