TEGELS - MOCO
ActiveTEGELS - MOCO has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €-19k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 86% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-28
Solvency100=
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.85 against 3.58 in 2024), and 21.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.1%
Return on assets
-15.4%
Age of the figures
8 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
24 d early
2023
28 d early
2022
25 d early
2021
30 d early
2020
23 d early
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▼ 36.7%
2024 · €150k
2018: €127k
2019: €152k
2020: €165k
2021: €175k
2022: €152k
2023: €142k
2024: €150k
2018 → 2025
Total assets
€122k▼ 41.5%
2024 · €208k
2018: €164k
2019: €197k
2020: €206k
2021: €242k
2022: €227k
2023: €195k
2024: €208k
2018 → 2025
Net result
€-19k
2024 · €8k
2018: €8k
2019: €25k
2020: €13k
2021: €10k
2022: €8k
2023: €-10k
2024: €8k
2018 → 2025
Working capital
€76k▼ 49.1%
2024 · €149k
2018: €119k
2019: €144k
2020: €118k
2021: €140k
2022: €130k
2023: €131k
2024: €149k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€175k-€152k▼ 13.1%€142k▼ 6.7%€150k▲ 5.8%€95k▼ 36.7%
Operating result€17k-€12k▼ 30.0%€-10k€15k€-20k
Net result€10k-€8k▼ 25.9%€-10k€8k€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20k after €15k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€19k▲ 2,240%
Current assets
€103k▼ 50.4%
Equity and liabilities €122k
Equity
€95k▼ 36.7%
Debt
€27k▼ 54.0%
The debt ratio falls from 27.8% to 21.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-18k▼
2024 · €26k
Cash flow
€-17k▼
2024 · €18k
Solvency
78.1%▲
2024 · 72.2%
Current ratio
3.85▲
2024 · 3.58
Quick ratio
3.29▼
2024 · 3.35
Debt / equity
0.28▼
2024 · 0.39
ROE
-19.7%▼
2024 · 5.5%
ROA
-15.4%▼
2024 · 4.0%
Interest coverage
-21.23▼
2024 · 35.88
Debt
€27k▼
2024 · €58k
Debt ≤ 1 year
€27k▼
2024 · €58k
Income taxes
€570▼
2024 · €7k
Staff costs
€105k▲
2024 · €99k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€208k€122k▼
Fixed assets21/28€807€19k▲
Tangible fixed assets22/27€807€19k▲
Land and buildings22-€4k
Furniture and vehicles24€807€14k▲
Current assets29/58€207k€103k▼
Stocks and contracts in progress3€13k€15k▲
Stocks30/36€13k€15k▲
Amounts receivable within one year40/41€167k€9k▼
Trade receivables40€151k€4k▼
Other amounts receivable41€16k€5k▼
Cash at bank and in hand54/58€24k€76k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€208k€122k▼
Equity10/15€150k€95k▼
Contributions10/11€19k€19k=
Reserves13€133k€97k▼
Non-distributable reserves130/1€11k€11k=
Own shares acquired1312€11k€11k=
Distributable reserves133€123k€86k▼
Profit (loss) carried forward14€-2k€-20k▼
Amounts payable17/49€58k€27k▼
Amounts payable within one year42/48€58k€27k▼
Trade debts44€28k€5k▼
Suppliers440/4€28k€5k▼
Taxes, remuneration and social security45€8k€12k▲
Taxes450/3€8k€11k▲
Remuneration and social security454/9€476€1k▲
Other amounts payable47/48€22k€9k▼
Income statement
Code20242025
Non-recurring operating income76A-€744
Remuneration, social security and pensions62€99k€105k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€2k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€128k€90k▼
Operating profit (loss)9901€15k€-20k▼
Financial income75/76B€576€2k▲
Recurring financial income75€576€2k▲
Financial charges65/66B€713€847▲
Recurring financial charges65€713€847▲
Profit (loss) for the period before taxes9903€15k€-18k▼
Income taxes67/77€7k€570▼
Profit (loss) for the period9904€8k€-19k▼
Profit (loss) for the period to be appropriated9905€8k€-19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-20k▼
Profit (loss) brought forward from the previous period14P€-10k€-2k▲
Transfer from equity791/2-€36k
Profit to be distributed694/7-€36k
Return on contributions (dividend)694-€36k
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-19k ▼326%
Net result drops to €-19k, the lowest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial
Equity above €150kEq €150k ▲5.8%
Equity rises from €142k to €150k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €25k ▲211%
Operating result €35k, net result €25k, both a record.
31-12
Financial
Equity above €150kEq €152k ▲19.4%
2 profitable years in a row build equity to €152k.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
01-08-2025
Lucien Monnissen: Resigned as Director
28-07-2023
Lucien Monnissen: Resigned as Manager
28-07-2023
MONNISSEN Yolanda Marcella: Resigned as Manager
Location & real-estate footprint
Registered office, Maasmechelen · 1 establishment unit since 1979
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Hegstraat(B) 373631 MaasmechelenGround area
1,427 m²
Building footprint
240 m²
Volume, LiDAR
1,255 m³
Parcel 73008B0665/00K000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TEGELS-MOCO
since 19792.016.458.467
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73008B0665/00K000 | Flanders | 1,427 m² | 1 · 240 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Trossaert Tim
BE 0779.323.932
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IVD-Reno
BE 0899.182.971
Rijkevorsel · Eq €95k
ENTREPRISES LAURENT MANOUVRIER
BE 0834.063.606
Ath · Eq €95k
ONDERNEMING HAELWAETERS J.
BE 0438.460.487
Grimbergen · Eq €94k
SVIM
BE 0842.888.824
Ans · Eq €96k
Of 3,934 companies in sector 43331 we hold annual accounts for 1,776. 1,543 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-1979
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 47 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.