Result
-€10,545 -€10,545
From profit to loss in 2025, after a profit of €40,629 in 2024.
Moda-Da-Me
Lifetime
2 annual accounts with figures on one time axispeak €50,829 (2024)
-€6,845▼ €57,675
lowest -€10,545 (2025)
-€10,545▼ €51,174
peak €42,629 (2024)
€32,084▼ 24.7%
€44,040▲ 185%
Board2 names since 2024
2 directorsMichiels Isabelle and 1 other
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
Gross margin from €50,829 to -€6,845Loss of €10,545Equity from €42,629 to €32,084Debts from €15,447 to €44,040Cash from €2,000 to €755
Key points
from the 2025 annual accountsLiquidity
1.74 was 3.64 in 2024
Short-term debts rose from €15,447 to €43,065.
Position in the sector
-€10,545
Lower net result than 90% of companies in computer programming and consultancy. Sector median €28,568 · 21,214 companies.
Turnover not published (micro format)
Checked score
79
Excellent
Financially stronger than 20% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.2%
02-2026: 0.2%● unchanged vs 01-2026lowest value
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.2 percentage points vs 07-2026
09-2026: 0.5%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 1.74, cash €755, halved
Loss of €10,545 (financial year 2025)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €76,124
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 37% of them on solvency, 8% on liquidity, 11% on profitability and 23% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 584 companies had the same profile as Moda-Da-Me has now. Each dot stands for 2 companies, two years later.
92.6%
were still trading
6.0%
stopped another way
1.4%
went bankrupt
That fits the bankruptcy probability of Moda-Da-Me itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 584 companies, not a prediction for Moda-Da-Me. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.74 (3.64 in 2024), above the usual 1.5. Short-term debt is 56.6% and cash 1% of total assets. However, 57.9% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 22-07-2026, 9 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
9 days early
2024
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 5 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
VK
Van Kets Bert
Director
- VAN KETS Bert Karel Ingrid 1,000 sharesdeed of 30-12-2024
- MICHIELS Isabelle Brigitte Fernande 1,000 sharesdeed of 30-12-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1017888009
First establishment
Gaverlandstraat 73, Ghent
Incorporation
Founding capital of €2,000, 2,000 shares · Founders: VAN KETS Bert Karel Ingrid and MICHIELS Isabelle Brigitte Fernande · Founder: VAN KETS Bert Karel Ingrid · published on 30-12-2024 · Gazette deed
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as Moda-Da-Me: computer programming (NACE 62100). They are comparable in size and age: total assets between €63,100 and €89,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 24-12-2024Normal situation
- Activity
- Computer programmingNACE 62100and 5 others
- Establishment unit
- 2.367.657.4599031 Ghent, since 26-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 15-12-2025
Annual accounts 2025
- €76,124▲ 31.1%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on Moda-Da-Me
Moda-Da-Me has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32,084 and a net result of -€10,545.
Its solvency ranks better than 35% of 21,208 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Moda-Da-Me
- What is the company number of Moda-Da-Me?
- The company number of Moda-Da-Me is 1017.888.009. The VAT number is the same number with BE in front: BE 1017.888.009.
- Where is Moda-Da-Me based?
- The registered office is at Gaverlandstraat 73, 9031 Ghent.Company details
- What does Moda-Da-Me do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of Moda-Da-Me?
- Moda-Da-Me is a private limited company (BV).
- When was Moda-Da-Me founded?
- Moda-Da-Me was founded on 24-12-2024.
- Is Moda-Da-Me still active?
- Yes, Moda-Da-Me is an active enterprise in the KBO register.
- What is the turnover of Moda-Da-Me?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.Financials
- Is Moda-Da-Me profitable?
- In financial year 2025, Moda-Da-Me made a loss of €10,545.
- Where can I find the annual accounts of Moda-Da-Me?
- Moda-Da-Me filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Moda-Da-Me due?
- Moda-Da-Me must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.