Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 4 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
GARANCE MONSERRAT from Namur, company number BE0459006077, closed financial year 2025 with a result of € 1,749 after tax. For that financial year GARANCE MONSERRAT recorded a gross margin of € 36,525 and equity of € 154,490. Compared with financial year 2024, the result moved from € -3,698 to € 1,749. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 24, 2026.
€ 154,490
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1,749
▲ still € 3,698 loss in 2024
Profit after tax over the fiscal year.
€ 3,856
▼ 51% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 135,898.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 3,770
▼ 40% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1,038
Loans from banks and other lenders, long and short.
€ 34,070
▲ 30% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 45,302
▲ 253% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 15,971 | € -7,856 | € 17,755 | € 36,525 | ▲ 106% |
| Profit after taxes | € -4,211 | € -21,570 | € -3,698 | € 1,749 | ▲ € 5,447 |
| Equity | € 175,976 | € 156,439 | € 152,741 | € 154,490 | ▲ 1% |
| Total debts | € 73,961 | € 78,307 | € 54,549 | € 93,106 | ▲ 71% |
| Cash | € 480 | € 857 | € 7,847 | € 3,856 | ▼ 51% |
| Land & buildings | € 48,284 | € 252,865 | € 238,502 | € 224,139 | ▼ 6% |
| Retained profit | € 157,384 | € 137,847 | € 134,149 | € 135,898 | ▲ 1% |
| Bank debt | € 0 | € 1,110 | € 0 | € 1,038 | |
| Balance sheet total | € 328,608 | € 311,383 | € 282,373 | € 247,596 | ▼ 12% |
Key figures of GARANCE MONSERRAT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to GARANCE MONSERRAT?
What happened at GARANCE MONSERRAT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1,749. filed late Source: NBB ↗
- Françoise WILLAME became a director. NBB
- New establishment in Kraainem. KBO
- Start of the company according to the CBE. KBO
In short
From € 4,211 loss in 2022 to € 1,749 profit in 2025.
Paid € 90,561 in corporate taxes since 2022.
Best year ever: 2025, with € 1,749 profit.
A new publication or filing at GARANCE MONSERRAT? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind GARANCE MONSERRAT is Françoise WILLAME.
Directors
According to the 2025 annual accounts
Françoise WILLAME
Director
since 2006
Establishments
Establishment units
Physical locations of this company
Rue Rogier 52
5000 Namur
Potaardestraat 72
1950 Kraainem
Active since 21 February 1997
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0459.006.077
- VAT number
- BE 0459.006.077
- Registered office
- Rue Rogier 52, 5000 Namur
- Names & denominations
- GARANCE MONSERRAT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 October 1996
- Peppol
- Active · Active since 28 Jan 2026
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
Groothandel in wijnen en geestrijke dranken