MOCA
ActiveSummary
The computed 12-month bankruptcy probability of MOCA is 7.3% (elevated). The 2025 annual accounts show negative equity (-€39,612) and a net result of -€20,599. Equity is shrinking by ~57.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 28254 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-53
Solvency0▼-2
Growth58=
Track record94
Bankruptcy probability, 12 months
7.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.5 against 0.47 in 2024; short-term debt: 155.9% and cash: 29.6% of total assets), and equity is negative.
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Signals
Six 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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 2025Solvency, return and age of the figures
Solvency
-55.9%
Return on assets
-29.1%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€39,612
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 01-07-2026, 30 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
30 d early
2024
6 d early
2023
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 25 July (3 of the last 3 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€39,612▼ 108%
2024 · -€19,013
Total assets
€70,882▼ 14.7%
2024 · €83,091
Net result
-€20,599▼ 1,511%
2024 · -€1,279
Working capital
-€55,788▼ 21.8%
2024 · -€45,807
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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
Line202320242025
Operating result-€20,534-€3,294-€16,886
Net result-€20,734below the sector's middle half--€1,279below the sector's middle half▲ 93.8%-€20,599below the sector's middle half▼ 1,511%
Equity-€17,734below the sector's middle half--€19,013below the sector's middle half▼ 7.2%-€39,612below the sector's middle half▼ 108%
Total assets€111,579within the sector's middle half-€83,091within the sector's middle half▼ 25.5%€70,882within the sector's middle half▼ 14.7%
Debt€129,313-€102,104▼ 21.0%€110,494▲ 8.2%
Working capital-€68,639below the sector's middle half--€45,807below the sector's middle half▲ 33.3%-€55,788below the sector's middle half▼ 21.8%
Solvency-15.9%below the sector's middle half--22.9%below the sector's middle half▼ 7.0pp-55.9%below the sector's middle half▼ 33.0pp
Current ratio0.36below the sector's middle half-0.47below the sector's middle half▲ 0.110.50below the sector's middle half▲ 0.03
Return on assets (ROA)-18.6%below the sector's middle half--1.5%below the sector's middle half▲ 17.0pp-29.1%below the sector's middle half▼ 27.5pp
Staff (FTE)1-
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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
The operating result turns negative in 2025: a loss of €16,886 after €3,294 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70,882
Fixed assets
€16,176 ▼ 62.2%
Current assets
€54,706 ▲ 35.9%
Key figures and ratios
EBITDA
-€4,630▼
2024 · €19,934
Cash flow
-€8,343▼
2024 · €15,361
Quick ratio
0.46▲
2024 · 0.39
Debt to equity
-2.79▲
2024 · -5.37
Interest coverage
-1.24▼
2024 · 4.35
Debt ≤ 1 year
€110,494▲
2024 · €86,070
Income taxes
€2▲
2024 · €0
Staff costs
-€422▼
2024 · €43,908
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 7,657 companies that looked in July 2024 the way this one looks now, 8.2% went bankrupt within 24 months and 84% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
8.2%
went bankrupt
5.3%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 7.3% 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%.
| 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 7,657 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €46,306 | €43,908 | -€422 | ▼ 101% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,445 | €16,640 | €12,256 | ▼ 26.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €14,079 | - |
| Other operating charges640/8 | €2,563 | €4,074 | €614 | ▼ 84.9% |
| Gross operating margin9900 | €43,780 | €67,916 | €9,641 | ▼ 85.8% |
| Operating profit (loss)9901 | -€20,534 | €3,294 | -€16,886 | ▼ 613% |
| Financial income75/76B | €112 | €7 | €8 | ▲ 12.9% |
| Recurring financial income75 | €112 | €7 | €8 | ▲ 12.9% |
| Financial charges65/66B | €312 | €4,579 | €3,719 | ▼ 18.8% |
| Recurring financial charges65 | €312 | €4,579 | €3,719 | ▼ 18.8% |
| Profit (loss) for the period before taxes9903 | -€20,734 | -€1,278 | -€20,597 | ▼ 1,511% |
| Income taxes67/77 | - | €0 | €2 | ▲ 503% |
| Profit (loss) for the period9904 | -€20,734 | -€1,279 | -€20,599 | ▼ 1,511% |
| Profit (loss) for the period to be appropriated9905 | -€20,734 | -€1,279 | -€20,599 | ▼ 1,511% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €111,579 | €83,091 | €70,882 | ▼ 14.7% |
| Fixed assets21/28 | €72,695 | €42,828 | €16,176 | ▼ 62.2% |
| Tangible fixed assets22/27 | €72,095 | €42,228 | €15,664 | ▼ 62.9% |
| Plant, machinery and equipment23 | €32,818 | €23,789 | €13,144 | ▼ 44.7% |
| Furniture and vehicles24 | €39,277 | €18,438 | €2,520 | ▼ 86.3% |
| Financial fixed assets28 | €600 | €600 | €512 | ▼ 14.6% |
| Current assets29/58 | €38,883 | €40,263 | €54,706 | ▲ 35.9% |
| Stocks and contracts in progress3 | - | €6,318 | €3,516 | ▼ 44.3% |
| Stocks30/36 | - | €6,318 | €3,516 | ▼ 44.3% |
| Amounts receivable within one year40/41 | €6,918 | €28,467 | €29,197 | ▲ 2.6% |
| Trade receivables40 | €6,918 | €26,371 | €29,197 | ▲ 10.7% |
| Other amounts receivable41 | - | €2,096 | - | - |
| Cash at bank and in hand54/58 | €29,238 | €3,162 | €20,950 | ▲ 563% |
| Deferred charges and accrued income490/1 | €2,728 | €2,316 | €1,043 | ▼ 55.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €111,579 | €83,091 | €70,882 | ▼ 14.7% |
| Equity10/15 | -€17,734 | -€19,013 | -€39,612 | ▼ 108% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€20,734 | -€22,013 | -€42,612 | ▼ 93.6% |
| Amounts payable17/49 | €129,313 | €102,104 | €110,494 | ▲ 8.2% |
| Amounts payable after more than one year17 | €21,791 | €16,034 | - | - |
| Financial debts170/4 | €21,791 | €16,034 | - | - |
| Amounts payable within one year42/48 | €107,522 | €86,070 | €110,494 | ▲ 28.4% |
| Current portion of amounts payable after more than one year42 | €6,140 | €5,757 | - | - |
| Trade debts44 | €3,487 | €8,306 | €24,770 | ▲ 198% |
| Suppliers440/4 | €3,487 | €8,306 | €24,770 | ▲ 198% |
| Taxes, remuneration and social security45 | €7,102 | €5,599 | €4,471 | ▼ 20.1% |
| Taxes450/3 | €423 | - | €2,359 | - |
| Remuneration and social security454/9 | €6,679 | €5,599 | €2,113 | ▼ 62.3% |
| Other amounts payable47/48 | €90,793 | €66,409 | €81,253 | ▲ 22.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€20,734 | -€1,279 | -€20,599 | ▼ 1,511% |
| + Depreciation and write-downs630 | €15,445 | €16,640 | €12,256 | ▼ 26.3% |
| Operating cash flow (approximation) | -€5,289 | €15,361 | -€8,343 | ▼ 154% |
| Investment in fixed assets (approximation) | - | €13,228 | €14,396 | ▲ 8.8% |
| Change in cash | - | -€26,076 | €17,788 | ▲ 168% |
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
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, Schaarbeek · 1 establishment unit since 2022
Ground area
289 m²
Building footprint
136 m²
Volume, LiDAR
1,602 m³
Parcel 21909E0221/00Z003, Brussels · tallest building 18.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
MOCA
since 20222.341.123.704
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21909E0221/00Z003 | Brussels | 289 m² | 1 · 136 m² | 18.4 m · 4 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.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 20,025 companies in sector 43320 we hold annual accounts for 9,138. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
31002Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
43230Insulation installation
43350Other building finishing work
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0795429989
Registered
28-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.