BeWize
ActiveSummary
BeWize has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €236,713 and a net result of €89,160. Equity is growing by about 49% per year across the filed financial years. Its solvency ranks better than 63% of 21,099 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Staff
- ≈ 0.6 FTE, estimated
- Equity
- €236,713
- Profit
- €89,160
Why 97lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 4.12, cash €109,179Size: total assets €330,746Equity €236,713 (71.6% of total assets)Show 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 62, micro): better than 65% on solvency, 76% on liquidity, 82% on profitability and 82% on growth.
The bankruptcy probability was computed on 28-10-2026 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 3 accounts on average 27 days before the deadline; the sector median (NACE 62) for financial year 2024 is 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Highest result from 2023 to 2025net €89,160 ▲51.4%
- Equity above €200,000equity €236,713 ▲58.6%
Financials · financial year 2025, micro format
2023 to 2025, 3 financial years
The operating result recovers in 2025; 2025 is 48% above 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.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 62, Computer programming, consultancy and related 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).
Peer companies
Historical observationOf the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 95.9% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a lower bankruptcy probability: < 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
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 39,278 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €336 | €3,146 | €20,871 | ▲ 563% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,090 | €11,090 | €21,095 | ▲ 90.2% |
| Other operating charges640/8 | €2,843 | €1,123 | €1,215 | ▲ 8.2% |
| Gross operating margin9900 | €119,565 | €94,110 | €159,744 | ▲ 69.7% |
| Operating profit (loss)9901 | €105,296 | €78,751 | €116,562 | ▲ 48.0% |
| Financial income75/76B | €0 | €2 | €3 | ▲ 24.8% |
| Recurring financial income75 | €0 | €2 | €3 | ▲ 24.8% |
| Financial charges65/66B | €1,958 | €3,652 | €2,904 | ▼ 20.5% |
| Recurring financial charges65 | €1,958 | €3,652 | €2,904 | ▼ 20.5% |
| Profit (loss) for the period before taxes9903 | €103,337 | €75,101 | €113,661 | ▲ 51.3% |
| Income taxes67/77 | €21,000 | €16,219 | €24,501 | ▲ 51.1% |
| Profit (loss) for the period9904 | €82,337 | €58,882 | €89,160 | ▲ 51.4% |
| Profit (loss) for the period to be appropriated9905 | €82,337 | €58,882 | €89,160 | ▲ 51.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €185,646 | €205,097 | €330,746 | ▲ 61.3% |
| Fixed assets21/28 | €111,259 | €100,170 | €161,273 | ▲ 61.0% |
| Tangible fixed assets22/27 | €111,259 | €100,170 | €161,273 | ▲ 61.0% |
| Land and buildings22 | €78,570 | €76,140 | €73,440 | ▼ 3.5% |
| Furniture and vehicles24 | €32,689 | €24,030 | €87,833 | ▲ 266% |
| Current assets29/58 | €74,387 | €104,928 | €169,474 | ▲ 61.5% |
| Amounts receivable within one year40/41 | €32,937 | €27,495 | €55,964 | ▲ 104% |
| Trade receivables40 | €32,937 | €25,801 | €54,270 | ▲ 110% |
| Other amounts receivable41 | - | €1,694 | €1,694 | = |
| Cash at bank and in hand54/58 | €41,450 | €77,433 | €109,179 | ▲ 41.0% |
| Deferred charges and accrued income490/1 | - | - | €4,330 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €185,646 | €205,097 | €330,746 | ▲ 61.3% |
| Equity10/15 | €90,337 | €149,219 | €236,713 | ▲ 58.6% |
| Contributions10/11 | €8,000 | €8,000 | €8,000 | = |
| Profit (loss) carried forward14 | €82,337 | €141,219 | €228,713 | ▲ 62.0% |
| Amounts payable17/49 | €95,309 | €55,878 | €94,033 | ▲ 68.3% |
| Amounts payable after more than one year17 | €72,400 | €42,420 | €52,913 | ▲ 24.7% |
| Other amounts payable178/9 | €72,400 | €42,420 | €52,913 | ▲ 24.7% |
| Amounts payable within one year42/48 | €22,909 | €13,457 | €41,120 | ▲ 206% |
| Current portion of amounts payable after more than one year42 | - | - | €11,576 | - |
| Trade debts44 | €536 | €723 | €447 | ▼ 38.2% |
| Suppliers440/4 | €536 | €723 | €447 | ▼ 38.2% |
| Taxes, remuneration and social security45 | €21,772 | €12,589 | €27,548 | ▲ 119% |
| Taxes450/3 | €21,772 | €12,185 | €25,135 | ▲ 106% |
| Remuneration and social security454/9 | - | €404 | €2,413 | ▲ 498% |
| Other amounts payable47/48 | €601 | €145 | €1,549 | ▲ 968% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €82,337 | €58,882 | €89,160 | ▲ 51.4% |
| + Depreciation and write-downs630 | €11,090 | €11,090 | €21,095 | ▲ 90.2% |
| Operating cash flow (approximation) | €93,427 | €69,972 | €110,255 | ▲ 57.6% |
| Investment in fixed assets (approximation) | - | €0 | -€82,199 | - |
| Change in cash | - | €35,983 | €31,747 | ▼ 11.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (4)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 23-05-2026 | 2026-00119160 |
| 31-12-2024 | full format | 11-08-2025 | 2025-00368602 |
| 31-12-2023 | abbreviated format | 31-07-2025 | 2025-00347777 |
| 31-12-2023 | full format | 09-07-2024 | 2024-00224408 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| IGLESIAS FERNANDEZ David |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
14-10
Gazette deed
IncorporationAppointment: IGLESIAS FERNANDEZ David (director) · Founder · Founding capital9 facts ▸
- Incorporation, 11-10-2022
- Founder, IGLESIAS FERNANDEZ David
- Founder, SHMARINA Iuliia
- Founding capital, €8,000
- Bank account, 8000, EUR
- Registered office clause, “1140 Evere, rue Frans Léon 30, à dater du dépôt au greffe” (deed in French)
- Board rule, 1
- Director appointment, IGLESIAS FERNANDEZ David (director (not named in the articles))
- Pre-incorporation commitments, “takeover, tous engagements,obligations en résultant,toutes activités entreprises par l’un ou l’autre des comparants au nom et pour compte de la société en forma…” (deed in French)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
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 |
|---|---|---|---|---|
| 21006A0199/00E006 | Brussels | 153 m² | 1 · 65 m² | 9.6 m · 3 |
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
- Name clauseThe name the company operates under according to its articles.
- BeWize
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- One provision in the deed
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Article 12. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Article 11, assemblée nommant fixe nombre,durée mandat et en pluralité pouvoirs” (deed in French)“Portée aux frais généraux indépendamment frais représentation,voyages et déplacements, Article 13” (deed in French)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs proportionnellement actions si plusieurs, entre vifs ou cause mort sans agrément à actionnaire,conjoint…” (deed in French)
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Formes prévues pour modifications aux statuts, assemblée générale” (deed in French)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Dissolution pour quelque cause et à quelque moment que ce soit, administrateur(s) en fonction désignés comme liquidateur(s) en vertu…” (deed in French)