Equity
-€9,962
Debts exceed assets in financial year 2025.
SYNIT
Overview
Lifetime
1 annual account with figurespeak €46,899 (2025)
€46,899
lowest -€21,962 (2025)
-€21,962
peak -€9,962 (2025)
-€9,962
€36,212
Board1 name since 2024
1 directorvan der KRAAN Tjardick Wybe
Documentsfilings and deeds
23-09-202654 days late
2025micro format
Loss of €21,962First year with figures
Key points
from the 2025 annual accountsDebts
€36,212 138% of the balance sheet
Financial debts 13%Suppliers 43%Taxes and wages 21%Other 23%
Of this, €31,420 falls due within a year.
Position in the sector
-€21,962
Lower net result than 90% of companies in retail trade. Sector median €5,048 · 22,907 companies.
2025 accounts filed 54 days after the deadline
Checked score
45
Fair
Financially stronger than 7% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
4.3% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,277 companies (NACE 47, micro).
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2025: 1.8%lowest value
09-2025: 1.8%● unchanged vs 08-2025lowest value
10-2025: 1.9%▲ +0.1 percentage points vs 09-2025
11-2025: 2.2%▲ +0.3 percentage points vs 10-2025
12-2025: 2.3%▲ +0.1 percentage points vs 11-2025
01-2026: 2.6%▲ +0.3 percentage points vs 12-2025
02-2026: 2.8%▲ +0.2 percentage points vs 01-2026
03-2026: 2.8%● unchanged vs 02-2026
04-2026: 2.8%● unchanged vs 03-2026
05-2026: 2.7%▼ -0.1 percentage points vs 04-2026
06-2026: 3.0%▲ +0.3 percentage points vs 05-2026
07-2026: 3.1%▲ +0.1 percentage points vs 06-2026
08-2026: 3.1%● unchanged vs 07-2026
09-2026: 3.1%● unchanged vs 08-2026
10-2026: 4.3%▲ +1.2 percentage points vs 09-2026highest value
11-2026: 4.3%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Founded in 2024
Last filed accounts filed 54 days late; 1 of the last 3 accounts late
Negative equity -€9,962
lowers risk
Size: total assets €26,250
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 6% of them on solvency, 7% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 10-11-2026 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 elevated class on 30-06-2025, 6.3% 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, 7,639 companies had the same profile as SYNIT has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SYNIT itself: 4.3% 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 7,639 companies, not a prediction for SYNIT. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.84, below 1. Short-term debt is 119.7% and cash 3.7% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · 2025 accounts filed 54 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 1 filingDeviation from the deadline
2025
54 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Incorporation
Founding capital of €12,000, 100 shares · Founder: van der KRAAN Tjardick Wybe (shareholder) · Appointment: van der KRAAN Tjardick Wybe (director) · published on 22-07-2024 · Gazette deed
First establishment
Xefi Louvain-la-Neuve, Rue du Fond Cattelain 2, Mont-Saint-Guibert
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SYNIT Mont-Saint-Guibert | - | - | -38.0% | - |
| MY PHONE Molenbeek-Saint-Jean | €308,653 | 3.8% | 41.5% | - |
| MMGROUP Anderlecht | €380,792 | 9.7% | 90.9% | - |
| GOBARA Sint-Gillis (bij-Brussel) | - | - | 93.2% | - |
| HAMADA ROTTERDAM Molenbeek-Saint-Jean | €264,786 | 6.0% | -33.5% | - |
| Digital Worker Olen | - | - | 80.3% | - |
| SARIDAG Beauraing | - | - | 20.4% | - |
These companies have the same main activity as SYNIT: retail sale of information and communication equipment (NACE 47400). They are comparable in size and age: total assets between €29,100 and €43,700, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 18-07-2024Normal situation
- Registered office
- 120 active companies are registered at this address17 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Retail sale of information and communication equipmentNACE 47400and 4 others
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.362.093.7181435 Mont-Saint-Guibert, since 18-07-2024
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €46,899
- ≈ €440,000estimated
- €21,962
- -€9,962
- €26,250
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 23-09-2026
Insights on SYNIT
The computed 12-month bankruptcy probability of SYNIT is 4.3% (elevated). The 2025 annual accounts show negative equity (-€9,962) and a net result of -€21,962.
Its solvency ranks better than 14% 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.
Financials
Annual accounts 2025
micro format, filed on 23-09-2026, 54 days late€46,899
-€19,657
-€21,962
-€5,170
-38.0%
0.84
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 ≈ €440,000. Estimated: probably between €240,000 and €730,000.
Balance sheet
balance sheet total €26,250 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
-38.0%
Higher than 14% of 22,924 companies in 2025.
0.84
Higher than 24% of 22,052 companies in 2025.
-83.7%
Lower than 95% of 22,202 companies in 2025.
SYNIT
Middle half of the sector
80% of the sector
Micro accounts in retail trade (NACE 47)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Staff
€65,393
Staff costs divided by the average number of full-time equivalents.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
26,250 | |
29/58 |
26,250 | |
40/41 |
21,743 | |
40 |
21,743 | |
54/58 |
980 | |
490/1 |
3,527 | |
| Balance sheet: equity and liabilities | ||
10/49 |
26,250 | |
10/15 |
-9,962 | |
10/11 |
12,000 | |
14 |
-21,962 | |
17/49 |
36,212 | |
17 |
4,785 | |
170/4 |
4,785 | |
42/48 |
31,420 | |
42 |
5,014 | |
44 |
15,428 | |
440/4 |
15,428 | |
45 |
7,610 | |
450/3 |
5,931 | |
454/9 |
1,678 | |
47/48 |
3,369 | |
492/3 |
7 | |
| Income statement | ||
9900 |
46,899 | |
62 |
65,393 | |
640/8 |
1,162 | |
9901 |
-19,657 | |
75/76B |
66 | |
75 |
66 | |
65/66B |
2,004 | |
65 |
2,004 | |
9903 |
-21,595 | |
67/77 |
367 | |
9904 |
-21,962 | |
9905 |
-21,962 | |
| Appropriation of the result | ||
9906 |
-21,962 | |
| Social balance sheet | ||
9087 |
1 | |
Hours worked1013 |
1,800 | |
| Document | ||
The notes to these accounts have 6 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 23-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 54 days after the deadline. Filed on 23 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00520521.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 23-09-2026 | 2026-00520521 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 0 | ||
| -5,170 | ||
| -38.0% | ||
| 0.84 | ||
| -83.7% |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
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 |
|---|---|
| Employees at the balance-sheet date | 1 |
| full-time | 1 |
| part-time | 0 |
| in full-time equivalents | 1 |
| 1 | |
| On a permanent contract | 1 |
Source: social balance sheet in the 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Financial fixed assets | €0 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on SYNIT
Equity is negative. Debt (€36,212) exceeds the balance-sheet total (€26,250).
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 22-07-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 23-09-2026
Mandates through the years
1 name, the dashed line is todayvan der KRAAN Tjardick Wybe
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- van der KRAAN Tjardick Wybe
- Director (not named in the articles), appointed by deed of 22-07-2024, still in office
Control
Capital
- Contribution
- €12,000
- Shares
- 100
- Contribution per share
- €120
- Equity per share
- -€99.62 in 2025
- Source
- deed of 22-07-2024
Articles of association
deed of 22-07-2024 (in French)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 1 director“Assemblée fixe nombre,durée,pouvoirs en cas de pluralité, un ou plusieurs administrateurs,personnes physiques ou morales,actionnaires ou non”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of June
- 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
Shareholders
At incorporation
deed of 22-07-2024 ↗
- van der KRAAN Tjardick Wybe 100 shares (100%) · €12,000
Network & group
No group
SYNIT has no parent and no holdings in its annual accounts. van der KRAAN Tjardick Wybe is the only director. SYNIT shares no director with another company.
Timeline
Timeline
3 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 54 days late
2024
IncorporationFounding capital of €12,000, 100 shares · Founder: van der KRAAN Tjardick Wybe (shareholder) · Appointment: van der KRAAN Tjardick Wybe (director) · published on 22-07-20245 points ▸
- Founder, van der KRAAN Tjardick Wybe (shareholder)
- Founding capital, €12,000, 100 shares
- van der KRAAN Tjardick Wybe holds 100 shares
- Registered office clause, rue du Fond Cattelain 2, 1435 Mont-Saint-Guibert
- Director appointment, van der KRAAN Tjardick Wybe (director (not named in the articles))
- The deed holds 3 more points.
First establishment Xefi Louvain-la-Neuve, Rue du Fond Cattelain 2, Mont-Saint-Guibert
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1011.744.939
- VAT number
- BE 1011.744.939
- Peppol ID
- 0208:1011744939
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 18-07-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Tuesday of Junedeed of 22-07-2024 (in French)
- Peppol
- Reachable via PeppolFollow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SYNIT in French
- Name in the Peppol Directory
- XEFI Louvain-La-Neuve (SYNIT SRL)
- Entity type
- Legal entity
Activities
NACEBEL 2025VAT activities
47400
Retail sale of information and communication equipment main activity
62100
Computer programming
Social security (RSZ) activities
62100
Computer programming main activity
Joint committees annual accounts 2025
JC 200
Auxiliary committee for white-collar workers
Codes under NACEBEL 2008
VAT activities
47410
Retail trade main activity
47420
Retail trade
58290
Publishing activities
61200
Telecommunications
61900
Telecommunications
62010
Computer programming, consultancy and related activities
Social security (RSZ) activities
62010
Computer programming, consultancy and related activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L'achat, la vente, la location de matériel informatique, de software et de hardware; L'achat, la vente, la location de tout système de…”deed of 22-07-2024 (in French)
12 activities
- L'achat, la vente, la location de matériel informatique, de software et de hardware.
- L'achat, la vente, la location de tout système de télécommunication.
- L'achat, la vente de tout matériel touchant de près ou de loin à tout ce qui est audiovisuel, électronique, matériel de bureau, matériel électrique tant industriel que privé.
- Le développement de programme, le suivi de projets.
- Offre de sauvegarde
- Offre de maintenance
- Offre de Cloud Computing
- Offre de messagerie
- Offre de sécurité
- Offre assistance logicielle
- Offre d'assistance informatique
- Offre d’accès internet
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Xefi Louvain-la-Neuve registered office Rue du Fond Cattelain 2, 1435 Mont-Saint-Guibert | 18-07-2024 | 2.362.093.718 |