SHAMIM

Active

Private limited companyfounded 20215 yrs activeStatielei 28, 2640 Mortsel, BelgiumKBO/BCE: BE 0769.703.314

Summary

SHAMIM has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116,429 and a net result of €13,667. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 44% of 20110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Risk analysisWatch Report Compare

SHAMIMActiveChecked score 67/100

Risk analysis Report Compare

Activity

Retail sale of hardware, building materials, paint and glass (general range)

NACE 47521

1 site

Size

€430,823total assets 2025

Staff: 2.2 FTE
Equity: €116,429
Profit: €13,667

Turnover not published (abridged schema)

Financial health

67 Healthy Checked score 2025

Bankruptcy chance 12 m: 0.9%

Structure

Board: 1 member

Accounts 7 d early1 of 2 deeds read

Why 67- Founded in 2021- Sector Retail trade (NACE 47)- Profit of €13,667 (FY 2025)+ Size: total assets €430,823Show the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 51% of its sector peers (NACE 47, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 52+5

equity 27.0% of total assets

Liquidity 42-6

short-term debt 35.1% · cash 6.3%

Profitability 73-5

return on assets 3.2%

Bankruptcy probability, 12 months

0.9% Low

0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,898 companies)

Last 10 months 01-2026: 0.7% 02-2026: 0.7%● 0.0% vs 01-2026 03-2026: 0.7%● 0.0% vs 02-2026 04-2026: 0.7%▼ -0.7% vs 03-2026lowest value 05-2026: 0.7%▲ +1.2% vs 04-2026 06-2026: 0.7%● 0.0% vs 05-2026 07-2026: 0.7%▲ +10.1% vs 06-2026 08-2026: 0.9%▲ +15.8% vs 07-2026 09-2026: 0.9%▲ +2.9% vs 08-2026 10-2026: 0.9%▲ +2.5% vs 09-2026highest value

Size: total assets €430,823 lowers the probability for this profile
Founded in 2021 raises the probability for this profile
Sector Retail trade (NACE 47) raises the probability
Profit of €13,667 (FY 2025) raises the probability

Credit up to €7,000 at 30 days acceptable

Liquidity ample (current ratio 1.94 against 2.36 in 2024; short-term debt: 35.1% and cash: 6.3% of total assets), but 73% of the assets are financed with debt.

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 42%, liquidity 40%, profitability 56%, growth against the median 65%. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €430,823

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Founded in 2021

In the bankruptcy model this factor raises the probability for this profile.

KBO

Sector Retail trade (NACE 47)

In the bankruptcy model this factor raises the probability.

KBO

Profit of €13,667 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-10-2025, 7 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

7 d early

2024

24 d early

2023

on the day

2022

on the day

← 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 8 days before 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)

The next deadline is still running

The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 28 October (4 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

31-03-2026 close02-10-2026 today31-10-2026 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

19-06-26 Resignation: Ali Hosseini (director)Appointment: MAHDI BV (director) ·…
24-10-25 Annual accounts filedfiscal year 2025 · micro…
07-10-24 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Board changedlatest change 01-02-2026 · 1 in office 1 joined · 1 left View
Among the largest 14% on gross marginsector median €33,587 · 20,038 companies €148,590 View
Positive: Always filed on timeaccounts within the deadline every year 4 years View