Immo SWI
ActiveImmo SWI has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €230k and a net result of €7k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 31% of 14009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+4
Solvency34▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.39 in 2024; short-term debt: 10.2% and cash: 1.9% of total assets), and 90.9% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
9.1%
Return on assets
0.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
31 d late
2024
7 d early
2023
50 d early
2022
30 d late
2021
22 d late
2020
9 d late
2019
50 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€7k
2024 · €-14k
2018: €-31k
2019: €24k
2020: €37k
2021: €64k
2022: €73k
2023: €2k
2024: €-14k
2018 → 2025
Working capital
€-198k▼ 32.9%
2024 · €-149k
2018: €-474k
2019: €-22k
2020: €6k
2021: €107k
2022: €-36k
2023: €-82k
2024: €-149k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€211k-€234k▲ 11.0%€236k▲ 1.0%€222k▼ 6.0%€230k▲ 3.3%
Operating result€128k-€145k▲ 12.8%€51k▼ 64.9%€57k▲ 12.6%€50k▼ 12.8%
Net result€64k-€73k▲ 15.1%€2k▼ 96.7%€-14k€7k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.52M
Fixed assets
€2.46M▼ 7.1%
Current assets
€59k▼ 37.7%
Equity and liabilities €2.52M
Equity
€230k▲ 3.3%
Debt
€2.29M▼ 9.2%
The debt ratio falls from 91.9% to 90.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€239k▼
2024 · €246k
Cash flow
€196k▲
2024 · €175k
Solvency
9.1%▲
2024 · 8.1%
Current ratio
0.23▼
2024 · 0.39
Quick ratio
0.23▼
2024 · 0.39
Debt / equity
9.96▼
2024 · 11.34
ROE
3.2%▲
2024 · -6.4%
ROA
0.3%▲
2024 · -0.5%
Interest coverage
6.02▲
2024 · 5.62
Debt
€2.29M▼
2024 · €2.52M
Debt ≤ 1 year
€257k▲
2024 · €244k
Debt > 1 year
€2.03M▼
2024 · €2.27M
Income taxes
€3k▼
2024 · €28k
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€2.74M€2.52M▼
Fixed assets21/28€2.65M€2.46M▼
Tangible fixed assets22/27€2.65M€2.46M▼
Land and buildings22€2.65M€2.46M▼
Current assets29/58€95k€59k▼
Amounts receivable within one year40/41€22k€12k▼
Trade receivables40€20k€9k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€74k€48k▼
Equity and liabilities
Total equity and liabilities10/49€2.74M€2.52M▼
Equity10/15€222k€230k▲
Contributions10/11€120k€120k=
Profit (loss) carried forward14€102k€110k▲
Amounts payable17/49€2.52M€2.29M▼
Amounts payable after more than one year17€2.27M€2.03M▼
Financial debts170/4€2.27M€1.92M▼
Other amounts payable178/9-€110k
Amounts payable within one year42/48€244k€257k▲
Current portion of amounts payable after more than one year42€243k€247k▲
Trade debts44-€7k
Suppliers440/4-€7k
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3€47€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€189k€189k=
Other operating charges640/8€30k€31k▲
Gross operating margin9900€276k€269k▼
Operating profit (loss)9901€57k€50k▼
Financial charges65/66B€44k€40k▼
Recurring financial charges65€44k€40k▼
Profit (loss) for the period before taxes9903€13k€10k▼
Income taxes67/77€28k€3k▼
Profit (loss) for the period9904€-14k€7k▲
Profit (loss) for the period to be appropriated9905€-14k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€102k€110k▲
Profit (loss) brought forward from the previous period14P€116k€102k▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €73k ▲15.1%
Operating result €145k, net result €73k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Equity above €200kEq €211k ▲43.1%
3 profitable years in a row build equity to €211k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-12
Financial
Equity above €100kEq €110k ▲27.3%
Equity rises from €86k to €110k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mons · 1 establishment unit since 2017
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.
Rue Georges Plumart 27033 MonsGround area
1.7 ha
Building footprint
212 m²
Volume, LiDAR
1,078 m³
2 parcels, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO SWI
since 20172.263.627.731
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53019A0026/00R000 | Wallonia | 1.4 ha | - | - |
| 53074B0191/00G000 | Wallonia | 3,484 m² | 1 · 211 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Immo Malpertuus
BE 0729.726.644
Destelbergen · Eq €230k
KARAKAS GRAPHIC COMMUNICATIONS
BE 0457.902.158
Etterbeek · Eq €230k
GODSHUIS COMINES
BE 0458.363.996
Comines-Warneton · Eq €230k
Estancia
BE 0417.209.272
Oud-Turnhout · Eq €229k
S.T.V.
BE 0439.600.634
Anzegem · Eq €229k
Of 12,018 companies in sector 68203 we hold annual accounts for 5,984. 4,307 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2017
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.