Full dossier in preparation
Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
Process with priority
Sign in free to move this company to the front.
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of MOUR-EXPRESS is 4.4% (elevated). The 2023 annual accounts show equity of €87k and a net result of €70k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 90% of 1816 sector peers (fiscal year 2023). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 6 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone4.4%
Elevated
0%0,5%1,5%4%10%≥25%
Higher-failure-rate sector
+Higher-failure-rate region
+Multiple establishment units
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
2 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 90% of 1816 peers (2023). A comfortable equity buffer.
View the sector comparison Growing equity
Equity grew over 2021-2023. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideAnnual accounts not filed
The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 377 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 21-09-2024, 52 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.
How we compute the deadline
The year end is derived from 6 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2023, that is 31-07-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | nothing on record | not filed | - |
| 31-12-2023 | 31-07-2024 | 21-09-2024 | 52 d late | 2024-00479674 |
| 31-12-2022 | 31-07-2023 | 31-10-2023 | 92 d late | 2023-00502559 |
| 31-12-2021 | 31-07-2022 | 30-12-2022 | 152 d late | 2022-20550082 |
| 31-12-2020 | 31-07-2021 | 30-09-2021 | 61 d late | 2021-69600373 |
| 31-12-2019 | 31-07-2020 | 31-10-2020 | 92 d late | 2020-69300521 |
| 31-12-2018 | 31-07-2019 | 30-08-2019 | 30 d late | 2019-59400296 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
Turnover€102k-40.7%
EBIT margin-9.0%+5.7pp
Net result€70k
Working capital€70k+805.0%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 21-09-2024 with the NBB · fiscal year 2023 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 6 fiscal years (±1%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2023 · NACE 49, Land transport · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 77.6% | 28.5% | |
| Net result | €70k | €4k | |
| Equity | €87k | €16k | |
| Gross operating margin | €117k | €25k | |
| Staff costs | €33k | €35k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P90
Weakening position over 2020-2023
· n=458-1816
P95
Stable position over 2020-2023
· n=455-1794
P88
Stable position over 2020-2023
· n=458-1827
P83
Stable position over 2020-2023
· n=453-1782
Describes the position versus peers, not a forecast.
€102k
-40.7%
18-23
€83k
+8194.4%
18-23
€70k
-
18-23
€83k
-
18-23
€113k
+130.9%
18-23
€87k
+399.8%
18-23
€70k
+805.0%
18-23
€33k
-39.6%
18-23
€4k
+746.7%
18-23
€25k
-19.4%
18-23
€25k
-20.2%
18-23
3.82
+205.8%
18-23
3.82
+205.8%
18-23
77.6%
+116.4%
18-23
0.29
-83.9%
18-23
80.0%
-
18-23
62.1%
-
18-23
-14.5%
+1.7%
18-23
1.0%
-
18-23
621.76
+84212.7%
18-23
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €83k |
| Net profit | €70k |
| Cash flow | €83k |
| Staff costs | €33k |
| Income taxes | - |
| Dividends | - |
| Total assets | €113k |
| Equity | €87k |
| Debt | €25k |
| of which ≤ 1y | €25k |
| of which > 1y | - |
| Working capital | €70k |
| Employees (FTE) | - |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 3.82 |
| Quick ratio | 3.82 |
| Working capital ratio | 62.5% |
| Solvency | 77.6% |
| Debt / equity | 0.29 |
| Long-term debt ratio | - |
| Interest coverage | 621.76 |
| Gross margin | - |
| Net margin | - |
| ROA | 62.1% |
| ROE | 80.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €113k |
| Fixed assets | 21/28 | €17k |
| Tangible fixed assets | 22/27 | €15k |
| Financial fixed assets | 28 | €2k |
| Current assets | 29/58 | €95k |
| Amounts receivable within one year | 40/41 | €57k |
| Cash & bank | 54/58 | €38k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €113k |
| Equity | 10/15 | €87k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €1k |
| Accumulated profits (losses) | 14 | €67k |
| Amounts payable | 17/49 | €25k |
| Amounts payable within one year | 42/48 | €25k |
| Trade debts payable within one year | 44 | €8k |
| Income statement | ||
| Gross operating margin | 9900 | €117k |
| Operating result | 9901 | €70k |
| Financial charges | 65 | €133 |
| Result before taxes | 9903 | €70k |
| Net result for the period | 9904 | €70k |
| Result to be appropriated | 9905 | €70k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed100
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Directors
Directors & mandates
8 directorsCurrent directors & mandates
-
Current08-10-2025 → present
-
Current02-12-2017 → present
3 events
- 24-05-2023 Appointed· Director
- 02-12-2017 Appointed· Manager
- 30-08-2017 Resigned· Manager
Permanent representatives (1)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
-
Permanent representative11-12-2017 → present
Former directors (6)
-
Former13-08-2025 → 14-08-2025
2 events
- 14-08-2025 Resigned· Director
- 13-08-2025 Appointed· Director
-
Former30-08-2017 → 01-07-2025
4 events
- 01-07-2025 Resigned· Director
- 17-02-2023 Appointed· Director
- 02-12-2017 Resigned· Manager
- 30-08-2017 Appointed· Manager
-
Former19-07-2022 → 01-01-2025
2 events
- 01-01-2025 Resigned· Director
- 19-07-2022 Appointed· Director
-
Former17-02-2023 → 30-03-2023
2 events
- 30-03-2023 Resigned· Director
- 17-02-2023 Appointed· Director
-
Former- → 30-08-2017
-
Former11-08-2017 → 30-08-2017
2 events
- 30-08-2017 Resigned· Manager
- 11-08-2017 Appointed· Manager
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Personenvervoer over de weg volgens dienstregeling(49310) |
| Legal form | Private limited company(610) |
| Incorporation | 11-08-2017 |
| Status | Active |
| Postal code | 1080 |
Structure & network
Connections & network
9 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
2 locationsMOUR-EXPRESS
since 20172.267.017.187
MOUR -EXPRESS
since 20202.331.939.683
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area78 m²
Buildings1
Building footprint78 m²
Volume (LiDAR)988 m³
Tallest building15.6 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21522B0468/00E009 | Brussels | 78 m² | 1 · 78 m² | 15.6 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
15 acts Capital history · 3
31-12-2019
v3.2
01-07-2019
v3.2
28-12-2017
v3.2
Address history · 3
11-10-2019
v3.2
06-06-2018
v3.2
12-03-2018
v3.2
All acts · 15
updated 9 months ago
2025
23-10-2025 1 director appointed, 1 resigning
27-08-2025 El Haddadi Samir appointed as director
01-07-2025 Articles of association amended
Summary:
v3.2
2023
24-05-2023 1 director appointed, 1 resigning
28-02-2023 2 directors appointed
2022
29-07-2022 EL ARAIBI MARWANE appointed as director
2019
31-12-2019 Transaction in capital or shares
Summary:
v3.2
11-10-2019 Registered office moved from Diegem to Machelen
01-07-2019 Transaction in capital or shares
Summary:
v3.2
2018
06-06-2018 Registered office moved from Brussel to Diegem
- Cail et Halot Straat 8, 1080 Brussel → Pegasuslaan 5, 1831 Diegem
Summary:
v3.2
12-03-2018 Registered office moved from Vilvoorde to Brussel
- Meeuwenlaan 114, 1800 Vilvoorde → Cail et Halot Straat 8, 1080 Brussel
Summary:
v3.2
2017
28-12-2017 Transaction in capital or shares
Summary:
v3.2
20-09-2017 1 director appointed, 3 resigning
- Ananouch Yassine, Zaakvoerder
- Ananouch, Ahmed, Zaakvoerder
- Laazizi Mustapha, Zaakvoerder
- Rami Mohamed, Zaakvoerder
Summary:
v3.2
05-09-2017 RAMI Mohamed appointed as manager
16-08-2017 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes90
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
100
Profitability
100
Solvency
100
Growth
52
Stability
100
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorBE 0438.763.068 · Retie
BE 0451.751.566 · Oostende
BE 0759.413.988 · Gent
BE 0777.645.634 · Oreye
BE 0669.921.095 · Lasne
We hold annual accounts for 126 of the 944 companies in this sector. 87 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Personenvervoer te land binnen steden of voorsteden49310Personenvervoer over de weg volgens dienstregeling49310Exploitatie van taxi's49320Diensten voor personenvervoer op aanvraag per voertuig met chauffeur49330Exploitatie van taxi's49320Personenvervoer over de weg zonder dienstregeling49320Diensten voor personenvervoer op aanvraag per voertuig met chauffeur49330Overig personenvervoer te land, n.e.g.49390
Primary activity highlighted.
Names & trade names
| Legal nameNL | MOUR-EXPRESS |
Registered office
Ransfortstraat 100
1080 Sint-Jans-Molenbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.