SWALUW
ActiveSWALUW has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-15k) and a net result of €-4k. Equity is shrinking by ~86.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
25
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year €-15k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 4 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
31 d late
2022
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-15k▼ 35.1%
2024 · €-11k
2022: €4k
2023: €-2k
2024: €-11k
2022 → 2025
Total assets
€2k▼ 26.1%
2024 · €3k
2022: €25k
2023: €14k
2024: €3k
2022 → 2025
Net result
€-4k▲ 58.6%
2024 · €-9k
2022: €938
2023: €-6k
2024: €-9k
2022 → 2025
Working capital
€-16k▼ 22.7%
2024 · €-13k
2022: €-720
2023: €-5k
2024: €-13k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€-2k€-11k▼ 559%€-15k▼ 35.1%
Operating result€5k-€-4k€-9k▼ 94.0%€-3k▲ 60.1%
Net result€938-€-6k€-9k▼ 66.7%€-4k▲ 58.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €9k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2k
Fixed assets
€1k▼ 45.5%
Current assets
€1k▲ 7.4%
Key figures and ratios
EBITDA
€-3k▲
2024 · €-7k
Cash flow
€-3k▲
2024 · €-8k
Interest coverage
-7.50▲
2024 · -12.34
Debt
€17k▲
2024 · €14k
Debt ≤ 1 year
€17k▲
2024 · €14k
Income taxes
€71▼
2024 · €78
Ratios withheld: a balance sheet total of €2k is too small for a meaningful ratio.
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€3k€2k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€296€0▼
Current assets29/58€1k€1k▲
Amounts receivable within one year40/41€1k€900▼
Trade receivables40€942€150▼
Other amounts receivable41€183€750▲
Cash at bank and in hand54/58€28€0▼
Deferred charges and accrued income490/1€0€338▲
Equity and liabilities
Total equity and liabilities10/49€3k€2k▼
Equity10/15€-11k€-15k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-14k€-18k▼
Amounts payable17/49€14k€17k▲
Amounts payable within one year42/48€14k€17k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€234€149▼
Taxes450/3€234€149▼
Other amounts payable47/48€12k€13k▲
Income statement
Code20242025
Non-recurring operating income76A€8k€0▼
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€909▼
Other operating charges640/8€452€400▼
Non-recurring operating charges66A€379€0▼
Gross operating margin9900€-7k€-2k▲
Operating profit (loss)9901€-9k€-3k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€595€340▼
Recurring financial charges65€595€340▼
Profit (loss) for the period before taxes9903€-9k€-4k▲
Income taxes67/77€78€71▼
Profit (loss) for the period9904€-9k€-4k▲
Profit (loss) for the period to be appropriated9905€-9k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-18k▼
Profit (loss) brought forward from the previous period14P€-5k€-14k▼
The notes to these accounts (13 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Halle · 1 establishment unit since 2021
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.
Stokerijstraat 191502 HalleGround area
2,034 m²
Building footprint
314 m²
Parcel 23043C0100/00R004, Flanders. Linked by address, not a title deed.
1 establishment unit
SWALUW
since 20212.318.933.963
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23043C0100/00R004 | Flanders | 2,034 m² | 1 · 314 m² | - |
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
CertiOne
BE 0751.651.317
Hamois · Eq €4k
Oodal
BE 0792.548.693
Grimbergen · Eq €4k
LW Management
BE 0642.843.447
Ukkel · Eq €4k
AFVO
BE 0716.649.757
Wavre · Eq €4k
Prins Louis
BE 0789.684.522
Schoten · Eq €4k
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 13,384 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:dieter.vanackere@gmail.com
Phone:0472262959