SWE Consulting
ActiveSWE Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €107k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+23
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 16.81 against 2.02 in 2024; short-term debt: 5.9% and cash: 36.3% of total assets), and 5.9% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
94.1%
Return on assets
124.3%
Age of the figures
9 mo
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 23-04-2026, 99 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
99 d early
2024
76 d early
2023
146 d early
2022
96 d early
2021
103 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€107k▼ 14.1%
2024 · €125k
2021: €25k
2022: €98k
2023: €112k
2024: €125k
2021 → 2025
Working capital
€80k▼ 4.0%
2024 · €84k
2021: €13k
2022: €115k
2023: €230k
2024: €84k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€124k▲ 380%€236k▲ 90.3%€88k▼ 62.8%€81k▼ 7.6%
Operating result€33k-€128k▲ 281%€146k▲ 14.1%€163k▲ 11.7%€140k▼ 14.1%
Net result€25k-€98k▲ 295%€112k▲ 14.0%€125k▲ 11.4%€107k▼ 14.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86k
Fixed assets
€871▼ 79.3%
Current assets
€85k▼ 48.5%
Equity and liabilities €86k
Equity
€81k▼ 7.6%
Debt
€5k▼ 93.8%
The debt ratio falls from 48.3% to 5.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€143k▼
2024 · €166k
Cash flow
€110k▼
2024 · €128k
Solvency
94.1%▲
2024 · 51.7%
Current ratio
16.81▲
2024 · 2.02
Quick ratio
16.81▲
2024 · 2.02
Debt / equity
0.06▼
2024 · 0.93
ROE
132.1%▼
2024 · 142.2%
ROA
124.3%▲
2024 · 73.5%
Interest coverage
422.83▼
2024 · 1373.87
Debt
€5k▼
2024 · €82k
Debt ≤ 1 year
€5k▼
2024 · €82k
Income taxes
€32k▼
2024 · €38k
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€170k€86k▼
Fixed assets21/28€4k€871▼
Tangible fixed assets22/27€4k€871▼
Furniture and vehicles24€4k€871▼
Current assets29/58€166k€85k▼
Amounts receivable within one year40/41€59k€3k▼
Trade receivables40€58k-
Other amounts receivable41€594€3k▲
Current investments50/53€50k€50k=
Cash at bank and in hand54/58€56k€31k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€170k€86k▼
Equity10/15€88k€81k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€87k€80k▼
Amounts payable17/49€82k€5k▼
Amounts payable within one year42/48€82k€5k▼
Trade debts44€461€2k▲
Suppliers440/4€461€2k▲
Taxes, remuneration and social security45€41k€3k▼
Taxes450/3€41k€3k▼
Other amounts payable47/48€41k€225▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€596€1k▲
Gross operating margin9900€167k€144k▼
Operating profit (loss)9901€163k€140k▼
Financial charges65/66B€121€338▲
Recurring financial charges65€121€338▲
Profit (loss) for the period before taxes9903€163k€139k▼
Income taxes67/77€38k€32k▼
Profit (loss) for the period9904€125k€107k▼
Profit (loss) for the period to be appropriated9905€125k€107k▼
Appropriation of the result
Profit (loss) to be appropriated9906€360k€194k▼
Profit (loss) brought forward from the previous period14P€235k€87k▼
Profit to be distributed694/7€273k€114k▼
Return on contributions (dividend)694€273k€114k▼
The notes to these accounts (4 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
31-12
Financial
Liquidity times 8current ratio 16.81
Current ratio from 2.02 to 16.81; short-term debt falls from €82k to €5k.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Highest result since 2021net €125k ▲11.4%
Operating result €163k, net result €125k, both a record.
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
31-12
Financial
Equity above €200kEq €236k ▲90.3%
3 profitable years in a row build equity to €236k.
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-12
Financial
Liquidity doublescurrent ratio 4.50
Current ratio from 1.96 to 4.50.
31-12
Financial
Equity above €100kEq €124k ▲380%
2 profitable years in a row build equity to €124k.
19-04
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
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, Eupen · 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.
Zur Nohn 224701 Eupen1 establishment unit
SWE Consulting
since 20212.322.610.164
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Of 2,761 companies in sector 69109 we hold annual accounts for 1,209. 939 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2021
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68322Real estate appraisal on a fee or contract basis
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filings
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.