PHILIPPE MONSEU
ActiveSummary
PHILIPPE MONSEU has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €10k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76=
Solvency58▼-28
Growth52=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 3.04 in 2024; short-term debt: 58.8% and cash: 25.5% of total assets), and 66.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
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
33.2%
Return on assets
6.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-05-2026, 81 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
81 d early
2024
21 d early
2023
34 d early
2022
5 d early
2021
17 d early
2020
54 d early
2019
3 d early
← 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
€54k▼ 52.3%
2024 · €114k
2018: €37k
2019: €53k
2020: €82k
2021: €98k
2022: €117k
2023: €118k
2024: €114k
2018 → 2025
Total assets
€164k▼ 12.4%
2024 · €187k
2018: €44k
2019: €64k
2020: €94k
2021: €117k
2022: €128k
2023: €137k
2024: €187k
2018 → 2025
Net result
€10k▼ 12.7%
2024 · €11k
2018: €24k
2019: €16k
2020: €29k
2021: €22k
2022: €19k
2023: €12k
2024: €11k
2018 → 2025
Working capital
€36k▼ 63.2%
2024 · €98k
2018: €29k
2019: €52k
2020: €80k
2021: €95k
2022: €112k
2023: €115k
2024: €98k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€117k▲ 19.6%€118k▲ 0.8%€114k▼ 3.5%€54k▼ 52.3%
Operating result€30k-€26k▼ 13.5%€16k▼ 38.3%€16k▼ 1.0%€14k▼ 10.0%
Net result€22k-€19k▼ 12.3%€12k▼ 35.5%€11k▼ 7.3%€10k▼ 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 has fallen four years in a row; 2025 is 10% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164k
Fixed assets
€31k ▼ 22.7%
Current assets
€132k ▼ 9.6%
Equity and liabilities €164k
Equity
€54k ▼ 52.3%
Debt
€109k ▲ 49.9%
Debt's share of the balance-sheet total rises from 39.1% to 66.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€24k▼
2024 · €26k
Cash flow
€20k▼
2024 · €22k
Current ratio
1.38▼
2024 · 3.04
Debt to equity
2.02▲
2024 · 0.64
ROE
18.4%▲
2024 · 10.1%
ROA
6.1%▼
2024 · 6.1%
Interest coverage
10.12▲
2024 · 8.96
Debt ≤ 1 year
€96k▲
2024 · €48k
Debt > 1 year
€13k▼
2024 · €25k
Income taxes
€5k▲
2024 · €5k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€187k€164k▼
Fixed assets21/28€40k€31k▼
Tangible fixed assets22/27€40k€31k▼
Furniture and vehicles24€40k€31k▼
Current assets29/58€146k€132k▼
Amounts receivable after more than one year29€28k€26k▼
Other amounts receivable291€28k€26k▼
Amounts receivable within one year40/41€81k€64k▼
Trade receivables40€40k€19k▼
Other amounts receivable41€41k€45k▲
Cash at bank and in hand54/58€37k€42k▲
Deferred charges and accrued income490/1€225€283▲
Equity and liabilities
Total equity and liabilities10/49€187k€164k▼
Equity10/15€114k€54k▼
Contributions10/11€19k€19k=
Reserves13€95k€36k▼
Distributable reserves133€95k€36k▼
Amounts payable17/49€73k€109k▲
Amounts payable after more than one year17€25k€13k▼
Financial debts170/4€25k€13k▼
Amounts payable within one year42/48€48k€96k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€11k€2k▼
Suppliers440/4€11k€2k▼
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€8k€10k▲
Other amounts payable47/48€16k€70k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€3k€751▼
Gross operating margin9900€30k€25k▼
Operating profit (loss)9901€16k€14k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€16k€15k▼
Income taxes67/77€5k€5k▲
Profit (loss) for the period9904€11k€10k▼
Profit (loss) for the period to be appropriated9905€11k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€10k▼
Transfer from equity791/2€16k€70k▲
Transfer to equity691/2€11k€10k▼
To other reserves6921€11k€10k▼
Profit to be distributed694/7€16k€70k▲
Return on contributions (dividend)694€16k€70k▲
The notes to these accounts (11 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €10k ▼12.7%
Net result drops to €10k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €117k ▲19.6%
5 profitable years in a row build equity to €117k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €29k ▲83.4%
Operating result €40k, net result €29k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
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
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, Ukkel · 1 establishment unit since 2009
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.
Ilya Prigoginelaan 191180 UkkelGround area
3,714 m²
Building footprint
996 m²
Volume, LiDAR
14,044 m³
Parcel 21616G0176/00W002, Brussels · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Ilya Prigoginelaan 19, 1180 Ukkel
since 20092.183.469.010
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0176/00W002 | Brussels | 3,714 m² | 1 · 996 m² | 17.8 m · 5 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
MELI-BOUWWERKEN
BE 0718.945.192
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CLICC
BE 0671.948.197
Kapellen · Eq €54,272
MTF CONSTRUCT
BE 0449.184.531
Sint-Pieters-Woluwe · Eq €54,270
YAVABUILD
BE 0785.772.848
Izegem · Eq €54,297
BOUWONDERNEMING PAUL VERVLOET
BE 0831.722.045
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,130 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
Founded29-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.