SWAENENBURG
ActiveSWAENENBURG has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €8k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 688 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-17
Solvency44▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 0.86 in 2024; short-term debt: 14.5% and cash: 1.9% of total assets), and 81.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
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
18.8%
Return on assets
1.6%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-02-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
42 d early
2023
13 d early
2022
26 d late
2021
73 d early
2020
21 d late
2019
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€91k▲ 9.1%
2024 · €83k
2018: €82k
2019: €45k
2020: €45k
2021: €55k
2022: €35k
2023: €47k
2024: €83k
2018 → 2025
Total assets
€482k▼ 1.4%
2024 · €489k
2018: €193k
2019: €340k
2020: €328k
2021: €322k
2022: €411k
2023: €532k
2024: €489k
2018 → 2025
Net result
€8k▼ 79.1%
2024 · €36k
2018: €7k
2019: €-38k
2020: €671
2021: €8k
2022: €-20k
2023: €12k
2024: €36k
2018 → 2025
Working capital
€25k
2024 · €-12k
2018: €-56k
2019: €-79k
2020: €-51k
2021: €-65k
2022: €-70k
2023: €-27k
2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€35k▼ 36.2%€47k▲ 33.4%€83k▲ 77.1%€91k▲ 9.1%
Operating result€16k-€-12k€29k€55k▲ 86.2%€24k▼ 55.7%
Net result€8k-€-20k€12k€36k▲ 208%€8k▼ 79.1%
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 56% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €482k
Fixed assets
€388k▼ 6.8%
Current assets
€94k▲ 29.5%
Equity and liabilities €482k
Equity
€91k▲ 9.1%
Debt
€391k▼ 3.6%
The debt ratio falls from 83.0% to 81.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€76k▼
2024 · €108k
Cash flow
€60k▼
2024 · €89k
Solvency
18.8%▲
2024 · 17.0%
Current ratio
1.35▲
2024 · 0.86
Quick ratio
1.25▲
2024 · 0.73
Debt / equity
4.31▼
2024 · 4.88
ROE
8.3%▼
2024 · 43.5%
ROA
1.6%▼
2024 · 7.4%
Interest coverage
4.38▼
2024 · 5.53
Debt
€391k▼
2024 · €406k
Debt ≤ 1 year
€70k▼
2024 · €84k
Debt > 1 year
€317k▼
2024 · €321k
Staff costs
€-804▼
2024 · €21k
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€489k€482k▼
Fixed assets21/28€416k€388k▼
Intangible fixed assets21€752€571▼
Tangible fixed assets22/27€415k€387k▼
Land and buildings22€372k€356k▼
Plant, machinery and equipment23€28k€20k▼
Furniture and vehicles24€15k€11k▼
Current assets29/58€73k€94k▲
Amounts receivable after more than one year29€5k€38k▲
Other amounts receivable291€5k€38k▲
Stocks and contracts in progress3€11k€7k▼
Stocks30/36€11k€7k▼
Amounts receivable within one year40/41€27k€33k▲
Trade receivables40€27k€33k▲
Other amounts receivable41-€95
Cash at bank and in hand54/58€25k€9k▼
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€489k€482k▼
Equity10/15€83k€91k▲
Contributions10/11€200k€200k=
Capital10€200k€200k=
Issued capital100€200k€200k=
Reserves13€318€318=
Non-distributable reserves130/1€318€318=
Legal reserve130€318€318=
Profit (loss) carried forward14€-117k€-110k▲
Amounts payable17/49€406k€391k▼
Amounts payable after more than one year17€321k€317k▼
Financial debts170/4€202k€189k▼
Other amounts payable178/9€120k€128k▲
Amounts payable within one year42/48€84k€70k▼
Current portion of amounts payable after more than one year42€33k€34k▲
Trade debts44€49k€36k▼
Suppliers440/4€49k€36k▼
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Remuneration and social security454/9€0-
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€21k€-804▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€52k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€9k€9k▲
Gross operating margin9900€137k€87k▼
Operating profit (loss)9901€55k€24k▼
Financial income75/76B€862€738▼
Recurring financial income75€862€738▼
Financial charges65/66B€19k€17k▼
Recurring financial charges65€19k€17k▼
Profit (loss) for the period before taxes9903€36k€8k▼
Profit (loss) for the period9904€36k€8k▼
Profit (loss) for the period to be appropriated9905€36k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-117k€-110k▲
Profit (loss) brought forward from the previous period14P€-153k€-117k▲
The notes to these accounts (19 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
18-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €36k ▲208%
Operating result €55k, net result €36k, both a record.
17-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 26 days late
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 21 days late
2020
30-09
Financial
Back to profitnet €671
Net result €671 after one loss-making year.
24-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Weakest financial yearnet €-38k ▼638%
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
15-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Oostrozebeke · 1 establishment unit since 1990
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.
Ingelmunstersteenweg 173-1758780 OostrozebekeGround area
4,037 m²
Building footprint
532 m²
Volume, LiDAR
4,105 m³
Parcel 37010E1054/00B000, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
de Wijnmeester
since 19902.050.731.339
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37010E1054/00B000 | Flanders | 4,037 m² | 1 · 532 m² | 11.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOostrozebeke2.050.731.339
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Of 2,395 companies in sector 55100 we hold annual accounts for 1,517. 1,028 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-10-1990
Fiscal year end30-09
Activities, NACEBEL
55100Hotels and similar accommodation
55101Hotels
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.