SWENTIBOLD
ActiveSWENTIBOLD has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €385k and a net result of €22k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 51% of 7583 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent▼ -19 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-27
Solvency88▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.56 in 2024), and 48.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
51.9%
Return on assets
2.9%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d late
2023
26 d early
2022
43 d early
2021
42 d early
2020
41 d early
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close06-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€385k▲ 6.0%
2024 · €363k
2021: €256k
2022: €286k
2023: €323k
2024: €363k
2021 → 2025
Total assets
€741k▲ 8.9%
2024 · €680k
2021: €546k
2022: €574k
2023: €613k
2024: €680k
2021 → 2025
Net result
€22k▼ 45.8%
2024 · €40k
2021: €-305k
2022: €31k
2023: €37k
2024: €40k
2021 → 2025
Working capital
€235k▲ 33.6%
2024 · €176k
2021: €-26k
2022: €66k
2023: €114k
2024: €176k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€256k-€286k▲ 11.9%€323k▲ 12.8%€363k▲ 12.4%€385k▲ 6.0%
Operating result€7k-€25k▲ 268%€36k▲ 41.7%€35k▼ 1.6%€37k▲ 5.5%
Net result€-305k-€31k€37k▲ 20.2%€40k▲ 9.4%€22k▼ 45.8%
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 5% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €741k
Fixed assets
€151k▼ 19.8%
Current assets
€590k▲ 19.8%
Equity and liabilities €741k
Equity
€385k▲ 6.0%
Debt
€356k▲ 12.2%
The debt ratio rises from 46.7% to 48.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€75k▲
2024 · €72k
Cash flow
€59k▼
2024 · €77k
Solvency
51.9%▼
2024 · 53.3%
Current ratio
1.66▲
2024 · 1.56
Quick ratio
1.66▲
2024 · 1.56
Debt / equity
0.93▲
2024 · 0.87
ROE
5.7%▼
2024 · 11.1%
ROA
2.9%▼
2024 · 5.9%
Interest coverage
2.26▼
2024 · 3.48
Debt
€356k▲
2024 · €317k
Debt ≤ 1 year
€355k▲
2024 · €316k
Income taxes
€12k▲
2024 · €-1k
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
Total assets
20/58€680k€741k▲
Fixed assets
21/28€188k€151k▼
Tangible fixed assets
22/27€188k€151k▼
Current assets
29/58€492k€590k▲
Amounts receivable within one year
40/41€5k€4k▼
Investments
50/53€413k€481k▲
Cash & bank
54/58€74k€105k▲
Total equity & liabilities
10/49€680k€741k▲
Equity
10/15€363k€385k▲
Contributions / capital
10/11€545k€545k=
Reserves
13€15k€15k=
Accumulated profits (losses)
14€-198k€-176k▲
Amounts payable
17/49€317k€356k▲
Amounts payable within one year
42/48€316k€355k▲
Trade debts payable within one year
44€13k€6k▼
Income statement
Code20242025
Gross operating margin
9900€80k€80k▲
Operating result
9901€35k€37k▲
Financial income
75€24k€30k▲
Financial charges
65€21k€33k▲
Result before taxes
9903€39k€34k▼
Income taxes
67/77€-1k€12k▲
Net result for the period
9904€40k€22k▼
Result to be appropriated
9905€40k€22k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
2024
30-06
Financial
Highest result since 2021net €40k ▲9.4%
Net result €40k, the highest in the series.
05-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 5 days late
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
MedXPress.Pro
BE 0673.704.095
Leuven · Eq €385k
sciBASICS
BE 0893.600.424
Rochefort · Eq €384k
COVANCO
BE 0461.350.608
Izegem · Eq €384k
OTRA COSA
BE 0646.940.906
Mouscron · Eq €383k
SERVICE FACTURATION INFIRMIER SOINS DOMICILE DOUR
BE 0837.410.896
Dour · Eq €383k
Of 11,162 companies in sector 82100 we hold annual accounts for 3,421. 2,101 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-02-1994
Fiscal year end30-06
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 06-08-2026. Scores and ratios are computed by Checked and are not a credit decision.