SWERTO
ActiveSummary
The computed 12-month bankruptcy probability of SWERTO is 6.4% (elevated). For SWERTO, one filing cycle of the annual accounts is missing. The 2024 annual accounts show negative equity (-€32,346) and a net result of €5,006. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 8% of 2941 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: One filing cycle is missing
Axes, FY 2024 · tick = 2023
Profitability74▲+3
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
6.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
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 2024Solvency, return and age of the figures
Solvency
-59.6%
Return on assets
9.2%
Age of the figures
27 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 242 days later.
NBB · 4 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline30-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 19-12-2024, 43 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not filed
2024
43 d early
2023
27 d early
2022
27 d early
2021
45 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 36 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, abbreviated schema
Equity
-€32,346▲ 13.4%
2023 · -€37,352
Total assets
€54,259▲ 0.4%
2023 · €54,026
Net result
€5,006▲ 39.2%
2023 · €3,595
Working capital
-€9,551▲ 0.5%
2023 · -€9,601
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result-€27,376--€11,297▲ 58.7%€7,559€7,098▼ 6.1%
Net result-€29,465below the sector's middle half--€13,984below the sector's middle half▲ 52.5%€3,595within the sector's middle half€5,006within the sector's middle half▲ 39.2%
Equity-€26,965below the sector's middle half--€40,948below the sector's middle half▼ 51.9%-€37,352below the sector's middle half▲ 8.8%-€32,346below the sector's middle half▲ 13.4%
Total assets€65,074below the sector's middle half-€55,669below the sector's middle half▼ 14.5%€54,026below the sector's middle half▼ 3.0%€54,259below the sector's middle half▲ 0.4%
Debt€92,038-€96,617▲ 5.0%€91,378▼ 5.4%€86,605▼ 5.2%
Working capital-€3,000within the sector's middle half--€13,171within the sector's middle half▼ 339%-€9,601within the sector's middle half▲ 27.1%-€9,551within the sector's middle half▲ 0.5%
Solvency-41.4%below the sector's middle half--73.6%below the sector's middle half▼ 32.1pp-69.1%below the sector's middle half▲ 4.4pp-59.6%below the sector's middle half▲ 9.5pp
Current ratio0.87within the sector's middle half-0.63within the sector's middle half▼ 0.240.77within the sector's middle half▲ 0.140.79within the sector's middle half▲ 0.02
Return on assets (ROA)-45.3%below the sector's middle half--25.1%below the sector's middle half▲ 20.2pp6.7%within the sector's middle half▲ 31.8pp9.2%within the sector's middle half▲ 2.6pp
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
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 2024; 2024 is 6% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €54,259
Fixed assets
€17,954 ▼ 16.2%
Current assets
€36,305 ▲ 11.4%
Key figures and ratios
EBITDA
€10,578▼
2023 · €19,446
Cash flow
€8,486▼
2023 · €15,482
Quick ratio
0.74▲
2023 · 0.65
Debt to equity
-2.68▼
2023 · -2.45
Interest coverage
5.24▼
2023 · 5.32
Debt ≤ 1 year
€45,856▲
2023 · €42,194
Debt > 1 year
€40,749▼
2023 · €49,184
Income taxes
€74▼
2023 · €307
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €4,218 | €269 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,832 | €11,885 | €11,887 | €3,480 | ▼ 70.7% |
| Other operating charges640/8 | - | €10,139 | €11,310 | €6,720 | ▼ 40.6% |
| Non-recurring operating charges66A | - | €800 | €62 | - | - |
| Gross operating margin9900 | -€11,488 | €15,745 | €31,087 | €17,298 | ▼ 44.4% |
| Operating profit (loss)9901 | -€27,376 | -€11,297 | €7,559 | €7,098 | ▼ 6.1% |
| Recurring financial income75 | €100 | - | - | - | - |
| Financial charges65/66B | - | €2,528 | €3,657 | €2,018 | ▼ 44.8% |
| Recurring financial charges65 | €2,188 | €2,528 | €3,657 | €2,018 | ▼ 44.8% |
| Profit (loss) for the period before taxes9903 | -€29,465 | -€13,825 | €3,902 | €5,080 | ▲ 30.2% |
| Income taxes67/77 | - | €159 | €307 | €74 | ▼ 75.9% |
| Profit (loss) for the period9904 | -€29,465 | -€13,984 | €3,595 | €5,006 | ▲ 39.2% |
| Profit (loss) for the period to be appropriated9905 | -€29,465 | -€13,984 | €3,595 | €5,006 | ▲ 39.2% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €65,074 | €55,669 | €54,026 | €54,259 | ▲ 0.4% |
| Fixed assets21/28 | €45,205 | €33,320 | €21,433 | €17,954 | ▼ 16.2% |
| Tangible fixed assets22/27 | €44,935 | €33,050 | €21,163 | €17,684 | ▼ 16.4% |
| Land and buildings22 | - | €6,823 | €6,009 | €5,195 | ▼ 13.5% |
| Plant, machinery and equipment23 | - | €24,940 | €14,547 | €12,489 | ▼ 14.1% |
| Furniture and vehicles24 | - | €1,287 | €607 | - | - |
| Financial fixed assets28 | €270 | €270 | €270 | €270 | = |
| Current assets29/58 | €19,869 | €22,349 | €32,593 | €36,305 | ▲ 11.4% |
| Stocks and contracts in progress3 | €4,219 | €4,409 | €4,965 | €2,320 | ▼ 53.3% |
| Stocks30/36 | - | €4,409 | €4,965 | €2,320 | ▼ 53.3% |
| Amounts receivable within one year40/41 | €9,122 | €15,406 | €24,751 | €30,002 | ▲ 21.2% |
| Other amounts receivable41 | - | €15,406 | €24,751 | €30,002 | ▲ 21.2% |
| Cash at bank and in hand54/58 | €5,688 | €2,534 | €2,877 | €3,983 | ▲ 38.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €65,074 | €55,669 | €54,026 | €54,259 | ▲ 0.4% |
| Equity10/15 | -€26,965 | -€40,948 | -€37,352 | -€32,346 | ▲ 13.4% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Outside capital11 | - | €2,500 | €2,500 | €2,500 | = |
| Other1109/19 | - | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | -€29,465 | -€43,448 | -€39,852 | -€34,846 | ▲ 12.6% |
| Amounts payable17/49 | €92,038 | €96,617 | €91,378 | €86,605 | ▼ 5.2% |
| Amounts payable after more than one year17 | €69,169 | €61,097 | €49,184 | €40,749 | ▼ 17.1% |
| Financial debts170/4 | - | €61,097 | €49,184 | €40,749 | ▼ 17.1% |
| Amounts payable within one year42/48 | €22,869 | €35,520 | €42,194 | €45,856 | ▲ 8.7% |
| Current portion of amounts payable after more than one year42 | - | €4,410 | €8,251 | €8,434 | ▲ 2.2% |
| Trade debts44 | €12,634 | €30,646 | €31,877 | €34,712 | ▲ 8.9% |
| Suppliers440/4 | - | €30,646 | €31,877 | €34,712 | ▲ 8.9% |
| Taxes, remuneration and social security45 | - | €464 | €2,066 | €2,710 | ▲ 31.2% |
| Taxes450/3 | - | €464 | €2,066 | €2,710 | ▲ 31.2% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€29,465 | -€13,984 | €3,595 | €5,006 | ▲ 39.2% |
| + Depreciation and write-downs630 | €10,832 | €11,885 | €11,887 | €3,480 | ▼ 70.7% |
| Operating cash flow (approximation) | -€18,632 | -€2,099 | €15,482 | €8,486 | ▼ 45.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1 | - |
| Change in cash | - | -€3,154 | €343 | €1,106 | ▲ 222% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Highest result since 2021net €5,006 ▲39.2%
Net result €5,006, the highest in the series.
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €3,595
Net result €3,595 after 2 loss-making years.
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Antwerpen · 1 establishment unit since 2020
Ground area
261 m²
Building footprint
261 m²
Volume, LiDAR
4,112 m³
Parcel 11811L3838/00N000, Flanders · tallest building 22.5 m, ±6 floors. Linked by address, not a title deed.
237
companies at this address
See who is registered here
1 establishment unit
SWERTO
since 20202.303.825.323
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3838/00N000 | Flanders | 261 m² | 1 · 261 m² | 22.5 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 21,853 companies in sector 56112 we hold annual accounts for 9,781. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-06-2020
Fiscal year end30-06
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
56210Event catering
77223Rental and leasing activities
Contact
E-mail
steve.de.swert@outlook.com
Phone
0489150157
E-invoicing
Reachable via Peppol
Peppol ID
0208:0748562460
Also
9925:BE0748562460
Registered
19-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.