MOSA
ActiveMOSA has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269k and a net result of €-3k. Equity is growing by ~99.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 12464 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy▼ -23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-89
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 20.51 against 8.71 in 2024), and 3.7% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 7 filingsDeviation from the deadline
2025
21 d late
2024
7 d early
2023
1 d early
2022
6 d late
2021
4 d late
2020
3 d early
2019
21 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€269k▼ 1.0%
2024 · €271k
2019: €13k
2020: €9k
2021: €21k
2022: €106k
2023: €223k
2024: €271k
2019 → 2025
Total assets
€279k▼ 5.9%
2024 · €297k
2019: €28k
2020: €30k
2021: €53k
2022: €176k
2023: €241k
2024: €297k
2019 → 2025
Net result
€-3k
2024 · €48k
2019: €12k
2020: €-4k
2021: €12k
2022: €85k
2023: €121k
2024: €48k
2019 → 2025
Working capital
€203k▲ 3.5%
2024 · €196k
2019: €-6k
2020: €-12k
2021: €-1k
2022: €89k
2023: €202k
2024: €196k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€106k▲ 412%€223k▲ 111%€271k▲ 21.7%€269k▼ 1.0%
Operating result€16k-€45k▲ 192%€49k▲ 8.1%€41k▼ 16.5%€-6k
Net result€12k-€85k▲ 601%€121k▲ 42.4%€48k▼ 60.1%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €41k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €279k
Fixed assets
€66k▼ 12.7%
Current assets
€214k▼ 3.7%
Equity and liabilities €279k
Equity
€269k▼ 1.0%
Debt
€10k▼ 59.1%
The debt ratio falls from 8.6% to 3.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€6k▼
2024 · €52k
Cash flow
€9k▼
2024 · €59k
Solvency
96.3%▲
2024 · 91.4%
Current ratio
20.51▲
2024 · 8.71
Quick ratio
20.51▲
2024 · 8.71
Debt / equity
0.04▼
2024 · 0.09
ROE
-1.0%▼
2024 · 17.8%
ROA
-0.9%▼
2024 · 16.3%
Interest coverage
113.37▼
2024 · 963.37
Debt
€10k▼
2024 · €25k
Debt ≤ 1 year
€10k▼
2024 · €25k
Income taxes
€756▼
2024 · €10k
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
Total assets20/58€297k€279k▼
Fixed assets21/28€75k€66k▼
Tangible fixed assets22/27€65k€56k▼
Financial fixed assets28€10k€10k=
Current assets29/58€222k€214k▼
Amounts receivable within one year40/41€51k€21k▼
Cash & bank54/58€68k€110k▲
Total equity & liabilities10/49€297k€279k▼
Equity10/15€271k€269k▼
Contributions / capital10/11€1k€1k=
Reserves13€270k€268k▼
Amounts payable17/49€25k€10k▼
Amounts payable within one year42/48€25k€10k▼
Trade debts payable within one year44€293€354▲
Income statement
Code20242025
Gross operating margin9900€52k€7k▼
Operating result9901€41k€-6k▼
Financial income75€17k€4k▼
Financial charges65€54€55▲
Result before taxes9903€58k€-2k▼
Income taxes67/77€10k€756▼
Net result for the period9904€48k€-3k▼
Result to be appropriated9905€48k€-3k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 20.51
Current ratio from 8.71 to 20.51; short-term debt falls from €25k to €10k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €121k ▲42.4%
Operating result €49k, net result €121k, both a record.
31-12
Financial
Liquidity times 5current ratio 11.99
Current ratio from 2.27 to 11.99; short-term debt falls from €70k to €18k.
31-12
Financial
Equity above €200kEq €223k ▲111%
3 profitable years in a row build equity to €223k.
06-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 2.27
Current ratio from 0.97 to 2.27.
31-12
Financial
Equity above €100kEq €106k ▲412%
2 profitable years in a row build equity to €106k.
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-4k ▼135%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 2,749 companies in sector 69109 we hold annual accounts for 1,184. 849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-05-2019
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-07-2026. Scores and ratios are computed by Checked and are not a credit decision.