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SCHWIND

Active Private limited companyfounded 1975active for 50 yearsPladijsstraat 21, 8540 DeerlijkKBO/BCE: BE 0415.635.201 #7 oldest company in Deerlijk, Wholesale and retail trade sector
SCHWIND
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Overview

Lifetime

20 annual accounts with figures on one time axis, 49 filings since 1977
peak €146,793 (2024)
€130,663▼ 11.0%
lowest -€47,504 (2013)
€4,253▼ 82.6%
peak €128,797 (2008)
€81,727▲ 5.5%
€320,650▲ 0.6%
peak 2 FTE (2020)
1.5 FTEunchanged
Board1 name since 2021
1 directorSteven Schwind
Documentsfilings and deeds
16-06-202645 days before the deadline
2025abbreviated format
Result from €24,456 to €4,253Cash from €55,587 to €140,377

Key points

from the 2025 annual accounts

Equity

€81,727 ▲ 5.5%

SCHWIND has made a profit without a break since 2021.

Debts

€320,650 80% of the balance sheet
Financial debts 64%Suppliers 10%Taxes and wages 10%Other 15%

Of this, €306,615 falls due within a year.

Filings

49 annual accounts since 1977
AprilJune31 JulyOctober1980199520102025

The last five annual accounts were filed 45 to 51 days before the end of the period.

Checked score

84
Excellent
Financially stronger than 45% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.6% across 40,280 companies (NACE 47, micro).

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025highest value 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.3%▼ -0.1 percentage points vs 06-2025lowest value 08-2025: 0.3%● unchanged vs 07-2025lowest value 09-2025: 0.3%● unchanged vs 08-2025lowest value 10-2025: 0.3%● unchanged vs 09-2025lowest value 11-2025: 0.3%● unchanged vs 10-2025lowest value 12-2025: 0.3%● unchanged vs 11-2025lowest value 01-2026: 0.3%● unchanged vs 12-2025lowest value 02-2026: 0.3%● unchanged vs 01-2026lowest value 03-2026: 0.3%● unchanged vs 02-2026lowest value 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.3%● unchanged vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026 11-2026: 0.3%● unchanged vs 10-2026

Financial strength
Average

45=equity 20.3% of total assets
52+24short-term debt 76.2% · cash 34.9%
48-10return on assets 1.1%

Score breakdown

raises risk
Sector: Retail trade (NACE 47)
Equity €81,727 (20.3% of total assets)
lowers risk
Liquidity: current ratio 1.06, cash €140,377
Founded in 1975
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 36% of them on solvency, 57% on liquidity, 35% on profitability and 53% on growth.

The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 3,984 companies had the same profile as SCHWIND has now. Each dot stands for 10 companies, two years later.

96.5%
were still trading
2.3%
stopped another way
1.1%
went bankrupt
  • Micro
  • 20 years or older
  • solvency 10 to 30%
  • a profit under 5% of the balance sheet

Another 0.1% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of SCHWIND itself: 0.3% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 3,984 companies, not a prediction for SCHWIND. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €6,000 on 30-day terms is acceptable

Liquidity is tight, with a current ratio of 1.06 (1.02 in 2024), below the usual 1.5. Short-term debt is 76.2% and cash 34.9% of total assets. 79.7% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Liquidity: current ratio 1.06, cash €140,377
NBB · annual accounts
lowers risk · Founded in 1975
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Equity €81,727 (20.3% of total assets)
NBB · annual accounts
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 filings
Deviation from the deadline
2025
45 days early
2024
45 days early
2023
51 days early
2022
48 days early
2021
48 days early
2020
38 days early
2019
42 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 45 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

SS
Steven Schwind
Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0415635201
Company renamed from Jozef SCHWIND to SCHWIND Resignation: Steven Schwind (manager) · Reappointment: Steven Schwind (director) · “Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en…” (deed in Dutch) · General meeting of 04-12-2023 · Gazette deed
Establishment taken over Pladijsstraat 21, Deerlijk · in the KBO since 1964
All 59 events

Comparable companies

same main activity, similar in size and age
Company
SCHWIND Deerlijk €402,377 €130,663 20.3% 1.5
ETABLISSEMENTS MOURIN Ath €394,483 €122,837 62.3% 1
Madou Ledegem €499,593 €124,018 83.7% 2
Garagebedrijf NOSEDA Roeselare €533,940 €166,666 18.5% 2
GARAGE CARBONEZ De Haan €540,008 €203,976 96.7% 1.3
GARAGE LETORT Quiévrain €497,224 €150,662 16.4% 2
GARAGE KEMPENLAND Geel €436,308 €130,142 58.0% 1

These companies have the same main activity as SCHWIND: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €394,000 and €540,000, founded between 1970 and 1990.

Official details

Source: KBO
Status
Active since 22-12-1975Normal situation
Activity
Retail sale of cars and light vans (up to 3.5 tonnes)NACE 47811and 1 other
Joint committees
112Garages
200Auxiliary committee for white-collar workers · annual accounts 2023
Establishment unit
2.118.978.5598540 Deerlijk, since 20-12-1964
Financial year end
31 December
Peppol
Reachable since 11-09-2025
Company details

Annual accounts 2025

€130,663▼ 11.0%
≈ €760,000estimated
€4,253▼ 82.6%
€81,727▲ 5.5%
€402,377▲ 1.6%
Employeeson 31-12-2025
2=
Filing
Filed on 16-06-2026, 45 days before the end of the filing period
Financials

Insights on SCHWIND

SCHWIND files the abbreviated format. That format states no turnover. The gross margin rose from €112,517 in 2006 to €130,663 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

abbreviated format, filed on 16-06-2026, 45 days before the deadline
€130,663
▼ 11.0%
€19,162
▼ 55.2%
€48,623
▼ 29.0%
€33,714
▼ 32.8%
20.3%
▲ 0.8 percentage points
1.06
▲ 0.05

Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €760,000. Estimated: probably between €460,000 and €1.8m.

In the rankings #7 oldest company in Deerlijk, Wholesale and retail trade sector

Money flows

no detail for 2025

Balance sheet

balance sheet total €402,377 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

20.3%

Higher than 31% of 12,838 companies in 2025.

1.06

Higher than 29% of 12,628 companies in 2025.

1.1%

Higher than 32% of 12,702 companies in 2025.

SCHWIND Middle half of the sector 80% of the sector Abbreviated accounts in retail trade (NACE 47)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half · Staff: middle half

Staff

€50,311

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
Balance sheet: assets
20/58 402,377396,119465,431412,302348,615351,286385,124396,934392,265382,107423,571454,387453,565486,868477,499460,678366,996374,349487,205500,993
21/28 76,59798,16265,99374,60744,69259,65372,46779,26668,87829,29239,72345,36461,69265,03769,36280,03566,40371,20574,72879,159
22/27 76,59798,16265,99374,60744,69259,65372,46779,26668,87829,29239,72345,36461,69265,03769,36280,03566,40371,20574,72879,159
22 17,89623,61616,96414,05616,60020,01512,52216,93218,27211,78916,85823,33030,03432,73941,01749,49122,48029,29536,44235,149
23 11,5659,7086,5043,8977,1238,86210,24112,30115,0929,6639,9409,0659,12910,0496,98813,79621,12329,28129,43119,862
24 47,13564,83842,52656,65520,96930,77649,70450,03335,5147,84012,92412,96822,52922,24921,35716,74822,80012,6298,85524,149
29/58 325,780297,957399,438337,695303,923291,633312,657317,668323,387352,815383,848409,023391,873421,831408,137380,644300,593303,144412,476421,833
3 167,297219,748260,811200,899202,345230,284232,717225,295217,327285,737217,854282,550226,942281,369220,508231,841250,017200,458309,580323,392
30/36 167,297219,748260,811200,899202,345230,284232,717225,295217,327285,737217,854282,550226,942281,369220,508231,841250,017200,458309,580323,392
40/41 12,75517,54111,27815,27817,0939,22213,70223,66118,12116,68525,08835,49830,99529,20378,17760,10440,70138,39596,94194,966
40 12,22017,51511,27814,96517,0939,22211,67820,46316,92313,89321,75623,87226,12618,89155,13534,77023,61725,49368,55280,907
41 53525-312--2,0243,1991,1992,7923,33111,6264,86910,31123,04125,33417,08512,90228,38914,058
54/58 140,37755,587124,238118,62182,55749,64563,80465,91785,81748,160138,61988,526129,954104,999107,27186,5636,27560,9733,1463,476
490/1 5,3525,0823,1102,8961,9292,4822,4342,7952,1222,2332,2882,4483,9816,2612,1802,1363,5993,3182,809-
Balance sheet: equity and liabilities
10/49 402,377396,119465,431412,302348,615351,286385,124396,934392,265382,107423,571454,387453,565486,868477,499460,678366,996374,349487,205500,993
10/15 81,72777,47453,01847,21121,09510,39314,51831,23536,81834,79830,17429,87829,17176,67589,39089,123116,081128,797118,924122,052
10/11 20,46020,46020,46018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,600
100 ------18,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,600
13 133,003133,003133,003134,863134,863134,863134,863134,863134,863134,863134,863134,863134,863134,863144,632144,632134,863141,095141,095133,303
130/1 ---1,8601,8601,860--------------
130 ------1,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,860
1311 ---1,8601,8601,860--------------
133 133,003133,003133,003133,003133,003133,003133,003133,003133,003133,003133,003133,003133,003133,003142,772142,772133,003139,235139,235131,443
14 -71,736-75,989-100,445-106,252-132,368-143,071-138,946-122,228-116,646-118,666-123,290-123,585-124,292-76,788-73,842-74,108-37,382-30,898-40,771-29,850
17/49 320,650318,644412,413365,090327,520340,894370,606365,698355,447347,309393,397424,508424,394410,192388,109371,555250,914245,551368,281378,940
17 6,64825,46143,52134,3663,37818,79232,75554,69540,24738,7133,55711,62320,60516,93327,51240,45823,81331,83039,57246,967
170/4 6,64825,46143,52134,3663,37818,79232,75554,69540,24738,7133,55711,62320,60516,93327,51240,45823,81331,83039,57246,967
42/48 306,615293,183368,892330,725324,143322,102337,851311,003315,201308,596389,841412,885403,789393,260360,597331,097227,102213,721328,709331,974
42 18,81318,06017,33114,01215,41425,17421,94021,56012,75213,2458,0678,98210,39510,59312,95912,4118,1097,7427,3957,283
43 200,000200,000250,000250,000250,000250,000250,000250,000250,000250,000350,000350,000350,000325,000275,000275,000180,230172,238262,690288,139
430/8 ----------------80,23072,238162,690188,139
439 200,000200,000250,000250,000250,000250,000250,000250,000250,000250,000350,000350,000350,000325,000275,000275,000100,000100,000100,000100,000
44 33,05240,64640,90336,68426,19919,25523,63821,25330,08428,25520,64223,67625,79952,70154,06435,01226,72123,22154,03132,184
440/4 33,05240,64640,90336,68426,19919,25523,63821,25330,08428,25520,64223,67625,79952,70154,06435,01226,72123,22154,03132,184
46 -2235,090-3,500-15,900--4,000-16,3504,000-12,240-1,543142--
45 33,66029,84515,11018,18914,04813,27613,4917,36613,6526,6195,8787,84013,5954,9156,3348,67410,49910,3544,5434,368
450/3 26,84720,0916,93511,0667,5335,3121,1821,1215,9281,0911,1571,0173,2071,1441,4762,9874,8497,014349505
454/9 6,8149,7558,1767,1236,5147,96412,3096,2457,7255,5284,7216,82310,3873,7714,8585,6865,6503,3404,1943,864
47/48 21,0904,61010,45711,84014,98214,39812,88110,8248,7136,4775,2546,037-51---2450-
492/3 7,387-------------------
Income statement
70 -------------------1.8m
76A --15,7923,0773313,7263082,4705067,193--1,240-1,542--4,607-564
9900 130,663146,793116,623112,04599,76975,90695,28196,03799,22992,45778,315102,40162,34690,24695,13261,95685,851108,84797,392112,517
60/61 -------------------1.7m
62 75,46672,12370,09756,02054,72743,16571,00757,99559,87461,35436,96763,40569,87354,25952,60650,04350,78548,37045,49357,158
630 29,46125,68316,07514,24818,39214,63520,90426,32920,87813,09124,59621,18923,66122,74423,39224,05022,03919,95733,04634,335
640/8 6,5746,1936,2016,1746,8867,1777,1137,2277,2097,0066,8586,7586,7676,8125,1176,5335,6165,3675,2935,134
66A -----5,507---2,998---------427
9901 19,16242,79324,25035,60419,7655,422-3,7434,48511,26711,0059,89511,049-37,9556,43214,017-18,6697,41235,15313,56115,890
75/76B --------5067,19793198581179714227720
75 ---------493198581179714227720
76B --------5067,193----------
65/66B 14,76818,18618,3119,4858,8299,43112,86010,0689,62613,59712,2209,28910,86813,26215,39013,13116,43928,63924,55913,791
65 14,76818,18618,3119,4858,8299,43112,86010,0689,62610,59912,2209,28910,86813,26215,39013,13116,43928,63924,55913,791
66B ---------2,998----------
9903 4,39424,6085,93826,11810,936-4,009-16,603-5,5822,1484,604-2,2321,957-47,525-6,713266-31,786-9,02511,123-10,9212,257
67/77 1411521313233117114-128-19-2,5271,250-21-3,767-04,940-2,5401,250-09
9904 4,25324,4565,80726,11610,703-4,125-16,717-5,5822,0204,624295707-47,504-2,946267-36,726-6,4859,873-10,9212,248
9905 4,25324,4565,80726,11610,703-4,125-16,717-5,5822,0204,624295707-47,504-2,946267-36,726-6,4859,873-10,9212,248
Appropriation of the result
9906 -71,736-75,989-100,445-106,252-132,368-143,071-138,946-122,228-116,646-118,666-123,290-123,585-124,292-76,788-73,842-74,108-37,382-30,898-40,771-29,850
14P -75,989-100,445-106,252-132,368-143,071---------------
Social balance sheet
9087 1.51.51.51.51.921.81.61.51.50.81.31.511.111.1111.5
Hours worked1013 2,5132,5792,5192,2182,0361,8793,0732,7322,6052,5901,4342,3792,6152,0322,0251,9161,9721,9181,9082,497
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 29 older financial years (1977-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 16-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 abbreviated format 16-06-2026 2026-00169794 PDF
31-12-2024 abbreviated format 16-06-2025 2025-00146619 PDF
31-12-2023 abbreviated format 10-06-2024 2024-00122170 PDF
31-12-2022 abbreviated format 13-06-2023 2023-00126703 PDF
31-12-2021 abbreviated format 13-06-2022 2022-20062087 PDF
31-12-2020 abbreviated format 23-06-2021 2021-23300115 PDF
31-12-2019 abbreviated format 19-06-2020 2020-18400564 PDF
31-12-2018 abbreviated format 17-06-2019 2019-19300144 PDF
31-12-2017 abbreviated format 25-06-2018 2018-22100244 PDF
31-12-2016 abbreviated format 22-06-2017 2017-19800455 PDF
31-12-2015 abbreviated format 23-06-2016 2016-20900583 PDF
31-12-2014 abbreviated format 16-06-2015 2015-17600586 PDF
31-12-2013 abbreviated format 23-06-2014 2014-20300398 PDF
31-12-2012 abbreviated format 10-07-2013 2013-28600396 PDF
31-12-2011 abbreviated format 26-06-2012 2012-21100470 PDF
31-12-2010 abbreviated format 18-07-2011 2011-30400177 PDF
31-12-2009 abbreviated format 27-08-2010 2010-47000037 PDF
31-12-2008 abbreviated format 17-06-2009 2009-24500353 PDF
31-12-2007 abbreviated format 20-06-2008 2008-26800322 PDF
31-12-2006 abbreviated format 11-06-2007 2007-20900118 PDF
31-12-2005 abbreviated format 15-06-2006 2006-26304674 PDF
31-12-2004 abbreviated format 17-06-2005 2005-29302814 PDF
31-12-2003 abbreviated format 16-06-2004 2004-26802954 PDF
31-12-2002 abbreviated format 25-09-2003 2003-69601474 PDF
31-12-2001 abbreviated format 03-07-2002 2002-34101625 PDF
31-12-2000 abbreviated format 13-06-2001 2001-20803841 PDF
31-12-1999 abbreviated format 12-09-2000 2000-56102936 PDF
31-12-1998 abbreviated format 17-06-1999 1999-19501347 PDF
31-12-1997 abbreviated format 08-07-1998 1998-31001437 PDF
31-12-1996 abbreviated format 18-06-1997 1997-17201293 PDF
31-12-1995 abbreviated format 12-06-1996 1996-15701747 PDF
31-12-1994 abbreviated format 23-06-1995 1995-28400230 PDF
31-12-1993 abbreviated format 05-07-1994 1994-26603859 PDF
31-12-1992 abbreviated format 05-07-1993 1993-22802589 PDF
31-12-1991 abbreviated format 16-10-1992 1992-35501782 PDF
31-12-1990 abbreviated format 13-06-1991 1991-09603505 PDF
31-12-1989 abbreviated format 13-06-1990 1990-08500262 PDF
31-12-1988 abbreviated format 21-06-1989 1989-10000465 PDF
31-12-1987 abbreviated format 15-06-1988 1988-08200192 PDF
31-12-1986 abbreviated format 30-07-1987 1987-19001713 PDF
31-12-1985 abbreviated format 01-08-1986 1986-33300085 PDF
31-12-1984 full format 11-07-1985 1985-23001184 PDF
31-12-1983 unclassified schema 27-07-1984 1984-11202464 PDF
31-12-1982 unclassified schema 11-10-1983 1983-12901494 PDF
31-12-1981 unclassified schema 21-10-1982 1982-12700100 PDF
31-12-1980 unclassified schema 15-09-1981 1981-11201643 PDF
31-12-1979 unclassified schema 20-10-1980 1980-11800053 PDF
31-12-1978 unclassified schema 17-10-1979 1979-11501846 PDF
31-12-1977 unclassified schema 15-09-1978 1978-07202325 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
48,62368,47740,32549,85238,15620,05717,16030,81432,14624,09634,49132,238-14,29429,17537,4095,38129,45155,11046,60750,225
33,71450,13921,88340,36429,09510,5094,18620,74722,89817,71524,89121,897-23,84319,79823,658-12,67615,55429,83022,12536,583
7,89757,85213,84159,2683,43133,93230,28436,71767,6444,72418,9554,86120,31718,41818,17737,68217,23722,55228,61534,102
84,790-68,6515,61736,06432,912-14,159-2,113-19,90037,657-90,45950,093-41,42824,955-2,27320,70880,288-54,69857,827-330-
19,1664,77430,5466,970-20,219-30,469-25,1946,6648,18644,219-5,992-3,862-11,91628,57247,54049,54773,49189,42283,76889,860
-------------------0.9%
20.3%19.6%11.4%11.5%6.1%3.0%3.8%7.9%9.4%9.1%7.1%6.6%6.4%15.7%18.7%19.3%31.6%34.4%24.4%24.4%
1.061.021.081.020.940.910.931.021.031.140.980.990.971.071.131.151.321.421.251.27
0.520.270.380.410.310.190.240.300.340.220.430.310.410.360.520.450.220.480.310.30
3.924.117.787.7315.5332.8025.5311.719.659.9813.0414.2114.555.354.344.172.161.913.103.10
5.2%31.6%11.0%55.3%50.7%-39.7%-115.2%-17.9%5.5%13.3%1.0%2.4%-162.8%-3.8%0.3%-41.2%-5.6%7.7%-9.2%1.8%
1.1%6.2%1.2%6.3%3.1%-1.2%-4.3%-1.4%0.5%1.2%0.1%0.2%-10.5%-0.6%0.1%-8.0%-1.8%2.6%-2.2%0.4%
3.293.772.205.264.32---------------
-------------------17 days
-------------------7 days

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202531-12-202431-12-202331-12-202231-12-2021
Employees at the balance-sheet date22222
full-time11111
part-time11111
in full-time equivalents1.51.51.51.51.5
1.51.51.51.51.9
On a permanent contract22222

Source: social balance sheet in the 2021 to 2025 annual accounts

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets€7,897€57,852€13,841€59,268€3,431
€29,461€25,683€16,075€14,248€18,392

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on SCHWIND

The operating result for 2025 is 55% lower than in 2024 and the lowest since 2020.

Debt's share of the balance-sheet total falls from 80.4% to 79.7%. Equity and debt are higher.

Board & ownership

Board

1 director, no change since 2023
Steven Schwind
Director
in office according to the deed of 08-12-2023 term without a fixed end
earlier manager, until 08-12-2023
listed in the 2025 annual accounts, filed on 16-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 08-12-2023

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
Steven Schwind
Director
BoardEarliermandate already running before its first mention
Mandates as a list
  • Steven Schwind
    • Director, since before 31-12-2021
    • Manager, until 08-12-2023

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€20,460
Source
2025 annual accounts

Articles of association

deed of 08-12-2023 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Saturday of June at 14:00

Network & group

No group

SCHWIND has no parent and no holdings in its annual accounts. Steven Schwind is the only director. SCHWIND shares no director with another company.

Timeline

Timeline

59 events since 1975

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed PDFabbreviated format · 45 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0415635201
Annual accounts 2024 filed PDFabbreviated format · 45 days before the deadline
2024
Annual accounts 2023 filed PDFabbreviated format · 51 days before the deadline
2023
Company renamed from Jozef SCHWIND to SCHWINDResignation: Steven Schwind (manager) · Reappointment: Steven Schwind (director) · “Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en…” (deed in Dutch) · General meeting of 04-12-20238 points ▸
  • General meeting, 04-12-2023
  • Name change, SCHWIND
  • Registered office clause, Pladijsstraat 21
  • Purpose change, “Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen,het stimuleren,de planning,de…” (deed in Dutch)
  • Director resignation, Steven Schwind (manager)
  • Director discharge, Steven Schwind (manager)
  • Director reappointment, Steven Schwind
  • Power of attorney, Christian Lambrecht
  • The deed holds 4 more points.

Open the deed in the Belgian Official Gazette

Annual accounts 2022 filed PDFabbreviated format · 48 days before the deadline
2022
Highest result from 2006 to 2025 net €26,116 ▲144% The net result of €26,116 is the highest of those years.
Annual accounts 2021 filed PDFabbreviated format · 48 days before the deadline
2021
Back to profit net €10,703 The net result is €10,703, after 3 loss-making years.
Annual accounts 2020 filed PDFabbreviated format · 38 days before the deadline
2020
Annual accounts 2019 filed PDFabbreviated format · 42 days before the deadline
2019
Annual accounts 2018 filed PDFabbreviated format · 44 days before the deadline
2018
Annual accounts 2017 filed PDFabbreviated format · 36 days before the deadline
2017
Annual accounts 2016 filed PDFabbreviated format · 39 days before the deadline
2016
Annual accounts 2015 filed PDFabbreviated format · 38 days before the deadline
2015
Annual accounts 2014 filed PDFabbreviated format · 45 days before the deadline
2014
Back to profit net €707 The net result is €707, after 2 loss-making years.
Annual accounts 2013 filed PDFabbreviated format · 38 days before the deadline
2013
Weakest financial year net -€47,504 The net result drops to -€47,504, the lowest from 2006 to 2025. It recovers the following year.
Annual accounts 2012 filed PDFabbreviated format · 21 days before the deadline
2012
Annual accounts 2011 filed PDFabbreviated format · 35 days before the deadline
2011
Back to profit net €267 The net result is €267, after 2 loss-making years.
Annual accounts 2010 filed PDFabbreviated format · 13 days before the deadline
2010
Annual accounts 2009 filed PDFabbreviated format · 27 days late
2009
Annual accounts 2008 filed PDFabbreviated format · 44 days before the deadline
2008
Back to profit net €9,873 The net result is €9,873, after one loss-making year.
Annual accounts 2007 filed PDFabbreviated format · 41 days before the deadline
2007
Annual accounts 2006 filed PDFabbreviated format · 50 days before the deadline
2006
Annual accounts 2005 filed PDFabbreviated format
2005
Annual accounts 2004 filed PDFabbreviated format
2004
Annual accounts 2003 filed PDFabbreviated format
2003
Annual accounts 2002 filed PDFabbreviated format
2002
Annual accounts 2001 filed PDFabbreviated format
2001
Annual accounts 2000 filed PDFabbreviated format
2000
Annual accounts 1999 filed PDFabbreviated format
1999
Annual accounts 1998 filed PDFabbreviated format
1998
Annual accounts 1997 filed PDFabbreviated format
1997
Annual accounts 1996 filed PDFabbreviated format
1996
Annual accounts 1995 filed PDFabbreviated format
1995
Annual accounts 1994 filed PDFabbreviated format
1994
Annual accounts 1993 filed PDFabbreviated format
1993
Annual accounts 1992 filed PDFabbreviated format
1992
Annual accounts 1991 filed PDFabbreviated format
1991
Annual accounts 1990 filed PDFabbreviated format
1990
Annual accounts 1989 filed PDFabbreviated format
1989
Annual accounts 1988 filed PDFabbreviated format
1988
Annual accounts 1987 filed PDFabbreviated format
1987
Annual accounts 1986 filed PDFabbreviated format
1986
Annual accounts 1985 filed PDFabbreviated format
1985
Annual accounts 1984 filed PDFfull format
1984
Annual accounts 1983 filed PDFunclassified schema
1983
Annual accounts 1982 filed PDFunclassified schema
1982
Annual accounts 1981 filed PDFunclassified schema
1981
Annual accounts 1980 filed PDFunclassified schema
1980
Annual accounts 1979 filed PDFunclassified schema
1979
Annual accounts 1978 filed PDFunclassified schema
1978
Annual accounts 1977 filed PDFunclassified schema
1975
Establishment taken over Pladijsstraat 21, Deerlijk · in the KBO since 1964
Incorporation KBO

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

SCHWIND was incorporated on 22 December 1975.1 The name was changed to SCHWIND in 2023.2 Steven Schwind is director of the company according to the deed of 08-12-2023.2 Total assets went from €396,934 in 2018 to €402,377 in 2025 and headcount from 1.6 to 1.5 full-time equivalents.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 08-12-2023
  3. 3National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0415.635.201
VAT number
BE 0415.635.201
Peppol ID
0208:0415635201
Legal form
Private limited company
Status
Active, normal situation
Founded
22-12-1975
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Second Saturday of June at 14:00
deed of 08-12-2023 (in Dutch)
Peppol
Reachable since 11-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
SCHWIND in Dutch
Former name
Jozef SCHWIND until the deed of 08-12-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 08-12-2023 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 08-12-2023 (in Dutch)

Activities

NACEBEL 2025
VAT activities
47811 Retail sale of cars and light vans (up to 3.5 tonnes) main activity
95311 General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Social security (RSZ) activities
47811 Retail sale of cars and light vans (up to 3.5 tonnes) main activity
Joint committees annual accounts 2023
JC 112 Garages
JC 200 Auxiliary committee for white-collar workers
Codes under NACEBEL 2008
VAT activities
45113 main activity
45201
Social security (RSZ) activities
45113 main activity
Codes under NACEBEL 2003
50103 main activity
50200
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen, het stimuleren…”
20 activities
  1. Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen, het stimuleren, de planning, de coördinatie, de ontwikkeling van en de investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt.
  2. Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren, onder om het even welke vorm; in dit kader kan zij zich ook borg stellen of haar aval verlenen, inpandgeving handelszaak, dit alles in de meest ruime zin, alle handels- en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan kredietinstellingen.
  3. Het verlenen van adviezen van financiële, technische, commerciële of administratieve aard; in de ruimste zin, met uitzondering van adviezen inzake beleggingen en geldplaatsingen; bijstand en diensten verlenen, rechtstreeks of onrechtstreeks op het vlak van administratie en financiën, verkoop, productie en algemeen bestuur.
  4. Het waarnemen van alle bestuursopdrachten en opdrachten van vereffenaars, het uitoefenen van opdrachten en functies.
  5. Het ontwikkelen, kopen, verkopen, in licentie nemen of geven van octrooien, knowhow en aanverwante immateriële duurzame activa.
  6. Het verlenen van administratieve prestaties.
  7. De aan- en verkoop, in- en uitvoer, commissiehandel en vertegenwoordiging van om het even welke goederen, in ‘t kort tussenpersoon in de handel.
  8. Het onderzoek, de ontwikkeling, de vervaardiging of commercialisering van nieuwe producten, nieuwe vormen van technologie en hun toepassingen.
  9. Het produceren, verhandelen, transporteren, distribueren en leveren van energie, opgewekt uit hernieuwbare energiebronnen. Het gebruik van alle bestaande en toekomstige toepassingen met betrekking tot hernieuwbare energie en tot hernieuwbare energiebronnen.
  10. Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden, het aankopen, verkopen, ruilen, bouwen, verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen; de aan- en verkoop, huur en verhuur van roerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen, alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze roerende en onroerende goederen.
  11. Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend patrimonium, alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten rechtspersonen en ondernemingen.
  12. Uitbating van een garage
  13. Aan- en verkoop van nieuwe en tweedehandse motorvoertuigen
  14. Onderhoud en herstelling van motorvoertuigen
  15. Handelsbemiddeling bij verkoop motorvoertuigen
  16. Detailhandel in onderdelen en accessoires van motorvoertuigen
  17. Carrosserieherstelling
  18. Bandenservicebedrijf
  19. Verhuur van motorvoertuigen en fietsen
  20. Detailhandel in fietsen en accessoires
deed of 08-12-2023 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Pladijsstraat 21 registered office 8540 Deerlijk 20-12-1964 2.118.978.559

Buildings and parcels at the address

Ground area
455 m²
Buildings
112 m²
Volume, LiDAR
683 m³
Tallest building
9.3 m
Buildings to scale, each on its own parcel
112 m², 9.3 m 112 m², 9.3 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
34392D0297/00W000455 m² 1 · 112 m² 9.3 m · 2

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