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MOJO SESSION

Active
Private limited companyfounded 2020active for 6 yearsRue Morimont(Sart-B.) 26a, 5330 Assesse, BelgiumKBO/BCE: BE 0746.479.336
Summary

MOJO SESSION has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80,463 and a net result of €38,197. Equity is growing by about 54% per year across the filed financial years. Its solvency ranks better than 39% of 22,650 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Overview

Activity
Retail sale of bicycles
NACE 47632
1 site
Size
≈ €750,000turnover 2025, estimated
Staff
2 FTE
Equity
€80,463
Profit
€38,197
Turnover estimated from the gross margin
Financial health
84 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Structure
2025 accounts 38 days early1 deed in the Belgian Official Gazette
Why 84raises riskSector: Retail trade (NACE 47)Founded in 2020lowers riskSize: total assets €389,989Liquidity: current ratio 1.93, cash €54,489, halvedShow the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 60% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Average
Solvency 46+9
equity 20.6% of total assets
Liquidity 43-24
short-term debt 49.9% · cash 14.0%
Profitability 81+20
return on assets 9.8%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,263 companies, NACE 47, micro)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%● unchanged vs 11-2024 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.7%▲ +0.1 percentage points vs 04-2025 06-2025: 0.7%● unchanged vs 05-2025 07-2025: 0.5%▼ -0.2 percentage points vs 06-2025 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025lowest value 02-2026: 0.5%● unchanged vs 01-2026lowest value 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.7%▲ +0.2 percentage points vs 07-2026 09-2026: 0.8%▲ +0.1 percentage points vs 08-2026highest value 10-2026: 0.5%▼ -0.3 percentage points vs 09-2026
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.93, compared with 1.75 in 2024, above the usual 1.5; short-term debt: 49.9% and cash: 14% of total assets), but 79.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 47, micro): better than 36% on solvency, 41% on liquidity, 73% on profitability and 91% on growth.

The bankruptcy probability was computed on 29-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €389,989
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Liquidity: current ratio 1.93, cash €54,489, halved
NBB · annual accounts
raises risk · Founded in 2020
Companies of this age fail more often than older ones; how much that weighs depends on the rest of its profile.
KBO
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 23-06-2026, 38 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
38 days early
2024
57 days early
2023
57 days early
2022
67 days early
2021
68 days early
2020
107 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 66 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% 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. The company usually files around 4 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Highest result from 2020 to 2025net €38,197 ▲244%
  3. Annual accounts filedfinancial year 2024 · micro…

Financials · financial year 2025, micro format

Turnover
≈ €750,000
Estimated: probably between €400,000 and €1.2m
Total assets
€389,989▲ 9.8%
2024 · €355,099
Net result
€38,197▲ 244%
2024 · €11,101
Working capital
€180,453▲ 23.5%
2024 · €146,158
Trend over the years

2021 to 2025, 5 financial years 2020 to 2025, 6 financial years

The operating result recovers in 2025; 2025 is 135% above 2024 and is the highest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€55,443 2025 Net result€38,197 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable unfavourable
Line202020212022202320242025
Operating result-€5,681-€12,394€1,222▼ 90.1%€32,438▲ 27×€23,590▼ 27.3%€55,443▲ 135%
Net result-€5,973below the sector's middle half-€11,142within the sector's middle half-€547within the sector's middle half€21,543above the sector's middle half€11,101within the sector's middle half▼ 48.5%€38,197above the sector's middle half▲ 244%
Equity-€973below the sector's middle half-€10,169within the sector's middle half€9,621within the sector's middle half▼ 5.4%€31,165within the sector's middle half▲ 224%€42,266within the sector's middle half▲ 35.6%€80,463within the sector's middle half▲ 90.4%
Total assets€95,793within the sector's middle half-€171,697within the sector's middle half▲ 79.2%€264,447within the sector's middle half▲ 54.0%€342,938above the sector's middle half▲ 29.7%€355,099above the sector's middle half▲ 3.5%€389,989above the sector's middle half▲ 9.8%
Debt€96,766-€161,528▲ 66.9%€254,826▲ 57.8%€311,773▲ 22.3%€312,834▲ 0.3%€309,526▼ 1.1%
Working capital-€4,213within the sector's middle half-€107,496above the sector's middle half€149,229above the sector's middle half▲ 38.8%€145,606above the sector's middle half▼ 2.4%€146,158above the sector's middle half▲ 0.4%€180,453above the sector's middle half▲ 23.5%
Solvency-1.0%below the sector's middle half-5.9%below the sector's middle half▲ 6.9pp3.6%below the sector's middle half▼ 2.3pp9.1%within the sector's middle half▲ 5.4pp11.9%within the sector's middle half▲ 2.8pp20.6%within the sector's middle half▲ 8.7pp
Current ratio0.95within the sector's middle half-3.86above the sector's middle half▲ 2.912.70within the sector's middle half▼ 1.161.83within the sector's middle half▼ 0.881.75within the sector's middle half▼ 0.081.93within the sector's middle half▲ 0.18
Return on assets (ROA)-6.2%below the sector's middle half-6.5%within the sector's middle half▲ 12.7pp-0.2%within the sector's middle half▼ 6.7pp6.3%within the sector's middle half▲ 6.5pp3.1%within the sector's middle half▼ 3.2pp9.8%within the sector's middle half▲ 6.7pp
Staff (FTE)11=1.2▲ 20.0%2▲ 66.7%
above within below the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €389,989
Fixed assets €15,010 ▲ 17.2%
Current assets €374,979 ▲ 9.6%
Equity and liabilities €389,989
Equity €80,463 ▲ 90.4%
Debt €309,526 ▼ 1.1%
Debt's share of the balance-sheet total falls from 88.1% to 79.4%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€61,885▲
2024 · €31,764
Cash flow
€44,639▲
2024 · €19,275
Quick ratio
1.33▲
2024 · 0.94
Debt to equity
3.85▼
2024 · 7.40
ROE
47.5%▲
2024 · 26.3%
Interest coverage
30.98▲
2024 · 4.57
Debt ≤ 1 year
€194,526▼
2024 · €196,130
Debt > 1 year
€115,000=
2024 · €115,000
Income taxes
€15,454▲
2024 · €5,541
Staff costs
€56,276▲
2024 · €33,622
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.8% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.2% stopped otherwise
95.8% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 6,713 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet Code20242025
Assets
Total assets20/58€355,099€389,989▲
Fixed assets21/28€12,812€15,010▲
Tangible fixed assets22/27€9,097€11,295▲
Plant, machinery and equipment23€1,375€964▼
Furniture and vehicles24€5,825€665▼
Other tangible fixed assets26€1,898€9,666▲
Financial fixed assets28€3,715€3,715=
Current assets29/58€342,288€374,979▲
Stocks and contracts in progress3€157,540€116,246▼
Stocks30/36€157,540€116,246▼
Amounts receivable within one year40/41€57,493€204,244▲
Trade receivables40€57,493€204,244▲
Cash at bank and in hand54/58€127,255€54,489▼
Equity and liabilities
Total equity and liabilities10/49€355,099€389,989▲
Equity10/15€42,266€80,463▲
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14€37,266€75,463▲
Amounts payable17/49€312,834€309,526▼
Amounts payable after more than one year17€115,000€115,000=
Financial debts170/4€115,000€115,000=
Amounts payable within one year42/48€196,130€194,526▼
Current portion of amounts payable after more than one year42€18,686-
Trade debts44€28,887€66,110▲
Suppliers440/4€28,887€66,110▲
Taxes, remuneration and social security45€72,116€62,099▼
Taxes450/3€65,362€53,983▼
Remuneration and social security454/9€6,754€8,116▲
Other amounts payable47/48€76,441€66,317▼
Accrued charges and deferred income492/3€1,704-
Income statement Code20242025
Remuneration, social security and pensions62€33,622€56,276▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,174€6,442▼
Other operating charges640/8€1,032€3,451▲
Gross operating margin9900€66,419€121,612▲
Operating profit (loss)9901€23,590€55,443▲
Financial income75/76B-€206
Recurring financial income75-€206
Financial charges65/66B€6,948€1,998▼
Recurring financial charges65€6,948€1,998▼
Profit (loss) for the period before taxes9903€16,642€53,651▲
Income taxes67/77€5,541€15,454▲
Profit (loss) for the period9904€11,101€38,197▲
Profit (loss) for the period to be appropriated9905€11,101€38,197▲
Appropriation of the result
Profit (loss) to be appropriated9906€37,266€75,463▲
Profit (loss) brought forward from the previous period14P€26,165€37,266▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202020212022202320242025Change
Remuneration, social security and pensions62--€22,247€36,328€33,622€56,276▲ 67.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,770€6,264€7,602€7,964€8,174€6,442▼ 21.2%
Other operating charges640/8-€500€959€1,215€1,032€3,451▲ 234%
Gross operating margin9900-€3,792€19,158€32,030€77,946€66,419€121,612▲ 83.1%
Operating profit (loss)9901-€5,681€12,394€1,222€32,438€23,590€55,443▲ 135%
Financial income75/76B-€0€11€79-€206-
Recurring financial income75€32€0€11€79-€206-
Financial charges65/66B-€182€939€3,926€6,948€1,998▼ 71.2%
Recurring financial charges65€323€182€939€3,926€6,948€1,998▼ 71.2%
Profit (loss) for the period before taxes9903-€5,973€12,213€294€28,591€16,642€53,651▲ 222%
Income taxes67/77-€1,071€842€7,048€5,541€15,454▲ 179%
Profit (loss) for the period9904-€5,973€11,142-€547€21,543€11,101€38,197▲ 244%
Profit (loss) for the period to be appropriated9905-€5,973€11,142-€547€21,543€11,101€38,197▲ 244%
Line202020212022202320242025Change
Assets
Total assets20/58€95,793€171,697€264,447€342,938€355,099€389,989▲ 9.8%
Fixed assets21/28€15,275€26,612€27,494€20,986€12,812€15,010▲ 17.2%
Tangible fixed assets22/27€15,275€26,612€23,779€17,271€9,097€11,295▲ 24.2%
Plant, machinery and equipment23--€530€1,786€1,375€964▼ 29.9%
Furniture and vehicles24-€26,612€19,683€12,754€5,825€665▼ 88.6%
Other tangible fixed assets26--€3,566€2,732€1,898€9,666▲ 409%
Financial fixed assets28--€3,715€3,715€3,715€3,715=
Current assets29/58€80,519€145,085€236,953€321,952€342,288€374,979▲ 9.6%
Stocks and contracts in progress3€47,793€100,481€184,270€174,918€157,540€116,246▼ 26.2%
Stocks30/36-€100,481€184,270€174,918€157,540€116,246▼ 26.2%
Amounts receivable within one year40/41€15,545€16,429€10,059€77,287€57,493€204,244▲ 255%
Trade receivables40-€16,429€10,059€77,287€57,493€204,244▲ 255%
Cash at bank and in hand54/58€15,860€27,033€40,745€69,747€127,255€54,489▼ 57.2%
Deferred charges and accrued income490/1-€1,143€1,879----
Equity and liabilities
Total equity and liabilities10/49€95,793€171,697€264,447€342,938€355,099€389,989▲ 9.8%
Equity10/15-€973€10,169€9,621€31,165€42,266€80,463▲ 90.4%
Contributions10/11-€5,000€5,000€5,000€5,000€5,000=
Profit (loss) carried forward14-€5,973€5,169€4,621€26,165€37,266€75,463▲ 102%
Amounts payable17/49€96,766€161,528€254,826€311,773€312,834€309,526▼ 1.1%
Amounts payable after more than one year17€12,035€123,646€165,323€133,686€115,000€115,000=
Financial debts170/4-€123,646€165,323€133,686€115,000€115,000=
Amounts payable within one year42/48€84,732€37,589€87,724€176,346€196,130€194,526▼ 0.8%
Current portion of amounts payable after more than one year42-€3,389€13,523€40,427€18,686--
Trade debts44€18,305€7,283€14,862€22,892€28,887€66,110▲ 129%
Suppliers440/4-€7,283€14,862€22,892€28,887€66,110▲ 129%
Taxes, remuneration and social security45-€10,333€29,173€54,922€72,116€62,099▼ 13.9%
Taxes450/3-€10,333€23,527€48,797€65,362€53,983▼ 17.4%
Remuneration and social security454/9--€5,646€6,125€6,754€8,116▲ 20.2%
Other amounts payable47/48-€16,585€30,166€58,105€76,441€66,317▼ 13.2%
Accrued charges and deferred income492/3-€293€1,779€1,741€1,704--
Line202020212022202320242025Change
Profit (loss) for the period9904-€5,973€11,142-€547€21,543€11,101€38,197▲ 244%
+ Depreciation and write-downs630€1,770€6,264€7,602€7,964€8,174€6,442▼ 21.2%
Operating cash flow (approximation)-€4,203€17,405€7,055€29,508€19,275€44,639▲ 132%
Investment in fixed assets (approximation)--€17,600-€8,484-€1,456€0-€8,641-
Change in cash-€11,173€13,713€29,002€57,508-€72,765-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (6)
Financial year Type Filed Reference
31-12-2025 micro format 23-06-2026 2026-00191178
31-12-2024 micro format 04-06-2025 2025-00118106
31-12-2023 micro format 04-06-2024 2024-00107814
31-12-2022 micro format 25-05-2023 2023-00097107
31-12-2021 micro format 24-05-2022 2022-20035167
31-12-2020 micro format 15-04-2021 2021-10500060

Similar companies · same sector, comparable size

Of the 1,449 active companies whose main activity is retail sale of bicycles (NACE 47632), figures are known for 746. 618 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

MOJO SESSION was incorporated on 23 April 2020 as a private limited company.1 Total assets rose from €95,793 in 2020 to €389,989 in 2025 and headcount from 1 full-time equivalents in 2022 to 2 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2020, 2022 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
23-06
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
31-12
Financial Highest result from 2020 to 2025net €38,197 ▲244%
Operating result €55,443, net result €38,197, both a record.
04-06
NBB filing Annual accounts filed
financial year 2024 · micro format
2024
04-06
NBB filing Annual accounts filed
financial year 2023 · micro format
2023
31-12
Financial Back to profitnet €21,543
Net result €21,543 after one loss-making year.
25-05
NBB filing Annual accounts filed
financial year 2022 · micro format
2022
24-05
NBB filing Annual accounts filed
financial year 2021 · micro format
2021
31-12
Financial Back to profitnet €11,142
Net result €11,142 after one loss-making year.
31-12
Financial Liquidity more than quadruplescurrent ratio 3.86
Current ratio from 0.95 to 3.86; short-term debt falls from €84,732 to €37,589.
15-04
NBB filing Annual accounts filed
financial year 2020 · micro format
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
0 of 1 deed read
About the unread acts

We know of 1 Belgian Official Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPrivate limited company
Founded23-04-2020
Financial year end31-12
Activities, NACEBEL 2025
47632Retail sale of bicycles
46496Wholesale trade
47639Retail sale of other sporting goods
82990Other business support services
85510Sports and recreation education
95290Repair and maintenance of other personal and household goods
Contact
E-mail contact@mojovelo.be
E-invoicing
Reachable via Peppol
Peppol ID 0208:0746479336
Registered 21-10-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Assesse · 1 establishment unit since 2020
registered office establishment The establishment unit on the map
Ground area
3,341 m²
Building footprint
836 m²
Building volume
526 m³
2 parcels, Wallonia · tallest building 6.9 m. Linked by address, not a title deed.
1 establishment unit
Avenue d'Ecolys(RH) 5, 5020 Namur
Retail sale of bicycles
since 2020unit no. 2.302.106.740
2 parcels
Wallonia 2 (100%)
Cadastral parcel Region Area Buildings Height / floors
92120F0151/00A000 Wallonia 2,345 m² 1 · 746 m² -
92109A0457/00H002 Wallonia 996 m² 1 · 90 m² 6.9 m · 2
How the parcels are linked
Good to know
Both parcels match the address exactly.