MOBILE PAYMENT SOLUTIONS
ActiveSummary
MOBILE PAYMENT SOLUTIONS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.0m and a net result of -€579,355. Equity is growing by ~71% per year across the filed fiscal years. Its solvency ranks better than 45% of 1453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2023
Profitability11▲+3
Solvency57▼-23
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180,000 at 30 days acceptable
Liquidity short (current ratio 0.53 against 1.1 in 2023; short-term debt: 15.6% and cash: 7.3% of total assets), and 67.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.3%
Return on assets
-6.2%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
31 d early
2023
26 d early
2022
30 d late
2021
9 d early
2020
12 d early
2019
on the day
← 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 7 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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 22 July (4 of the last 5 filed years within 30 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
#2 company by equity in Oudenaarde, Telecoms and IT sector#3 company by total assets in Oudenaarde, Telecoms and IT sector
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€579,355▲ 14.3%
2023 · -€675,867
Working capital
-€681,421
2023 · €77,863
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 62, Computer programming, consultancy and related activities, 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
Line20202021202220232025
Operating result€6,856▼ 95.7%-€180,051-€484,262▼ 169%-€887,046▼ 83.2%-€658,859-
Net result€6,004within the sector's middle half▼ 96.1%-€179,993below the sector's middle half-€352,065below the sector's middle half▼ 95.6%-€675,867below the sector's middle half▼ 92.0%-€579,355below the sector's middle half-
Equity€1.0mabove the sector's middle half▲ 178%€5.3mabove the sector's middle half▲ 422%€5.0mabove the sector's middle half▼ 6.6%€4.3mabove the sector's middle half▼ 13.5%€3.0mabove the sector's middle half-
Total assets€1.5mabove the sector's middle half▲ 15.6%€5.6mabove the sector's middle half▲ 286%€5.6mabove the sector's middle half=€7.8mabove the sector's middle half▲ 38.5%€9.4mabove the sector's middle half-
Debt€440,337▼ 51.0%€305,408▼ 30.6%€656,570▲ 115%€3.5m▲ 434%€6.3m-
Working capital-€354,583below the sector's middle half▼ 79.2%€2.6mabove the sector's middle half-€148,283below the sector's middle half€77,863within the sector's middle half-€681,421below the sector's middle half-
Solvency69.9%above the sector's middle half▲ 40.9pp94.6%above the sector's middle half▲ 24.7pp88.4%above the sector's middle half▼ 6.2pp55.2%within the sector's middle half▼ 33.2pp32.3%within the sector's middle half-
Current ratio0.19below the sector's middle half▼ 0.019.65above the sector's middle half▲ 9.450.77below the sector's middle half▼ 8.881.10within the sector's middle half▲ 0.330.53below the sector's middle half-
Return on assets (ROA)0.4%within the sector's middle half▼ 11.7pp-3.2%below the sector's middle half▼ 3.6pp-6.2%below the sector's middle half▼ 3.0pp-8.6%below the sector's middle half▼ 2.4pp-6.2%below the sector's middle half-
Staff (FTE)0.8below the sector's middle half2.8below the sector's middle half-
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result is -€658,859 in 2025, compared with -€887,046 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €9.4m
Fixed assets
€8.6m ▲ 23.1%
Current assets
€780,076 ▼ 6.5%
Equity and liabilities €9.4m
Equity
€3.0m ▼ 29.8%
Debt
€6.3m ▲ 81.1%
Debt's share of the balance-sheet total rises from 44.8% to 67.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€38,123▲
2023 · -€522,974
Cash flow
€41,380▲
2023 · -€311,795
Quick ratio
0.52▼
2023 · 1.10
Debt to equity
2.09▲
2023 · 0.81
ROE
-19.1%▼
2023 · -15.7%
Interest coverage
-0.19▲
2023 · -7.44
Debt ≤ 1 year
€1.5m▲
2023 · €756,373
Debt > 1 year
€4.9m▲
2023 · €2.7m
Staff costs
€117,681▲
2023 · €105,258
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €105,258 | €117,681 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €103,258 | €166,756 | €250,553 | €364,072 | €620,735 | - |
| Other operating charges640/8 | - | €988 | €128,297 | €172,526 | €1,411 | - |
| Non-recurring operating charges66A | - | - | - | - | €50,132 | - |
| Gross operating margin9900 | €111,102 | -€12,307 | -€105,412 | -€245,190 | €131,101 | - |
| Operating profit (loss)9901 | €6,856 | -€180,051 | -€484,262 | -€887,046 | -€658,859 | - |
| Financial income75/76B | - | €456 | €133,116 | €281,461 | €284,868 | - |
| Recurring financial income75 | - | €456 | €133,116 | €281,461 | €284,868 | - |
| Financial charges65/66B | - | €398 | €919 | €70,283 | €205,365 | - |
| Recurring financial charges65 | €852 | €398 | €919 | €70,283 | €205,365 | - |
| Profit (loss) for the period before taxes9903 | €6,004 | -€179,993 | -€352,065 | -€675,867 | -€579,355 | - |
| Profit (loss) for the period9904 | €6,004 | -€179,993 | -€352,065 | -€675,867 | -€579,355 | - |
| Profit (loss) for the period to be appropriated9905 | €6,004 | -€179,993 | -€352,065 | -€675,867 | -€579,355 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €5.6m | €5.6m | €7.8m | €9.4m | - |
| Fixed assets21/28 | €1.4m | €2.7m | €5.1m | €7.0m | €8.6m | - |
| Intangible fixed assets21 | €853,473 | €1.1m | €1.4m | €1.6m | €1.7m | - |
| Tangible fixed assets22/27 | - | - | - | €9,106 | €3,590 | - |
| Plant, machinery and equipment23 | - | - | - | €9,106 | €3,590 | - |
| Financial fixed assets28 | €525,673 | €1.6m | €3.8m | €5.4m | €6.9m | - |
| Current assets29/58 | €85,754 | €2.9m | €508,287 | €834,236 | €780,076 | - |
| Stocks and contracts in progress3 | - | - | - | - | €17,384 | - |
| Stocks30/36 | - | - | - | - | €17,384 | - |
| Amounts receivable within one year40/41 | €64,033 | €50,532 | €51,789 | €44,582 | €43,855 | - |
| Trade receivables40 | - | €38,070 | €37,171 | €44,582 | €43,855 | - |
| Other amounts receivable41 | - | €12,462 | €14,618 | - | - | - |
| Cash at bank and in hand54/58 | €21,721 | €2.9m | €289,552 | €708,174 | €681,224 | - |
| Deferred charges and accrued income490/1 | - | - | €166,946 | €81,479 | €37,613 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €5.6m | €5.6m | €7.8m | €9.4m | - |
| Equity10/15 | €1.0m | €5.3m | €5.0m | €4.3m | €3.0m | - |
| Contributions10/11 | €1.0m | €5.5m | €5.5m | €5.5m | €5.5m | - |
| Capital10 | - | - | €5.5m | €5.5m | €5.5m | - |
| Issued capital100 | - | - | €5.5m | €5.5m | €5.5m | - |
| Reserves13 | €300 | €300 | €300 | €300 | €300 | - |
| Non-distributable reserves130/1 | - | €300 | €300 | €300 | €300 | - |
| Legal reserve130 | - | - | €300 | €300 | €300 | - |
| Reserves not available under the articles1311 | - | €300 | - | - | - | - |
| Profit (loss) carried forward14 | €24,263 | -€155,729 | -€507,795 | -€1.2m | -€2.5m | - |
| Amounts payable17/49 | €440,337 | €305,408 | €656,570 | €3.5m | €6.3m | - |
| Amounts payable after more than one year17 | - | - | - | €2.7m | €4.9m | - |
| Financial debts170/4 | - | - | - | €2.7m | €4.9m | - |
| Amounts payable within one year42/48 | €440,337 | €305,408 | €656,570 | €756,373 | €1.5m | - |
| Trade debts44 | €128,996 | €139,131 | €349,101 | €275,551 | €705,155 | - |
| Suppliers440/4 | - | €139,131 | €349,101 | €275,551 | €705,155 | - |
| Taxes, remuneration and social security45 | - | - | €61,303 | €41,694 | €94,568 | - |
| Taxes450/3 | - | - | €61,303 | €25,879 | €78,631 | - |
| Remuneration and social security454/9 | - | - | - | €15,815 | €15,937 | - |
| Other amounts payable47/48 | - | €166,277 | €246,167 | €439,128 | €661,774 | - |
| Accrued charges and deferred income492/3 | - | - | - | €69,323 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,004 | -€179,993 | -€352,065 | -€675,867 | -€579,355 | - |
| + Depreciation and write-downs630 | €103,258 | €166,756 | €250,553 | €364,072 | €620,735 | - |
| Operating cash flow (approximation) | €109,262 | -€13,237 | -€101,512 | -€311,795 | €41,380 | - |
| Investment in fixed assets (approximation) | - | -€1.5m | -€2.7m | -€2.2m | - | - |
| Change in cash | - | €2.9m | -€2.6m | €418,622 | - | - |
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
02-06
State Gazette act
Reappointments: Jan Harboort, Jurgen Van Leene and Bavo Vanhalst4 facts ▸
State Gazette act
Reappointments: Jan Harboort, Jurgen Van Leene and Bavo Vanhalst
4 facts ▸
- General meeting, 06-06-2025
- Director reappointment, Jan Harboort (director)
- Director reappointment, Jurgen Van Leene (director)
- Director reappointment, Bavo Vanhalst (director)
02-06
State Gazette act
Permanent representative: Sarah Dupuis2 facts ▸
State Gazette act
Permanent representative: Sarah Dupuis
2 facts ▸
- Permanent representative, Sarah Dupuis (vaste vertegenwoordiger van de commissaris)
- Other statement, commissaris, commissaris
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet -€675,867
Net result drops to -€675,867, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity times 50current ratio 9.65
Current ratio from 0.19 to 9.65; short-term debt falls from €440,337 to €305,408.
31-12
Financial
Equity above €5mEq €5.3m ▲422%
Equity rises from €1.0m to €5.3m.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
31-12
Financial
Equity above €1mEq €1.0m ▲178%
3 profitable years in a row build equity to €1.0m.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €153,008 ▲2,130%
Operating result €160,436, net result €153,008, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 146 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 14 acts read
About the unread acts
Of the 14 Belgian State Gazette acts we know for this company, 2 have been read. The other 12 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification, last change in 2025
This board is reconstructed from a single act (26070427). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Bavo Vanhalst
CurrentDirector · since 07-06-2025
HARBOORT Jan
CurrentDirector · since 07-06-2025
Jurgen Van Leene
CurrentDirector · since 07-06-2025
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
12 of this company's 14 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Oudenaarde · 1 establishment unit since 2023
Ground area
1.3 ha
Building footprint
5,355 m²
Volume, LiDAR
21,643 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
44
companies at this address
See who is registered here
1 establishment unit
ANNA -the way to pay-
since 20232.352.103.411
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45023A1469/00F000 | Flanders | 8,006 m² | 1 · 2,238 m² | - |
| 45023A1482/00F000indicative | Flanders | 4,757 m² | 1 · 3,117 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
3 people since 2025, 3 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Bavo Vanhalst |
|
| HARBOORT Jan |
|
| Jurgen Van Leene |
|
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2025 annual accounts of MOBILE PAYMENT SOLUTIONS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Subsidies and aid
Flemish government
2024 · 1 entry · 6,847 EUR awarded · 6,847 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 6,847 EUR | 6,847 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
984500139BA458DB5A06
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Company details
Identification
Legal formPublic limited company
Founded16-07-2015
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
64999Other financial services
62900Other information technology and computer services
62100Computer programming
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0633921328
Registered
18-05-2026
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.