BIBI MODA
ActiveThe computed 12-month bankruptcy probability of BIBI MODA is 2.8% (moderate). The 2025 annual accounts show equity of €11k and a net result of €-1k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 22% of 11165 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency15=
Growth60=
Stability100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.05 against 1.04 in 2024), and 95.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
4.8%
Return on assets
-0.5%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 11165 sector peers (2025).
NBB · sector comparisonPosition among 11165 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
53 d late
2023
79 d late
2022
44 d late
2021
9 d late
2020
90 d late
2019
54 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€271k▲ 11.2%
2020 · €244k
2019: €216k
2020: €244k
2019 → 2021
EBIT margin
-2.5%▼ 5.2pp
2020 · 2.7%
2019: 2.3%
2020: 2.7%
2019 → 2021
Net result
€-1k▼ 6.1%
2024 · €-1k
2019: €5k
2020: €7k
2021: €-8k
2022: €-6k
2023: €-1k
2024: €-1k
2019 → 2025
Working capital
€10k▲ 15.1%
2024 · €9k
2019: €5k
2020: €10k
2021: €12k
2022: €-2k
2023: €5k
2024: €9k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€271k-
Equity€14k-€12k▼ 19.7%€13k▲ 13.2%€12k▼ 8.8%€11k▼ 10.2%
Operating result€-7k-€-5k▲ 18.8%€280€882▲ 216%€3k▲ 238%
Net result€-8k-€-6k▲ 26.2%€-1k▲ 74.7%€-1k▲ 22.5%€-1k▼ 6.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 238% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€742▼ 77.2%
Current assets
€221k▼ 10.9%
Equity and liabilities €222k
Equity
€11k▼ 10.2%
Debt
€211k▼ 11.8%
The debt ratio falls from 95.3% to 95.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€5k▼
2024 · €6k
Cash flow
€1k▼
2024 · €4k
Solvency
4.8%▲
2024 · 4.7%
Current ratio
1.05▲
2024 · 1.04
Quick ratio
0.23▲
2024 · 0.17
Debt / equity
19.80▼
2024 · 20.15
ROE
-11.4%▼
2024 · -9.6%
ROA
-0.5%▼
2024 · -0.5%
Interest coverage
6.25▼
2024 · 7.46
Debt
€211k▼
2024 · €240k
Debt ≤ 1 year
€211k▼
2024 · €240k
Income taxes
€3k▲
2024 · €1k
Staff costs
€2k
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€251k€222k▼
Fixed assets21/28€3k€742▼
Tangible fixed assets22/27€3k-
Furniture and vehicles24€3k-
Financial fixed assets28€742€742=
Current assets29/58€248k€221k▼
Stocks and contracts in progress3€207k€172k▼
Stocks30/36€207k€172k▼
Amounts receivable within one year40/41€26k€31k▲
Trade receivables40€18k€25k▲
Other amounts receivable41€8k€6k▼
Cash at bank and in hand54/58€15k€19k▲
Equity and liabilities
Total equity and liabilities10/49€251k€222k▼
Equity10/15€12k€11k▼
Contributions10/11€17k€17k=
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€-6k€-8k▼
Amounts payable17/49€240k€211k▼
Amounts payable within one year42/48€240k€211k▼
Trade debts44€90k€33k▼
Suppliers440/4€90k€33k▼
Advances received on contracts in progress46€113k€142k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€34k€35k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€886€573▼
Gross operating margin9900€7k€8k▲
Operating profit (loss)9901€882€3k▲
Financial income75/76B€2€1▼
Recurring financial income75€2€1▼
Financial charges65/66B€753€880▲
Recurring financial charges65€753€880▲
Profit (loss) for the period before taxes9903€131€2k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€-1k€-1k▼
Profit (loss) for the period to be appropriated9905€-1k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-8k▼
Profit (loss) brought forward from the previous period14P€-5k€-6k▼
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 53 days late
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 44 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Weakest financial yearnet €-8k ▼221%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Highest result since 2019net €7k ▲39.5%
Operating result €7k, net result €7k, both a record.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2022
Kara-Drik Mohammad
CurrentDirector · since 01-04-2022
01-04-2022
Kara-Drik Mohammad: Appointed as Director
01-04-2022
Shahine Mustafa: Resigned as Director
Location & real-estate footprint
Registered office, Sint-Agatha-Berchem · 1 establishment unit since 2019
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.
Groot-Bijgaardenstraat 141082 Sint-Agatha-BerchemGround area
1.0 ha
Building footprint
5,117 m²
Volume, LiDAR
2,049 m³
2 parcels, Brussels, Wallonia · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BIBI MODA
since 20192.301.824.648
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25111B0006/00H000 | Wallonia | 9,924 m² | 1 · 4,824 m² | - |
| 21342B0043/00F003 | Brussels | 290 m² | 1 · 293 m² | 10.6 m · 2 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
BlueTex
BE 0765.222.508
Geel · Eq €11k
LVR MENSWEAR AARTSELAAR
BE 0739.869.181
Aartselaar · Eq €11k
Beltex
BE 0400.542.494
Kraainem · Eq €11k
CHRIVERO
BE 0865.120.036
Zottegem · Eq €11k
DIAMONDS GROUP
BE 0562.902.480
Brussel · Eq €10k
Of 1,299 companies in sector 46423 we hold annual accounts for 807. 333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-02-2019
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
46424Wholesale trade
46425Wholesale trade
47519Retail trade
47792Retail sale of second-hand clothing
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.