MOSAIC
ActiveSummary
The annual accounts of MOSAIC for fiscal year 2025 show a net loss of 61% of the equity at the start of that year. The 2025 annual accounts show equity of €17k and a net result of €-27k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 22% of 7750 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency39▼-34
Growth35▼-17
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.61 against 1.79 in 2024; short-term debt: 38.1% and cash: 37.5% of total assets), but 85.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
14.5%
Return on assets
-22.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7750 sector peers (2025).
NBB · sector comparisonPosition among 7750 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
35 d early
2022
29 d late
2021
31 d late
2020
4 d early
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€88k▲ 35.7%
2021 · €65k
2018: €160k
2019: €73k
2020: €33k
2021: €65k
2018 → 2022
EBIT margin
23.6%▲ 8.4pp
2021 · 15.2%
2018: -3.6%
2019: -48.3%
2020: -32.8%
2021: 15.2%
2018 → 2022
Net result
€-27k
2024 · €51k
2018: €-7k
2019: €-35k
2020: €-11k
2021: €10k
2022: €21k
2023: €44k
2024: €51k
2018 → 2025
Working capital
€27k▼ 26.0%
2024 · €37k
2018: €-93k
2019: €-55k
2020: €-67k
2021: €-59k
2022: €-40k
2023: €1k
2024: €37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€65k-€88k▲ 35.7%
Equity€-57k-€-36k▲ 36.2%€8k€44k▲ 430%€17k▼ 60.9%
Operating result€10k-€21k▲ 110%€47k▲ 126%€65k▲ 38.1%€-24k
Net result€10k-€21k▲ 114%€44k▲ 116%€51k▲ 13.6%€-27k
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 €24k after €65k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118k
Fixed assets
€46k ▲ 566%
Current assets
€72k ▼ 13.6%
Equity and liabilities €118k
Equity
€17k ▼ 60.9%
Debt
€101k ▲ 116%
Debt's share of the balance-sheet total rises from 51.7% to 85.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2024 · €67k
Cash flow
€-21k▼
2024 · €53k
Current ratio
1.61▼
2024 · 1.79
Debt to equity
5.92▲
2024 · 1.07
ROE
-156.0%▼
2024 · 115.4%
ROA
-22.5%▼
2024 · 55.7%
Interest coverage
-5.60▼
2024 · 130.09
Debt ≤ 1 year
€45k▼
2024 · €47k
Debt > 1 year
€56k
Income taxes
€543▼
2024 · €14k
Staff costs
€515▼
2024 · €30k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€91k€118k▲
Fixed assets21/28€7k€46k▲
Tangible fixed assets22/27€7k€46k▲
Plant, machinery and equipment23€5k€45k▲
Furniture and vehicles24€2k€853▼
Financial fixed assets28€350€350=
Current assets29/58€84k€72k▼
Amounts receivable within one year40/41€23k€26k▲
Trade receivables40€9k€10k▲
Other amounts receivable41€14k€17k▲
Cash at bank and in hand54/58€59k€44k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€91k€118k▲
Equity10/15€44k€17k▼
Contributions10/11€19k€19k=
Reserves13€481€481=
Non-distributable reserves130/1€481€481=
Reserves not available under the articles1311€481€481=
Profit (loss) carried forward14€25k€-2k▼
Amounts payable17/49€47k€101k▲
Amounts payable after more than one year17-€56k
Financial debts170/4-€56k
Amounts payable within one year42/48€47k€45k▼
Current portion of amounts payable after more than one year42-€16k
Trade debts44€10k€10k▼
Suppliers440/4€10k€10k▼
Taxes, remuneration and social security45€22k€19k▼
Taxes450/3€17k€16k▼
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€15k-
Accrued charges and deferred income492/3-€411
Income statement
Code20242025
Remuneration, social security and pensions62€30k€515▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€99k€-15k▼
Operating profit (loss)9901€65k€-24k▼
Financial income75/76B€330€896▲
Recurring financial income75€330€896▲
Financial charges65/66B€515€3k▲
Recurring financial charges65€515€3k▲
Profit (loss) for the period before taxes9903€65k€-26k▼
Income taxes67/77€14k€543▼
Profit (loss) for the period9904€51k€-27k▼
Profit (loss) for the period to be appropriated9905€51k€-27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€-2k▼
Profit (loss) brought forward from the previous period14P€-11k€25k▲
Profit to be distributed694/7€15k-
Directors or managers695€15k-
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €51k ▲13.6%
Operating result €65k, net result €51k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 1.03
Current ratio from 0.37 to 1.03; short-term debt falls from €64k to €50k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after 3 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Ukkel · 1 establishment unit since 2001
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.
Xavier De Buestraat 411180 UkkelGround area
381 m²
Building footprint
262 m²
Volume, LiDAR
2,963 m³
2 parcels, Brussels · tallest building 20.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
les ateliers de Mosaic
since 20012.116.453.490
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0216/00K005 | Brussels | 283 m² | 1 · 195 m² | 20.7 m · 3 fl. |
| 21016B0034/00F016 | Brussels | 99 m² | 1 · 67 m² | 16.3 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteElsene2.116.453.490
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Of 4,571 companies in sector 82300 we hold annual accounts for 1,671. 1,044 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
Founded13-08-2001
Fiscal year end31-12
Activities, NACEBEL 2025
82300Organisation of conventions and trade shows
47210Retail sale of fruit and vegetables
47252Retail sale of beverages, general range
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.