BWEB3
ActiveFrom the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
BWEB3 has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49,459 and a net result of €13,384. Its solvency ranks better than 61% of 21,130 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Official details
KBO- Status
- Active since 04-05-2023 Normal situation
- Legal form
- Private limited company
- Registered office
- Avenue Reine Elisabeth 30, 5300 Andenne
- Activity
- Computer consultancy and computer facilities management NACE 62200and 2 others
- Establishment unit
- 2.345.037.257 5300 Andenne, since 04-05-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 20-05-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €18,394
- ▼ 63.3%
- Turnover
- ≈ €100,000
- estimated
- Profit
- €13,384
- ▼ 60.6%
- Equity
- €49,459
- ▲ 37.4%
- Total assets
- €70,959
- ▲ 36.3%
Score breakdownraises riskFounded in 2023lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Liquidity: current ratio 3.30, cash €10,605Equity €49,459 (69.7% of total assets)Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 62, micro). It does better than 63% of them on solvency, 38% on liquidity, 46% on profitability and 74% on growth.
The bankruptcy probability was computed on 31-10-2026 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. 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).
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Signals
The company filed its last 2 accounts on average 17 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
Financials · financial year 2025, micro format
2025 annual accounts filed 5 days after the deadline Filed on 5 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00382889.
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 05-08-2026
- Format
- micro format
- Reference
- 2026-00382889
2024 to 2025, 2 financial years
The operating result for 2025 is 63% lower than in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Companies with the same profile, two years later
Historical observationIn July 2024, 39,278 companies had the same profile as BWEB3 has now. Two years later, 1.8% had gone bankrupt and 95.9% were still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
The bankruptcy probability of BWEB3 itself is lower: 0.1% within 12 months. It rests on far more data about BWEB3 than the profile alone.
Test of the method
The method was tested on the 497,445 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 39,278 companies, not a prediction for BWEB3. 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.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Gross operating margin9900 | €50,081 | €18,394 | ▼ 63.3% |
| Operating profit (loss)9901 | €50,081 | €18,394 | ▼ 63.3% |
| Financial income75/76B | - | €926 | - |
| Recurring financial income75 | - | €926 | - |
| Financial charges65/66B | €181 | €60 | ▼ 66.9% |
| Recurring financial charges65 | €181 | €60 | ▼ 66.9% |
| Profit (loss) for the period before taxes9903 | €49,900 | €19,260 | ▼ 61.4% |
| Income taxes67/77 | €15,902 | €5,876 | ▼ 63.1% |
| Profit (loss) for the period9904 | €33,998 | €13,384 | ▼ 60.6% |
| Profit (loss) for the period to be appropriated9905 | €33,998 | €13,384 | ▼ 60.6% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €52,071 | €70,959 | ▲ 36.3% |
| Current assets29/58 | €52,071 | €70,959 | ▲ 36.3% |
| Amounts receivable within one year40/41 | €130 | €354 | ▲ 173% |
| Other amounts receivable41 | €130 | €354 | ▲ 173% |
| Current investments50/53 | €40,000 | €60,000 | ▲ 50.0% |
| Cash at bank and in hand54/58 | €11,941 | €10,605 | ▼ 11.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €52,071 | €70,959 | ▲ 36.3% |
| Equity10/15 | €35,998 | €49,459 | ▲ 37.4% |
| Contributions10/11 | €2,000 | €2,000 | = |
| Reserves13 | €34,075 | €47,459 | ▲ 39.3% |
| Distributable reserves133 | €34,075 | €47,459 | ▲ 39.3% |
| Profit (loss) carried forward14 | -€77 | - | - |
| Amounts payable17/49 | €16,073 | €21,500 | ▲ 33.8% |
| Amounts payable within one year42/48 | €16,073 | €21,500 | ▲ 33.8% |
| Trade debts44 | €154 | - | - |
| Suppliers440/4 | €154 | - | - |
| Taxes, remuneration and social security45 | €15,918 | €21,500 | ▲ 35.1% |
| Taxes450/3 | €15,918 | €21,500 | ▲ 35.1% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €33,998 | €13,384 | ▼ 60.6% |
| Operating cash flow (approximation) | €33,998 | €13,384 | ▼ 60.6% |
| Change in cash | - | -€1,336 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Comparable companies
These companies have the same main activity as BWEB3: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €66,000 and €76,700, founded between 2022 and 2023.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| BWEB3 Andenne | 2023 | €70,959 | €49,459 | €18,394 | €13,384 | 2025 |
| Screenix Rotselaar | 2023 | €75,345 | €13,968 | €19,007 | €14,853 | 2025 |
| eMBee IT Turnhout | 2022 | €71,510 | €36,435 | €18,546 | €9,900 | 2025 |
| FRE VI Genk | 2022 | €69,259 | €44,396 | €19,118 | €8,680 | 2025 |
| THE POESEN FACTORY Leuven | 2023 | €72,835 | €47,191 | €16,782 | €7,434 | 2025 |
| K&UP Coaching Elsene | 2023 | €65,988 | €21,806 | €20,108 | €5,852 | 2025 |
| WiseP Gent | 2022 | €76,726 | €54,399 | €17,993 | €7,781 | 2025 |
They were chosen from the 18,969 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
- end not dated
| Name | Functions and periods |
|---|---|
| Tarek Kamoum |
|
| KAMOUN Tarek |
|
The board according to the articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Reste en fonction jusqu'à remplacement raisonnable à demande société, assemblée générale peut mettre fin à tout moment avec ou sans préavis…”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Dissolution_et_clôture_de_liquidation_en_un_seul_acte, article 2:80 du Code des Sociétés et des Associations”1 more provision on this in the deed
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- One provision in the deed
Articles of association, deed of 08-05-2023 (in French)
Owners and capital
Capital transactions
- KAMOUN Tarek 2,000 shares (100%) · €2,000 in cash
- 08-05-2023 Incorporation · €2,000 · 2,000 shares
Shares according to the articles of association
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Authorised capitalThe board may raise the capital up to this amount without a new shareholder decision.
- “Jour fixé par la Loi comme point de départ, autorisation”
Other provisionsThese rules from the articles cover subjects other than the board, the shares, the purpose and the meetings.
Articles of association, deed of 08-05-2023 (in French)
Group and network
Connections & network
1 current directorThe network starts from the directors of BWEB3. Every other company they run is a node.
History
Acts, filings and financial milestones
08-05
Gazette deed
IncorporationAppointment: KAMOUN Tarek (director) · Founder · Founding capital9 points ▸
- Founder, KAMOUN Tarek (comparant)
- Other provision, “régime matrimonial, séparation des biens” (deed in French)
- Incorporation, 02-05-2023
- Founding capital, €2,000
- Bank account, “société en formation, entièrement libérée” (deed in French)
- Capital
- Other provision, “prise_effet_décisions_comparant, article 2:6 du Code des Sociétés et des Associations” (deed in French)
- Director appointment, KAMOUN Tarek (director)
- Pre-incorporation commitments, “takeover, tous actes,opérations et facturations au nom de la société en formation antérieurement” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 20254 activities
- Le commerce de matériel informatique et électronique de toute nature,en ce compris toutes les activités annexes telles que l’étude,la conception,la réalisation,l’installation et la commercialisation de systèmes informatiques,l’étude,la conception,la production,l’entretien et la maintenance de matériel électronique
- Le transfert,la manipulation,l’analyse,la visualisation,le traitement de données d’entreprises
- L’étude,la conception,la mise en place de systèmes de données
- Le conseil en management
Invoicing and payment
Financial year and general meeting
Accounts at the NBBThe scores and ratios are Checked's own calculations, not a credit decision.
Sites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92402G0175/00K002 | Wallonia | 196 m² | 1 · 52 m² | - |