MOMA IMMO
ActiveSummary
MOMA IMMO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.68M and a net result of €76k. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 48% of 3187 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability34▼-15
Solvency76▼-8
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 5.42 in 2024; short-term debt: 28.4% and cash: 0.4% of total assets), and 49.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
50.9%
Return on assets
1.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-04-2026, 23 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
23 d early
2024
61 d early
2023
22 d early
2022
4 d early
2021
8 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€76k▼ 65.0%
2024 · €217k
2021: €135k
2022: €1.68M
2023: €1.55M
2024: €217k
2021 → 2025
Working capital
€4.51M▲ 1.4%
2024 · €4.45M
2021: €145k
2022: €2.06M
2023: €4.43M
2024: €4.45M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€150k-€1.83M▲ 1,119%€3.38M▲ 84.8%€3.60M▲ 6.4%€3.68M▲ 2.1%
Operating result€110k-€121k▲ 9.7%€111k▼ 8.2%€364k▲ 228%€159k▼ 56.2%
Net result€135k-€1.68M▲ 1,143%€1.55M▼ 7.6%€217k▼ 86.0%€76k▼ 65.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.21M
Fixed assets
€654k ▲ 3.1%
Current assets
€6.56M ▲ 20.3%
Equity and liabilities €7.21M
Equity
€3.68M ▲ 2.1%
Debt
€3.54M ▲ 42.3%
Debt's share of the balance-sheet total rises from 40.9% to 49.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€200k▼
2024 · €390k
Cash flow
€117k▼
2024 · €244k
Current ratio
3.20▼
2024 · 5.42
Quick ratio
1.21▼
2024 · 2.22
Debt to equity
0.96▲
2024 · 0.69
ROE
2.1%▼
2024 · 6.0%
ROA
1.1%▼
2024 · 3.6%
Interest coverage
1.69▼
2024 · 3.08
Debt ≤ 1 year
€2.05M▲
2024 · €1.00M
Debt > 1 year
€1.49M▲
2024 · €1.48M
Income taxes
€28k▼
2024 · €71k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.09M€7.21M▲
Fixed assets21/28€635k€654k▲
Tangible fixed assets22/27€625k€644k▲
Land and buildings22€616k€636k▲
Furniture and vehicles24€9k€9k▼
Financial fixed assets28€10k€10k=
Current assets29/58€5.45M€6.56M▲
Amounts receivable after more than one year29-€629k
Other amounts receivable291-€629k
Stocks and contracts in progress3€3.22M€4.08M▲
Stocks30/36€3.22M€4.08M▲
Amounts receivable within one year40/41€1.19M€744k▼
Trade receivables40€26k€293k▲
Other amounts receivable41€1.16M€451k▼
Current investments50/53€1.00M€1.08M▲
Cash at bank and in hand54/58€35k€27k▼
Deferred charges and accrued income490/1€10k€2k▼
Equity and liabilities
Total equity and liabilities10/49€6.09M€7.21M▲
Equity10/15€3.60M€3.68M▲
Contributions10/11€15k€15k=
Reserves13€3.43M€3.43M=
Tax-exempt reserves132€63k€63k=
Distributable reserves133€3.37M€3.37M=
Profit (loss) carried forward14€154k€230k▲
Amounts payable17/49€2.49M€3.54M▲
Amounts payable after more than one year17€1.48M€1.49M▲
Financial debts170/4€1.37M€1.36M▼
Other amounts payable178/9€108k€129k▲
Amounts payable within one year42/48€1.00M€2.05M▲
Current portion of amounts payable after more than one year42€23k€37k▲
Financial debts43€676k€1.45M▲
Credit institutions430/8€676k€1.45M▲
Trade debts44€11k€243k▲
Suppliers440/4€11k€243k▲
Taxes, remuneration and social security45€22k€21k▼
Taxes450/3€22k€21k▼
Other amounts payable47/48€273k€297k▲
Accrued charges and deferred income492/3€387-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€41k▲
Other operating charges640/8€8k€25k▲
Gross operating margin9900€398k€225k▼
Operating profit (loss)9901€364k€159k▼
Financial income75/76B€51k€63k▲
Recurring financial income75€51k€63k▲
Financial charges65/66B€127k€118k▼
Recurring financial charges65€127k€118k▼
Profit (loss) for the period before taxes9903€288k€104k▼
Income taxes67/77€71k€28k▼
Profit (loss) for the period9904€217k€76k▼
Transfer to tax-exempt reserves689€63k-
Profit (loss) for the period to be appropriated9905€154k€76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€154k€230k▲
Profit (loss) brought forward from the previous period14P€362€154k▲
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-08
State Gazette act
Registered officeRegistered-office move2 facts ▸
State Gazette act
Registered office
Registered-office move2 facts ▸
- General meeting, 12/06/2026
- Registered-office move, Résidence Cathédrale, rue Charles Magnette, 96 à 4000 Liège
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Weakest financial yearnet €76k ▼65%
Net result drops to €76k, the lowest in the series.
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Equity above €2MEq €3.38M ▲84.8%
3 profitable years in a row build equity to €3.38M.
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Highest result since 2021net €1.68M ▲1143%
Net result €1.68M, the highest in the series.
30-09
Financial
Liquidity triplescurrent ratio 7.33
Current ratio from 2.65 to 7.33.
30-09
Financial
Equity above €1MEq €1.83M ▲1119%
2 profitable years in a row build equity to €1.83M.
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Liège · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Charles-Magnette 964000 Liège1 establishment unit
MOMA IMMO
since 20212.314.332.304
Similar companies · same sector, comparable size
BK INVEST
BE 0876.515.754
Gent · Eq €3,674,731
VENTIGRATE
BE 0449.188.489
Kontich · Eq €3,676,124
JVS CONSULTING SERVICES
BE 0867.716.567
Steenokkerzeel · Eq €3,674,279
MDW PROJECTS
BE 0891.743.863
Destelbergen · Eq €3,676,384
VIDEG
BE 0446.658.967
Antwerpen · Eq €3,677,011
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 13,891 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2021
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filings
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jean-luc@proconceptliege.be
Phone:+32472893785