Moro Cassiano
ActiveMoro Cassiano has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €126k. Equity is shrinking by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 2224 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 10.99 against 14.4 in 2024), and 7.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
92.3%
Return on assets
77.2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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.
NBB · 7 filingsDeviation from the deadline
2025
17 d late
2024
29 d late
2023
30 d late
2022
34 d early
2021
34 d early
2020
29 d early
2019
61 d late
← 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€151k▼ 8.3%
2024 · €165k
2022: €507k
2023: €160k
2024: €165k
2022 → 2025
Total assets
€164k▼ 6.2%
2024 · €174k
2022: €542k
2023: €382k
2024: €174k
2022 → 2025
Net result
€126k▼ 13.0%
2024 · €145k
2022: €146k
2023: €140k
2024: €145k
2022 → 2025
Working capital
€126k▼ 3.1%
2024 · €130k
2022: €502k
2023: €112k
2024: €130k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€507k-€160k▼ 68.5%€165k▲ 3.2%€151k▼ 8.3%
Operating result€188k-€181k▼ 4.0%€187k▲ 3.7%€162k▼ 13.3%
Net result€146k-€140k▼ 4.0%€145k▲ 3.7%€126k▼ 13.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €164k
Fixed assets
€25k▼ 28.2%
Current assets
€139k▼ 0.8%
Equity and liabilities €164k
Equity
€151k▼ 8.3%
Debt
€13k▲ 29.9%
The debt ratio rises from 5.6% to 7.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€175k▼
2024 · €200k
Cash flow
€139k▼
2024 · €158k
Solvency
92.3%▼
2024 · 94.4%
Current ratio
10.99▼
2024 · 14.40
Quick ratio
10.99▼
2024 · 14.40
Debt / equity
0.08▲
2024 · 0.06
ROE
83.7%▼
2024 · 88.2%
ROA
77.2%▼
2024 · 83.2%
Interest coverage
629.63▼
2024 · 772.41
Debt
€13k▲
2024 · €10k
Debt ≤ 1 year
€13k▲
2024 · €10k
Income taxes
€36k▼
2024 · €42k
Staff costs
€37k▲
2024 · €36k
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
Total assets
20/58€174k€164k▼
Fixed assets
21/28€34k€25k▼
Tangible fixed assets
22/27€34k€25k▼
Current assets
29/58€140k€139k▼
Amounts receivable within one year
40/41€9k€12k▲
Cash & bank
54/58€131k€125k▼
Total equity & liabilities
10/49€174k€164k▼
Equity
10/15€165k€151k▼
Contributions / capital
10/11€19k€19k=
Accumulated profits (losses)
14€146k€132k▼
Amounts payable
17/49€10k€13k▲
Amounts payable within one year
42/48€10k€13k▲
Trade debts payable within one year
44€4k€3k▼
Income statement
Code20242025
Gross operating margin
9900€237k€212k▼
Operating result
9901€187k€162k▼
Financial income
75€305€44▼
Financial charges
65€260€278▲
Result before taxes
9903€187k€162k▼
Income taxes
67/77€42k€36k▼
Net result for the period
9904€145k€126k▼
Result to be appropriated
9905€145k€126k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Weakest financial yearnet €126k ▼13%
Net result drops to €126k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity times 10current ratio 14.40
Current ratio from 1.50 to 14.40; short-term debt falls from €222k to €10k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 16,632 companies in sector 86220 we hold annual accounts for 7,920. 6,710 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2019
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-07-2026. Scores and ratios are computed by Checked and are not a credit decision.