MO & SA
ActiveThe computed 12-month bankruptcy probability of MO & SA is 5.1% (elevated). The annual accounts of MO & SA for fiscal year 2024 show a net loss of 66% of the equity at the start of that year. The 2024 annual accounts show equity of €225 and a net result of €-435. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 26049 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
32
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▼-24
Solvency26▼-3
Growth58=
Track record94
Bankruptcy probability, 12 months
5.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.01 against 1.05 in 2023; short-term debt: 98.7% and cash: 26.7% of total assets), and 98.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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 2024Solvency, return and age of the figures
Solvency
1.3%
Return on assets
-2.6%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 26049 sector peers (2024).
NBB · sector comparisonPosition among 26049 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
14 d early
2022
22 d late
2021
26 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€225▼ 66.0%
2023 · €660
2021: €3k
2022: €-398
2023: €660
2021 → 2024
Total assets
€17k▲ 13.1%
2023 · €15k
2021: €10k
2022: €12k
2023: €15k
2021 → 2024
Net result
€-435
2023 · €1k
2021: €-2k
2022: €-3k
2023: €1k
2021 → 2024
Working capital
€225▼ 66.0%
2023 · €660
2021: €3k
2022: €-398
2023: €660
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€3k-€-398€660€225▼ 66.0%
Operating result€-2k-€-3k▼ 22.8%€1k€-346
Net result€-2k-€-3k▼ 24.2%€1k€-435
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €346 after €1k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €17k
Equity
€225▼ 66.0%
Debt
€17k▲ 16.7%
The debt ratio rises from 95.6% to 98.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
1.3%▼
2023 · 4.4%
Current ratio
1.01▼
2023 · 1.05
Quick ratio
0.28▲
2023 · 0.13
ROA
-2.6%▼
2023 · 7.1%
Debt
€17k▲
2023 · €14k
Debt ≤ 1 year
€17k▲
2023 · €14k
Equity ratios withheld: equity of €225 is too small for a meaningful ratio.
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€15k€17k▲
Current assets29/58€15k€17k▲
Stocks and contracts in progress3€13k€12k▼
Stocks30/36€13k€12k▼
Amounts receivable within one year40/41€169€115▼
Other amounts receivable41€169€115▼
Cash at bank and in hand54/58€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€15k€17k▲
Equity10/15€660€225▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-4k€-5k▼
Amounts payable17/49€14k€17k▲
Amounts payable within one year42/48€14k€17k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€2k€3k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€10k€11k▲
Income statement
Code20232024
Gross operating margin9900€1k€-346▼
Operating profit (loss)9901€1k€-346▼
Financial charges65/66B€46€89▲
Recurring financial charges65€46€89▲
Profit (loss) for the period before taxes9903€1k€-435▼
Profit (loss) for the period9904€1k€-435▼
Profit (loss) for the period to be appropriated9905€1k€-435▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-5k▼
Profit (loss) brought forward from the previous period14P€-5k€-4k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2021
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.
Joseph Claesstraat 601060 Sint-Gillis (bij-Brussel)Ground area
68 m²
Building footprint
68 m²
Volume, LiDAR
841 m³
Parcel 21562A0342/00L011, Brussels · tallest building 16.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MO & SA
since 20212.314.342.992
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0342/00L011 | Brussels | 68 m² | 1 · 68 m² | 16.3 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Gillis2.314.342.992
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LINO
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Of 10,527 companies in sector 47110 we hold annual accounts for 5,861. 199 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2021
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.