SWIFTIFY
ActiveFrom the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
The computed 12-month bankruptcy probability of SWIFTIFY is 3.1% (moderate). The 2025 annual accounts show equity of €1,706 and a net result of €349. Its solvency ranks better than 36% of 22,726 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.
Financials · financial year 2025, micro format
2025 annual accounts filed 74 days after the deadline Filed on 13 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00557871.
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 13-10-2026
- Format
- micro format
- Reference
- 2026-00557871
2024 to 2025, 2 financial years
The operating result for 2025 is a profit of €548, after a loss of €619 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Retail trade (NACE 47). 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 dashed line is the median. There is a sector band for net result, equity, total assets and working capital.
Companies with the same profile, two years later
Historical observationIn July 2024, 2,542 companies had the same profile as SWIFTIFY has now. Two years later, 3.5% had gone bankrupt and 94.9% were still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SWIFTIFY itself: 3.1% within 12 months.
Test of the method
The method was tested on the 497,445 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.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Non-recurring operating income76A | - | €74 | - |
| Other operating charges640/8 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | -€231 | €948 | - |
| Operating profit (loss)9901 | -€619 | €548 | - |
| Financial charges65/66B | €24 | €199 | ▲ 720% |
| Recurring financial charges65 | €24 | €199 | ▲ 720% |
| Profit (loss) for the period before taxes9903 | -€643 | €349 | - |
| Profit (loss) for the period9904 | -€643 | €349 | - |
| Profit (loss) for the period to be appropriated9905 | -€643 | €349 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €1,609 | €9,568 | ▲ 495% |
| Current assets29/58 | €1,609 | €9,568 | ▲ 495% |
| Amounts receivable within one year40/41 | €1,100 | €1,584 | ▲ 44.0% |
| Trade receivables40 | €124 | €1,380 | ▲ 11× |
| Other amounts receivable41 | €976 | €205 | ▼ 79.0% |
| Cash at bank and in hand54/58 | €509 | €7,984 | ▲ 16× |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €1,609 | €9,568 | ▲ 495% |
| Equity10/15 | €1,357 | €1,706 | ▲ 25.7% |
| Contributions10/11 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | -€643 | -€294 | ▲ 54.3% |
| Amounts payable17/49 | €252 | €7,861 | ▲ 31× |
| Amounts payable within one year42/48 | €252 | €7,861 | ▲ 31× |
| Trade debts44 | €102 | €7,151 | ▲ 70× |
| Suppliers440/4 | €102 | €7,151 | ▲ 70× |
| Taxes, remuneration and social security45 | - | €73 | - |
| Taxes450/3 | - | €73 | - |
| Other amounts payable47/48 | €150 | €637 | ▲ 325% |
Comparable companies
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.
| Company | Founded | Total assets | Equity | Gross margin | Turnover | Net result | Financial year |
|---|---|---|---|---|---|---|---|
| SWIFTIFY Evere | 2024 | €9,568 | €1,706 | €948 | - | €349 | 2025 |
| CHIWIN Brussel | 2024 | €8,596 | €8,596 | -€388 | €200 | -€388 | 2025 |
| SUNITER Elsene | 2024 | €6,988 | -€832 | -€1,711 | - | -€2,832 | 2024 |
| Pokeaa Group Braine-le-Château | 2024 | €8,886 | -€7,085 | -€7,907 | €0 | -€8,482 | 2025 |
| Seventh Trade Lierneux | 2024 | €10,853 | -€26,068 | -€11,847 | - | -€19,151 | 2025 |
| PLIFORTA Haacht | 2024 | €9,447 | €9,447 | -€166 | - | -€553 | 2025 |
| Auction Deals Beveren-Kruibeke-Zwijndrecht | 2023 | €9,563 | -€19,640 | €112 | - | -€5,124 | 2025 |
They were chosen from the 2,370 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.