Schwall & Boemer - Architektur
ActiveSummary
Schwall & Boemer - Architektur has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €40k. Equity is growing by ~17.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+12
Solvency76▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.42 in 2024; short-term debt: 30.6% and cash: 30.5% of total assets), and 48.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
51.3%
Return on assets
17.8%
Age of the figures
15 mo
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 06-11-2025, 86 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
86 d early
2024
4 d early
2023
51 d early
2022
5 d early
2021
46 d early
2020
41 d early
2019
25 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€40k▲ 120%
2024 · €18k
2019: €4k
2020: €5k
2021: €22k
2022: €3k
2023: €17k
2024: €18k
2019 → 2025
Working capital
€36k▲ 38.8%
2024 · €26k
2019: €27k
2020: €28k
2021: €38k
2022: €7k
2023: €20k
2024: €26k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€73k▲ 2.1%€89k▲ 22.4%€97k▲ 9.2%€115k▲ 18.5%
Operating result€36k-€9k▼ 74.9%€29k▲ 216%€30k▲ 4.8%€59k▲ 96.5%
Net result€22k-€3k▼ 88.1%€17k▲ 553%€18k▲ 4.4%€40k▲ 120%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 97% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€120k ▼ 14.2%
Current assets
€104k ▲ 20.5%
Equity and liabilities €224k
Equity
€115k ▲ 18.5%
Debt
€109k ▼ 15.5%
Debt's share of the balance-sheet total falls from 57.1% to 48.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2024 · €57k
Cash flow
€66k▲
2024 · €45k
Current ratio
1.52▲
2024 · 1.42
Debt to equity
0.95▼
2024 · 1.33
ROE
34.8%▲
2024 · 18.7%
ROA
17.8%▲
2024 · 8.0%
Interest coverage
24.29▲
2024 · 12.86
Debt ≤ 1 year
€69k▲
2024 · €61k
Debt > 1 year
€38k▼
2024 · €65k
Income taxes
€16k▲
2024 · €8k
Staff costs
€50▼
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€226k€224k▼
Fixed assets21/28€139k€120k▼
Tangible fixed assets22/27€139k€120k▼
Land and buildings22€109k€98k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€28k€20k▼
Current assets29/58€87k€104k▲
Amounts receivable within one year40/41€42k€32k▼
Trade receivables40€40k€32k▼
Other amounts receivable41€2k-
Cash at bank and in hand54/58€39k€68k▲
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€226k€224k▼
Equity10/15€97k€115k▲
Contributions10/11€8k€8k=
Reserves13€35k€73k▲
Distributable reserves133€35k€73k▲
Profit (loss) carried forward14€53k€33k▼
Amounts payable17/49€129k€109k▼
Amounts payable after more than one year17€65k€38k▼
Financial debts170/4€65k€38k▼
Amounts payable within one year42/48€61k€69k▲
Current portion of amounts payable after more than one year42€32k€31k▼
Trade debts44€608€3k▲
Suppliers440/4€608€3k▲
Taxes, remuneration and social security45€16k€12k▼
Taxes450/3€15k€12k▼
Remuneration and social security454/9€659-
Other amounts payable47/48€12k€23k▲
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Non-recurring operating income76A€1k€207▼
Remuneration, social security and pensions62€10k€50▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€26k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€68k€87k▲
Operating profit (loss)9901€30k€59k▲
Financial income75/76B€33€66▲
Recurring financial income75€33€66▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€26k€56k▲
Income taxes67/77€8k€16k▲
Profit (loss) for the period9904€18k€40k▲
Profit (loss) for the period to be appropriated9905€18k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€82k€93k▲
Profit (loss) brought forward from the previous period14P€63k€53k▼
Transfer to equity691/2€18k€38k▲
To other reserves6921€18k€38k▲
Profit to be distributed694/7€10k€22k▲
Return on contributions (dividend)694€10k€20k▲
Directors or managers695-€2k
The notes to these accounts (12 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
2025
06-11
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
30-06
Financial
Highest result since 2019net €40k ▲120%
Operating result €59k, net result €40k, both a record.
30-06
Financial
Equity above €100kEq €115k ▲18.5%
7 profitable years in a row build equity to €115k.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2023
11-12
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
30-06
Financial
Weakest financial yearnet €3k ▼88.1%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
2021
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
12-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
12-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Bütgenbach · 1 establishment unit since 2008
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.
Nidrum,Zur Held 7A4750 Bütgenbach1 establishment unit
Nidrum,Zur Held 7a, 4750 Bütgenbach
since 20082.194.148.314
Similar companies · same sector, comparable size
MB Architecture
BE 0779.689.562
Frasnes-lez-Anvaing · Eq €114,819
LUC TEUNISSEN
BE 0890.231.653
Berlaar · Eq €114,917
Bart Blancquaert Ir-Architect
BE 0547.716.339
Halle · Eq €114,814
A + I, architectes et ingénieurs
BE 0464.989.393
Châtelet · Eq €114,780
ARCHITECTENGROEP MACOURS - architectuur en interieur
BE 0828.466.013
Hasselt · Eq €115,051
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,446 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2008
Fiscal year end30-06
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filings
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:info@architektur-schwall.com
Phone:080.68.55.52
Fax:080.68.55.52