Turnover
≈ €130,000 estimated
The micro format states no turnover.
Mozaïc
Overview
Lifetime
1 annual account with figurespeak €21,178 (2025)
€21,178
peak €16,261 (2025)
€16,261
peak €16,261 (2025)
€16,261
€29,727
Board1 name since 2025
1 directorKALUBI Jean-Michel
Documentsfilings and deeds
04-06-202657 days before the deadline
2025micro format
Registered office moved from Ittre to Watermael-Boitsfort 23-04Incorporation 18-031 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsChecked score
88
Excellent
Financially stronger than 61% of micro companies in advertising and market research (NACE 73)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 11,230 companies (NACE 73, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 1.3%
05-2026: 1.3%● unchanged vs 04-2026
06-2026: 1.3%● unchanged vs 05-2026
07-2026: 1.5%▲ +0.2 percentage points vs 06-2026
08-2026: 1.5%● unchanged vs 07-2026
09-2026: 1.6%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.2%▼ -1.4 percentage points vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Founded in 2025
lowers risk
Liquidity: current ratio 1.55, cash €41,787
Sector: Advertising, market research and public relations activities (NACE 73)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 38% of them on solvency, 58% on liquidity and 88% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as Mozaïc has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Mozaïc itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for Mozaïc. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.55, above the usual 1.5. Short-term debt is 64.6% and cash 90.9% of total assets. However, 64.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
57 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1021045259
Registered office moved from Ittre to Watermael-Boitsfort
New registered office: Chaussée de la Hulpe 177/13, 1170 Watermael-Boitsfort (Bruxelles) · Previous registered office: Rue Emile Montoisy 2, 1460 Ittre · General meeting of 17-04-2025 · Gazette deed
Incorporation
Founding capital of €4,000, 400 shares · Founder: KALUBI Jean-Michel · Appointment: KALUBI Jean-Michel (director) · published on 18-03-2025 · Gazette deed
First establishment
Terhulpsesteenweg 177, Watermael-Boitsfort
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Mozaïc Watermael-Boitsfort | €45,987 | €21,178 | 35.4% | - |
| NJD CONSULTING Schaerbeek | €47,247 | €24,207 | 45.7% | - |
| LTP PUBLISHING Uccle | €48,350 | €22,138 | 32.8% | - |
| NUTRIMIND Uccle | €51,643 | €17,259 | 25.7% | - |
| Greet Vanderheyden Nazareth-De Pinte | €42,807 | €23,962 | 53.9% | - |
| Marides Ghent | €53,605 | €25,880 | 32.1% | - |
| BND Média Brussels | €40,143 | €16,535 | 27.7% | - |
These companies have the same main activity as Mozaïc: public relations and communication consultancy (NACE 73300). They are comparable in size and age: total assets between €40,100 and €53,600, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 14-03-2025Normal situation
- Registered office
- 304 active companies are registered at this address24 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Public relations and communication consultancyNACE 73300and 1 other
- Establishment unit
- 2.373.696.0071170 Watermael-Boitsfort, since 14-03-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 26-09-2025
Annual accounts 2025
- €21,178
- €16,261
- €16,261
- €45,987
- Filing
- Filed on 04-06-2026, 57 days before the end of the filing period
Insights on Mozaïc
Mozaïc has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,261 and a net result of €16,261.
Its solvency ranks better than 36% of 8,615 sector peers (NACE 73, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 04-06-2026, 57 days before the deadline€21,178
€21,178
€16,261
€16,261
35.4%
1.55
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €56,000 and €220,000.
Balance sheet
balance sheet total €45,987 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
35.4%
Higher than 36% of 8,615 companies in 2025.
1.55
Higher than 40% of 8,291 companies in 2025.
35.4%
Higher than 82% of 8,400 companies in 2025.
Mozaïc
Middle half of the sector
80% of the sector
Micro accounts in advertising and market research (NACE 73)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
45,987 | |
29/58 |
45,987 | |
40/41 |
4,200 | |
40 |
4,200 | |
54/58 |
41,787 | |
| Balance sheet: equity and liabilities | ||
10/49 |
45,987 | |
10/15 |
16,261 | |
14 |
16,261 | |
17/49 |
29,727 | |
42/48 |
29,727 | |
44 |
2,052 | |
440/4 |
2,052 | |
45 |
26,377 | |
450/3 |
13,577 | |
454/9 |
12,800 | |
47/48 |
1,297 | |
| Income statement | ||
9900 |
21,178 | |
9901 |
21,178 | |
65/66B |
149 | |
65 |
149 | |
9903 |
21,029 | |
67/77 |
4,769 | |
9904 |
16,261 | |
9905 |
16,261 | |
| Appropriation of the result | ||
9906 |
16,261 | |
| Document | ||
The notes to these accounts have 3 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 04-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 04-06-2026 | 2026-00143351 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 0 | ||
| 16,261 | ||
| 35.4% | ||
| 1.55 | ||
| 1.83 | ||
| 100.0% | ||
| 35.4% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Financial fixed assets | €0 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Mozaïc
Debt's share of the balance-sheet total is 64.6%.
Board & ownership
Board
1 director, since incorporationDirector
appointed by deed of 18-03-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 04-06-2026
Mandates through the years
1 name, the dashed line is todayKALUBI Jean-Michel
Director
Director
Board
Mandates as a list
- KALUBI Jean-Michel
- Director, appointed by deed of 18-03-2025, still in office
Control
Capital
- Contribution
- €4,000
- Shares
- 400
- Contribution per share
- €10
- Equity per share
- €40.65 in 2025
- Source
- deed of 18-03-2025
Articles of association
deed of 18-03-2025 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Shareholders
At incorporation
deed of 18-03-2025 ↗
- KALUBI Jean-Michel 400 shares (100%) · €4,000 in cash
Network & group
No group
Mozaïc has no parent and no holdings in its annual accounts. KALUBI Jean-Michel is the only director. Mozaïc shares no director with another company.
At the same address
Terhulpsesteenweg 177, 1170 Watermael-Boitsfort · 303 other companies| International Beverages Corporation
registered office since 01-12-1970 · founded in 1970 · group Heineken N.V. · accounts filed late |
35 FTE (2024) 0407.903.410 |
| PRIMARK
registered office since 23-07-2009 · founded in 2009 |
1,201 FTE (2025) 0817.296.264 |
| Société du Pré au Lion
registered office since 20-10-2011 · founded in 2011 |
total assets €215.3m (2025) 0840.453.728 |
| Franklin Finance International
registered office since 10-07-2012 · founded in 2012 |
total assets €111.4m (2025) 0847.275.697 |
| ATLANCE
registered office since 28-12-2001 · founded in 2001 · group ECONOCOM GROUP |
6.1 FTE (2025) 0476.489.635 |
| BARON INVESTMENTS
registered office since 17-06-2009 · founded in 2005 |
total assets €29.5m (2025) 0874.314.943 |
| RESIDE ETUDES BELGIUM
registered office since 18-02-2015 · founded in 2015 · negative equity (2025) |
total assets €24.8m (2025) 0598.753.680 |
| ASAPAN
registered office since 01-12-2015 · founded in 2015 |
total assets €24.4m (2025) 0643.736.738 |
| SOGECONDROZ
registered office since 01-01-1987 · founded in 1987 |
total assets €22.6m (2025) 0430.475.112 |
| BRICKS & LEISURE VASTGOED
registered office since 28-12-2012 · founded in 2012 · group UNIBRICKS · accounts filed late |
6.3 FTE (2024) 0508.774.007 |
Timeline
Timeline
5 events since 2025Filings
Establishments
Address
20252026
2026
Annual accounts 2025 filed NBBmicro format · 57 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1021045259
Registered office moved from Ittre to Watermael-BoitsfortNew registered office: Chaussée de la Hulpe 177/13, 1170 Watermael-Boitsfort (Bruxelles) · Previous registered office: Rue Emile Montoisy 2, 1460 Ittre · General meeting of 17-04-20253 points ▸
- General meeting, 17-04-2025
- Registered-office move, Chaussée de la Hulpe 177/13, 1170 Watermael-Boitsfort (Bruxelles)
- Amendment of the articles, article 2
- The deed holds 2 more points.
IncorporationFounding capital of €4,000, 400 shares · Founder: KALUBI Jean-Michel · Appointment: KALUBI Jean-Michel (director) · published on 18-03-20254 points ▸
- Founder, KALUBI Jean-Michel
- Founding capital, €4,000, 400 shares
- 400 shares
- Director appointment, KALUBI Jean-Michel
- The deed holds 3 more points.
First establishment Terhulpsesteenweg 177, Watermael-Boitsfort
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Mozaïc was incorporated on 14 March 2025 as a private limited company by one natural person, with a starting capital of €4,000.12 The registered office was moved to Watermael-Boitsfort in 2025.3 KALUBI Jean-Michel is director of the company, appointed by deed of 18-03-2025.2
Company details
Identity
- Enterprise number
- 1021.045.259
- VAT number
- BE 1021.045.259
- Peppol ID
- 0208:1021045259
- Other Peppol ID
- 9925:BE1021045259
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 14-03-2025
- Financial year
- ends on 31 December
- Peppol
- Reachable since 26-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Mozaïc in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 18-03-2025 (in French)
Activities
NACEBEL 202573300
Public relations and communication consultancy main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'accompagnement opérationnel et stratégique des projets d'affaires,socio-culturels,sportifs et de divertissement. Elle apporte une…”deed of 18-03-2025 (in French)
6 activities
- L'accompagnement opérationnel et stratégique des projets d'affaires,socio-culturels,sportifs et de divertissement. Elle apporte une méthodologie adaptée aux réalités locales,ainsi qu’un suivi terrain permettant d’optimiser la mise en œuvre et la pérennité des projets
- La promotion,la création,l’organisation de tous évènements,de séminaires,de colloques,de foires et salons,spectacles,réunions,conférences,incentives,team building ; ainsi que toutes activités commerciales et administratives y relatée
- Toutes affaires d’élaboration de campagne de communication,de publicité,de marketing,de récolte de fonds,y incluant la réalisation de tous supports,tel que l’édition,l’impression,la production,la vente de livres,brochures,objets publicitaires,enseignes,textiles
- Les relations publiques pour élaborer,produire,favoriser ou réaliser toute activité ou tout contrat relatif à la communication
- La communication audio-visuelle,sous toutes ses formes,y compris vidéo,cinéma,radio,internet,etcetera,sans aucune restriction
- Toute activité qui couvre le secteur de la consultance,et notamment toute contribution à l'établissement et au développement d'entreprises et en particulier de dispenser des avis techniques,commerciaux ou administratifs dans le sens le plus large du terme,à l'exception des conseils d’investissements au sens de la loi du 2 août 2002 relative à la surveillance du secteur financier et aux services financiers,fournir des conseils,son assistance et exécuter des services directement ou indirectement sur le plan de l'administration et des finances,de la vente,de la production,des techniques d’organisation et de distributions commerciales,et plus généralement de la gestion en général et de l’exercice de toutes activités de services et de management au sens le plus large de ces termes à toutes personnes physiques ou morales quelconques; exécuter tous mandats sous forme d'études d'organisation,d'expertises,d'actes et de conseils techniques ou autres dans tout domaine rentrant dans son objet
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Terhulpsesteenweg 177 registered office 1170 Watermael-Boitsfort | 14-03-2025 | 2.373.696.007 |
1 former office
- Rue Emile Montoisy 2, 1460 Ittre until the deed of 23-04-2025
Buildings and parcels at the address
- Ground area
- 5,127 m²
- Buildings
- 1,510 m²
- Volume, LiDAR
- 23,163 m³
- Tallest building
- 36.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21652E0039/00H003 | 5,127 m² | 1 · 1,510 m² | 36.3 m · 1 |