SWALDO
ActiveSWALDO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €434k and a net result of €170k. Equity is growing by ~29.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 2295 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+12
Solvency45▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 1.98 in 2024; short-term debt: 18.8% and cash: 7.6% of total assets), but 80.4% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← 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
19.6%
Return on assets
7.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
30 d late
2024
28 d late
2023
66 d late
2022
31 d late
2021
31 d late
2020
30 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€434k▲ 64.7%
2024 · €263k
2020: €26k
2021: €165k
2022: €217k
2023: €278k
2024: €263k
2020 → 2025
Total assets
€2.22M▲ 16.1%
2024 · €1.91M
2020: €1.08M
2021: €1.59M
2022: €1.63M
2023: €1.51M
2024: €1.91M
2020 → 2025
Net result
€170k▲ 1,733%
2024 · €9k
2020: €6k
2021: €139k
2022: €52k
2023: €109k
2024: €9k
2020 → 2025
Working capital
€450k▲ 104%
2024 · €221k
2020: €-60k
2021: €-152k
2022: €-126k
2023: €-59k
2024: €221k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€217k▲ 31.5%€278k▲ 28.4%€263k▼ 5.3%€434k▲ 64.7%
Operating result€159k-€73k▼ 54.2%€126k▲ 73.2%€29k▼ 77.1%€244k▲ 744%
Net result€139k-€52k▼ 62.6%€109k▲ 111%€9k▼ 91.5%€170k▲ 1,733%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 744% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.22M
Fixed assets
€1.35M▼ 7.8%
Current assets
€868k▲ 94.6%
Equity and liabilities €2.22M
Equity
€434k▲ 64.7%
Debt
€1.78M▲ 8.3%
The debt ratio falls from 86.2% to 80.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€324k▲
2024 · €112k
Cash flow
€251k▲
2024 · €92k
Solvency
19.6%▲
2024 · 13.8%
Current ratio
2.08▲
2024 · 1.98
Quick ratio
2.08▲
2024 · 1.98
Debt / equity
4.11▼
2024 · 6.25
ROE
39.3%▲
2024 · 3.5%
ROA
7.7%▲
2024 · 0.5%
Interest coverage
13.04▲
2024 · 5.54
Debt
€1.78M▲
2024 · €1.65M
Debt ≤ 1 year
€417k▲
2024 · €225k
Debt > 1 year
€1.32M▼
2024 · €1.39M
Income taxes
€57k▲
2024 · €3k
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€1.91M€2.22M▲
Fixed assets21/28€1.46M€1.35M▼
Tangible fixed assets22/27€1.24M€1.12M▼
Land and buildings22€1.21M€1.10M▼
Plant, machinery and equipment23€33k€26k▼
Financial fixed assets28€224k€224k=
Current assets29/58€446k€868k▲
Amounts receivable within one year40/41€388k€697k▲
Trade receivables40€16k€22k▲
Other amounts receivable41€372k€675k▲
Cash at bank and in hand54/58€56k€168k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.91M€2.22M▲
Equity10/15€263k€434k▲
Contributions10/11€20k€20k=
Reserves13€243k€414k▲
Distributable reserves133€243k€414k▲
Amounts payable17/49€1.65M€1.78M▲
Amounts payable after more than one year17€1.39M€1.32M▼
Financial debts170/4€1.39M€1.32M▼
Amounts payable within one year42/48€225k€417k▲
Current portion of amounts payable after more than one year42€69k€70k▲
Trade debts44€5k€24k▲
Suppliers440/4€5k€24k▲
Advances received on contracts in progress46€152k€197k▲
Other amounts payable47/48-€126k
Accrued charges and deferred income492/3€29k€43k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€80k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€115k€328k▲
Operating profit (loss)9901€29k€244k▲
Financial income75/76B€3k€8k▲
Recurring financial income75€3k€8k▲
Financial charges65/66B€20k€25k▲
Recurring financial charges65€20k€25k▲
Profit (loss) for the period before taxes9903€12k€227k▲
Income taxes67/77€3k€57k▲
Profit (loss) for the period9904€9k€170k▲
Profit (loss) for the period to be appropriated9905€9k€170k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€170k▲
Transfer from equity791/2€24k-
Transfer to equity691/2€9k€170k▲
To other reserves6921€9k€170k▲
Profit to be distributed694/7€24k-
Return on contributions (dividend)694€24k-
The notes to these accounts (14 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Highest result since 2020net €170k ▲1733%
Operating result €244k, net result €170k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 1.98
Current ratio from 0.74 to 1.98; short-term debt falls from €227k to €225k.
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 66 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €217k ▲31.5%
3 profitable years in a row build equity to €217k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €165k ▲537%
2 profitable years in a row build equity to €165k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
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, Dilbeek · 1 establishment unit since 2019
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.
Kaudenaardestraat 711700 DilbeekGround area
2,095 m²
Building footprint
721 m²
Volume, LiDAR
2,673 m³
2 parcels, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SWALDO
since 20192.296.911.104
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23352F0193/00D002 | Flanders | 1,648 m² | 1 · 272 m² | 10.3 m · 1 fl. |
| 23071C0533/00P000 | Flanders | 447 m² | 1 · 449 m² | 7.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,200 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,200 EUR | 0 EUR |
Schemes
Subsidies laadpalen (Relance)
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Of 3,292 companies in sector 93110 we hold annual accounts for 1,495. 1,043 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2019
Fiscal year end31-12
Activities, NACEBEL
93110Operation of sports facilities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.