Equity
€2,036 ▼ 98.3%
Equity fell in 2025 from €117,562 to €2,036.
SIMO
Overview
Lifetime
2 annual accounts with figures on one time axispeak €366,652 (2025)
€366,652▲ 109%
peak €115,562 (2024)
€78,473▼ 32.1%
peak €117,562 (2024)
€2,036▼ 98.3%
€141,149▲ 203%
Board1 name since 2023
1 directorSIWEZAK Arnaud Paul Edmond
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Gross margin from €175,154 to €366,652Result from €115,562 to €78,473Dividend €194,000Equity from €117,562 to €2,036Debts from €46,514 to €141,149Investments €12,003
Key points
from the 2025 annual accountsDebts
€141,149 99% of the balance sheet
Suppliers 2%Taxes and wages 87%Other 11%
Investments
€11,321 2.2 × depreciation
Green is investment, beige is depreciation.
Staff
4 employees on 31-12-2025
In 2025, 5 people joined and 2 left.
Liquidity
0.84 was 3.14 in 2024
Short-term debts rose from €46,514 to €141,149.
Position in the sector
€2,036
Less equity than 94% of companies in human health. Sector median €124,552 · 20,762 companies.
2025 accounts filed 61 days after the deadline
Checked score
91
Excellent
Financially stronger than 27% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,183 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.4%● unchanged vs 07-2025highest value
09-2025: 0.4%● unchanged vs 08-2025
10-2025: < 0.1%▼ -0.4 percentage points vs 09-2025lowest value
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
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%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 0.84, cash €70,694
Size: total assets €143,184
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 86, micro). It does better than 6% of them on solvency, 20% on liquidity, 80% on profitability and 2% on growth.
The bankruptcy probability was computed on 07-11-2026 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, 2,157 companies had the same profile as SIMO has now. Each dot stands for 6 companies, two years later.
94.1%
were still trading
2.8%
stopped another way
3.0%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SIMO itself is lower: 0.1% within 12 months. It rests on far more data about SIMO than the profile alone.
Test of the method
The method was tested on the 497,447 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 2,157 companies, not a prediction for SIMO. 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 check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 20760 sector peers (2025).
NBB · sector comparisonPosition among 20760 sector peers
Solvency
better than 6%
← weakest
strongest →
raises risk · Young company
Founded in 2023, 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
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
61 days late
2024
29 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 45 days after the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% 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.
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1002804509
Incorporation
Founding capital of €2,000, 100 shares · Founder: SIWEZAK Arnaud Paul Edmond · Appointment: SIWEZAK Arnaud Paul Edmond (director) · published on 01-12-2023 · Gazette deed
First establishment
Rue Adonis Descamps 90, Mons
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SIMO Mons | €143,184 | €366,652 | 1.4% | - |
| IKARIA CARE Ronse | €166,812 | €382,865 | -690.4% | 8.1 |
| MONA-INFI Quaregnon | €158,418 | €288,693 | 82.2% | - |
| NEW DOMI-SOINS Frasnes-lez-Anvaing | €195,636 | €527,935 | -53.3% | - |
| SOINS PLUS Huy | €112,750 | €383,536 | -323.9% | - |
| Maxi soins Charleroi | €200,279 | €518,936 | 2.9% | - |
| AS Soins Quévy | €179,442 | €508,546 | 20.7% | - |
These companies have the same main activity as SIMO: nursing and midwifery (NACE 86940). They are comparable in size and age: total assets between €113,000 and €200,000, founded between 2021 and 2024.
Official details
Source: KBO- Status
- Active since 29-11-2023Normal situation
- Activity
- Nursing and midwiferyNACE 86940
- Establishment unit
- 2.355.500.0927021 Mons, since 29-11-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 29-10-2026
Annual accounts 2025
- €366,652▲ 109%
- ≈ €550,000estimated
- €78,473▼ 32.1%
- €2,036▼ 98.3%
- €143,184▼ 12.7%
- Employeeson 31-12-2025
- 4▲ 300%
- Filing
- Filed on 30-09-2026
Insights on SIMO
SIMO has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,036 and a net result of €78,473.
Its solvency ranks better than 6% of 20,760 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 30-09-2026, 61 days late€366,652
▲ 109%
€116,757
▼ 23.5%
€78,473
▼ 32.1%
-€21,986
▼ €121,755
1.4%
▼ 70.2 percentage points
0.84
▼ 2.30
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €550,000. Estimated: probably between €450,000 and €700,000.
Balance sheet
balance sheet total €143,184 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
1.4%
Higher than 6% of 20,760 companies in 2025.
0.84
Higher than 13% of 20,335 companies in 2025.
54.8%
Higher than 85% of 20,616 companies in 2025.
SIMO
Middle half of the sector
80% of the sector
Micro accounts in human health (NACE 86)
Net result: middle half · Equity: bottom quarter · Balance sheet total: middle half · Working capital: bottom quarter
Staff
€66,026
Staff costs divided by the average number of full-time equivalents.
+3 people
people who joined
people who left
In 2025, 5 people joined and 2 left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
143,184 | 164,076 | |
20 |
- | 682 | |
21/28 |
24,022 | 17,111 | |
22/27 |
24,022 | 17,111 | |
23 |
2,238 | 2,510 | |
24 |
21,784 | 14,601 | |
29/58 |
119,163 | 146,283 | |
40/41 |
48,319 | 114,495 | |
40 |
45,697 | 37,123 | |
41 |
2,623 | 77,372 | |
54/58 |
70,694 | 31,446 | |
490/1 |
149 | 341 | |
| Balance sheet: equity and liabilities | |||
10/49 |
143,184 | 164,076 | |
10/15 |
2,036 | 117,562 | |
10/11 |
2,000 | 2,000 | |
14 |
36 | 115,562 | |
17/49 |
141,149 | 46,514 | |
42/48 |
141,149 | 46,514 | |
42 |
15,000 | 25,000 | |
44 |
3,475 | 4,885 | |
440/4 |
3,475 | 4,885 | |
45 |
122,641 | 16,629 | |
450/3 |
76,347 | 16,222 | |
454/9 |
46,294 | 406 | |
47/48 |
33 | - | |
| Income statement | |||
9900 |
366,652 | 175,154 | |
62 |
237,694 | 17,553 | |
630 |
5,092 | 2,571 | |
640/8 |
7,108 | 2,483 | |
9901 |
116,757 | 152,547 | |
75/76B |
0 | 2,345 | |
75 |
0 | 2,345 | |
65/66B |
1,014 | 55 | |
65 |
1,014 | 55 | |
9903 |
115,743 | 154,836 | |
67/77 |
37,270 | 39,274 | |
9904 |
78,473 | 115,562 | |
9905 |
78,473 | 115,562 | |
| Appropriation of the result | |||
9906 |
194,036 | 115,562 | |
14P |
115,562 | - | |
694/7 |
194,000 | - | |
694 |
194,000 | - | |
| Social balance sheet | |||
9087 |
3.6 | 1 | |
Hours worked1013 |
6,411 | 840 | |
| 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 30-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 61 days after the deadline. Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00543394.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 121,850 | 155,117 | ||
| 83,565 | 118,133 | ||
| 11,321 | 18,864 | ||
| 39,248 | - | ||
| -21,986 | 99,769 | ||
| 1.4% | 71.7% | ||
| 0.84 | 3.14 | ||
| 69.34 | 0.40 | ||
| - | 98.3% | ||
| 54.8% | 70.4% | ||
| over 100 | over 100 |
A ratio outside any meaningful range has been withheld (balance sheet total €143,184, equity €2,036).
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.
Social balance sheet
| Item | 31-12-2025 | 31-12-2024 |
|---|---|---|
| Employees at the balance-sheet date | 4 | 1 |
| full-time | 3 | 1 |
| part-time | 1 | - |
| in full-time equivalents | 3.5 | 1 |
| 3.6 | 1 | |
| On a permanent contract | 4 | 1 |
| Joined | 5 | 1 |
| Left | 2 | 0 |
Source: social balance sheet in the 2024 to 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €11,321 | €18,864 |
| €5,092 | €2,571 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on SIMO
The operating result for 2025 is 23% lower than in 2024.
Debt's share of the balance-sheet total rises from 28.3% to 98.6%. Equity is lower and debt is higher.
Board & ownership
Board
1 director, since incorporationDirector
appointed by deed of 01-12-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 30-09-2026
Mandates through the years
1 name, the dashed line is todaySIWEZAK Arnaud Paul Edmond
Director
Director
Board
Mandates as a list
- SIWEZAK Arnaud Paul Edmond
- Director, from 29-11-2023 to date
Control
Capital
- Contribution
- €2,000
- Shares
- 100
- Contribution per share
- €20
- Equity per share
- €20.36 in 2025
- Source
- deed of 01-12-2023
Articles of association
deed of 01-12-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitie cedant moitie acquereurs, cessions entre vifs”
Shareholders
At incorporation
deed of 01-12-2023 ↗
- SIWEZAK Arnaud Paul Edmond 100 shares (100%)
Network & group
No group
SIMO has no parent and no holdings in its annual accounts. SIWEZAK Arnaud Paul Edmond is the only director. SIMO shares no director with another company.
At the same address
Rue Adonis Descamps 90, 7021 Mons · 1 other company| Siwezak, Arnaud (sole trader)
establishment since 01-07-2023 |
founded in 2023 0803.415.168 |
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:1002804509
Annual accounts 2025 filed NBBmicro format · 61 days late
2025
Annual accounts 2024 filed PDFmicro format · 29 days late
2023
IncorporationFounding capital of €2,000, 100 shares · Founder: SIWEZAK Arnaud Paul Edmond · Appointment: SIWEZAK Arnaud Paul Edmond (director) · published on 01-12-20236 points ▸
- Founder, SIWEZAK Arnaud Paul Edmond
- Founding capital, €2,000, 100 shares
- 100 shares
- Registered office clause, Rue Adonis Descamps, numéro 90, 7021 Mons (Havré)
- Board rule, 1, 4
- Director appointment, SIWEZAK Arnaud Paul Edmond
- The deed holds 4 more points.
First establishment Rue Adonis Descamps 90, Mons
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
SIMO was incorporated on 29 November 2023 as a private limited company by one natural person, with a starting capital of €2,000.12 SIWEZAK Arnaud Paul Edmond is director of the company, appointed by deed of 01-12-2023.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1002.804.509
- VAT number
- BE 1002.804.509
- Peppol ID
- 0208:1002804509
- Other Peppol ID
- 9925:BE1002804509
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-11-2023
- Financial year
- ends on 31 December
- Peppol
- Reachable since 29-10-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SIMO in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 01-12-2023 (in French)
Activities
NACEBEL 202586940
Nursing and midwifery main activity
Codes under NACEBEL 2008
86906
Human health activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “La pratique de l’art infirmier,le nursing,les soins infirmiers à domicile et en cabinet privé,l’activité d’infirmier hospitalier,centre de…”deed of 01-12-2023 (in French)
9 activities
- La pratique de l’art infirmier,le nursing,les soins infirmiers à domicile et en cabinet privé,l’activité d’infirmier hospitalier,centre de jours de soins infirmiers,de soins paramédicaux,la tarification de soins infirmiers et tout ce qui s’y rapporte dans les limites de la réglementation professionnelle.
- La société pourra acheter,louer et/ou vendre tout produit et matériel ayant un rapport direct ou indirect avec les activités précisées ci-avant.
- La société pourra également effectuer toutes opérations d’achats et de ventes dans le domaine de l’e-commerce.
- La société aura également pour objet le concept de location de bateau,le développement d’activités nautiques,l’achat,la vente de bateau et l’initiation aux sports nautiques.
- La société peut accomplir,tant en Belgique qu’à l’étranger,toutes opérations mobilières,financières ou immobilières n’altérant pas son caractère civil et se rattachant directement ou indirectement à son objet social.
- La société pourra notamment construire un immeuble,acquérir la pleine propriété ou des droits réels dans un immeuble,prendre en location ou en sous-location tout immeuble dans le but d’y exercer ses activités médicales,d’y établir son siège social ou administratif ou d’y loger ses dirigeants et les membres de leur famille.
- La société a également pour objet la gestion et la valorisation d’un patrimoine immobilier,notamment par l’achat,la vente,la location,la mise en location,la construction,le tout au sens le plus large.
- Elle peut s'intéresser dans toute entreprise ou toute société ayant un objet analogue ou similaire ou connexe au sien ou qui sont de nature à favoriser le développement de son entreprise,à lui procurer des matières premières ou à faciliter l'écoulement de ses produits,sous forme de participation,de souscription,d'apport,d'absorption,de fusion totale ou partielle ou autrement.
- La société peut également exercer les fonctions d'administrateur ou de liquidateur dans d'autres sociétés.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Adonis Descamps 90 registered office 7021 Mons | 29-11-2023 | 2.355.500.092 |
Buildings and parcels at the address
- Ground area
- 502 m²
- Buildings
- 60 m²
- Volume, LiDAR
- 485 m³
- Tallest building
- 9.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 53038B0260/00M002 | 502 m² | 1 · 60 m² | 9.7 m · 3 |
Contact
E-mail
simo.infi@hotmail.com establishment in Mons
Phone
+32 493 83 84 45 establishment in Mons