MozaVer
ActiveSummary
MozaVer has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.6m and a net result of €542,340. Equity is growing by about 25% per year across the filed financial years. Its solvency ranks better than 92% of 9,810 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Equity
- €1.6m
- Profit
- €542,340
- HOES Viviane Mathilde Francine LouisaDirector
- VERBRUGGEN Ivan LudovicusDirector
Why 98raises riskSector: Specialised construction activities (NACE 43)lowers riskFigures for financial year 2025 (filed 29-06-2026)Size: total assets €1.9mFounded in 2010Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 43, micro): better than 90% on solvency, 56% on liquidity, 92% on profitability and 83% on growth.
The bankruptcy probability was computed on 27-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 29 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Highest result from 2018 to 2025net €542,340 ▲250%
- Annual accounts filedfinancial year 2024 · abbreviated…
Financials · financial year 2025, abbreviated format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is nearly 3.5 times 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 96.5% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 17,811 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €44,095 | €31,216 | €3,822 | - | €93 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €58,444 | €57,365 | €52,138 | €53,469 | €63,144 | €52,760 | €65,119 | €55,895 | ▼ 14.2% |
| Other operating charges640/8 | - | - | - | €5,147 | €5,417 | €4,865 | €11,113 | €5,578 | ▼ 49.8% |
| Non-recurring operating charges66A | - | - | - | - | €250 | - | - | - | - |
| Gross operating margin9900 | €176,073 | €190,336 | €225,766 | €371,542 | €489,519 | €353,389 | €282,415 | €773,574 | ▲ 174% |
| Operating profit (loss)9901 | €112,728 | €128,315 | €162,203 | €268,830 | €389,491 | €291,943 | €206,183 | €712,008 | ▲ 245% |
| Financial income75/76B | - | - | - | €8,265 | €10,217 | €13,132 | €21,674 | €68,055 | ▲ 214% |
| Recurring financial income75 | €4,654 | €3,604 | €4,825 | €8,265 | €10,217 | €13,132 | €21,674 | €68,055 | ▲ 214% |
| Financial charges65/66B | - | - | - | €3,620 | €37,310 | €3,231 | €4,106 | €2,847 | ▼ 30.7% |
| Recurring financial charges65 | €4,285 | €3,838 | €3,535 | €3,620 | €36,810 | €3,231 | €4,106 | €2,847 | ▼ 30.7% |
| Non-recurring financial charges66B | - | - | - | - | €500 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €115,097 | €130,289 | €163,492 | €273,475 | €362,399 | €301,843 | €223,751 | €777,216 | ▲ 247% |
| Income taxes67/77 | €32,583 | €37,111 | €47,058 | €82,445 | €90,558 | €93,092 | €68,619 | €234,876 | ▲ 242% |
| Profit (loss) for the period9904 | €82,514 | €93,178 | €116,434 | €191,030 | €271,841 | €208,751 | €155,132 | €542,340 | ▲ 250% |
| Profit (loss) for the period to be appropriated9905 | €77,229 | €93,178 | €122,081 | €191,030 | €271,841 | €208,751 | €155,132 | €542,340 | ▲ 250% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.6m | €0.7m | €0.9m | €1.0m | €1.1m | €1.3m | €1.3m | €1.9m | ▲ 40.1% |
| Fixed assets21/28 | €0.2m | €0.2m | €0.2m | €0.2m | €0.3m | €0.3m | €0.3m | €0.2m | ▼ 32.6% |
| Intangible fixed assets21 | €313 | €63 | - | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €0.2m | €0.2m | €0.2m | €0.2m | €0.3m | €0.3m | €0.3m | €0.2m | ▼ 32.6% |
| Land and buildings22 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.08m | ▼ 17.0% |
| Plant, machinery and equipment23 | - | - | - | €0.004m | €0.01m | €0.01m | €0.01m | - | - |
| Furniture and vehicles24 | - | - | - | €0.1m | €0.09m | €0.2m | €0.1m | €0.07m | ▼ 42.6% |
| Other tangible fixed assets26 | - | - | - | €0.003m | €0.03m | €0.03m | €0.03m | €0.03m | ▼ 14.8% |
| Financial fixed assets28 | €65 | €105 | €105 | €105 | €105 | €105 | €105 | €105 | = |
| Current assets29/58 | €0.4m | €0.5m | €0.7m | €0.8m | €0.9m | €1.0m | €1.1m | €1.7m | ▲ 58.7% |
| Amounts receivable after more than one year29 | - | - | - | - | - | €0.3m | €0.3m | €0.3m | = |
| Trade receivables290 | - | - | - | - | - | €0.3m | €0.3m | €0.3m | = |
| Stocks and contracts in progress3 | €0.003m | €0.02m | €0.02m | €0.04m | €0.05m | €0.05m | €0.05m | - | - |
| Stocks30/36 | - | - | - | €0.04m | €0.05m | €0.05m | €0.05m | - | - |
| Amounts receivable within one year40/41 | €0.02m | €0.02m | €0.03m | €0.05m | €0.08m | €0.08m | €0.08m | €0.4m | ▲ 330% |
| Trade receivables40 | - | - | - | €0.03m | €0.03m | €0.02m | €0.03m | €0.2m | ▲ 382% |
| Other amounts receivable41 | - | - | - | €0.01m | €0.05m | €0.06m | €0.05m | €0.2m | ▲ 296% |
| Current investments50/53 | - | - | - | - | €0.05m | €0.3m | €0.5m | €0.9m | ▲ 68.2% |
| Cash at bank and in hand54/58 | €0.4m | €0.5m | €0.6m | €0.7m | €0.7m | €0.3m | €0.09m | €0.1m | ▲ 46.8% |
| Deferred charges and accrued income490/1 | - | - | - | €0.003m | €0.004m | €0.006m | €0.006m | €0.007m | ▲ 20.7% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.6m | €0.7m | €0.9m | €1.0m | €1.1m | €1.3m | €1.3m | €1.9m | ▲ 40.1% |
| Equity10/15 | €0.3m | €0.4m | €0.5m | €0.7m | €0.8m | €1.0m | €1.1m | €1.6m | ▲ 51.1% |
| Contributions10/11 | €0.02m | €0.02m | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | = |
| Contributions outside capital11 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | - | - |
| Other1109/19 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | - | - |
| Reserves13 | €0.3m | €0.4m | €0.4m | €0.6m | €0.8m | €1.0m | €1.0m | €1.6m | ▲ 52.0% |
| Non-distributable reserves130/1 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Distributable reserves133 | - | - | - | €0.6m | €0.8m | €1.0m | €1.0m | €1.6m | ▲ 52.0% |
| Provisions and deferred taxes16 | €0.006m | €0.007m | €0.007m | €0.007m | - | - | - | - | - |
| Provisions for liabilities and charges160/5 | - | - | - | €0.007m | - | - | - | - | - |
| Environmental obligations163 | - | - | - | €0.007m | - | - | - | - | - |
| Amounts payable17/49 | €0.3m | €0.3m | €0.4m | €0.4m | €0.3m | €0.3m | €0.3m | €0.3m | ▼ 2.9% |
| Amounts payable after more than one year17 | €0.2m | €0.2m | €0.1m | €0.1m | €0.2m | €0.1m | €0.1m | €0.07m | ▼ 35.5% |
| Financial debts170/4 | - | - | - | €0.1m | €0.2m | €0.1m | €0.1m | €0.07m | ▼ 35.5% |
| Amounts payable within one year42/48 | €0.09m | €0.1m | €0.2m | €0.2m | €0.2m | €0.1m | €0.2m | €0.2m | ▲ 17.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.02m | €0.03m | €0.04m | €0.04m | €0.04m | ▲ 1.4% |
| Trade debts44 | €0.006m | €0.03m | €0.01m | €0.01m | €0.004m | €0.01m | €0.03m | €0.1m | ▲ 299% |
| Suppliers440/4 | - | - | - | €0.01m | €0.004m | €0.01m | €0.03m | €0.1m | ▲ 299% |
| Advances received on contracts in progress46 | - | - | - | €0.1m | €0.09m | €0.09m | €0.09m | - | - |
| Taxes, remuneration and social security45 | - | - | - | €0.06m | €0.03m | €0.005m | €0.01m | €0.04m | ▲ 225% |
| Taxes450/3 | - | - | - | €0.06m | €0.03m | €0.003m | €0.01m | €0.04m | ▲ 288% |
| Remuneration and social security454/9 | - | - | - | - | €0.002m | €0.002m | €0.002m | - | - |
| Other amounts payable47/48 | - | - | - | €0.001m | €0.001m | €0.001m | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | - | - | €331 | €8 | ▼ 97.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €82,514 | €93,178 | €116,434 | €191,030 | €271,841 | €208,751 | €155,132 | €542,340 | ▲ 250% |
| + Depreciation and write-downs630 | €58,444 | €57,365 | €52,138 | €53,469 | €63,144 | €52,760 | €65,119 | €55,895 | ▼ 14.2% |
| Operating cash flow (approximation) | €140,958 | €150,542 | €168,572 | €244,499 | €334,985 | €261,511 | €220,251 | €598,235 | ▲ 172% |
| Investment in fixed assets (approximation) | - | -€73,648 | -€12,075 | -€93,176 | -€81,159 | -€108,522 | -€24,518 | €33,072 | - |
| Change in cash | - | €94,223 | €139,535 | €102,686 | -€1,065 | -€401,312 | -€206,335 | €42,302 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 15 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 29-06-2026 | 2026-00234158 |
| 31-12-2024 | abbreviated format | 30-06-2025 | 2025-00228857 |
| 31-12-2023 | abbreviated format | 07-06-2024 | 2024-00114186 |
| 31-12-2022 | abbreviated format | 09-06-2023 | 2023-00115875 |
| 31-12-2021 | abbreviated format | 02-05-2022 | 2022-20018879 |
| 31-12-2020 | abbreviated format | 27-07-2021 | 2021-41000295 |
| 31-12-2019 | abbreviated format | 30-09-2020 | 2020-57500365 |
| 31-12-2018 | abbreviated format | 31-07-2019 | 2019-41500122 |
| 31-12-2017 | abbreviated format | 29-06-2018 | 2018-26000189 |
| 31-12-2016 | abbreviated format | 18-07-2017 | 2017-32900230 |
Similar companies · same sector, comparable size
Subsidies and aid
Flemish government
2023 to 2025 · 3 entries · €2,709 awarded · €2,709 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €2,420 | €2,420 |
| 2024 | 1 | €124 | €124 |
| 2023 | 1 | €165 | €165 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| HOES Viviane Mathilde Francine Louisa |
|
| VERBRUGGEN Ivan Ludovicus |
|
Owners and capital
Capital and shareholders
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 30-11-2023 Converted to unavailable equity
- 30-11-2023 Converted to unavailable equity
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
30-11
Gazette deed
Resignations: VERBRUGGEN Ivan Ludovicus (manager) and HOES Viviane Mathilde Francine Louisa (manager)Appointments: VERBRUGGEN Ivan Ludovicus (director) and HOES Viviane Mathilde Francine Louisa (director) · Amendment of the articles · Capital conversion17 facts ▸
- General meeting, 20-11-2023
- Amendment of the articles (2 times)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Capital conversion, “vormen en meerderheden van de statutenwijziging, opheffing” (deed in Dutch)
- Purpose change
- Other provision, “verslag wijziging voorwerp, voorzitter eenstemmig ontslagen lezing te geven van verslag bestuurder met omstandige rechtvaardiging” (deed in Dutch)
- Other provision, 3720, “splitsing aandelen” (deed in Dutch)
- Other provision, “verslag artikel 5:102 Wetboek van vennootschappen en verenigingen, voorzitter eenstemmig ontslagen lezing te geven van verslag bestuurder met uiteenzetting wijz…” (deed in Dutch)
- Kind of shares, 3720, “Zesde beslissing:voorstel tot soortvorming” (deed in Dutch)
- Shareholding, 210, 1650 (2 times)
- Power of attorney, Hans Derache
- Director resignation, VERBRUGGEN Ivan Ludovicus (manager)
- +5 further facts in this act
About the unread acts
Of the 4 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 27 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 0827.438.605
Recognitions · licences · registrations
Legal Entity Identifier
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71363C1694/00K000 | Flanders | 1,522 m² | 1 · 157 m² | 9.7 m · 2 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, 2” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- 2 provisions in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “3720, 420” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- “TITEL V. ALGEMENE VERGADERING Artikel 18. Organisatie en bijeenroeping van de algemene vergadering Ieder jaar wordt een gewone algemene…” (deed in Dutch)
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- One provision in the deed
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Indien geen andere vereffenaar zou zijn benoemd, bestuurder(s) in functie” (deed in Dutch)