DSW-Consult is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €115k and a net result of €31k. Equity is growing by ~38.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 2423 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
3 d early
2024
29 d late
2023
on the day
2022
on the day
2021
2 d early
2020
1 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 37.6%
2024 · €83k
2020: €4k
2021: €26k
2022: €42k
2023: €66k
2024: €83k
2020 → 2025
Net result
€31k▲ 84.3%
2024 · €17k
2020: €2k
2021: €23k
2022: €15k
2023: €25k
2024: €17k
2020 → 2025
Total assets
€142k▲ 45.6%
2024 · €98k
2020: €11k
2021: €37k
2022: €55k
2023: €80k
2024: €98k
2020 → 2025
Solvency
80.6%▼ 4.7pp
2024 · 85.3%
2020: 34.0%
2021: 72.0%
2022: 75.4%
2023: 83.2%
2024: 85.3%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€42k▲ 57.5%€66k▲ 59.2%€83k▲ 25.6%€115k▲ 37.6%
Operating result€31k-€20k▼ 37.1%€31k▲ 55.1%€17k▼ 43.6%€36k▲ 109%
Net result€23k-€15k▼ 33.4%€25k▲ 62.1%€17k▼ 31.1%€31k▲ 84.3%
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 109% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€2k
Current assets
€141k
Equity and liabilities €142k
Equity
€115k▲ 37.6%
Debt
€28k▲ 92.2%
The debt ratio rises from 14.7% to 19.4%. Equity and debt are higher.
Key figures and ratios
Solvency
80.6%▼
2024 · 85.3%
ROE
27.3%▲
2024 · 20.4%
ROA
22.0%▲
2024 · 17.4%
Debt
€28k▲
2024 · €14k
Debt ≤ 1 year
€25k▲
2024 · €9k
Debt > 1 year
€2k▼
2024 · €5k
Income taxes
€10k▲
2024 · €4k
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€98k€142k▲
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Plant, machinery and equipment23-€2k
Current assets29/58€98k€141k▲
Amounts receivable within one year40/41€95k€133k▲
Trade receivables40€10k€13k▲
Other amounts receivable41€85k€120k▲
Cash at bank and in hand54/58€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€98k€142k▲
Equity10/15€83k€115k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€81k€113k▲
Amounts payable17/49€14k€28k▲
Amounts payable after more than one year17€5k€2k▼
Financial debts170/4€5k€2k▼
Amounts payable within one year42/48€9k€25k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€8k€20k▲
Taxes450/3€8k€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€6k
Other operating charges640/8€2k€334▼
Gross operating margin9900€19k€42k▲
Operating profit (loss)9901€17k€36k▲
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€60€41▼
Recurring financial charges65€60€41▼
Profit (loss) for the period before taxes9903€21k€41k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€17k€31k▲
Profit (loss) for the period to be appropriated9905€17k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€113k▲
Profit (loss) brought forward from the previous period14P€64k€81k▲
The notes to these accounts (6 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €31k ▲84.3%
Operating result €36k, net result €31k, both a record.
31-12
Financial
Equity above €100kEq €115k ▲37.6%
6 profitable years in a row build equity to €115k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 3.58
Current ratio from 1.51 to 3.58.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Essen · 1 establishment unit since 2020
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.
Hemelrijklaan 602910 EssenGround area
166 m²
Building footprint
93 m²
Volume, LiDAR
504 m³
Parcel 11016E0727/00C000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DSW-Consult
since 20202.310.747.856
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11016E0727/00C000 | Flanders | 166 m² | 1 · 93 m² | 9.0 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.
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Of 853 companies in sector 66210 we hold annual accounts for 511. 442 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2020
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
66290Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
1 entryE-mail:derricksweers@hotmail.com