Sharpandwolf
ActiveSummary
Sharpandwolf has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €368,032 and a net result of -€31,277. Equity has been growing by about 46% per year since 2018. Its solvency ranks better than 67% of 11,259 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 22-09-1998 Normal situation
- Registered office
- 10 active companies are registered at this address 1 started in the 12 months before. Source: KBO register, as of 2 November 2026.
- Activity
- Real estate agency activities NACE 68310
- Establishment unit
- 2.089.463.835 8300 Knokke-Heist, since 03-12-1998
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Board and ownership
- BV WOLFCODirector · since 08-05-2026 · permanent representative Loic Swolfs
- SWOLFS - WERBROUCK100%30-06-2025 annual accounts of SWOLFS - WERBROUCK
- WOLFCO100%2022 annual accounts of WOLFCO
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €53,149
- ▼ 76.6%
- Turnover
- ≈ €110,000
- estimated
- Loss
- €31,277
- Equity
- €368,032
- ▼ 7.8%
- Total assets
- €716,085
- ▼ 4.1%
Score breakdownraises riskLoss of €31,277 (financial year 2025)lowers riskSize: total assets €716,085Liquidity: current ratio 1.39, cash €164,542Figures for financial year 2025 (filed on 29-06-2026)Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 68, micro). It does better than 65% of them on solvency, 78% on liquidity, 50% on profitability and 30% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
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
The company filed its last 7 accounts on average 19 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 29-06-2026 at the NBB all 28 filings
Every figure per financial year
The operating result for 2025 is a loss of €28,976, after a profit of €138,872 in 2024. It is the lowest result since 2021.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €74,315 | €560,696 | €4,654 | €22,776 | €12,513 |
| Intangible fixed assets | €7,590 | €22,015 | €9,800 | - | - |
| Depreciation and write-downs of the year | €14,664 | €57,444 | €82,927 | €84,999 | €80,692 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2023 to 2024 · 2 entries · €945 awarded · €1,905 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2024 | 1 | €0 | €960 |
| 2023 | 1 | €945 | €945 |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €803 | - | €5,100 | - | €6,017 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,685 | €4,652 | €9,420 | €14,664 | €57,444 | €82,927 | €84,999 | €80,692 | ▼ 5.1% |
| Other operating charges640/8 | - | - | - | €4,605 | €5,716 | €4,345 | €3,713 | €1,433 | ▼ 61.4% |
| Gross operating margin9900 | €6,993 | €52,924 | €290,608 | €122,354 | €130,235 | €278,713 | €227,583 | €53,149 | ▼ 76.6% |
| Operating profit (loss)9901 | -€4,656 | €45,435 | €277,623 | €103,085 | €67,074 | €191,441 | €138,872 | -€28,976 | - |
| Financial income75/76B | - | - | - | €1 | €10 | €9 | €23 | - | - |
| Recurring financial income75 | €4,005 | €4,078 | €2 | €1 | €10 | €9 | €23 | - | - |
| Financial charges65/66B | - | - | - | €2,385 | €3,773 | €2,393 | €2,275 | €2,301 | ▲ 1.1% |
| Recurring financial charges65 | €1,027 | €1,212 | €510 | €2,385 | €3,773 | €2,393 | €2,275 | €2,301 | ▲ 1.1% |
| Profit (loss) for the period before taxes9903 | -€1,678 | €48,301 | €277,115 | €100,701 | €63,312 | €189,057 | €136,620 | -€31,277 | - |
| Income taxes67/77 | €2,902 | €20,966 | €74,063 | €23,959 | €3,911 | €35,178 | €37,580 | - | - |
| Profit (loss) for the period9904 | -€4,580 | €27,335 | €203,052 | €76,742 | €59,401 | €153,879 | €99,040 | -€31,277 | - |
| Profit (loss) for the period to be appropriated9905 | -€4,580 | €27,335 | €203,052 | €76,742 | €59,401 | €153,879 | €99,040 | -€31,277 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €286,568 | €348,887 | €277,208 | €296,028 | €847,995 | €754,887 | €746,341 | €716,085 | ▼ 4.1% |
| Fixed assets21/28 | €14,079 | €11,445 | €45,159 | €112,398 | €637,665 | €569,191 | €506,969 | €436,383 | ▼ 13.9% |
| Intangible fixed assets21 | - | - | - | €7,236 | €24,945 | €27,658 | €19,777 | €11,896 | ▼ 39.8% |
| Tangible fixed assets22/27 | €13,976 | €11,342 | €45,159 | €105,162 | €612,720 | €541,533 | €487,192 | €424,487 | ▼ 12.9% |
| Land and buildings22 | - | - | - | €64,842 | €530,773 | - | - | - | - |
| Plant, machinery and equipment23 | - | - | - | €5,350 | €2,454 | €1,595 | €736 | €636 | ▼ 13.5% |
| Furniture and vehicles24 | - | - | - | €34,970 | €79,493 | €62,635 | €47,211 | €41,255 | ▼ 12.6% |
| Other tangible fixed assets26 | - | - | - | - | - | €477,303 | €439,244 | €382,595 | ▼ 12.9% |
| Financial fixed assets28 | €103 | €103 | - | - | - | - | - | - | - |
| Current assets29/58 | €272,489 | €337,442 | €232,049 | €183,630 | €210,330 | €185,696 | €239,372 | €279,702 | ▲ 16.8% |
| Amounts receivable within one year40/41 | €23,576 | €242,838 | €58,190 | €90,759 | €83,980 | €9,506 | €44,741 | €112,008 | ▲ 150% |
| Trade receivables40 | - | - | - | €54,644 | €37,939 | €9,506 | €36,102 | €81,588 | ▲ 126% |
| Other amounts receivable41 | - | - | - | €36,115 | €46,041 | - | €8,639 | €30,420 | ▲ 252% |
| Current investments50/53 | €6,596 | - | - | - | - | - | - | - | - |
| Cash at bank and in hand54/58 | €19,252 | €93,195 | €173,859 | €92,871 | €126,201 | €176,056 | €194,631 | €164,542 | ▼ 15.5% |
| Deferred charges and accrued income490/1 | - | - | - | - | €148 | €134 | - | €3,152 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €286,568 | €348,887 | €277,208 | €296,028 | €847,995 | €754,887 | €746,341 | €716,085 | ▼ 4.1% |
| Equity10/15 | €276,382 | €24,545 | €66,542 | €86,990 | €146,391 | €300,270 | €399,310 | €368,032 | ▼ 7.8% |
| Contributions10/11 | €22,310 | €22,311 | - | €22,310 | €22,310 | €22,310 | €22,310 | €22,310 | = |
| Reserves13 | €16,231 | €2,231 | €2,231 | €2,231 | €2,231 | €2,231 | €2,231 | €2,231 | = |
| Non-distributable reserves130/1 | - | - | - | €2,231 | €2,231 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €2,231 | €2,231 | - | - | - | - |
| Distributable reserves133 | - | - | - | - | - | €2,231 | €2,231 | €2,231 | = |
| Profit (loss) carried forward14 | €237,841 | €3 | €42,001 | €62,449 | €121,850 | €275,728 | €374,768 | €343,491 | ▼ 8.3% |
| Amounts payable17/49 | €10,186 | €324,342 | €210,666 | €209,038 | €701,603 | €454,617 | €347,031 | €348,053 | ▲ 0.3% |
| Amounts payable after more than one year17 | - | - | - | €26,810 | €536,654 | €256,577 | €186,990 | €146,695 | ▼ 21.5% |
| Financial debts170/4 | - | - | - | €26,810 | €536,654 | €256,577 | €186,990 | €146,695 | ▼ 21.5% |
| Amounts payable within one year42/48 | €10,186 | €324,342 | €210,666 | €182,228 | €164,950 | €198,040 | €160,041 | €201,357 | ▲ 25.8% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €19,233 | €17,798 | €19,587 | €19,767 | ▲ 0.9% |
| Trade debts44 | €8,050 | €43,771 | €20,142 | €40,697 | €82,304 | €85,282 | €64,069 | €111,061 | ▲ 73.3% |
| Suppliers440/4 | - | - | - | €40,697 | €82,304 | €85,282 | €64,069 | €111,061 | ▲ 73.3% |
| Taxes, remuneration and social security45 | - | - | - | €24,063 | €4,158 | €28,719 | - | €11,632 | - |
| Taxes450/3 | - | - | - | €24,063 | €4,158 | €28,719 | - | €11,632 | - |
| Other amounts payable47/48 | - | - | - | €117,468 | €59,254 | €66,241 | €76,385 | €58,897 | ▼ 22.9% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,580 | €27,335 | €203,052 | €76,742 | €59,401 | €153,879 | €99,040 | -€31,277 | - |
| + Depreciation and write-downs630 | €5,685 | €4,652 | €9,420 | €14,664 | €57,444 | €82,927 | €84,999 | €80,692 | ▼ 5.1% |
| Operating cash flow (approximation) | €1,105 | €31,987 | €212,472 | €91,406 | €116,846 | €236,806 | €184,038 | €49,415 | ▼ 73.1% |
| Investment in fixed assets (approximation) | - | -€2,018 | -€43,134 | -€81,903 | -€582,711 | -€14,454 | -€22,776 | -€10,106 | ▲ 55.6% |
| Change in cash | - | €73,943 | €80,664 | -€80,988 | €33,330 | €49,854 | €18,576 | -€30,089 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 8,617 companies had the same profile as Sharpandwolf has now. Two years later, 94.1% were still going and 0.4% had gone bankrupt.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Sharpandwolf itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 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.
| 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 8,617 companies, not a prediction for Sharpandwolf. 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.
Latest 10 of 28 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 29-06-2026 | 2026-00241983 | |
| 31-12-2024 | abbreviated format | 30-06-2025 | 2025-00213159 | |
| 31-12-2023 | abbreviated format | 19-07-2024 | 2024-00270376 | |
| 31-12-2022 | abbreviated format | 17-07-2023 | 2023-00245394 | |
| 31-12-2021 | abbreviated format | 15-07-2022 | 2022-20196267 | |
| 31-12-2020 | abbreviated format | 25-06-2021 | 2021-24600352 | |
| 31-12-2019 | abbreviated format | 05-08-2020 | 2020-39100432 | |
| 31-12-2018 | abbreviated format | 12-08-2019 | 2019-46900329 | |
| 31-12-2017 | abbreviated format | 27-06-2018 | 2018-23500540 | |
| 31-12-2016 | abbreviated format | 23-06-2017 | 2017-20400123 |
Board & ownership
Directors
Board 1
Permanent representatives 1
Owners and capital
Shareholders
2 ownersChain of control
- SWOLFS - WERBROUCK
- Sharpandwolf
Owners 2
- SWOLFS - WERBROUCKparentEquity €944,289 Loss of €377,513 in 2025 (profit of €8,495 in 2024)100%
- WOLFCOparentSourceaccounts WOLFCO 2022Equity €278,731 Profit of €36,859 in 2025 (profit of €46,277 in 2024)100%
Capital transactions
- VOF Swolfs-Werbrouck (BE 0464.653.754) all shares
- 04-12-2023 Converted to unavailable equity
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| BV WOLFCO |
|
| SWOLFS - WERBROUCK |
|
Network & group
Companies at the same address
9 other companies- ALAISE SERVICES Registered office · since 2025 1031672796
- TATAU INVEST Registered office · since 2023 1003278324
- MUYLLE Registered office · since 2023 0471434846
- WOLFCO Registered office · since 2021 0760876809
- SEBANA Registered office · since 2004 0865675510
- Vakantieverhuur Registered office · since 1998 0464201418
- MANER INVEST Registered office · since 1997 0460306768
- Vereniging van Mede-eigenaars Residentie Albert Knokke-Heist(Knokke) Zeedijk 513 Registered office · since 1996 0895181524
- KRIFAAN Registered office · since 1994 0453901206
Connections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
Timeline
Acts, filings and financial milestones
29-09
Gazette deed
Resignation: VOF SWOLFS - WERBROUCK (director)Permanent representatives: Baudouin Swolfs and Loic Swolfs · Appointment: BV WOLFCO (director) · Director discharge6 points ▸
- General meeting, 08-05-2026
- Director resignation, VOF SWOLFS - WERBROUCK (director)
- Permanent representative, Baudouin Swolfs
- Director discharge, VOF SWOLFS - WERBROUCK (director)
- Director appointment, BV WOLFCO (director)
- Permanent representative, Loic Swolfs
04-12
Gazette deed
Company renamed from Immo B. & B. Swolfs to ScharpandwolfResignation: VOF Swolfs-Werbrouck (director) · Reappointment: VOF Swolfs-Werbrouck (director) · Permanent representative: Baudouin Swolfs14 points ▸
- General meeting, 27-11-2023
- Name change, Scharpandwolf
- VOF Swolfs-Werbrouck holds all the shares
- Amendment of the articles, mentioned 2 times in the deed
- Legal-form conversion, “besloten vennootschap” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “beschikbaar voor uitkering, opheffing statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Capital
- Registered-office move, Zeedijk-Albertstrand 513
- Director resignation, VOF Swolfs-Werbrouck (director)
- Director reappointment, VOF Swolfs-Werbrouck (director)
- Permanent representative, Baudouin Swolfs
- The act holds 2 more points.
06-09
Gazette deed
Resignation: BV WOLFCO (director)Permanent representative: Loic Swolfs · Director discharge4 points ▸
- General meeting, 08-05-2023
- Director resignation, BV WOLFCO (director)
- Permanent representative, Loic Swolfs
- Director discharge, BV WOLFCO
Show earlier events
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
7 activities
- De studie en/of uitvoering van onroerende markten,van welke aard ook,onderandere de aankoop,verkoop,huur,verhuur,het bouwen en verbouwen,ruiling,valorisatie,de leasing,inrichting,verkaveling,de uitbating en de promotie
- Het beleggen van haar middelen in allerlei,onder welke naam en in welke vorm ook
- Het afsluiten van verzekeringscontracten,het beheer van een verzekeringsportefeuille
- Het uitoefenen van het syndic-en rentmeesterschap
- Het op enigerlei wijze stellen van zekerheden ten behoeve van derden,mits vergoeding
- In het algemeen alle commerciële,industriële en financiële verrichtingen,roerend of onroerend,die rechtstreeks of onrechtstreeks in verband kunnen gebracht worden met wat hierboven niet limitatief werd opgesomd
- Het rechtstreeks of onrechtstreeks deelnemen in of het beheer voeren over ondernemingen,
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 31013A0767/00G000 | Flanders | 3,619 m² | 1 · 3,148 m² | 43.4 m · 7 |
| 31013A0097/00A000 | Flanders | 1,321 m² | 1 · 532 m² | 33.0 m · 9 |