MOBIC
ActiveSummary
The annual accounts of MOBIC for fiscal year 2025 show a net loss of 50% of total assets. The 2025 annual accounts show equity of €542,182 and a net result of -€363,832. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 86% of 4238 sector peers (fiscal year 2025). The company has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-78
Solvency100▲+7
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days 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 ample (current ratio 3.29 against 2.92 in 2024; short-term debt: 24.2% and cash: 27.5% of total assets), and 24.9% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 10 filingsDeviation from the deadline
2025
5 d late
2024
22 d late
2023
61 d late
2022
70 d late
2021
58 d late
2020
17 d late
2019
28 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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. Usually files around 27 September (4 of the last 5 filed years within 36 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#1 oldest company in Lummen, Wholesale and retail trade sector
Turnover
€728,486
EBIT margin
8.4%
Net result
-€363,832
2024 · €96,910
Working capital
€400,133▼ 48.6%
2024 · €778,121
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€728,486
Operating result€97,776▲ 1,446%€38,913▼ 60.2%€61,249▲ 57.4%€142,532▲ 133%-€355,688
Net result€68,329within the sector's middle half▲ 2,143%€26,421within the sector's middle half▼ 61.3%€40,903within the sector's middle half▲ 54.8%€96,910within the sector's middle half▲ 137%-€363,832below the sector's middle half
EBIT margin8.4%
Equity€741,779above the sector's middle half▲ 10.1%€768,200above the sector's middle half▲ 3.6%€809,104above the sector's middle half▲ 5.3%€906,014above the sector's middle half▲ 12.0%€542,182within the sector's middle half▼ 40.2%
Total assets€827,435within the sector's middle half▲ 10.0%€985,961within the sector's middle half▲ 19.2%€1.1mwithin the sector's middle half▲ 8.4%€1.3mwithin the sector's middle half▲ 24.3%€721,541within the sector's middle half▼ 45.7%
Debt€85,656▲ 9.1%€217,761▲ 154%€259,767▲ 19.3%€422,304▲ 62.6%€179,359▼ 57.5%
Working capital€649,685above the sector's middle half▲ 13.3%€667,834above the sector's middle half▲ 2.8%€704,484above the sector's middle half▲ 5.5%€778,121above the sector's middle half▲ 10.5%€400,133within the sector's middle half▼ 48.6%
Solvency89.6%above the sector's middle half▲ 0.1pp77.9%above the sector's middle half▼ 11.7pp75.7%above the sector's middle half▼ 2.2pp68.2%above the sector's middle half▼ 7.5pp75.1%above the sector's middle half▲ 6.9pp
Current ratio8.58above the sector's middle half▲ 0.284.69above the sector's middle half▼ 3.904.02above the sector's middle half▼ 0.672.92above the sector's middle half▼ 1.103.29above the sector's middle half▲ 0.37
Return on assets (ROA)8.3%within the sector's middle half▲ 7.9pp2.7%within the sector's middle half▼ 5.6pp3.8%within the sector's middle half▲ 1.1pp7.3%within the sector's middle half▲ 3.5pp-50.4%below the sector's middle half▼ 57.7pp
Staff (FTE)2.2within the sector's middle half=2.1within the sector's middle half▼ 4.5%2.2within the sector's middle half▲ 4.8%2.4within the sector's middle half▲ 9.1%3.1within the sector's middle half▲ 29.2%
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.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €355,688 after €142,532 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €721,541
Fixed assets
€146,945 ▲ 1.4%
Current assets
€574,596 ▼ 51.4%
Equity and liabilities €721,541
Equity
€542,182 ▼ 40.2%
Debt
€179,359 ▼ 57.5%
Debt's share of the balance-sheet total falls from 31.8% to 24.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€342,298▼
2024 · €154,105
Cash flow
-€350,442▼
2024 · €108,483
Quick ratio
1.65▼
2024 · 2.25
Debt to equity
0.33▼
2024 · 0.47
ROE
-67.1%▼
2024 · 10.7%
Interest coverage
-32.59▼
2024 · 97.73
Debt ≤ 1 year
€174,463▼
2024 · €405,221
Debt > 1 year
€4,896▼
2024 · €14,485
Income taxes
€0▼
2024 · €45,192
Staff costs
€274,621▲
2024 · €161,649
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.7%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 5,834 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €728,486 | - | - | - |
| Non-recurring operating income76A | €351 | €83 | - | €106,283 | €7,550 | ▼ 92.9% |
| Goods, raw materials, services and sundry goods60/61 | - | - | €516,158 | - | - | - |
| Remuneration, social security and pensions62 | €125,767 | €127,656 | €130,617 | €161,649 | €274,621 | ▲ 69.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,685 | €8,456 | €11,041 | €11,573 | €13,390 | ▲ 15.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | -€1,769 | - |
| Other operating charges640/8 | €11,831 | €14,185 | €14,232 | €15,589 | €14,371 | ▼ 7.8% |
| Non-recurring operating charges66A | - | - | €43 | €0 | €215,203 | - |
| Gross operating margin9900 | €243,059 | €189,210 | €217,182 | €331,342 | €160,126 | ▼ 51.7% |
| Operating profit (loss)9901 | €97,776 | €38,913 | €61,249 | €142,532 | -€355,688 | ▼ 350% |
| Financial income75/76B | €109 | €52 | €416 | €1,148 | €2,358 | ▲ 105% |
| Recurring financial income75 | €109 | €52 | €416 | €1,148 | €2,358 | ▲ 105% |
| Financial charges65/66B | €226 | - | €2,192 | €1,577 | €10,502 | ▲ 566% |
| Recurring financial charges65 | €226 | - | €2,192 | €1,577 | €10,502 | ▲ 566% |
| Profit (loss) for the period before taxes9903 | €97,659 | €38,965 | €59,473 | €142,103 | -€363,832 | ▼ 356% |
| Income taxes67/77 | €29,330 | €12,543 | €18,571 | €45,192 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €68,329 | €26,421 | €40,903 | €96,910 | -€363,832 | ▼ 475% |
| Profit (loss) for the period to be appropriated9905 | €68,329 | €26,421 | €40,903 | €96,910 | -€363,832 | ▼ 475% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €827,435 | €985,961 | €1.1m | €1.3m | €721,541 | ▼ 45.7% |
| Fixed assets21/28 | €92,093 | €136,940 | €131,104 | €144,975 | €146,945 | ▲ 1.4% |
| Intangible fixed assets21 | - | - | - | - | €4,523 | - |
| Tangible fixed assets22/27 | €90,981 | €135,828 | €129,991 | €143,863 | €141,310 | ▼ 1.8% |
| Land and buildings22 | €76,708 | €120,120 | €114,764 | €130,717 | €131,149 | ▲ 0.3% |
| Plant, machinery and equipment23 | €13,431 | €15,287 | €15,227 | €10,679 | €7,359 | ▼ 31.1% |
| Furniture and vehicles24 | €842 | €421 | €0 | €2,468 | €2,802 | ▲ 13.5% |
| Financial fixed assets28 | €1,112 | €1,112 | €1,112 | €1,112 | €1,112 | = |
| Current assets29/58 | €735,341 | €849,021 | €937,767 | €1.2m | €574,596 | ▼ 51.4% |
| Stocks and contracts in progress3 | €214,457 | €286,261 | €271,302 | €272,629 | €286,634 | ▲ 5.1% |
| Stocks30/36 | €214,457 | €286,261 | €271,302 | €272,629 | €286,634 | ▲ 5.1% |
| Amounts receivable within one year40/41 | €182,503 | €298,230 | €359,973 | €826,583 | €89,401 | ▼ 89.2% |
| Trade receivables40 | €179,755 | €295,482 | €349,127 | €786,238 | €54,045 | ▼ 93.1% |
| Other amounts receivable41 | €2,748 | €2,748 | €10,845 | €40,345 | €35,356 | ▼ 12.4% |
| Cash at bank and in hand54/58 | €335,302 | €261,931 | €305,037 | €83,691 | €198,561 | ▲ 137% |
| Deferred charges and accrued income490/1 | €3,079 | €2,598 | €1,455 | €439 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €827,435 | €985,961 | €1.1m | €1.3m | €721,541 | ▼ 45.7% |
| Equity10/15 | €741,779 | €768,200 | €809,104 | €906,014 | €542,182 | ▼ 40.2% |
| Contributions10/11 | €309,867 | €309,867 | €309,867 | €309,867 | €309,867 | = |
| Capital10 | €309,867 | €309,867 | €309,867 | €309,867 | €309,867 | = |
| Issued capital100 | €309,867 | €309,867 | €309,867 | €309,867 | €309,867 | = |
| Reserves13 | €431,912 | €458,333 | €499,237 | €596,147 | €389,600 | ▼ 34.6% |
| Non-distributable reserves130/1 | €61,344 | €61,344 | €61,344 | €61,344 | €61,344 | = |
| Legal reserve130 | €61,344 | €61,344 | €61,344 | €61,344 | €61,344 | = |
| Tax-exempt reserves132 | €14,472 | €14,472 | €14,472 | €14,472 | €14,472 | = |
| Distributable reserves133 | €356,096 | €382,517 | €423,421 | €520,331 | €313,784 | ▼ 39.7% |
| Profit (loss) carried forward14 | - | - | - | - | -€157,285 | - |
| Amounts payable17/49 | €85,656 | €217,761 | €259,767 | €422,304 | €179,359 | ▼ 57.5% |
| Amounts payable after more than one year17 | - | €36,574 | €23,808 | €14,485 | €4,896 | ▼ 66.2% |
| Financial debts170/4 | - | €36,574 | €23,808 | €14,485 | €4,896 | ▼ 66.2% |
| Amounts payable within one year42/48 | €85,656 | €181,186 | €233,283 | €405,221 | €174,463 | ▼ 56.9% |
| Current portion of amounts payable after more than one year42 | - | €8,711 | €9,808 | €9,323 | €9,589 | ▲ 2.9% |
| Trade debts44 | €6,973 | €91,888 | €162,882 | €271,466 | €54,078 | ▼ 80.1% |
| Suppliers440/4 | €6,973 | €91,888 | €162,882 | €271,466 | €54,078 | ▼ 80.1% |
| Taxes, remuneration and social security45 | €75,975 | €77,864 | €60,432 | €124,433 | €90,797 | ▼ 27.0% |
| Taxes450/3 | €60,543 | €68,879 | €41,968 | €92,415 | €48,017 | ▼ 48.0% |
| Remuneration and social security454/9 | €15,432 | €8,985 | €18,463 | €32,018 | €42,780 | ▲ 33.6% |
| Other amounts payable47/48 | €2,709 | €2,723 | €161 | €0 | €20,000 | - |
| Accrued charges and deferred income492/3 | - | - | €2,677 | €2,598 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €68,329 | €26,421 | €40,903 | €96,910 | -€363,832 | ▼ 475% |
| + Depreciation and write-downs630 | €7,685 | €8,456 | €11,041 | €11,573 | €13,390 | ▲ 15.7% |
| Operating cash flow (approximation) | €76,014 | €34,877 | €51,944 | €108,483 | -€350,442 | ▼ 423% |
| Investment in fixed assets (approximation) | - | -€53,303 | -€5,205 | -€25,445 | -€15,360 | ▲ 39.6% |
| Change in cash | - | -€73,371 | €43,106 | -€221,347 | €114,870 | ▲ 152% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 5 days late
2025
31-12
Financial
Weakest financial yearnet -€363,832
Net result drops to -€363,832, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
31-12
Financial
Highest result since 2018net €96,910 ▲137%
Operating result €142,532, net result €96,910, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 70 days late
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 58 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 17 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 11.07
Current ratio from 3.76 to 11.07; short-term debt falls from €192,223 to €55,686.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are 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, Lummen · 1 establishment unit since 1970
Ground area
8,126 m²
Building footprint
1,151 m²
Volume, LiDAR
6,964 m³
Parcel 71038A0160/00H002, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MOBIC
since 19702.016.910.508
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71038A0160/00H002 | Flanders | 8,126 m² | 1 · 1,151 m² | 8.0 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.
Subsidies and aid
Flemish government
2022 · 1 entry · 131 EUR awarded · 131 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 131 EUR | 131 EUR |
Recognitions · licences · registrations
Dual-learning approval
2 live approvalsOnderhoudsmecanicien personenwagens en lichte bedrijfsvoertuigen (vwo)
Onderhoudsmechanica auto duaal (so)
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Of 10,654 companies in sector 47811 we hold annual accounts for 5,225. 3,404 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded17-12-1979
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46712Wholesale trade
47812Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
47820Retail sale of motor vehicle parts and accessories
46180Agents specialised in the wholesale of other particular products
46720Wholesale of motor vehicle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0419975059
Also
9925:BE0419975059
Registered
26-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.