Debts
€87,913 ▲ 586%
Debts rose by €75,107 in 2024.
L & MOI
Lifetime
18 annual accounts with figures on one time axis, 20 filings since 2003peak €98,759 (2013)
€4,796
lowest -€13,048 (2009)
€4,796
peak €135,717 (2022)
€123,052▼ 9.3%
€87,913▲ 586%
peak 2 FTE (2013)
-not published
Documentsfilings and deeds
31-08-202531 days late
2024micro format
Debts from €12,806 to €87,913Cash from €998 to €413
Key points
from the 2024 annual accountsChecked score
38
Weak
Financially stronger than 42% of micro companies in wholesale trade (NACE 46)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
4.7% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.5%
01-2025: 1.5%● unchanged vs 12-2024
02-2025: 2.9%▲ +1.4 percentage points vs 01-2025
03-2025: 2.8%▼ -0.1 percentage points vs 02-2025
04-2025: 3.0%▲ +0.2 percentage points vs 03-2025
05-2025: 1.2%▼ -1.8 percentage points vs 04-2025
06-2025: 1.2%● unchanged vs 05-2025lowest value
07-2025: 1.6%▲ +0.4 percentage points vs 06-2025
08-2025: 2.2%▲ +0.6 percentage points vs 07-2025
09-2025: 2.1%▼ -0.1 percentage points vs 08-2025
10-2025: 2.1%● unchanged vs 09-2025
11-2025: 2.1%● unchanged vs 10-2025
12-2025: 2.1%● unchanged vs 11-2025
01-2026: 2.1%● unchanged vs 12-2025
02-2026: 2.1%● unchanged vs 01-2026
03-2026: 2.1%● unchanged vs 02-2026
04-2026: 2.0%▼ -0.1 percentage points vs 03-2026
05-2026: 2.0%● unchanged vs 04-2026
06-2026: 1.9%▼ -0.1 percentage points vs 05-2026
07-2026: 1.9%● unchanged vs 06-2026
08-2026: 3.1%▲ +1.2 percentage points vs 07-2026
09-2026: 3.4%▲ +0.3 percentage points vs 08-2026
10-2026: 4.7%▲ +1.3 percentage points vs 09-2026highest value
11-2026: 4.7%● unchanged vs 10-2026highest value
Financial strengthAverage
Score breakdown
raises risk
Figures for financial year 2024 (filed on 31-08-2025)
Liquidity: current ratio 5.26, cash €413, halved
Ex-officio strike-off in the KBO
lowers risk
Founded in 2002
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 65% of them on solvency, 43% on liquidity, 34% on profitability and 27% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as L & MOI has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of L & MOI itself is higher: 4.7% within 12 months. It rests on far more data about L & MOI than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for L & MOI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity is ample, with a current ratio of 5.26 (11.6 in 2023), above the usual 1.5. Short-term debt is 19% and cash 0.2% of total assets. 41.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 31 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
31 days late
2023
31 days late
2022
31 days late
2021
29 days late
2020
30 days late
2019
91 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 41 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 1 notice about the company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Recent changes
Address struck
KBO administration
Registered-office move
General meeting of 01-03-2023 · Gazette deed
First establishment
Incorporation
published on 27-04-2002 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| L & MOI | €210,965 | €4,796 | 58.3% | - |
| FLEURS CHANTAL Mouscron | €212,813 | €5,763 | 63.2% | - |
| GREEN 4 FLOWERS Bièvre | €145,320 | €10,358 | 72.3% | - |
| C.DECKERS Oudenaarde | €254,968 | €10,270 | 86.4% | 0 |
| VAN DEN BROECK Antwerp | €288,296 | €6,388 | 5.3% | - |
| DWP Lebbeke | €86,493 | €6,555 | 0.9% | - |
| LAMCO Wommelgem | €87,171 | €10,801 | 78.8% | - |
These companies have the same main activity as L & MOI: wholesale trade (NACE 46220). They are comparable in size and age: total assets between €86,500 and €288,000, founded between 1995 and 2011.
Official details
Source: KBO- Status
- Active since 15-04-2002Normal situation
- Legal form
- Private limited company (pre-2019)
- Activity
- Wholesale tradeNACE 46220and 1 other
- Establishment unit
- 2.114.116.780since 23-09-2002
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on L & MOI
L & MOI files the micro format. That format states no turnover. The gross margin fell from €36,259 in 2005 to €4,796 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about L & MOI
- What is the company number of L & MOI?
- The company number of L & MOI is 0477.336.604. The VAT number is the same number with BE in front: BE 0477.336.604.
- What does L & MOI do?
- According to the KBO register, the main activity is wholesale trade (NACE 46220).
- What is the legal form of L & MOI?
- L & MOI is a private limited company (pre-2019) (BVBA).
- When was L & MOI founded?
- L & MOI was founded on 15-04-2002.
- Is L & MOI still active?
- Yes, L & MOI is an active enterprise in the KBO register.Company details
- What is the turnover of L & MOI?
- The turnover in financial year 2024 is ≈ €60,000. This figure is estimated from the gross margin of €4,796 and 212 comparable companies (NACE 46). It probably lies between €29,000 and €150,000. It is a rough estimate.Financials
- Is L & MOI profitable?
- In financial year 2024, L & MOI made a profit of €4,796.
- Where can I find the annual accounts of L & MOI?
- L & MOI filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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