simia studio
ActiveSummary
simia studio has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €704 and a net result of -€1,296. Equity has been growing by about 5.1% per year since 2022. Its solvency ranks better than 10% of 21,148 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 14-01-2022 Normal situation
- Activity
- Computer programming NACE 62100and 3 others
- Establishment unit
- 2.326.592.807 5100 Namur, since 14-01-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 10-09-2025
Board and ownership
Board
- HABRAN Cécile Renée Michel Suzanne PhilippeDirector · since 14-01-2022
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
Annual accounts 2025
- Gross margin
- €5,801
- ▼ 81.2%
- Turnover
- ≈ €31,000
- estimated
- Loss
- €1,296
- Equity
- €704
- ▼ 99.2%
- Total assets
- €93,767
- ▼ 5.6%
- Employees on 31-12-2025
- 0
Score breakdownraises riskEquity €704 (0.8% of total assets)lowers riskSector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €93,767Liquidity: current ratio 0.92, cash €74,298Show the evidence
Checked score
Score 2025
90
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 17% of micro companies in computer programming and consultancy (NACE 62)
Financial strength · tick: 2024
Weak
Solvency
26-74
equity 0.8% of total assets
Liquidity
50-50
short-term debt 99.2% · cash 79.2%
Profitability
67-28
return on assets -1.4%
Bankruptcy probability within 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026highest value
08-2026: 0.1%● unchanged vs 07-2026highest value
09-2026: 0.1%● unchanged vs 08-2026highest value
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
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 9% of them on solvency, 27% on liquidity, 26% on profitability and 3% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 21148 sector peers (2025).
NBB · sector comparisonPosition among 21148 sector peers
Solvency
better than 10%
← weakest
strongest →
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 11-06-2026, 50 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
50 days early
2024
64 days early
2023
58 days early
2022
3 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 42 days before 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)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 June (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 11-06-2026 PDF all 4 filings
Turnover
≈ €31,000
Estimated: probably between €17,000 and €60,000
Total assets
€93,767▼ 5.6%
2024 · €99,302
Net result
-€1,296
2024 · €21,071
Working capital
-€7,566
2024 · €74,746
Multi-year overview
2022 to 2025, 4 financial yearsOperating result
-€354
2025
20222025
Net result
-€1,296
2025
lowest quarter of the sector
20222025
Equity
€704
▼ 99.2%
2025
lowest quarter of the sector
20222025
Total assets
€93,767
▼ 5.6%
2025
middle half of the sector
20222025
Debt
€93,063
▲ 819%
2025
20222025
Working capital
-€7,566
2025
lowest quarter of the sector
20222025
Solvency
0.8%
▼ 89.0pp
2025
lowest quarter of the sector
20222025
Current ratio
0.92
▼ 7.46
2025
lowest quarter of the sector
20222025
Return on assets (ROA)
-1.4%
▼ 22.6pp
2025
lowest quarter of the sector
20222025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2022202320242025
Operating result€53,829-€32,768▼ 39.1%€27,164▼ 17.1%-€354
Net result€42,857within the sector's middle half-€25,736within the sector's middle half▼ 39.9%€21,071within the sector's middle half▼ 18.1%-€1,296below the sector's middle half
Equity€44,057within the sector's middle half-€68,960within the sector's middle half▲ 56.5%€89,171within the sector's middle half▲ 29.3%€704below the sector's middle half▼ 99.2%
Total assets€58,386below the sector's middle half-€80,948within the sector's middle half▲ 38.6%€99,302within the sector's middle half▲ 22.7%€93,767within the sector's middle half▼ 5.6%
Debt€14,329-€11,988▼ 16.3%€10,131▼ 15.5%€93,063▲ 819%
Working capital€38,398within the sector's middle half-€64,579within the sector's middle half▲ 68.2%€74,746within the sector's middle half▲ 15.7%-€7,566below the sector's middle half
Solvency75.5%within the sector's middle half-85.2%above the sector's middle half▲ 9.7pp89.8%above the sector's middle half▲ 4.6pp0.8%below the sector's middle half▼ 89.0pp
Current ratio3.68within the sector's middle half-6.39above the sector's middle half▲ 2.718.38above the sector's middle half▲ 1.990.92below the sector's middle half▼ 7.46
Return on assets (ROA)73.4%above the sector's middle half-31.8%within the sector's middle half▼ 41.6pp21.2%within the sector's middle half▼ 10.6pp-1.4%below the sector's middle half▼ 22.6pp
above
within
below
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 operating result for 2025 is a loss of €354, after a profit of €27,164 in 2024. It is the lowest result since 2022.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93,767
Fixed assets
€8,270 ▼ 42.7%
Current assets
€85,497 ▲ 0.7%
Equity and liabilities €93,767
Equity
€704 ▼ 99.2%
Debt
€93,063 ▲ 819%
Debt's share of the balance-sheet total rises from 10.2% to 99.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5,801▼
2024 · €30,189
Cash flow
€4,860▼
2024 · €24,096
Interest coverage
46.69▼
2024 · 90.60
Debt ≤ 1 year
€93,063▲
2024 · €10,131
Income taxes
€817▼
2024 · €5,760
The equity ratios are withheld because equity of €704 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2025 |
|---|---|
| Employees at the balance-sheet date | 0 |
| full-time | 0 |
| part-time | 0 |
Source: social balance sheet in the 2025 annual accounts
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | €6,255 | €930 | €13,070 | - |
| Depreciation and write-downs of the year | €596 | €2,208 | €3,025 | €6,156 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €596 | €2,208 | €3,025 | €6,156 | ▲ 103% |
| Other operating charges640/8 | - | - | €588 | - | - |
| Gross operating margin9900 | €54,425 | €34,976 | €30,777 | €5,801 | ▼ 81.2% |
| Operating profit (loss)9901 | €53,829 | €32,768 | €27,164 | -€354 | - |
| Financial income75/76B | €2 | - | - | - | - |
| Recurring financial income75 | €2 | - | - | - | - |
| Financial charges65/66B | €130 | €155 | €333 | €124 | ▼ 62.7% |
| Recurring financial charges65 | €130 | €155 | €333 | €124 | ▼ 62.7% |
| Profit (loss) for the period before taxes9903 | €53,701 | €32,613 | €26,831 | -€479 | - |
| Income taxes67/77 | €10,844 | €6,877 | €5,760 | €817 | ▼ 85.8% |
| Profit (loss) for the period9904 | €42,857 | €25,736 | €21,071 | -€1,296 | - |
| Profit (loss) for the period to be appropriated9905 | €42,857 | €25,736 | €21,071 | -€1,296 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €58,386 | €80,948 | €99,302 | €93,767 | ▼ 5.6% |
| Fixed assets21/28 | €5,659 | €4,381 | €14,426 | €8,270 | ▼ 42.7% |
| Tangible fixed assets22/27 | €5,659 | €4,381 | €14,426 | €8,270 | ▼ 42.7% |
| Furniture and vehicles24 | €5,659 | €4,381 | €14,426 | €8,270 | ▼ 42.7% |
| Current assets29/58 | €52,727 | €76,567 | €84,876 | €85,497 | ▲ 0.7% |
| Amounts receivable within one year40/41 | €11,791 | €2,385 | €20,643 | €7,584 | ▼ 63.3% |
| Trade receivables40 | €10,366 | €2,385 | €17,180 | €5,734 | ▼ 66.6% |
| Other amounts receivable41 | €1,425 | - | €3,463 | €1,850 | ▼ 46.6% |
| Cash at bank and in hand54/58 | €40,916 | €74,146 | €60,795 | €74,298 | ▲ 22.2% |
| Deferred charges and accrued income490/1 | €20 | €36 | €3,439 | €3,615 | ▲ 5.1% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €58,386 | €80,948 | €99,302 | €93,767 | ▼ 5.6% |
| Equity10/15 | €44,057 | €68,960 | €89,171 | €704 | ▼ 99.2% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €42,057 | €66,960 | €87,171 | -€1,296 | - |
| Amounts payable17/49 | €14,329 | €11,988 | €10,131 | €93,063 | ▲ 819% |
| Amounts payable within one year42/48 | €14,329 | €11,988 | €10,131 | €93,063 | ▲ 819% |
| Trade debts44 | €576 | €194 | €1,092 | €1,510 | ▲ 38.3% |
| Suppliers440/4 | €576 | €194 | €1,092 | €1,510 | ▲ 38.3% |
| Taxes, remuneration and social security45 | €12,530 | €10,344 | €7,577 | €16,121 | ▲ 113% |
| Taxes450/3 | €12,530 | €10,344 | €7,577 | €16,121 | ▲ 113% |
| Other amounts payable47/48 | €1,223 | €1,451 | €1,462 | €75,432 | ▲ 52× |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €42,857 | €25,736 | €21,071 | -€1,296 | - |
| + Depreciation and write-downs630 | €596 | €2,208 | €3,025 | €6,156 | ▲ 103% |
| Operating cash flow (approximation) | €43,453 | €27,944 | €24,096 | €4,860 | ▼ 79.8% |
| Investment in fixed assets (approximation) | - | -€930 | -€13,070 | €0 | - |
| Change in cash | - | €33,229 | -€13,351 | €13,503 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 1,301 companies had the same profile as simia studio has now. Two years later, 92.6% were still going and 5.5% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency under 10%
- a small loss
92.6%
was still going
1.6%
stopped otherwise
5.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of simia studio itself is lower: 0.1% within 12 months. It rests on far more data about simia studio than the profile alone.
Test of the method
The method was tested on the 497,446 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 1,301 companies, not a prediction for simia studio. 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.
Board & ownership
Directors
Directors
1 director, no change since 2022
HABRAN Cécile Renée Michel Suzanne Philippe
Current
Director (not named in the articles) · since 14-01-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 11-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Article 11. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est…”
deed of 18-01-2022Owners and capital
Owners
Articles of association
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Mentionné notification initiale ou expert en cas de contestation, moitié cédant moitié acquéreurs proportionnellement nombre acquis”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 18-01-2022 (in French)
Network & group
simia studio shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of simia studio. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
11-06
micro format · 50 days before the deadline
2025
31-12
Financial
Weakest financial yearnet -€1,296
The net result drops to -€1,296, the lowest from 2022 to 2025.
28-05
micro format · 64 days before the deadline
2024
03-06
micro format · 58 days before the deadline
2023
03-08
micro format · 3 days late
2022
18-01
Gazette deed
IncorporationAppointment: HABRAN Cécile Renée Michel Suzanne Philippe (director) · Founder · Capital16 points ▸
Gazette deed
Incorporation
Appointment: HABRAN Cécile Renée Michel Suzanne Philippe (director) · Founder · Capital16 points ▸
- Incorporation, “simia studio” (deed in French)
- Founder, HABRAN Cécile Renée Michel Suzanne Philippe
- Other provision, “capacité et identité des comparants, carte d'identité” (deed in French)
- Other provision, “commentaire et lecture de l'acte”, 11-01-2022 (deed in French)
- Other provision, 23-12-2021
- Other provision, “arrêté des statuts” (deed in French)
- Capital
- Other provision, “prise d'effet dispositions finales et transitoires, unanimité comparants” (deed in French)
- Registered office clause, “5100 Jambes,rue de Géronsart,24” (deed in French)
- Other provision, “cecile@simiastudio.be, site internet et adresse électronique” (deed in French)
- Board rule, 1
- Director appointment, HABRAN Cécile Renée Michel Suzanne Philippe (director (not named in the articles))
- The act holds 4 more points.
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
simia studio in French
Enterprise number
0780.493.771
Legal form
Private limited company
Status
Active, normale toestand
Founded
14-01-2022
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 18-01-2022 (in French)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région wallonne, sièges administratifs, agences, ateliers, dépôts et succursales en Belgique et à l'étranger par simple décision de l’organe…”
deed of 18-01-2022 (in French)Registered office and establishments
Registered office
Rue de Géronsart(JB) 24, 5100 Namur, Belgium
Establishment unit
simia studio, Rue de Géronsart(JB) 24, 5100 Namur since 14-01-2022 · unit number 2.326.592.807
Activities
NACEBEL 202562100
Computer programming main activity
73300
Public relations and communication consultancy
74120
Graphic design and visual communication
74140
Other specialised design activities
Codes under NACEBEL 2008
62010
Computer programming, consultancy and related activities main activity
70210
Activities of head offices; management consultancy activities
74103
Other professional, scientific and technical activities
74109
Other professional, scientific and technical activities
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 18-01-2022 (in French)
“La conception, le développement, la mise à disposition et l’exploitation sous toutes ses formes de plateformes numériques, de logiciels, de…”
24 activities
- La conception, le développement, la mise à disposition et l’exploitation sous toutes ses formes de plateformes numériques, de logiciels, de supports de publicité ou d’autres applications informatiques ;
- La cession ou la concession de droits d’auteur ou droits d’autres intellectuels, sous forme de licences ou de sous-licences ;
- La conception, la création, la réalisation, l'implémentation de matériel graphique, peinture, dessin, de layouts internet, de supports de communication ou d'image de marque visuels, sonores et multimédias, par tout type de moyen, dont les moyens de l'imagerie numérique et les techniques de création et de production traditionnelles ;
- La conception, le développement, l’organisation et l’animation de toutes sortes d’espaces privilégiés de communication au sein des organisations marchandes ou non marchandes, les dotant de tous supports d’information multimédia (bornes interactives, sites internet et intranet, etc.) et audiovisuels ;
- Activités de prépresse
- Programmation informatique
- Conseil informatique
- Le commerce de matériel informatique et électronique de toute nature en ce compris toutes les activités annexes telles que la conception, la réalisation et la commercialisation de logiciels et programmes, la production, l’entretien et la maintenance de matériel électronique, etc. ;
- Le management et la fourniture de services, formations, conseils à des entreprises et sociétés, notamment dans les domaines de l’administration, de l’organisation, de la gestion, du marketing et de l’informatique (au sens large du terme) ;
- La consultance en informatique ainsi que la gestion des droits intellectuels de produits et logiciels, leur maintenance, leur développement ainsi que toutes prestations permettant d’en assurer la pérennité ;
- La gestion d'installations informatiques
- Le traitement de données, hébergement et activités connexes
- La conception et réalisation de campagnes publicitaires pour des tiers, en utilisant tous les médias
- La création et placement de publicités : affiches, panneaux publicitaires, journaux lumineux, enseignes lumineuses au néon, affichage sur les autobus, etc.
- La conception de textes et de slogans publicitaires (copywriters)
- La conception de films publicitaires
- La conception d'objets publicitaires
- La conception de techniques de publicité visant à toucher le consommateur (marketing direct) au moyen de publicité personnalisée (publipostage), propositions téléphoniques d'achat, etc.
- Portails Internet
- Conseil en relations publiques et en communication
- Activités de design graphique
- Formation professionnelle
- Toutes activités de promotion immobilière de logements ou de bureaux, de marchand de biens immobiliers, de location d'habitation à l'exclusion des logements sociaux.
- Toutes opérations industrielles, commerciales, financières, mobilières et immobilières et notamment : l'achat, la vente, l'échange, la transformation, l'exploitation, la location de tous immeubles bâtis ou non, l'achat, la vente, l'échange, la mise en valeur, le lotissement, l'exploitation, la location et l'affermage de tous immeubles non bâtis. Et plus généralement, toutes opérations industrielles, commerciales, financières, mobilières ou immobilières, se rapportant directement ou indirectement à l'objet social ou susceptible d'en faciliter l'extension ou le développement -le pouvoir de souscrire une assurance groupe.
Invoicing and payment
VAT number
BE 0780.493.771
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Friday of June at 18:00
deed of 18-01-2022 (in French)Sites & property
Location
Buildings and parcels at the address
Ground area
136 m²
Building footprint
48 m²
Building volume
389 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 92322F0585/00_000 | Wallonia | 136 m² | 1 · 48 m² | 9.6 m · 3 |