Advocaat Mathias Swevers
ActiveAdvocaat Mathias Swevers has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70k and a net result of €45k. Equity is growing by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 64% of 12685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency95▼-5
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.82 against 4.17 in 2024; short-term debt: 30% and cash: 71.3% of total assets), and 30% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
70%
Return on assets
44.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
11 d early
2024
6 d early
2023
6 d early
2022
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€70k▼ 43.0%
2024 · €123k
2022: €47k
2023: €88k
2024: €123k
2022 → 2025
Total assets
€100k▼ 37.4%
2024 · €160k
2022: €82k
2023: €132k
2024: €160k
2022 → 2025
Net result
€45k▲ 26.4%
2024 · €35k
2022: €42k
2023: €41k
2024: €35k
2022 → 2025
Working capital
€55k▼ 53.5%
2024 · €118k
2022: €45k
2023: €87k
2024: €118k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€47k-€88k▲ 86.8%€123k▲ 40.1%€70k▼ 43.0%
Operating result€55k-€53k▼ 3.0%€46k▼ 14.2%€57k▲ 25.5%
Net result€42k-€41k▼ 2.9%€35k▼ 13.7%€45k▲ 26.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€15k▲ 207%
Current assets
€85k▼ 45.3%
Equity and liabilities €100k
Equity
€70k▼ 43.0%
Debt
€30k▼ 19.2%
The debt ratio rises from 23.3% to 30.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€59k▲
2024 · €47k
Cash flow
€46k▲
2024 · €36k
Solvency
70.0%▼
2024 · 76.7%
Current ratio
2.82▼
2024 · 4.17
Quick ratio
2.82▼
2024 · 4.17
Debt / equity
0.43▲
2024 · 0.30
ROE
63.4%▲
2024 · 28.6%
ROA
44.4%▲
2024 · 22.0%
Interest coverage
63.52▲
2024 · 39.37
Debt
€30k▼
2024 · €37k
Debt ≤ 1 year
€30k▼
2024 · €37k
Income taxes
€12k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€160k€100k▼
Fixed assets21/28€5k€15k▲
Tangible fixed assets22/27€5k€15k▲
Plant, machinery and equipment23€1k€457▼
Furniture and vehicles24-€2k
Other tangible fixed assets26€4k€13k▲
Current assets29/58€155k€85k▼
Amounts receivable within one year40/41€17k€10k▼
Trade receivables40€15k€10k▼
Other amounts receivable41€1k€53▼
Cash at bank and in hand54/58€135k€72k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€160k€100k▼
Equity10/15€123k€70k▼
Contributions10/11€5k€3k▼
Profit (loss) carried forward14€118k€68k▼
Amounts payable17/49€37k€30k▼
Amounts payable within one year42/48€37k€30k▼
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€20k€13k▼
Taxes450/3€17k€11k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€15k€8k▼
Accrued charges and deferred income492/3-€70
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€0▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€51k€60k▲
Operating profit (loss)9901€46k€57k▲
Financial income75/76B€107€7▼
Recurring financial income75€107€7▼
Financial charges65/66B€1k€928▼
Recurring financial charges65€1k€928▼
Profit (loss) for the period before taxes9903€44k€56k▲
Income taxes67/77€9k€12k▲
Profit (loss) for the period9904€35k€45k▲
Profit (loss) for the period to be appropriated9905€35k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€118k€162k▲
Profit (loss) brought forward from the previous period14P€83k€117k▲
Profit to be distributed694/7-€94k
Return on contributions (dividend)694-€94k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €45k ▲26.4%
Operating result €57k, net result €45k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €35k ▼13.7%
Net result drops to €35k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €123k ▲40.1%
3 profitable years in a row build equity to €123k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Heusden-Zolder · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Groenstraat 63550 Heusden-ZolderGround area
2,534 m²
Building footprint
256 m²
Volume, LiDAR
1,238 m³
Parcel 71065F0413/00V000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Advocaat Mathias Swevers
since 20212.326.140.469
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065F0413/00V000 | Flanders | 2,534 m² | 1 · 256 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 920 EUR awarded · 920 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 300 EUR | 300 EUR |
| 2024 | 1 | 371 EUR | 371 EUR |
| 2023 | 1 | 129 EUR | 129 EUR |
| 2022 | 1 | 120 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,051 companies in sector 69101 we hold annual accounts for 9,053. 7,461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2021
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.