MOSAICS
ActiveSummary
MOSAICS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €446,460 and a net result of €57,579. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 8737 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+8
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 10.85 against 11.5 in 2024; short-term debt: 7.4% and cash: 21.6% of total assets), and 20.7% of the assets are financed with debt.
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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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
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
79.3%
Return on assets
10.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
22 d early
2023
7 d late
2022
11 d early
2021
3 d early
2020
1 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€446,460▲ 2.9%
2024 · €433,881
Total assets
€562,980▲ 2.3%
2024 · €550,408
Net result
€57,579▲ 138%
2024 · €24,159
Working capital
€409,698▲ 4.6%
2024 · €391,824
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€124,108▲ 2.0%€98,562▼ 20.6%€116,407▲ 18.1%€30,835▼ 73.5%€76,564▲ 148%
Net result€114,466within the sector's middle half▲ 26.8%€85,923within the sector's middle half▼ 24.9%€99,684within the sector's middle half▲ 16.0%€24,159within the sector's middle half▼ 75.8%€57,579within the sector's middle half▲ 138%
Equity€224,116within the sector's middle half▲ 40.4%€310,039within the sector's middle half▲ 38.3%€409,722within the sector's middle half▲ 32.2%€433,881within the sector's middle half▲ 5.9%€446,460within the sector's middle half▲ 2.9%
Total assets€447,781within the sector's middle half▲ 51.9%€489,030within the sector's middle half▲ 9.2%€564,081within the sector's middle half▲ 15.3%€550,408within the sector's middle half▼ 2.4%€562,980within the sector's middle half▲ 2.3%
Debt€223,665▲ 65.5%€178,992▼ 20.0%€154,359▼ 13.8%€116,527▼ 24.5%€116,520=
Working capital€144,879▲ 64.5%€228,269▲ 57.6%€371,481▲ 62.7%€391,824▲ 5.5%€409,698▲ 4.6%
Solvency50.1%within the sector's middle half▼ 4.1pp63.4%within the sector's middle half▲ 13.3pp72.6%within the sector's middle half▲ 9.2pp78.8%within the sector's middle half▲ 6.2pp79.3%within the sector's middle half▲ 0.5pp
Staff (FTE)0within the sector's middle half0within the sector's middle half0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 148% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €562,980
Fixed assets
€111,679 ▼ 7.9%
Current assets
€451,301 ▲ 5.2%
Equity and liabilities €562,980
Equity
€446,460 ▲ 2.9%
Debt
€116,520 =
Debt's share of the balance-sheet total falls from 21.2% to 20.7%. Equity is higher.
Key figures and ratios
EBITDA
€86,808▲
2024 · €40,165
Cash flow
€67,822▲
2024 · €33,489
Current ratio
10.85▼
2024 · 11.50
Debt to equity
0.26▼
2024 · 0.27
ROE
12.9%▲
2024 · 5.6%
ROA
10.2%▲
2024 · 4.4%
Interest coverage
38.07▲
2024 · 10.79
Debt ≤ 1 year
€41,603▲
2024 · €37,300
Debt > 1 year
€74,917▼
2024 · €79,226
Income taxes
€25,474▲
2024 · €11,647
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,082 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 20,082 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €0 | €136,765 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,246 | €13,917 | €6,684 | €9,330 | €10,243 | ▲ 9.8% |
| Other operating charges640/8 | - | €1,016 | €1,750 | €1,491 | €9,190 | ▲ 516% |
| Non-recurring operating charges66A | - | - | - | - | €5,939 | - |
| Gross operating margin9900 | €133,707 | €113,496 | €124,841 | €41,657 | €101,936 | ▲ 145% |
| Operating profit (loss)9901 | €124,108 | €98,562 | €116,407 | €30,835 | €76,564 | ▲ 148% |
| Financial income75/76B | - | €28,435 | €4,703 | €8,693 | €8,769 | ▲ 0.9% |
| Recurring financial income75 | €30,575 | €28,435 | €4,703 | €8,693 | €8,769 | ▲ 0.9% |
| Financial charges65/66B | - | €4,717 | €4,497 | €3,722 | €2,280 | ▼ 38.7% |
| Recurring financial charges65 | €6,231 | €4,717 | €4,497 | €3,722 | €2,280 | ▼ 38.7% |
| Profit (loss) for the period before taxes9903 | €148,453 | €122,280 | €116,613 | €35,806 | €83,053 | ▲ 132% |
| Income taxes67/77 | €33,986 | €36,357 | €16,929 | €11,647 | €25,474 | ▲ 119% |
| Profit (loss) for the period9904 | €114,466 | €85,923 | €99,684 | €24,159 | €57,579 | ▲ 138% |
| Transfer from tax-exempt reserves789 | - | €24,000 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €114,466 | €109,923 | €99,684 | €24,159 | €57,579 | ▲ 138% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €447,781 | €489,030 | €564,081 | €550,408 | €562,980 | ▲ 2.3% |
| Fixed assets21/28 | €216,968 | €207,511 | €121,697 | €121,283 | €111,679 | ▼ 7.9% |
| Tangible fixed assets22/27 | €187,226 | €182,770 | €96,956 | €96,542 | €86,937 | ▼ 9.9% |
| Land and buildings22 | - | €173,946 | €85,911 | €81,111 | €76,311 | ▼ 5.9% |
| Plant, machinery and equipment23 | - | €0 | - | - | - | - |
| Furniture and vehicles24 | - | €2,143 | €4,843 | €9,708 | €5,383 | ▼ 44.6% |
| Other tangible fixed assets26 | - | €6,681 | €6,202 | €5,723 | €5,243 | ▼ 8.4% |
| Financial fixed assets28 | €29,741 | €24,741 | €24,741 | €24,741 | €24,741 | = |
| Current assets29/58 | €230,813 | €281,519 | €442,384 | €429,125 | €451,301 | ▲ 5.2% |
| Amounts receivable after more than one year29 | - | €85,000 | €297,000 | €297,000 | €254,250 | ▼ 14.4% |
| Other amounts receivable291 | - | €85,000 | €297,000 | €297,000 | €254,250 | ▼ 14.4% |
| Amounts receivable within one year40/41 | €162,489 | €111,147 | €72,604 | €96,641 | €74,873 | ▼ 22.5% |
| Trade receivables40 | - | €78,345 | €35,689 | €56,341 | €60,361 | ▲ 7.1% |
| Other amounts receivable41 | - | €32,801 | €36,916 | €40,300 | €14,512 | ▼ 64.0% |
| Cash at bank and in hand54/58 | €66,239 | €85,142 | €72,340 | €35,055 | €121,659 | ▲ 247% |
| Deferred charges and accrued income490/1 | - | €231 | €440 | €429 | €520 | ▲ 21.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €447,781 | €489,030 | €564,081 | €550,408 | €562,980 | ▲ 2.3% |
| Equity10/15 | €224,116 | €310,039 | €409,722 | €433,881 | €446,460 | ▲ 2.9% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €217,916 | €303,839 | €403,522 | €427,681 | €440,260 | ▲ 2.9% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Tax-exempt reserves132 | - | €0 | - | - | - | - |
| Distributable reserves133 | - | €301,979 | €401,662 | €427,681 | €440,260 | ▲ 2.9% |
| Profit (loss) carried forward14 | - | €0 | - | - | €0 | - |
| Amounts payable17/49 | €223,665 | €178,992 | €154,359 | €116,527 | €116,520 | = |
| Amounts payable after more than one year17 | €137,731 | €124,453 | €83,455 | €79,226 | €74,917 | ▼ 5.4% |
| Financial debts170/4 | - | €124,453 | €83,455 | €79,226 | €74,917 | ▼ 5.4% |
| Amounts payable within one year42/48 | €85,935 | €53,251 | €70,903 | €37,300 | €41,603 | ▲ 11.5% |
| Current portion of amounts payable after more than one year42 | - | €13,278 | €4,146 | €4,229 | €4,309 | ▲ 1.9% |
| Financial debts43 | - | €8,127 | €18,310 | €0 | - | - |
| Credit institutions430/8 | - | €8,127 | €18,310 | €0 | - | - |
| Trade debts44 | €9,423 | €11,542 | €12,573 | €13,631 | €12,982 | ▼ 4.8% |
| Suppliers440/4 | - | €11,542 | €12,573 | €13,631 | €12,982 | ▼ 4.8% |
| Taxes, remuneration and social security45 | - | €20,304 | €35,875 | €14,122 | €24,312 | ▲ 72.2% |
| Taxes450/3 | - | €20,304 | €35,875 | €14,122 | €24,312 | ▲ 72.2% |
| Other amounts payable47/48 | - | €0 | - | €5,319 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | €1,289 | €0 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €114,466 | €85,923 | €99,684 | €24,159 | €57,579 | ▲ 138% |
| + Depreciation and write-downs630 | €8,246 | €13,917 | €6,684 | €9,330 | €10,243 | ▲ 9.8% |
| Operating cash flow (approximation) | €122,712 | €99,840 | €106,368 | €33,489 | €67,822 | ▲ 103% |
| Investment in fixed assets (approximation) | - | -€4,461 | €79,130 | -€8,916 | -€639 | ▲ 92.8% |
| Change in cash | - | €18,903 | -€12,802 | -€37,284 | €86,604 | ▲ 332% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €24,159 ▼75.8%
Net result drops to €24,159, the lowest in the series; recovery starts the following year.
07-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 7 days late
2023
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Highest result since 2019net €114,466 ▲26.8%
Operating result €124,108, net result €114,466, both a record.
30-06
Financial
Equity above €200,000Eq €224,116 ▲40.4%
3 profitable years in a row build equity to €224,116.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 1 day late
2020
30-06
Financial
Liquidity doublescurrent ratio 2.10
Current ratio from 1.03 to 2.10; short-term debt falls from €275,220 to €80,020.
30-06
Financial
Equity above €150,000Eq €159,650 ▲101%
2 profitable years in a row build equity to €159,650.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 131 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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
Directors
3 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, Dilbeek · 2 establishment units since 2003
Ground area
3,194 m²
Building footprint
315 m²
Volume, LiDAR
1,750 m³
2 parcels, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Kerkstraat 3, 1755 Pajottegem
since 20032.131.918.755
Thaborstraat 37, 1700 Dilbeek
since 20222.327.579.435
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23058B0014/00D002 | Flanders | 2,124 m² | 1 · 94 m² | 12.0 m · 3 fl. |
| 23016C0114/00T000 | Flanders | 1,070 m² | 1 · 221 m² | 7.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
51.08%
According to the annual accounts to 30-06-2025 of MOSAICS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. 35,540 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-04-2003
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
46423Wholesale of clothing, excluding workwear and underwear
73110Advertising agencies
73300Public relations and communication consultancy
74301Translation services
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0480061809
Also
9925:BE0480061809
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.