Swhite
ActiveSwhite has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.12M and a net result of €225k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 77% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 4.16 against 4.91 in 2024), and 23.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
76.6%
Return on assets
15.4%
Age of the figures
8 mo
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
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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
31 d late
2023
30 d late
2022
31 d late
2021
31 d early
2020
3 d early
2019
on the day
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.12M▲ 8.7%
2024 · €1.03M
2018: €181k
2019: €306k
2020: €398k
2021: €485k
2022: €750k
2023: €892k
2024: €1.03M
2018 → 2025
Total assets
€1.47M▲ 14.3%
2024 · €1.28M
2018: €283k
2019: €462k
2020: €581k
2021: €722k
2022: €1.04M
2023: €1.18M
2024: €1.28M
2018 → 2025
Net result
€225k▲ 9.6%
2024 · €205k
2018: €56k
2019: €154k
2020: €92k
2021: €87k
2022: €265k
2023: €168k
2024: €205k
2018 → 2025
Working capital
€1.08M▲ 10.3%
2024 · €976k
2018: €159k
2019: €284k
2020: €368k
2021: €436k
2022: €690k
2023: €823k
2024: €976k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€485k-€750k▲ 54.7%€892k▲ 19.0%€1.03M▲ 15.7%€1.12M▲ 8.7%
Operating result€114k-€361k▲ 216%€230k▼ 36.2%€281k▲ 22.2%€311k▲ 10.7%
Net result€87k-€265k▲ 206%€168k▼ 36.7%€205k▲ 22.4%€225k▲ 9.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.47M
Fixed assets
€49k▼ 14.1%
Current assets
€1.42M▲ 15.6%
Equity and liabilities €1.47M
Equity
€1.12M▲ 8.7%
Debt
€343k▲ 37.3%
The debt ratio rises from 19.5% to 23.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€331k▲
2024 · €303k
Cash flow
€245k▲
2024 · €227k
Solvency
76.6%▼
2024 · 80.5%
Current ratio
4.16▼
2024 · 4.91
Quick ratio
4.16▼
2024 · 4.91
Debt / equity
0.31▲
2024 · 0.24
ROE
20.1%▲
2024 · 19.9%
ROA
15.4%▼
2024 · 16.0%
Interest coverage
53.59▼
2024 · 54.01
Debt
€343k▲
2024 · €250k
Debt ≤ 1 year
€340k▲
2024 · €250k
Income taxes
€83k▲
2024 · €71k
Staff costs
€936k▲
2024 · €747k
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€1.28M€1.47M▲
Fixed assets21/28€57k€49k▼
Tangible fixed assets22/27€49k€41k▼
Furniture and vehicles24€33k€24k▼
Other tangible fixed assets26€16k€17k▲
Financial fixed assets28€8k€8k=
Current assets29/58€1.23M€1.42M▲
Amounts receivable within one year40/41€204k€570k▲
Trade receivables40€201k€570k▲
Other amounts receivable41€3k€199▼
Cash at bank and in hand54/58€1.01M€836k▼
Deferred charges and accrued income490/1€14k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.47M▲
Equity10/15€1.03M€1.12M▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€1.01M€1.10M▲
Amounts payable17/49€250k€343k▲
Amounts payable within one year42/48€250k€340k▲
Financial debts43€36k€36k▼
Credit institutions430/8€36k€36k▼
Trade debts44€15k€31k▲
Suppliers440/4€15k€31k▲
Taxes, remuneration and social security45€175k€202k▲
Taxes450/3€92k€103k▲
Remuneration and social security454/9€82k€99k▲
Other amounts payable47/48€23k€71k▲
Accrued charges and deferred income492/3€322€3k▲
Income statement
Code20242025
Non-recurring operating income76A€6k-
Remuneration, social security and pensions62€747k€936k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€20k▼
Other operating charges640/8€8k€8k▼
Non-recurring operating charges66A-€762
Gross operating margin9900€1.06M€1.28M▲
Operating profit (loss)9901€281k€311k▲
Financial income75/76B€419€3k▲
Recurring financial income75€419€3k▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€276k€309k▲
Income taxes67/77€71k€83k▲
Profit (loss) for the period9904€205k€225k▲
Profit (loss) for the period to be appropriated9905€205k€225k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.08M€1.24M▲
Profit (loss) brought forward from the previous period14P€872k€1.01M▲
Profit to be distributed694/7€65k€135k▲
Return on contributions (dividend)694€65k€135k▲
Social balance
Average headcount (FTE)908714.216.5▲
The notes to these accounts (9 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 · abbreviated schema · 28 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Equity above €1MEq €1.03M ▲15.7%
7 profitable years in a row build equity to €1.03M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €265k ▲206%
Operating result €361k, net result €265k, both a record.
31-12
Financial
Equity above €500kEq €750k ▲54.7%
5 profitable years in a row build equity to €750k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €306k ▲68.8%
2 profitable years in a row build equity to €306k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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 2015
Ground area
1,739 m²
Building footprint
483 m²
Volume, LiDAR
5,525 m³
Parcel 11808H1207/00T007, Flanders · tallest building 30.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Swhite
since 20152.239.331.508
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1207/00T007 | Flanders | 1,739 m² | 1 · 483 m² | 30.3 m · 5 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 13,584 EUR awarded · 13,495 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 89 EUR | 0 EUR |
| 2023 | 1 | 4,040 EUR | 4,040 EUR |
| 2022 | 1 | 9,455 EUR | 9,455 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 3,833 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-2015
Fiscal year end31-12
Trade name NL
Flux en 3DConfig
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.