Financials
- Fiscal year
- 2025
- Total assets
- €16,660
- Profit
- €707
- Solvency
- -55.9%
Total assets▲ 17.7%
Net result
20222025
S.W
ActiveSummary
The computed 12-month bankruptcy probability of S.W is 2.7% (moderate). The 2025 annual accounts show negative equity (-€9,311) and a net result of €707. Equity is shrinking by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 12% of 20110 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Other retail sale of food
NACE 47279
1 site
Size
€16,660total assets 2025
- Equity
- -€9,311
- Profit
- €707
Turnover not published (abridged schema)
Structure
Accounts filed 31 d late0 of 2 deeds read
Why 51- Founded in 2022- Latest accounts 31 days late; 1 of the last 3 late- Sector Retail trade (NACE 47)- Negative equity -€9,311Show the evidence
Checked score
Score 2025
51
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 32% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
0=
equity -55.9% of total assets
Liquidity
6-5
short-term debt 155.9% · cash 5.1%
Profitability
74+19
return on assets 4.2%
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 12 months
11-2025: 1.9%
12-2025: 1.9%● 0.0% vs 11-2025
01-2026: 1.9%▼ -1.0% vs 12-2025
02-2026: 1.8%▼ -4.7% vs 01-2026
03-2026: 1.8%▼ -0.2% vs 02-2026
04-2026: 1.8%▼ -0.7% vs 03-2026lowest value
05-2026: 1.9%▲ +4.5% vs 04-2026
06-2026: 1.9%▲ +2.4% vs 05-2026
07-2026: 2.0%▲ +5.6% vs 06-2026
08-2026: 2.7%▲ +32.5% vs 07-2026
09-2026: 2.7%▲ +1.3% vs 08-2026highest value
10-2026: 2.7%● 0.0% vs 09-2026highest value
- Founded in 2022 raises the probability for this profile
- Latest accounts 31 days late; 1 of the last 3 late raises the probability
- Sector Retail trade (NACE 47) raises the probability
- Negative equity -€9,311 raises the probability
No credit on open account
Liquidity short (current ratio 0.13 against 0.2 in 2024; short-term debt: 155.9% and cash: 5.1% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 6%, liquidity 8%, profitability 59%, growth against the median 55%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 20110 sector peers (2025).
NBB · sector comparisonPosition among 20110 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
1 d early
2022
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 20 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 25 August (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €707
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 6
- Since
- 2023
- Next accounts
- by 31-07-2027
- 31-08-2026Annual accounts filed
- 31-12-2025Back to profit
- 28-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other retail sale of foodNACE 47279
- Founded
- 18-02-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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