SCHWIND
ActiveSCHWIND has been active since 1975 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €4k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 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
Profitability48▼-10
Solvency45=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.02 in 2024; short-term debt: 76.2% and cash: 34.9% of total assets), and 79.7% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
20.3%
Return on assets
1.1%
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
45 d early
2023
51 d early
2022
48 d early
2021
48 d early
2020
38 d early
2019
42 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€82k▲ 5.5%
2024 · €77k
2018: €31k
2019: €15k
2020: €10k
2021: €21k
2022: €47k
2023: €53k
2024: €77k
2018 → 2025
Total assets
€402k▲ 1.6%
2024 · €396k
2018: €397k
2019: €385k
2020: €351k
2021: €349k
2022: €412k
2023: €465k
2024: €396k
2018 → 2025
Net result
€4k▼ 82.6%
2024 · €24k
2018: €-6k
2019: €-17k
2020: €-4k
2021: €11k
2022: €26k
2023: €6k
2024: €24k
2018 → 2025
Working capital
€19k▲ 301%
2024 · €5k
2018: €7k
2019: €-25k
2020: €-30k
2021: €-20k
2022: €7k
2023: €31k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€47k▲ 124%€53k▲ 12.3%€77k▲ 46.1%€82k▲ 5.5%
Operating result€20k-€36k▲ 80.1%€24k▼ 31.9%€43k▲ 76.5%€19k▼ 55.2%
Net result€11k-€26k▲ 144%€6k▼ 77.8%€24k▲ 321%€4k▼ 82.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €402k
Fixed assets
€77k▼ 22.0%
Current assets
€326k▲ 9.3%
Equity and liabilities €402k
Equity
€82k▲ 5.5%
Debt
€321k▲ 0.6%
The debt ratio falls from 80.4% to 79.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▼
2024 · €68k
Cash flow
€34k▼
2024 · €50k
Solvency
20.3%▲
2024 · 19.6%
Current ratio
1.06▲
2024 · 1.02
Quick ratio
0.52▲
2024 · 0.27
Debt / equity
3.92▼
2024 · 4.11
ROE
5.2%▼
2024 · 31.6%
ROA
1.1%▼
2024 · 6.2%
Interest coverage
3.29▼
2024 · 3.77
Debt
€321k▲
2024 · €319k
Debt ≤ 1 year
€307k▲
2024 · €293k
Debt > 1 year
€7k▼
2024 · €25k
Income taxes
€141▼
2024 · €152
Staff costs
€75k▲
2024 · €72k
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€396k€402k▲
Fixed assets21/28€98k€77k▼
Tangible fixed assets22/27€98k€77k▼
Land and buildings22€24k€18k▼
Plant, machinery and equipment23€10k€12k▲
Furniture and vehicles24€65k€47k▼
Current assets29/58€298k€326k▲
Stocks and contracts in progress3€220k€167k▼
Stocks30/36€220k€167k▼
Amounts receivable within one year40/41€18k€13k▼
Trade receivables40€18k€12k▼
Other amounts receivable41€25€535▲
Cash at bank and in hand54/58€56k€140k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€396k€402k▲
Equity10/15€77k€82k▲
Contributions10/11€20k€20k=
Reserves13€133k€133k=
Distributable reserves133€133k€133k=
Profit (loss) carried forward14€-76k€-72k▲
Amounts payable17/49€319k€321k▲
Amounts payable after more than one year17€25k€7k▼
Financial debts170/4€25k€7k▼
Amounts payable within one year42/48€293k€307k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Financial debts43€200k€200k=
Other loans439€200k€200k=
Trade debts44€41k€33k▼
Suppliers440/4€41k€33k▼
Advances received on contracts in progress46€22-
Taxes, remuneration and social security45€30k€34k▲
Taxes450/3€20k€27k▲
Remuneration and social security454/9€10k€7k▼
Other amounts payable47/48€5k€21k▲
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Remuneration, social security and pensions62€72k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€29k▲
Other operating charges640/8€6k€7k▲
Gross operating margin9900€147k€131k▼
Operating profit (loss)9901€43k€19k▼
Financial charges65/66B€18k€15k▼
Recurring financial charges65€18k€15k▼
Profit (loss) for the period before taxes9903€25k€4k▼
Income taxes67/77€152€141▼
Profit (loss) for the period9904€24k€4k▼
Profit (loss) for the period to be appropriated9905€24k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-76k€-72k▲
Profit (loss) brought forward from the previous period14P€-100k€-76k▲
Social balance
Average headcount (FTE)90871.51.5=
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
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €26k ▲144%
Net result €26k, the highest in the series.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after 3 loss-making years.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Deerlijk · 1 establishment unit since 1964
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.
Pladijsstraat 218540 DeerlijkGround area
455 m²
Building footprint
112 m²
Volume, LiDAR
683 m³
Parcel 34392D0297/00W000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pladijsstraat 21, 8540 Deerlijk
since 19642.118.978.559
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34392D0297/00W000 | Flanders | 455 m² | 1 · 112 m² | 9.3 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.
Similar companies · same sector, comparable size
B_StreetZone
BE 0808.017.324
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J.P. - CARS
BE 0456.681.938
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PJM CARS
BE 0898.748.649
Genk · Eq €82k
17 INVEST
BE 0740.651.814
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HUNNINCK
BE 0465.485.281
Geraardsbergen · Eq €82k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,559 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-1975
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.