MONEYOAK

Active

Public limited companyfounded 20215 yrs activeLouizalaan 231, 1050 Elsene, BelgiumKBO/BCE: BE 0763.340.510

MONEYOAK has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.58M and a net result of €-84k. Equity is growing by ~145.3% per year across the filed fiscal years. Its solvency ranks better than 59% of 1003 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

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Checked score

Score 2025

48 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability17▼-83

Solvency68=

Growth52▼-26

Track record94

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €170k at 30 days acceptable

Liquidity ample (current ratio 1.73 against 1.74 in 2024; short-term debt: 57.4% and cash: 0.6% of total assets), but 57.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Lower-risk legal form

Companies with this legal form statistically fail less often than a BV.

KBO · legal form

Filed after the deadline

The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 31-10-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 5 filings

Deviation from the deadline

2025

61 d late

2024

276 d late

2023

29 d late

2022

2 d late

2021

15 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2025, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-84k

2024 · €3.18M

2021: €2.58M 2022: €64k 2023: €910k 2024: €3.18M

2021 → 2025

Working capital

€3.51M▼ 2.0%

2024 · €3.58M

2021: €700k 2022: €946k 2023: €1.21M 2024: €3.58M

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€146k-€210k▲ 43.6%€490k▲ 134%€3.67M▲ 649%€3.58M▼ 2.3%

Operating result€3.54M-€117k▼ 96.7%€1.10M▲ 843%€4.37M▲ 297%€-73k

Net result€2.58M-€64k▼ 97.5%€910k▲ 1,330%€3.18M▲ 249%€-84k

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €73k after €4.37M in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €8.41M

99.1%

Fixed assets €73k▼ 11.7%

Current assets €8.34M▼ 1.1%

Equity and liabilities €8.41M

42.6%

57.4%

Equity €3.58M▼ 2.3%

Debt €4.83M▼ 0.3%

The debt ratio rises from 56.9% to 57.4%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-56k▼

2024 · €4.40M

Cash flow

€-67k▼

2024 · €3.21M

Solvency

42.6%▼

2024 · 43.1%

Current ratio

1.73▼

2024 · 1.74

Quick ratio

1.73▼

2024 · 1.74

Debt / equity

1.35▲

2024 · 1.32

ROE

-2.4%▼

2024 · 86.6%

ROA

-1.0%▼

2024 · 37.3%

Interest coverage

-5.63▼

2024 · 292.25

Debt

€4.83M▼

2024 · €4.85M

Debt ≤ 1 year

€4.83M▼

2024 · €4.85M

Income taxes

€2k▼

2024 · €1.18M

Staff costs

€789k▼

2024 · €1.10M

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€8.51M€8.41M▼

Fixed assets21/28€82k€73k▼

Tangible fixed assets22/27€82k€73k▼

Furniture and vehicles24€61k€51k▼

Other tangible fixed assets26€21k€22k▲

Current assets29/58€8.43M€8.34M▼

Amounts receivable within one year40/41€8.25M€8.29M▲

Trade receivables40€6.25M€4.48M▼

Other amounts receivable41€2.00M€3.80M▲

Cash at bank and in hand54/58€181k€47k▼

Deferred charges and accrued income490/1€4k€8k▲

Equity and liabilities

Total equity and liabilities10/49€8.51M€8.41M▼

Equity10/15€3.67M€3.58M▼

Contributions10/11€62k€62k=

Capital10€62k€62k=

Issued capital100€62k€62k=

Reserves13€3.00M€3.00M=

Distributable reserves133€3.00M€3.00M=

Profit (loss) carried forward14€605k€520k▼

Amounts payable17/49€4.85M€4.83M▼

Amounts payable within one year42/48€4.85M€4.83M▼

Trade debts44€3.51M€3.81M▲

Suppliers440/4€3.51M€3.81M▲

Taxes, remuneration and social security45€1.33M€1.02M▼

Taxes450/3€1.32M€935k▼

Remuneration and social security454/9€16k€86k▲

Accrued charges and deferred income492/3-€2k

Income statement Code20242025

Remuneration, social security and pensions62€1.10M€789k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€17k▼

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€119k▲

Provisions for liabilities and charges: additions (uses and reversals)635/8€-822k-

Other operating charges640/8€6k€2k▼

Gross operating margin9900€4.69M€854k▼

Operating profit (loss)9901€4.37M€-73k▼

Financial income75/76B€2k-

Recurring financial income75€2k-

Financial charges65/66B€15k€10k▼

Recurring financial charges65€15k€10k▼

Profit (loss) for the period before taxes9903€4.36M€-83k▼

Income taxes67/77€1.18M€2k▼

Profit (loss) for the period9904€3.18M€-84k▼

Profit (loss) for the period to be appropriated9905€3.18M€-84k▼

Appropriation of the result

Profit (loss) to be appropriated9906€3.60M€520k▼

Profit (loss) brought forward from the previous period14P€428k€605k▲

Transfer to equity691/2€3.00M-

To other reserves6921€3.00M-

Social balance

Average headcount (FTE)908712.812.0▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

2025

03-11

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 276 days late

31-10

NBB filing Annual accounts filed

fiscal year 2025 · full schema · 61 days late

31-01

Financial Weakest financial yearnet €-84k ▼103%

Net result drops to €-84k, the lowest in the series.

2024

30-06

Financial Highest result since 2021net €3.18M ▲249%

Operating result €4.37M, net result €3.18M, both a record.

30-06

Financial Equity above €2MEq €3.67M ▲649%

4 profitable years in a row build equity to €3.67M.

29-02

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 29 days late

2023

02-02

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 2 days late

2022

30-06

Financial Equity above €200kEq €210k ▲43.6%

2 profitable years in a row build equity to €210k.

15-02

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 15 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 acts for this company are 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, Elsene · 4 establishment units since 2021

establishment approximate All 4 establishment units on the map

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.

Louizalaan 2311050 Elsene

Ground area

2.0 ha

Building footprint

7,102 m²

Volume, LiDAR

138,492 m³

5 parcels, Brussels, Flanders, Wallonia · tallest building 45.8 m, ±8 floors. Linked by address, not a title deed.

4 establishment units

MONEYOAK

Louizalaan 523, 1050 ElseneComputing infrastructure, data processing, hosting and other information service activities

since 20212.313.929.060

MONEYOAK

Lange Eikstraat 80, 1970 Wezembeek-OppemComputing infrastructure, data processing, hosting and other information service activities

since 20212.313.929.159

MONEYOAK

Chaussée de Nivelles(BUZ) 766, 6230 Pont-à-CellesComputing infrastructure, data processing, hosting and other information service activities

since 20212.313.929.258

MONEYOAK

Ikaroslaan 1, 1930 ZaventemOther information service activities

since 20252.368.851.648

5 parcels

Flanders 2 (40%) Wallonia 1 (20%) Brussels 2 (40%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21807G0131/00T000	Brussels	5,672 m²	1 · 3,878 m²	45.8 m · 8 fl.
23772B0101/00B000	Flanders	5,421 m²	1 · 499 m²	-
52009B0582/00D000	Wallonia	3,768 m²	-	-
21822R0226/00W011	Brussels	3,529 m²	1 · 1,878 m²	38.1 m · 7 fl.
22006A0163/00M005	Flanders	1,863 m²	1 · 847 m²	16.3 m · 3 fl.