Turnover
≈ €11,000 estimated
The micro format states no turnover.
SWIFTIFY
Lifetime
2 annual accounts with figures on one time axispeak €948 (2025)
€948▲ €1,179
lowest -€643 (2024)
€349▲ €992
peak €1,706 (2025)
€1,706▲ 25.7%
€7,861▲ 31×
Board1 name since 2024
1 directorEL AISATI Jallal
Documentsfilings and deeds
13-10-202674 days late
2025micro format
Gross margin from -€231 to €948Back to profit: €349Equity from €1,357 to €1,706Debts from €252 to €7,861Cash from €509 to €7,984
Key points
from the 2025 annual accountsDebts
€7,861 82% of the balance sheet
Suppliers 91%Taxes and wages 1%Other 8%
Starting capital
€2,000 100 shares
2025 accounts filed 74 days after the deadline
Checked score
50
Fair
Financially stronger than 51% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.3% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2025: 3.9%
05-2025: 4.0%▲ +0.1 percentage points vs 04-2025
06-2025: 4.0%● unchanged vs 05-2025
07-2025: 4.6%▲ +0.6 percentage points vs 06-2025
08-2025: 4.6%● unchanged vs 07-2025
09-2025: 5.0%▲ +0.4 percentage points vs 08-2025
10-2025: 5.2%▲ +0.2 percentage points vs 09-2025
11-2025: 5.3%▲ +0.1 percentage points vs 10-2025highest value
12-2025: 2.7%▼ -2.6 percentage points vs 11-2025
01-2026: 2.6%▼ -0.1 percentage points vs 12-2025
02-2026: 2.6%● unchanged vs 01-2026lowest value
03-2026: 2.7%▲ +0.1 percentage points vs 02-2026
04-2026: 3.2%▲ +0.5 percentage points vs 03-2026
05-2026: 3.3%▲ +0.1 percentage points vs 04-2026
06-2026: 3.2%▼ -0.1 percentage points vs 05-2026
07-2026: 3.4%▲ +0.2 percentage points vs 06-2026
08-2026: 4.4%▲ +1.0 percentage point vs 07-2026
09-2026: 4.6%▲ +0.2 percentage points vs 08-2026
10-2026: 3.1%▼ -1.5 percentage points vs 09-2026
11-2026: 3.3%▲ +0.2 percentage points vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 74 days late; 2 of the last 3 accounts late
Founded in 2024
1 change of registered office in 24 months
Size: total assets €9,568
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 47, micro). It does better than 34% of them on solvency, 60% on liquidity, 34% on profitability and 77% on growth.
The bankruptcy probability was computed on 09-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 2,542 companies had the same profile as SWIFTIFY has now. Each dot stands for 7 companies, two years later.
95.0%
were still trading
1.2%
stopped another way
3.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SWIFTIFY itself: 3.3% within 12 months.
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 2,542 companies, not a prediction for SWIFTIFY. 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.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
raises risk
raises risk · 2025 accounts filed 74 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-10-2026, 74 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
74 days late
2024
94 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 84 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Left the Peppol Directory
Registered office moved within Evere
New registered office: Avenue Henri Conscience 63, 1140 Evere · Previous registered office: Rue Plaine d'Aviation 63, 1140 Evere · General meeting of 29-11-2024 · Gazette deed
First establishment
H. Consciencelaan 63, Evere
Incorporation
Founding capital of €2,000, 100 shares · Founder: EL AISATI Jallal · Appointment: EL AISATI Jallal (director) · published on 11-03-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SWIFTIFY Evere | €9,568 | €948 | 17.8% | - |
| CHIWIN Brussels | €8,596 | -€388 | 100.0% | - |
| SUNITER Ixelles | €6,988 | -€1,711 | -11.9% | - |
| Pokeaa Group Braine-le-Château | €8,886 | -€7,907 | -79.7% | - |
| Seventh Trade Lierneux | €10,853 | -€11,847 | -240.2% | - |
| PLIFORTA Haacht | €9,447 | -€166 | 100.0% | - |
| Auction Deals Beveren-Kruibeke-Zwijndrecht | €9,563 | €112 | -205.4% | - |
These companies have the same main activity as SWIFTIFY: other non-specialised retail sale (NACE 47120). They are comparable in size and age: total assets between €6,990 and €10,900, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 07-03-2024Normal situation
- Activity
- Other non-specialised retail saleNACE 47120and 9 others
- Establishment unit
- 2.356.857.7951140 Evere, since 14-03-2024
- Financial year end
- 31 December
- Peppol
- Left the register on 14-10-2026
Insights on SWIFTIFY
The computed 12-month bankruptcy probability of SWIFTIFY is 3.3% (moderate). The 2025 annual accounts show equity of €1,706 and a net result of €349.
Its solvency ranks better than 37% of 22,924 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SWIFTIFY
- What is the company number of SWIFTIFY?
- The company number of SWIFTIFY is 1006.866.235. The VAT number is the same number with BE in front: BE 1006.866.235.
- Where is SWIFTIFY based?
- The registered office is at H. Consciencelaan 63, 1140 Evere.Company details
- What does SWIFTIFY do?
- According to the KBO register, the main activity is other non-specialised retail sale (NACE 47120).
- What is the legal form of SWIFTIFY?
- SWIFTIFY is a private limited company (BV).
- When was SWIFTIFY founded?
- SWIFTIFY was founded on 07-03-2024.
- Is SWIFTIFY still active?
- Yes, SWIFTIFY is an active enterprise in the KBO register.
- What is the turnover of SWIFTIFY?
- The turnover in financial year 2025 is ≈ €11,000. This figure is estimated from the gross margin of €948 and 32 comparable companies (NACE 47120). It probably lies between €4,900 and €22,000. It is a rough estimate.Financials
- Is SWIFTIFY profitable?
- In financial year 2025, SWIFTIFY made a profit of €349.
- Where can I find the annual accounts of SWIFTIFY?
- SWIFTIFY filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SWIFTIFY due?
- SWIFTIFY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
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