Equity
€87,759 ▲ 216%
Equity rose in 2025 from €27,780 to €87,759.
SWIBEL
Overview
Lifetime
3 annual accounts with figures on one time axispeak €76,338 (2025)
€76,338▲ 183%
peak €56,448 (2025)
€56,448▲ 249%
peak €87,759 (2025)
€87,759▲ 216%
€33,313▲ 93.0%
Board1 name since 2022
1 directorMehdi Mimoun
Documentsfilings and deeds
30-09-202661 days late
2025micro format
Gross margin from €26,982 to €76,338Result from €16,174 to €56,448Equity from €27,780 to €87,759Debts from €17,264 to €33,313Investments €12,736Cash from €14,425 to €60,290
Key points
from the 2025 annual accountsInvestments
€12,736 13.1 × depreciation
Green is investment, beige is depreciation.
Filings
3 annual accounts 61 days
Latest accounts filed late: after the legal deadline.
Checked score
96
Excellent
Financially stronger than 84% of micro companies in office administrative support (NACE 82)
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: 0.2% across 12,672 companies (NACE 82, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.1%
01-2025: 1.1%● unchanged vs 12-2024
02-2025: 1.1%● unchanged vs 01-2025
03-2025: 1.1%● unchanged vs 02-2025
04-2025: 1.1%● unchanged vs 03-2025
05-2025: 1.1%● unchanged vs 04-2025
06-2025: 1.1%● unchanged vs 05-2025
07-2025: 1.1%● unchanged vs 06-2025
08-2025: 1.6%▲ +0.5 percentage points vs 07-2025highest value
09-2025: 0.2%▼ -1.4 percentage points vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026
04-2026: 0.3%▲ +0.1 percentage points vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.1 percentage points vs 07-2026
09-2026: 0.5%▲ +0.1 percentage points vs 08-2026
10-2026: 0.1%▼ -0.4 percentage points vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 61 days late; 2 of the last 3 accounts late
lowers risk
Liquidity: current ratio 3.33, cash €60,290
Sector: Office administrative, office support and other business support activities (NACE 82)
Equity €87,759 (71.8% of total assets)
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 82, micro). It does better than 72% of them on solvency, 84% on liquidity, 87% on profitability and 95% on growth.
The bankruptcy probability was computed on 08-11-2026 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, 39,278 companies had the same profile as SWIBEL has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of SWIBEL itself is lower: 0.1% within 12 months. It rests on far more data about SWIBEL 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 39,278 companies, not a prediction for SWIBEL. 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
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.33 (2.56 in 2024), above the usual 1.5. Short-term debt is 26.8% and cash 49.3% of total assets. 28.2% of the assets are financed with debt and provisions.
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
Five signals.
lowers riskraises risk
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 · 3 filingsDeviation from the deadline
2025
61 days late
2024
31 days late
2023
18 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 37 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 31 August (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0794464840
Purpose change · Amendment of the articles
“L'organisation de la comptabilité et des services comptables et les activités de conseil en matière…” (deed in French) · General meeting of 28-12-2023 · Gazette deed
Incorporation
Founding capital of €1, 1 share · Founder: MIMOUN Mehdi · Appointment: MIMOUN Mehdi (director) · published on 08-12-2022 · Gazette deed
First establishment
François Vervloetstraat 140, Uccle
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SWIBEL Uccle | €122,186 | €76,338 | 71.8% | - |
| HH Company.be Jette | €121,974 | €78,194 | 70.2% | - |
| JasKe Rumst | €127,616 | €76,225 | 3.9% | - |
| LAUXILIUM Sint-Katelijne-Waver | €138,356 | €69,206 | 85.6% | - |
| AnneLease Antwerp | €118,236 | €64,300 | 64.0% | - |
| BGRT-INVEST Erpe-Mere | €148,803 | €76,733 | 86.9% | - |
| PAG Consult Heist-op-den-Berg | €106,411 | €68,685 | 12.3% | - |
These companies have the same main activity as SWIBEL: office administrative and support services (NACE 82100). They are comparable in size and age: total assets between €106,000 and €149,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 06-12-2022Normal situation
- Activity
- Office administrative and support servicesNACE 82100and 2 others
- Establishment unit
- 2.339.288.8201180 Uccle, since 06-12-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 08-09-2025
Annual accounts 2025
- €76,338▲ 183%
- ≈ €160,000estimated
- €56,448▲ 249%
- €87,759▲ 216%
- €122,186▲ 171%
- Filing
- Filed on 30-09-2026
Insights on SWIBEL
SWIBEL files the micro format. That format states no turnover. The gross margin rose from €21,918 in 2023 to €76,338 in 2025.
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€76,338
▲ 183%
€72,342
▲ 197%
€56,448
▲ 249%
€76,375
▲ 187%
71.8%
▲ 10.2 percentage points
3.33
▲ 0.77
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 ≈ €160,000. Estimated: probably between €130,000 and €220,000.
Balance sheet
balance sheet total €122,186 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
71.8%
Higher than 71% of 9,691 companies in 2025.
3.33
Higher than 69% of 9,309 companies in 2025.
46.2%
Higher than 86% of 9,433 companies in 2025.
SWIBEL
Middle half of the sector
80% of the sector
Micro accounts in office administrative support (NACE 82)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
122,186 | 45,044 | 37,004 | |
21/28 |
13,084 | 1,320 | - | |
21 |
9,289 | - | - | |
22/27 |
3,794 | 1,320 | - | |
24 |
3,794 | 1,320 | - | |
29/58 |
109,102 | 43,724 | 37,004 | |
40/41 |
48,121 | 29,235 | 22,840 | |
40 |
16,490 | 15,974 | 22,838 | |
41 |
31,631 | 13,262 | 2 | |
50/53 |
- | - | 12,686 | |
54/58 |
60,290 | 14,425 | - | |
490/1 |
692 | 64 | 1,478 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
122,186 | 45,044 | 37,004 | |
10/15 |
87,759 | 27,780 | 11,605 | |
10/11 |
1 | 1 | - | |
14 |
84,227 | 27,779 | 11,605 | |
15 |
3,531 | - | - | |
16 |
1,114 | - | - | |
168 |
1,114 | - | - | |
17/49 |
33,313 | 17,264 | 25,399 | |
42/48 |
32,727 | 17,078 | 25,229 | |
44 |
2,199 | 2,325 | 14,408 | |
440/4 |
2,199 | 2,325 | 14,408 | |
45 |
30,529 | 14,753 | 10,821 | |
450/3 |
30,529 | 14,753 | 10,821 | |
454/9 |
- | - | 0 | |
492/3 |
586 | 186 | 169 | |
| Income statement | ||||
9900 |
76,338 | 26,982 | 21,918 | |
630 |
973 | 416 | - | |
631/4 |
300 | - | - | |
640/8 |
2,723 | 2,232 | 4,687 | |
9901 |
72,342 | 24,335 | 17,231 | |
75/76B |
64 | - | - | |
75 |
64 | - | - | |
65/66B |
1,416 | 2,000 | 2,001 | |
65 |
1,416 | 2,000 | 2,001 | |
9903 |
70,990 | 22,335 | 15,230 | |
780 |
16 | - | - | |
67/77 |
14,558 | 6,161 | 3,625 | |
9904 |
56,448 | 16,174 | 11,605 | |
9905 |
56,448 | 16,174 | 11,605 | |
| Appropriation of the result | ||||
9906 |
84,227 | 27,779 | 11,605 | |
14P |
27,779 | 11,605 | - | |
| Document | ||||
The notes to these accounts have 11 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, 2026-00533422.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 73,315 | 24,751 | - | ||
| 57,420 | 16,589 | - | ||
| 12,736 | 1,736 | - | ||
| 45,865 | - | - | ||
| 76,375 | 26,646 | 11,775 | ||
| 71.8% | 61.7% | 31.4% | ||
| 3.33 | 2.56 | 1.47 | ||
| 0.38 | 0.62 | 2.19 | ||
| 64.3% | 58.2% | 100.0% | ||
| 46.2% | 35.9% | 31.4% | ||
| 51.76 | 12.37 | - |
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 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €3,286 | €1,736 | - |
| Intangible fixed assets | €9,450 | - | - |
| €973 | €416 | - |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on SWIBEL
The operating result for 2025 is 197% higher than in 2024 and the highest since 2023. It is the second rise in a row.
Debt's share of the balance-sheet total falls from 38.3% to 27.3%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector
since 05-12-2022
term without a fixed end
also on the board of 1 other company
listed in the 2023 annual accounts, filed on 18-08-2024
1 other company judicially dissolved- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Chaque administrateur est investi des pouvoirs les plus étendus pour faire seul tous actes qui intéressent la société. Il a dans sa…”deed of 08-12-2022
Mandates through the years
1 name, the dashed line is todayControl
Founder
MIMOUN Mehdi
This company
SWIBEL
Equity €87,759
Profit €56,448 in 2025
Capital
- Contribution
- €1
- Shares
- 1
- Contribution per share
- €1
- Equity per share
- €87,759 in 2025
- Source
- deed of 08-12-2022
Articles of association
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 08-12-2022 (in French)
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Article 9, majorité des actions détenue par des experts-comptables fiscalistes et/ou personnes à qualité équivalente dans un autre état…”deed of 09-01-2024 (in French)
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of June at 15:00deed of 08-12-2022 (in French)
Shareholders
At incorporation
deed of 08-12-2022 ↗
- MIMOUN Mehdi 1 share (100%) · €1
The directors' other companies
1 current director with another company that went bankrupt, was dissolved or struck off1 other company of this director was judicially dissolved (2026).
- KURO SHIRO judicial dissolution on 27-02-2026Official Gazettemandate 2022 to 2024
Source: Belgian Official Gazette (bankruptcies, judicial dissolutions, board mandates), FPS Economy (strike-offs) and the KBO register. A bankruptcy, dissolution or strike-off says nothing about the director's part in it.
Network & group
No group
SWIBEL has no parent and no holdings in its annual accounts. Mehdi Mimoun is the only director.
At the same address
François Vervloetstraat 140, 1180 Uccle · 2 other companies| NUTRIREPAIR
registered office since 06-09-2022 · founded in 2022 · negative equity (2025) |
turnover €1,570 (2025) 0790.512.980 |
| Mimoun, Mehdi (sole trader)
establishment since 22-05-2021 |
founded in 2021 0767.553.872 |
Earlier ties
| KURO SHIRO via Mehdi Mimoun, no longer at KURO SHIRO · Director · deed of 23-09-2022 |
founded in 2022 |
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
NUTRIREPAIR
via Mehdi Mimoun · Director · deed of 08-09-2022
Founded in 2022 · turnover €1,570 (2025) · negative equity
→
Timeline
Timeline
8 events since 2022Filings
Financial
Establishments
Other
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 61 days late
2025
Highest result from 2023 to 2025 net €56,448 ▲249% The operating result of €72,342 and the net result of €56,448 are both a record.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0794464840
Annual accounts 2024 filed PDFmicro format · 31 days late
2024
Annual accounts 2023 filed PDFmicro format · 18 days late
Purpose change · Amendment of the articles“L'organisation de la comptabilité et des services comptables et les activités de conseil en matière…” (deed in French) · General meeting of 28-12-20231 point ▸
- General meeting, 28-12-2023
- The deed holds 7 more points.
2022
IncorporationFounding capital of €1, 1 share · Founder: MIMOUN Mehdi · Appointment: MIMOUN Mehdi (director) · published on 08-12-20226 points ▸
- Founder, MIMOUN Mehdi
- Founding capital, €1, 1 share
- 1 share
- Registered office clause, Rue François Vervloet 140, 1180 Uccle
- Board rule, 1
- Director appointment, MIMOUN Mehdi
- The deed holds 8 more points.
First establishment François Vervloetstraat 140, Uccle
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 6 December 2022, SWIBEL was incorporated as a private limited company by one natural person, with a starting capital of €1.12 Mehdi Mimoun has served as director since 2022.3 Total assets went from €37,004 in 2023 to €122,186 in 2025.4
Company details
Identity
- Enterprise number
- 0794.464.840
- VAT number
- BE 0794.464.840
- Peppol ID
- 0208:0794464840
- Other Peppol ID
- 9925:BE0794464840
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 06-12-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of June at 15:00deed of 08-12-2022 (in French)
- Peppol
- Reachable since 08-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SWIBEL in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 08-12-2022 (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 de Bruxelles-Capitale”deed of 08-12-2022 (in French)
Activities
NACEBEL 202582100
Office administrative and support services main activity
Codes under NACEBEL 2008
82110
Office administrative, office support and other business support activities main activity
70220
Business consulting
82190
Office administrative, office support and other business support activities
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'organisation de la comptabilité et des services comptables et les activités de conseil en matière d'organisation comptable des…”deed of 09-01-2024 (in French)
12 activities
- L'organisation de la comptabilité et des services comptables et les activités de conseil en matière d'organisation comptable des entreprises;
- La détermination des résultats et l'établissement des comptes annuels conformément aux dispositions légales en la matière;
- L'ouverture, la tenue, la centralisation et la clôture des écritures comptables propres à l'établissement des comptes;
- La vérification et le redressement de tous les documents comptables qui ne conduisent pas à une attestation ou un rapport d'expertise destinés à être remis à des tiers;
- L'analyse par les procédés de la technique comptable de la situation et du fonctionnement des entreprises du point de vue de leur crédit, de leur rendement et de leurs risques qui ne conduit pas à une attestation ou un rapport d'expertise destinés à être remis à des tiers;
- L'expertise, tant privée que judiciaire, dans le domaine de la comptabilité des entreprises;
- Toute mission visée aux points 4 à 6 exercée par un expert-comptable certifié autre que le professionnel habituel qui conduit à une attestation ou un rapport d'expertise destinés à être remis à des tiers;
- Les autres missions dont l'accomplissement est réservé par la loi ou en vertu de la loi à l'expert-comptable certifié;
- La délivrance d'avis se rapportant à toutes matières fiscales;
- L'assistance du contribuable dans l'accomplissement de ses obligations fiscales;
- La représentation du contribuable auprès de l'administration fiscale;
- L'organisation des services administratifs et le conseil sur l'organisation administrative des entreprises.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| François Vervloetstraat 140 registered office 1180 Uccle | 06-12-2022 | 2.339.288.820 |
Buildings and parcels at the address
- Ground area
- 172 m²
- Buildings
- 87 m²
- Volume, LiDAR
- 661 m³
- Tallest building
- 12.0 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21616G0308/00H000 | 172 m² | 1 · 87 m² | 12.0 m · 3 |