Liquidity
0.60 was 1.24 in 2024
Short-term debts fell from €15,505 to €12,807.
MOZAIIK
Overview
Lifetime
2 annual accounts with figures on one time axispeak €32,617 (2024)
€16,942▼ 48.1%
lowest -€12,091 (2025)
-€12,091▼ €14,129
peak €22,038 (2024)
€9,946▼ 54.9%
€12,807▼ 17.4%
Board3 names since 2023
2 directorsSHAMOUN Hanna and 1 other
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from €32,617 to €16,942Loss of €12,091Equity from €22,038 to €9,946Debts from €15,505 to €12,807Cash from €11,461 to €5,612
Key points
from the 2025 annual accountsBoard
1 joined · 1 left
Board changed. Latest change 01-08-2026 · 2 in office.
Position in the sector
-€12,091
Lower net result than 81% of companies in food and beverage service. Sector median €4,884 · 17,087 companies.
2025 accounts filed 28 days after the deadline
Checked score
51
Fair
Financially stronger than 35% of micro companies in food and beverage service (NACE 56)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,796 companies (NACE 56, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.0%
01-2025: 5.0%● unchanged vs 12-2024
02-2025: 5.5%▲ +0.5 percentage points vs 01-2025
03-2025: 5.5%● unchanged vs 02-2025
04-2025: 5.3%▼ -0.2 percentage points vs 03-2025
05-2025: 5.3%● unchanged vs 04-2025
06-2025: 5.6%▲ +0.3 percentage points vs 05-2025
07-2025: 5.8%▲ +0.2 percentage points vs 06-2025
08-2025: 5.8%● unchanged vs 07-2025highest value
09-2025: 1.9%▼ -3.9 percentage points vs 08-2025
10-2025: 1.9%● unchanged vs 09-2025
11-2025: 1.9%● unchanged vs 10-2025
12-2025: 1.9%● unchanged vs 11-2025
01-2026: 1.9%● unchanged vs 12-2025
02-2026: 1.9%● unchanged vs 01-2026lowest value
03-2026: 2.0%▲ +0.1 percentage points vs 02-2026
04-2026: 2.1%▲ +0.1 percentage points vs 03-2026
05-2026: 2.1%● unchanged vs 04-2026
06-2026: 2.0%▼ -0.1 percentage points vs 05-2026
07-2026: 2.2%▲ +0.2 percentage points vs 06-2026
08-2026: 2.8%▲ +0.6 percentage points vs 07-2026
09-2026: 2.6%▼ -0.2 percentage points vs 08-2026
10-2026: 2.6%● unchanged vs 09-2026
11-2026: 2.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Founded in 2023
lowers risk
Liquidity: current ratio 0.60, cash €5,612, halved
Equity €9,946 (43.7% of total assets)
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 56, micro). It does better than 62% of them on solvency, 55% on liquidity, 8% on profitability and 13% on growth.
The bankruptcy probability was computed on 07-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 3,223 companies had the same profile as MOZAIIK has now. Each dot stands for 9 companies, two years later.
87.8%
were still trading
8.7%
stopped another way
3.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of MOZAIIK itself: 2.6% 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 3,223 companies, not a prediction for MOZAIIK. 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 €500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.6 (1.24 in 2024), below 1. Short-term debt is 56.3% and cash 24.7% of total assets. 56.3% 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 risk
raises risk · 2025 accounts filed 28 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
28 days late
2024
29 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 29 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- CHABO Gabriel 75 sharesdeed of 28-10-2026
- HANNA Sally 25 sharesdeed of 28-10-2026
Recent changes
1 director appointed, 2 resignations
Transfer of 50 shares from TOROS Diana to CHABO Gabriel · Transfer of 25 shares from SHAMOUN Hanna to CHABO Gabriel · Transfer of 25 shares from SHAMOUN Hanna to HANNA Sally · General meeting of 31-07-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0803682513
Transfer of 50 shares from Shamoun Hanna to Diana-Toros
Appointment: Diana-Toros (director) · Shamoun Hanna holds 100 shares · Shamoun Hanna holds 50 shares · Gazette deed
Incorporation
Founding capital of €20,000, 100 shares · Founder: SHAMOUN Hanna (comparant/fondateur) · Appointment: SHAMOUN Hanna (director) · published on 10-07-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| MOZAIIK Auderghem | €22,754 | €16,942 | 43.7% | - |
| MAHA BXL.CO Anderlecht | €24,000 | €19,115 | 32.8% | - |
| BELLON Dilbeek | €22,979 | €18,536 | 47.8% | - |
| IL FORNO LIEGE Liège | €20,899 | €19,967 | 63.4% | - |
| TINY Willebroek | €20,158 | €18,357 | -475.2% | - |
| LAGY Brussels | €20,793 | €13,829 | -39.0% | - |
| CHAI Brussels | €23,424 | €18,767 | 89.5% | - |
These companies have the same main activity as MOZAIIK: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €20,200 and €24,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 06-07-2023Normal situation
- Activity
- Full-service restaurantsNACE 56111and 1 other
- Establishment unit
- 2.348.596.6621160 Auderghem, since 06-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 24-12-2025
Annual accounts 2025
- €16,942▼ 48.1%
- ≈ €180,000estimated
- €12,091
- €9,946▼ 54.9%
- €22,754▼ 39.4%
- ≈ 1 FTEestimated
- Filing
- Filed on 28-08-2026
Insights on MOZAIIK
The computed 12-month bankruptcy probability of MOZAIIK is 2.6% (moderate). The annual accounts of MOZAIIK for financial year 2025 show a net loss of 53% of total assets and of 55% of the equity at the start of that year.
The 2025 annual accounts show equity of €9,946 and a net result of -€12,091. Its solvency ranks better than 62% of 17,111 sector peers (NACE 56, financial year 2025).
The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 28-08-2026, 28 days late€16,942
▼ 48.1%
-€9,904
▼ €12,643
-€12,091
▼ €14,129
-€5,073
▼ €8,791
43.7%
▼ 15.0 percentage points
0.60
▼ 0.64
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 ≈ €180,000. Estimated: probably between €87,000 and €350,000.
Balance sheet
balance sheet total €22,754 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
43.7%
Higher than 62% of 17,111 companies in 2025.
0.60
Higher than 29% of 16,538 companies in 2025.
-53.1%
Higher than 7% of 16,621 companies in 2025.
MOZAIIK
Middle half of the sector
80% of the sector
Micro accounts in food and beverage service (NACE 56)
Net result: bottom quarter · 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 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
22,754 | 37,542 | |
21/28 |
15,020 | 18,320 | |
22/27 |
9,900 | 13,200 | |
23 |
9,900 | 13,200 | |
28 |
5,120 | 5,120 | |
29/58 |
7,734 | 19,222 | |
3 |
1,894 | 1,944 | |
30/36 |
1,894 | 1,944 | |
40/41 |
228 | 5,817 | |
40 |
- | 5,511 | |
41 |
228 | 306 | |
54/58 |
5,612 | 11,461 | |
| Balance sheet: equity and liabilities | |||
10/49 |
22,754 | 37,542 | |
10/15 |
9,946 | 22,038 | |
10/11 |
20,000 | 20,000 | |
14 |
-10,054 | 2,038 | |
17/49 |
12,807 | 15,505 | |
42/48 |
12,807 | 15,505 | |
44 |
2,404 | 8,832 | |
440/4 |
2,404 | 8,832 | |
45 |
10,403 | 6,186 | |
450/3 |
7,804 | 4,897 | |
454/9 |
2,599 | 1,289 | |
47/48 |
- | 487 | |
| Income statement | |||
9900 |
16,942 | 32,617 | |
62 |
22,717 | 24,999 | |
630 |
3,300 | 3,300 | |
640/8 |
753 | 1,033 | |
66A |
76 | 546 | |
9901 |
-9,904 | 2,739 | |
75/76B |
26 | 34 | |
75 |
26 | 34 | |
65/66B |
296 | 226 | |
65 |
296 | 226 | |
9903 |
-10,173 | 2,547 | |
67/77 |
1,918 | 509 | |
9904 |
-12,091 | 2,038 | |
9905 |
-12,091 | 2,038 | |
| Appropriation of the result | |||
9906 |
-10,054 | 2,038 | |
14P |
2,038 | - | |
| Document | |||
The notes to these accounts have 5 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 28-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 28 days after the deadline. Filed on 28 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00440570.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| -6,604 | 6,039 | ||
| -8,791 | 5,337 | ||
| 0 | 21,620 | ||
| -5,849 | - | ||
| -5,073 | 3,718 | ||
| 43.7% | 58.7% | ||
| 0.60 | 1.24 | ||
| 0.46 | 1.11 | ||
| 1.29 | 0.70 | ||
| -121.6% | 9.2% | ||
| -53.1% | 5.4% | ||
| -22.30 | 26.68 |
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 | 2024 |
|---|---|---|
| Tangible fixed assets | - | €16,500 |
| Financial fixed assets | - | €5,120 |
| €3,300 | €3,300 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on MOZAIIK
The operating result for 2025 is a loss of €9,904, after a profit of €2,739 in 2024.
Debt's share of the balance-sheet total rises from 41.3% to 56.3%. Equity and debt are lower.
Board & ownership
Board
2 directors, no change since August 2026Director (not named in the articles)
appointed by deed of 07-09-2023
term without a fixed end
earlier director, until 31-07-2026
Mandates through the years
3 names, the dashed line is todayDiana-Toros
Director (not named in the articles)
Director (not named in the articles)
HANNA Sally
Director
Director
SHAMOUN Hanna
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
- Diana-Toros
- Director (not named in the articles), appointed by deed of 07-09-2023, until 31-07-2026
- Director (not named in the articles), appointed by deed of 07-09-2023, still in office
- HANNA Sally
- Director, appointed by deed of 28-10-2026, still in office
- SHAMOUN Hanna
- Director (not named in the articles), appointed by deed of 10-07-2023, until 31-07-2026
Control
Capital
- Contribution
- €20,000
- Shares
- 100
- Contribution per share
- €200
- Equity per share
- €99.46 in 2025
- Source
- deed of 10-07-2023
Articles of association
deed of 10-07-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs proportionnellement si plusieurs”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of June at 16:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Dissolution pour quelque cause et à quelque moment que ce soit, peut désigner un ou plusieurs liquidateurs et déterminer pouvoirs et…”
Shareholders
Stated in the deed
deed of 28-10-2026 ↗
- CHABO Gabriel 75 shares
- HANNA Sally 25 shares
Share transfer
deed of 28-10-2026 ↗
- TOROS Diana to CHABO Gabriel 50 shares
- SHAMOUN Hanna to CHABO Gabriel 25 shares
- SHAMOUN Hanna to HANNA Sally 25 shares
Stated in the deed
deed of 07-09-2023 ↗
- Shamoun Hanna 100 shares
- Diana-Toros 50 shares
Share transfer
deed of 07-09-2023 ↗
- Shamoun Hanna to Diana-Toros 50 shares
At incorporation
deed of 10-07-2023 ↗
- SHAMOUN Hanna 100 shares (100%) · €20,000
Network & group
No group
MOZAIIK has no parent and no holdings in its annual accounts. MOZAIIK shares no director with another company.
Timeline
Timeline
7 events since 2023Board
Capital
Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
1 director appointed, 2 resignationsTransfer of 50 shares from TOROS Diana to CHABO Gabriel · Transfer of 25 shares from SHAMOUN Hanna to CHABO Gabriel · Transfer of 25 shares from SHAMOUN Hanna to HANNA Sally · General meeting of 31-07-202611 points ▸
- General meeting, 31-07-2026
- Share transfer, TOROS Diana → CHABO Gabriel, 50 shares
- Share transfer, SHAMOUN Hanna → CHABO Gabriel, 25 shares
- Share transfer, SHAMOUN Hanna → HANNA Sally, 25 shares
- Director resignation, TOROS Diana
- Director resignation, SHAMOUN Hanna
- Director discharge, TOROS Diana
- Director discharge, SHAMOUN Hanna
- Director appointment, HANNA Sally
- CHABO Gabriel holds 75 shares
- HANNA Sally holds 25 shares
Annual accounts 2025 filed NBBmicro format · 28 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0803682513
Annual accounts 2024 filed PDFmicro format · 29 days late
2023
Transfer of 50 shares from Shamoun Hanna to Diana-TorosAppointment: Diana-Toros (director) · Shamoun Hanna holds 100 shares · Shamoun Hanna holds 50 shares5 points ▸
- Director appointment, Diana-Toros (director (not named in the articles))
- Share transfer, Shamoun Hanna → Diana-Toros, 50 shares
- Shamoun Hanna holds 100 shares
- Shamoun Hanna holds 50 shares
- Diana-Toros holds 50 shares
- The deed holds 2 more points.
IncorporationFounding capital of €20,000, 100 shares · Founder: SHAMOUN Hanna (comparant/fondateur) · Appointment: SHAMOUN Hanna (director) · published on 10-07-20236 points ▸
- Founder, SHAMOUN Hanna (comparant/fondateur)
- Founding capital, €20,000, 100 shares
- 100 shares
- Registered office clause, Chaussée de Wavre 1591, 1160 Auderghem
- Board rule, 1
- Director appointment, SHAMOUN Hanna (director (not named in the articles))
- The deed holds 5 more points.
First establishment Waverse steenweg 1591, Auderghem
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0803.682.513
- VAT number
- BE 0803.682.513
- Peppol ID
- 0208:0803682513
- Other Peppol ID
- 9925:BE0803682513
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 06-07-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Monday of June at 16:00deed of 10-07-2023 (in French)
- Peppol
- Reachable since 24-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- MOZAIIK in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 10-07-2023 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 10-07-2023 (in French)
Activities
NACEBEL 2025VAT activities
56111
Full-service restaurants main activity
Social security (RSZ) activities
56112
Limited-service restaurants, excluding mobile food services main activity
Codes under NACEBEL 2008
VAT activities
56101
Full-service restaurants main activity
Social security (RSZ) activities
56102
Limited-service restaurants main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Horeca; Esthétique/coiffure; Achat/vente occasions; Construction,achat,vente,location de biens meubles et immeubles et promotion immobilière”deed of 10-07-2023 (in French)
4 activities
- Horeca
- Esthétique/coiffure
- Achat/vente occasions
- Construction,achat,vente,location de biens meubles et immeubles et promotion immobilière
Registered office and establishments
1 establishment| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Waverse steenweg 1591 registered office 1160 Auderghem 56112 Limited-service restaurants, excluding mobile food services | 06-07-2023 | 2.348.596.662 | Restaurant |
Buildings and parcels at the address
- Ground area
- 173 m²
- Buildings
- 173 m²
- Volume, LiDAR
- 1,484 m³
- Tallest building
- 12.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21002A0091/00Y022 | 173 m² | 1 · 173 m² | 12.3 m · 3 |
Recognitions
Food safety, FASFC
1 siteAuderghemunit number 2.348.596.662