Financials
- Fiscal year
- 2025
- Turnover
- €884,691
- Profit
- €56,053
- Solvency
- 29.1%
Turnover▼ 11.0%
Net result
20232025
FIX & SWAP
ActiveSummary
FIX & SWAP has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132,114 and a net result of €56,053. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 3009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Repair and maintenance of computers and communication equipment
NACE 95100NACE 95110NACE 95120
#5 company by total assets in Kraainem, Other services sector4 sites
Size
€884,691turnover 2025
- Staff
- 5.1 FTE
- Equity
- €132,114
- Profit
- €56,053
Structure
Accounts 3 d early0 of 1 deed read
Why 81- Founded in 2022- Sector Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)- 4 establishment units+ Liquidity: current ratio 1.33, cash €149,544Show the evidence
Checked score
Score 2025
81
/ 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (NACE 95, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
54+5
equity 29.1% of total assets
Liquidity
58-8
short-term debt 62.8% · cash 33.0%
Profitability
78+4
return on assets 12.4%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.8%
12-2024: 0.8%▼ -1.6% vs 11-2024
01-2025: 0.8%▲ +2.1% vs 12-2024
02-2025: 1.4%▲ +73.6% vs 01-2025
03-2025: 1.7%▲ +20.7% vs 02-2025highest value
04-2025: 0.9%▼ -43.7% vs 03-2025
05-2025: 0.9%● 0.0% vs 04-2025
06-2025: 0.9%● 0.0% vs 05-2025
07-2025: 0.9%● 0.0% vs 06-2025
08-2025: 1.0%▲ +1.7% vs 07-2025
09-2025: 0.9%▼ -0.6% vs 08-2025
10-2025: 1.0%▲ +0.6% vs 09-2025
11-2025: 0.9%▼ -0.5% vs 10-2025
12-2025: 0.9%▼ -1.2% vs 11-2025
01-2026: 0.8%▼ -12.5% vs 12-2025
02-2026: 0.5%▼ -39.0% vs 01-2026
03-2026: 0.5%● 0.0% vs 02-2026
04-2026: 0.5%● 0.0% vs 03-2026
05-2026: 0.5%▼ -3.2% vs 04-2026
06-2026: 0.5%● 0.0% vs 05-2026
07-2026: 0.5%▼ -0.6% vs 06-2026lowest value
08-2026: 0.5%▲ +0.6% vs 07-2026
09-2026: 0.5%● 0.0% vs 08-2026
10-2026: 0.6%▲ +16.9% vs 09-2026
- Liquidity: current ratio 1.33, cash €149,544 lowers the probability
- Founded in 2022 raises the probability for this profile
- Sector Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95) raises the probability
- 4 establishment units raises the probability
Credit up to €10,000 at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.24 in 2024; short-term debt: 62.8% and cash: 33% of total assets), and 70.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 95, micro). Better than this share of them on solvency 39%, liquidity 59%, profitability 60%, growth against the median 49%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
28 d late
2023
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 8 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 January (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close03-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Weakest financial yearnet €48,152 ▼55%
Key points
By topic
Timeline
- Events
- 5
- Since
- 2024
- Next accounts
- by 31-01-2027
- 28-01-2026Annual accounts filed
- 28-02-2025Annual accounts filed
- 30-06-2024Weakest financial year
Company details
- Sites
- 4
- Legal form
- Private limited company
- Activity
- Repair and maintenance of computers and communication equipmentNACE 95100
- Founded
- 04-05-2022
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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