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MOBEN'S

Active
Private limited companyfounded 20233 yrs activeRue Haut-des-Tawes 240, 4000 Liège, BelgiumKBO/BCE: BE 0805.848.284
Summary

The computed 12-month bankruptcy probability of MOBEN'S is 3.1% (moderate). The annual accounts of MOBEN'S for fiscal year 2025 show a net loss of 68% of the equity at the start of that year. The 2025 annual accounts show equity of €6,708 and a net result of -€14,426. Its solvency ranks better than 37% of 18606 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-74
Solvency44▼-56
Growth32
Track record94
Bankruptcy probability, 12 months
3.1% Moderate
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 4.29 in 2024; short-term debt: 81.4% and cash: 10.7% of total assets), and 81.4% of the assets are financed with debt.
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Signals

Five 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
18.6%
Return on assets
-40%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
2 d early
2024
7 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 5 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

MOBEN'S was incorporated on 14 September 2023 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€6,708▼ 68.3%
2024 · €21,134
Total assets
€36,075▲ 37.4%
2024 · €26,253
Net result
-€14,426
2024 · €1,134
Working capital
€255▼ 98.5%
2024 · €16,861
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€1,496--€14,330
Net result€1,134within the sector's middle half--€14,426below the sector's middle half
Equity€21,134within the sector's middle half-€6,708within the sector's middle half▼ 68.3%
Total assets€26,253below the sector's middle half-€36,075below the sector's middle half▲ 37.4%
Debt€5,119-€29,367▲ 474%
Working capital€16,861within the sector's middle half-€255within the sector's middle half▼ 98.5%
Solvency80.5%above the sector's middle half-18.6%within the sector's middle half▼ 61.9pp
Current ratio4.29above the sector's middle half-1.01within the sector's middle half▼ 3.28
Return on assets (ROA)4.3%within the sector's middle half--40.0%below the sector's middle half▼ 44.3pp
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€15,000-€10,000-€5,000€0Operating result 2024: €1,496€1,496Net result 2024: €1,134€1,134Operating result 2025: -€14,330-€14,330Net result 2025: -€14,426-€14,42620242025-€15,000-€10,000-€5,000€0Operating result 2024: €1,496€1,500Net result 2024: €1,134€1,130Operating result 2025: -€14,330-€14,300Net result 2025: -€14,426-€14,40020242025
The operating result turns negative in 2025: a loss of €14,330 after €1,496 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35,262
Fixed assets €5,639 ▲ 78.3%
Current assets €29,623 ▲ 34.8%
Equity and liabilities €36,075
Equity €6,708 ▼ 68.3%
Debt €29,367 ▲ 474%
Debt's share of the balance-sheet total rises from 19.5% to 81.4%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€12,510▼
2024 · €2,628
Cash flow
-€12,606▼
2024 · €2,266
Quick ratio
0.13▼
2024 · 0.77
Debt to equity
4.38▲
2024 · 0.24
ROE
-215.1%▼
2024 · 5.4%
Interest coverage
-130.21▼
2024 · 22.75
Debt ≤ 1 year
€29,367▲
2024 · €5,119
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,206 companies that looked in July 2024 the way this one looks now, 4.2% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a loss of 10% of the balance sheet or more
4.2% went bankrupt
4.1% stopped otherwise
90% still going

A further 1.6% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,206 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€26,253€36,075▲
Formation expenses20€1,109€813▼
Fixed assets21/28€3,163€5,639▲
Tangible fixed assets22/27€3,163€5,639▲
Furniture and vehicles24€3,163€5,639▲
Current assets29/58€21,980€29,623▲
Stocks and contracts in progress3€18,042€25,757▲
Stocks30/36€18,042€25,757▲
Amounts receivable within one year40/41€431-
Trade receivables40€431-
Cash at bank and in hand54/58€3,507€3,865▲
Equity and liabilities
Total equity and liabilities10/49€26,253€36,075▲
Equity10/15€21,134€6,708▼
Contributions10/11€20,000€20,000=
Reserves13€1,134€1,134=
Distributable reserves133€1,134€1,134=
Profit (loss) carried forward14--€14,426
Amounts payable17/49€5,119€29,367▲
Amounts payable within one year42/48€5,119€29,367▲
Trade debts44€774-
Suppliers440/4€774-
Advances received on contracts in progress46€457-
Taxes, remuneration and social security45€2,037€2,831▲
Taxes450/3€2,037€2,831▲
Other amounts payable47/48€1,851€26,537▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,132€1,820▲
Other operating charges640/8-€201
Gross operating margin9900€2,628-€12,309▼
Operating profit (loss)9901€1,496-€14,330▼
Financial income75/76B€178-
Recurring financial income75€178-
Financial charges65/66B€116€96▼
Recurring financial charges65€116€96▼
Profit (loss) for the period before taxes9903€1,559-€14,426▼
Income taxes67/77€425-
Profit (loss) for the period9904€1,134-€14,426▼
Profit (loss) for the period to be appropriated9905€1,134-€14,426▼
Appropriation of the result
Profit (loss) to be appropriated9906€1,134-€14,426▼
Transfer to equity691/2€1,134-
To other reserves6921€1,134-

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,132€1,820▲ 60.8%
Other operating charges640/8-€201-
Gross operating margin9900€2,628-€12,309▼ 568%
Operating profit (loss)9901€1,496-€14,330▼ 1,058%
Financial income75/76B€178--
Recurring financial income75€178--
Financial charges65/66B€116€96▼ 16.8%
Recurring financial charges65€116€96▼ 16.8%
Profit (loss) for the period before taxes9903€1,559-€14,426▼ 1,025%
Income taxes67/77€425--
Profit (loss) for the period9904€1,134-€14,426▼ 1,372%
Profit (loss) for the period to be appropriated9905€1,134-€14,426▼ 1,372%
Line20242025Change
Assets
Total assets20/58€26,253€36,075▲ 37.4%
Formation expenses20€1,109€813▼ 26.7%
Fixed assets21/28€3,163€5,639▲ 78.3%
Tangible fixed assets22/27€3,163€5,639▲ 78.3%
Furniture and vehicles24€3,163€5,639▲ 78.3%
Current assets29/58€21,980€29,623▲ 34.8%
Stocks and contracts in progress3€18,042€25,757▲ 42.8%
Stocks30/36€18,042€25,757▲ 42.8%
Amounts receivable within one year40/41€431--
Trade receivables40€431--
Cash at bank and in hand54/58€3,507€3,865▲ 10.2%
Equity and liabilities
Total equity and liabilities10/49€26,253€36,075▲ 37.4%
Equity10/15€21,134€6,708▼ 68.3%
Contributions10/11€20,000€20,000=
Reserves13€1,134€1,134=
Distributable reserves133€1,134€1,134=
Profit (loss) carried forward14--€14,426-
Amounts payable17/49€5,119€29,367▲ 474%
Amounts payable within one year42/48€5,119€29,367▲ 474%
Trade debts44€774--
Suppliers440/4€774--
Advances received on contracts in progress46€457--
Taxes, remuneration and social security45€2,037€2,831▲ 39.0%
Taxes450/3€2,037€2,831▲ 39.0%
Other amounts payable47/48€1,851€26,537▲ 1,333%
Line20242025Change
Profit (loss) for the period9904€1,134-€14,426▼ 1,372%
+ Depreciation and write-downs630€1,132€1,820▲ 60.8%
Operating cash flow (approximation)€2,266-€12,606▼ 656%
Investment in fixed assets (approximation)--€4,296-
Change in cash-€358-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Liège · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
703 m²
Building footprint
101 m²
Volume, LiDAR
623 m³
Parcel 62812A0255/00X002, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MOBEN'S
Rue Haut-des-Tawes 240, 4000 LiègeNACE 45113
since 20232.349.981.980
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62812A0255/00X002 Wallonia 703 m² 1 · 101 m² 7.4 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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

Of 10,664 companies in sector 47811 we hold annual accounts for 5,226. 1,780 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded14-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46180Agents specialised in the wholesale of other particular products
77229Renting and leasing of other personal and household goods
81210General cleaning of buildings
E-invoicing
Reachable via Peppol
Peppol ID 0208:0805848284
Also 9925:BE0805848284
Registered 16-02-2026

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.