Equity
-€6,223
Debts exceed assets in financial year 2025.
Siebe
Overview
Lifetime
1 annual account with figurespeak -€1,250 (2025)
-€1,250
lowest -€8,723 (2025)
-€8,723
peak -€6,223 (2025)
-€6,223
€28,878
Board1 name since 2024
1 directorDILEN Joke Marcel Josepha
Documentsfilings and deeds
02-07-202629 days before the deadline
2025micro format
Loss of €8,723First year with figures
Key points
from the 2025 annual accountsDebts
€28,878 127% of the balance sheet
Suppliers 7%Taxes and wages 12%Other 82%
Position in the sector
-27.5%
Lower solvency than 95% of companies in veterinary activities. Sector median 52.2% · 1,602 companies.
Turnover not published (micro format)
Checked score
52
Fair
Financially stronger than 4% of micro companies in veterinary activities (NACE 75)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 1,971 companies (NACE 75, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: 0.3%
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.4%▲ +0.1 percentage points vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.5%▲ +0.1 percentage points vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026highest value
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.2%▼ -0.3 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€6,223
lowers risk
Sector: Veterinary activities (NACE 75)
Size: total assets €22,656
Figures for financial year 2025 (filed on 02-07-2026)
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 75, micro). It does better than 1% of them on solvency, 8% on liquidity and 2% on profitability.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 7,639 companies had the same profile as Siebe has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Siebe itself is lower: 0.2% within 12 months. It rests on far more data about Siebe than the profile alone.
Test of the method
The method was tested on the 497,448 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 7,639 companies, not a prediction for Siebe. 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.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.25, below 1. Short-term debt is 127.5% and cash 25% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
29 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1013923578
Incorporation
Appointment: DILEN Joke Marcel Josepha (director) · Founder: DILEN Joke Marcel Josepha · 100 shares · published on 25-09-2024 · Gazette deed
First establishment
Schooldreef 57, Mol
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Siebe Mol | €22,656 | -€1,250 | -27.5% | - |
| Pawprints Vet Care Geel | €25,622 | €383 | -20.9% | - |
| Sa-Fe Vet Balen | €18,665 | -€6,428 | -66.7% | - |
| EQULIPSE VET Beloeil | €25,339 | -€3,270 | -18.2% | - |
| FABIEN DANLOIS VETERINAIRE Jette | €30,017 | -€12,555 | -59.5% | - |
| AGC VETERINAIRE Anderlecht | €16,004 | -€1,063 | 23.4% | - |
| Vetsurgical consultancy Tervuren | €34,148 | -€2,146 | -8.3% | - |
These companies have the same main activity as Siebe: veterinary services (NACE 75000). They are comparable in size and age: total assets between €16,000 and €34,100, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 23-09-2024Normal situation
- Activity
- Veterinary servicesNACE 75000and 1 other
- Establishment unit
- 2.364.483.4802400 Mol, since 23-09-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 05-10-2025
Annual accounts 2025
- -€1,250
- €8,723
- -€6,223
- €22,656
- Filing
- Filed on 02-07-2026, 29 days before the end of the filing period
Insights on Siebe
Siebe has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€6,223) and a net result of -€8,723.
Its solvency ranks better than 5% of 1,602 sector peers (NACE 75, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 02-07-2026, 29 days before the deadline-€1,250
-€8,294
-€8,723
-€21,577
-27.5%
0.25
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €22,656 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
-27.5%
Lower than 95% of 1,602 companies in 2025.
0.25
Lower than 95% of 1,593 companies in 2025.
-38.5%
Lower than 95% of 1,598 companies in 2025.
Siebe
Middle half of the sector
80% of the sector
Micro accounts in veterinary activities (NACE 75)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
22,656 | |
21/28 |
15,354 | |
22/27 |
15,354 | |
24 |
15,354 | |
29/58 |
7,302 | |
54/58 |
5,671 | |
490/1 |
1,631 | |
| Balance sheet: equity and liabilities | ||
10/49 |
22,656 | |
10/15 |
-6,223 | |
10/11 |
2,500 | |
14 |
-8,723 | |
17/49 |
28,878 | |
42/48 |
28,878 | |
44 |
1,887 | |
440/4 |
1,887 | |
45 |
3,437 | |
450/3 |
3,437 | |
47/48 |
23,554 | |
| Income statement | ||
9900 |
-1,250 | |
630 |
5,144 | |
640/8 |
1,900 | |
9901 |
-8,294 | |
65/66B |
100 | |
65 |
100 | |
9903 |
-8,395 | |
67/77 |
328 | |
9904 |
-8,723 | |
9905 |
-8,723 | |
| Appropriation of the result | ||
9906 |
-8,723 | |
| Document | ||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 02-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 02-07-2026 | 2026-00241682 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| -3,150 | ||
| -3,579 | ||
| 20,498 | ||
| -21,577 | ||
| -27.5% | ||
| 0.25 | ||
| -38.5% | ||
| -31.41 |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €20,498 |
| €5,144 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Siebe
Equity is negative. Debt (€28,878) exceeds the balance-sheet total (€22,656).
Board & ownership
Board
1 director, since incorporationDirector
current term since 23-09-2024
term for the life of the company
listed in the 2025 annual accounts, filed on 02-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 25-09-2024
Mandates through the years
1 name, the dashed line is todayDILEN Joke Marcel Josepha
Director
Director
Board
Mandates as a list
- DILEN Joke Marcel Josepha
- Director, appointed by deed of 25-09-2024, still in office
Control
Capital
- Contribution
- €2,500
- Shares
- 100
- Contribution per share
- €25
- Equity per share
- -€62.23 in 2025
- Source
- deed of 25-09-2024
Articles of association
deed of 25-09-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Daily managementDay-to-day management handles the everyday running of the business without the full board.
- The board decides whether the delegates act alone or jointly
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Bij gebrek aan bepaling van de duurtijd, wordt hun mandaat geacht van onbepaalde duur te zijn, De algemene vergadering die de bestuurder(s)…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 25 June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Shareholders
At incorporation
deed of 25-09-2024 ↗
- DILEN Joke Marcel Josepha 100 shares (100%) · €2,500 in cash
Network & group
No group
Siebe has no parent and no holdings in its annual accounts. DILEN Joke Marcel Josepha is the only director. Siebe shares no director with another company.
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 29 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1013923578
2024
IncorporationAppointment: DILEN Joke Marcel Josepha (director) · Founder: DILEN Joke Marcel Josepha · 100 shares · published on 25-09-20246 points ▸
- Founder, DILEN Joke Marcel Josepha
- Power of attorney, HAMSH Zainab
- 100 shares
- Founding capital, €2,500, 100 shares
- Director appointment, DILEN Joke Marcel Josepha
- Power of attorney, JAC
- The deed holds 1 more point.
First establishment Schooldreef 57, Mol
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1013.923.578
- VAT number
- BE 1013.923.578
- Peppol ID
- 0208:1013923578
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 23-09-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 25 June at 18:00deed of 25-09-2024 (in Dutch)
- Peppol
- Reachable since 05-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Siebe in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 25-09-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”“Schooldreef 57, 2400 Mol”deed of 25-09-2024 (in Dutch)
Activities
NACEBEL 202575000
Veterinary services main activity
Codes under NACEBEL 2008
75000
Veterinary services main activity
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van diergeneeskundige diensten en het verrichten van aanver-wante activiteiten in overeenstemming met alle toepasselijke wet-…”deed of 25-09-2024 (in Dutch)
8 activities
- Het verlenen van diergeneeskundige diensten en het verrichten van aanver-wante activiteiten in overeenstemming met alle toepasselijke wet- en regelgeving, met inbegrip van de bepalingen van de Code der Plichtenleer van de Orde der Dierenartsen, waarbij de onafhankelijkheid van dierenartsen in de uitoefening van hun beroep steeds in acht zal worden genomen.
- Het inrichten van algemene diensten en een secretariaat, alsook het aan- en verkopen, huren en verhuren of leasen van allerhande apparatuur en producten die nodig of nuttig zijn voor de uitoefening van het beroep van dierenarts, met inachtneming van alle toepasselijke wet- en regelgeving en de Code der Plichtenleer der Dierenartsen.
- Het uitbaten van een dierenartsenpraktijk, verkoop van dierverzorgende pro-ducten en verkoop van diervoeding.
- Het geven van cursussen en opleidingen op het gebied van de diergeneeskun-de.
- Het ontplooien van administratie, consultancy en managementactiviteiten ter ondersteuning van de diergeneeskunde.
- De vennootschap mag alle financiële activiteiten en alle onroerende en roeren-de verrichtingen stellen welke rechtstreeks of onrechtstreeks verband houden met de verwezenlijking van haar voorwerp of welke van aard zijn de verwezenlijking ervan te vergemakkelijken, erover wakend dat er geen conflict ontstaat met de wettelijke en/of deontologische regels van het beroep van dierenarts.
- De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen, onder meer door haar goederen in hy-po-theek of in pand te geven, inclusief de eigen handelszaak.
- De vennootschap kan eveneens optreden als bestuurder, volmachtdrager, mandata-ris of vereffenaar in andere vennootschappen of ondernemingen met een gelijkaardig of aanverwant voorwerp.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Schooldreef 57 registered office 2400 Mol | 23-09-2024 | 2.364.483.480 |
Buildings and parcels at the address
- Ground area
- 955 m²
- Buildings
- 137 m²
- Volume, LiDAR
- 676 m³
- Tallest building
- 8.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 13025G1076/00Y005 | 954 m² | 1 · 137 m² | 8.9 m · 2 |