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MOCAFBEL

Active
Private limited companyfounded 201016 yrs activeRue Puits-Marie 92, 4100 Seraing, BelgiumKBO/BCE: BE 0829.554.787
Summary

MOCAFBEL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148,948 and a net result of -€49,836. Equity is growing by ~36.2% per year across the filed fiscal years. Its solvency ranks better than 17% of 8741 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
MOCAFBELActiveChecked score 85/100
Risk analysis ReportCompare

Overview

Activity
Wholesale trade
NACE 46370
1 site
Size
€141,508turnover 2025
Equity
€148,948
Loss
-€49,836
Financial health
85 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts 2 d early0 of 2 deeds read
Why 85- Equity €148,948 (9.7% of total assets)- Sector Wholesale trade (NACE 46)+ Size: turnover €141,508, total assets €1.5m+ Founded in 2010Show the evidence

Checked score

Score 2025
85 / 100
Excellent
Probability in this band: under 0.55%
Better than 50% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 35-38
equity 9.7% of total assets
Liquidity 53+23
short-term debt 17.7% · cash 6.4%
Profitability 76-9
return on assets -3.2%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,765 companies)
Last 19 months 04-2025: 0.2% 05-2025: 0.2%▼ -1.2% vs 04-2025 06-2025: 0.2%▼ -7.3% vs 05-2025lowest value 07-2025: 0.2%▲ +51.6% vs 06-2025 08-2025: 0.4%▲ +79.7% vs 07-2025highest value 09-2025: 0.3%▼ -38.1% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.2%▼ -3.9% vs 12-2025 02-2026: 0.3%▲ +7.3% vs 01-2026 03-2026: 0.3%▼ -2.6% vs 02-2026 04-2026: 0.3%▲ +10.0% vs 03-2026 05-2026: 0.3%▼ -4.6% vs 04-2026 06-2026: 0.2%▼ -10.3% vs 05-2026 07-2026: 0.3%▲ +6.6% vs 06-2026 08-2026: 0.3%▲ +27.7% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026
  • Size: turnover €141,508, total assets €1.5m lowers the probability for this profile
  • Equity €148,948 (9.7% of total assets) raises the probability
  • Founded in 2010 lowers the probability for this profile
  • Sector Wholesale trade (NACE 46) raises the probability
Credit up to €12,000 at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.13 in 2024; short-term debt: 17.7% and cash: 6.4% of total assets), and 90.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 23%, liquidity 58%, profitability 66%, growth against the median 53%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: turnover €141,508, total assets €1.5m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Equity €148,948 (9.7% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 2010
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Wholesale trade (NACE 46)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 8741 sector peers (2025).
NBB · sector comparison
Position among 8741 sector peers
Solvency
better than 17%
← weakest strongest →
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 · 10 filings
Deviation from the deadline
2025
2 d early
2024
3 d late
2023
19 d late
2022
7 d early
2021
26 d late
2020
87 d late
2019
89 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 31 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 3 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Weakest financial yearnet -€49,836
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: From profit to loss in 2025after €30,216 in 2024 -€49,836 View
  • Caution: Among the weakest 11% on net resultsector median €28,793 · 8,721 companies -€49,836 View
  • Turnover 20254 fiscal years filed €141,508 View

By topic

Financials

Fiscal year
2025
Turnover
€141,508
Loss
-€49,836
Solvency
9.7%
Turnover▲ 50.2%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 29-07-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 03-08-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Wholesale tradeNACE 46370
Founded
24-09-2010
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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