SW Service
ActiveThe computed 12-month bankruptcy probability of SW Service is 2.5% (moderate). The 2025 annual accounts show equity of €7k and a net result of €1k. Its solvency ranks better than 42% of 4422 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-52
Solvency59▼-5
Growth52
Track record82
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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 12-05-2026, 80 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
80 d early
2024
14 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▲ 24.3%
2024 · €6k
2024: €6k
2024 → 2025
Total assets
€20k▲ 45.5%
2024 · €14k
2024: €14k
2024 → 2025
Net result
€1k▼ 61.9%
2024 · €4k
2024: €4k
2024 → 2025
Working capital
€9k▲ 120%
2024 · €4k
2024: €4k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€6k-€7k▲ 24.3%
Operating result€6k-€6k▼ 9.0%
Net result€4k-€1k▼ 61.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20k
Fixed assets
€3k▼ 28.9%
Current assets
€17k▲ 83.2%
Equity and liabilities €20k
Equity
€7k▲ 24.3%
Debt
€14k▲ 59.1%
The debt ratio rises from 60.7% to 66.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7k▲
2024 · €7k
Cash flow
€3k▼
2024 · €4k
Solvency
33.6%▼
2024 · 39.3%
Current ratio
2.19▲
2024 · 1.83
Quick ratio
1.04▼
2024 · 1.83
Debt / equity
1.98▲
2024 · 1.54
ROE
19.6%▼
2024 · 63.8%
ROA
6.6%▼
2024 · 25.1%
Interest coverage
2.50▼
2024 · 6.58
Debt
€14k▲
2024 · €9k
Debt ≤ 1 year
€8k▲
2024 · €5k
Debt > 1 year
€6k▲
2024 · €3k
Income taxes
€1k▼
2024 · €2k
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€14k€20k▲
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€9k€17k▲
Stocks and contracts in progress3-€9k
Contracts in progress37-€9k
Amounts receivable within one year40/41€3k€6k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€780€3k▲
Cash at bank and in hand54/58€5k€2k▼
Deferred charges and accrued income490/1€1k€338▼
Equity and liabilities
Total equity and liabilities10/49€14k€20k▲
Equity10/15€6k€7k▲
Contributions10/11€2k€2k=
Reserves13€4k€5k▲
Distributable reserves133€4k€5k▲
Amounts payable17/49€9k€14k▲
Amounts payable after more than one year17€3k€6k▲
Financial debts170/4€3k€6k▲
Amounts payable within one year42/48€5k€8k▲
Current portion of amounts payable after more than one year42€2k€2k▲
Financial debts43-€156
Credit institutions430/8-€156
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€285€0▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€457€1k▲
Other operating charges640/8€586€751▲
Non-recurring operating charges66A-€975
Gross operating margin9900€7k€9k▲
Operating profit (loss)9901€6k€6k▼
Financial income75/76B€0€0=
Recurring financial income75€0€0=
Financial charges65/66B€994€3k▲
Recurring financial charges65€994€3k▲
Profit (loss) for the period before taxes9903€5k€3k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€4k€1k▼
Profit (loss) for the period to be appropriated9905€4k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€1k▼
Transfer to equity691/2€4k€1k▼
To other reserves6921€4k€1k▼
The notes to these accounts (8 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Oudsbergen · 1 establishment unit since 2024
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.
Rondestraat 63670 OudsbergenGround area
324 m²
Building footprint
83 m²
Volume, LiDAR
456 m³
Parcel 72022B0569/00B002, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SW Service
since 20242.359.387.220
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72022B0569/00B002 | Flanders | 324 m² | 1 · 83 m² | 6.6 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
Cleaning Service Willems
BE 0799.287.522
Kasterlee · Eq €7k
PLUS BUSINESS SERVICES
BE 0508.718.973
Brugge · Eq €7k
Rufa Group
BE 1016.643.340
Schaarbeek · Eq €7k
ABX CLEANING
BE 0778.938.704
Aalst · Eq €7k
Genius Invest
BE 1017.464.969
Sint-Truiden · Eq €7k
Of 7,353 companies in sector 81210 we hold annual accounts for 2,734. 1,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2024
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.