STUDIO MONSO
ActiveSTUDIO MONSO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €108k and a net result of €-35k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 3478 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-97
Solvency63▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 5.07 against 5.0 in 2024; short-term debt: 18.3% and cash: 13.5% of total assets), but 61.8% of the assets are financed with debt.
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 74
Relative position
BE, all sectors
reference
Sector 74
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
38.2%
Return on assets
-12.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
1 d early
2023
on the day
2022
1 d early
2021
5 d early
2020
3 d early
2019
51 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€108k▼ 24.2%
2024 · €143k
2019: €14k
2020: €-86k
2021: €-87k
2022: €-56k
2023: €-98k
2024: €143k
2019 → 2025
Total assets
€284k▼ 22.7%
2024 · €367k
2019: €469k
2020: €331k
2021: €326k
2022: €283k
2023: €293k
2024: €367k
2019 → 2025
Net result
€-35k
2024 · €241k
2019: €-73k
2020: €-100k
2021: €-240
2022: €30k
2023: €-42k
2024: €241k
2019 → 2025
Working capital
€211k▼ 22.0%
2024 · €270k
2019: €-5k
2020: €-150k
2021: €-147k
2022: €-108k
2023: €-143k
2024: €270k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-87k-€-56k▲ 35.1%€-98k▼ 74.3%€143k€108k▼ 24.2%
Operating result€16k-€48k▲ 205%€-21k€279k€-26k
Net result€-240-€30k€-42k€241k€-35k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26k after €279k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets
€21k▼ 28.6%
Current assets
€263k▼ 22.2%
Equity and liabilities €284k
Equity
€108k▼ 24.2%
Debt
€175k▼ 21.7%
The debt ratio rises from 61.0% to 61.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-15k▼
2024 · €290k
Cash flow
€-24k▼
2024 · €252k
Solvency
38.2%▼
2024 · 39.0%
Current ratio
5.07▲
2024 · 5.00
Quick ratio
3.86▲
2024 · 3.39
Debt / equity
1.62▲
2024 · 1.56
ROE
-32.0%▼
2024 · 168.6%
ROA
-12.2%▼
2024 · 65.7%
Interest coverage
-0.87▼
2024 · 9.39
Debt
€175k▼
2024 · €224k
Debt ≤ 1 year
€52k▼
2024 · €68k
Debt > 1 year
€123k▼
2024 · €156k
Income taxes
€287▼
2024 · €14k
Staff costs
€15k▼
2024 · €16k
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€367k€284k▼
Fixed assets21/28€29k€21k▼
Tangible fixed assets22/27€29k€21k▼
Land and buildings22€21k€18k▼
Plant, machinery and equipment23€264€0▼
Furniture and vehicles24€8k€3k▼
Current assets29/58€338k€263k▼
Stocks and contracts in progress3€109k€63k▼
Stocks30/36€109k€63k▼
Amounts receivable within one year40/41€185k€159k▼
Trade receivables40€7k€3k▼
Other amounts receivable41€178k€156k▼
Cash at bank and in hand54/58€41k€38k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€367k€284k▼
Equity10/15€143k€108k▼
Contributions10/11€19k€19k=
Reserves13€198k€198k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€196k€198k▲
Profit (loss) carried forward14€-74k€-108k▼
Amounts payable17/49€224k€175k▼
Amounts payable after more than one year17€156k€123k▼
Financial debts170/4€156k€123k▼
Amounts payable within one year42/48€68k€52k▼
Current portion of amounts payable after more than one year42€30k€33k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€22k€9k▼
Suppliers440/4€22k€9k▼
Taxes, remuneration and social security45€16k€10k▼
Taxes450/3€15k€4k▼
Remuneration and social security454/9€347€6k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0€113▲
Income statement
Code20242025
Non-recurring operating income76A€182k€0▼
Remuneration, social security and pensions62€16k€15k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€8k€4k▼
Gross operating margin9900€314k€3k▼
Operating profit (loss)9901€279k€-26k▼
Financial income75/76B€7k€9k▲
Recurring financial income75€7k€9k▲
Financial charges65/66B€31k€17k▼
Recurring financial charges65€31k€17k▼
Profit (loss) for the period before taxes9903€256k€-34k▼
Income taxes67/77€14k€287▼
Profit (loss) for the period9904€241k€-35k▼
Profit (loss) for the period to be appropriated9905€241k€-35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-74k€-108k▼
Profit (loss) brought forward from the previous period14P€-315k€-74k▲
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
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €241k
Net result €241k after one loss-making year.
30-06
Financial
Liquidity times 8current ratio 5.00
Current ratio from 0.62 to 5.00; short-term debt falls from €378k to €68k.
30-06
Financial
Equity above €100kEq €143k
Equity rises from €-98k to €143k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Back to profitnet €30k
Net result €30k after 3 loss-making years.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €-100k
Net result drops to €-100k, the lowest in the series; recovery starts the following year.
2019
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
18-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Maasmechelen · 1 establishment unit since 1999
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.
Uikhoverstraat(U) 1513631 MaasmechelenGround area
2,437 m²
Building footprint
597 m²
Volume, LiDAR
5,510 m³
2 parcels, Flanders · tallest building 16.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Studio MonSo bv
since 19992.091.487.967
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73084A0794/00L000 | Flanders | 1,233 m² | 1 · 156 m² | 9.6 m · 2 fl. |
| 73013D1539/00A000 | Flanders | 1,203 m² | 1 · 441 m² | 16.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
MOVE.COM
BE 0821.964.241
Court-Saint-Etienne · Eq €108k
AKABE
BE 0467.241.080
Knokke-Heist · Eq €106k
BATI ERGO
BE 0839.770.471
Evere · Eq €106k
ELIOL INTERIOR DESIGN
BE 0838.987.246
Court-Saint-Etienne · Eq €111k
INSTITUT SUPERIEUR DE PEINTURE VAN DER KELEN - LOGELAIN
BE 0829.335.845
Sint-Gillis (bij-Brussel) · Eq €113k
Of 1,451 companies in sector 74130 we hold annual accounts for 341. 273 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-1999
Fiscal year end30-06
Activities, NACEBEL
47713Retail trade
52424
74130Interior design
47551Retail sale of household furniture
47554Retail trade
47591Retail trade
52441
52493
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.