SWI Consulting
ActiveSWI Consulting has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €189k and a net result of €77k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 1897 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency94▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 6.05 in 2024; short-term debt: 30.8% and cash: 38.5% of total assets), and 30.8% 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+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 63
Relative position
BE, all sectors
reference
Sector 63
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
69.2%
Return on assets
28.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-02-2026, 62 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
62 d early
2024
15 d early
2023
32 d early
2022
41 d early
2021
3 d early
2020
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€189k▲ 16.9%
2024 · €161k
2020: €79k
2021: €139k
2022: €208k
2023: €289k
2024: €161k
2020 → 2025
Total assets
€272k▲ 48.6%
2024 · €183k
2020: €211k
2021: €170k
2022: €226k
2023: €307k
2024: €183k
2020 → 2025
Net result
€77k▼ 16.4%
2024 · €92k
2020: €60k
2021: €60k
2022: €69k
2023: €81k
2024: €92k
2020 → 2025
Working capital
€148k▲ 36.3%
2024 · €108k
2020: €85k
2021: €58k
2022: €128k
2023: €222k
2024: €108k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€208k▲ 49.6%€289k▲ 38.8%€161k▼ 44.2%€189k▲ 16.9%
Operating result€77k-€88k▲ 15.0%€102k▲ 16.2%€118k▲ 15.0%€96k▼ 18.5%
Net result€60k-€69k▲ 14.7%€81k▲ 17.1%€92k▲ 14.2%€77k▼ 16.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €272k
Fixed assets
€41k▼ 23.6%
Current assets
€232k▲ 78.3%
Equity and liabilities €272k
Equity
€189k▲ 16.9%
Debt
€84k▲ 283%
The debt ratio rises from 11.9% to 30.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€108k▼
2024 · €131k
Cash flow
€90k▼
2024 · €106k
Solvency
69.2%▼
2024 · 88.1%
Current ratio
2.76▼
2024 · 6.05
Quick ratio
2.76▼
2024 · 6.05
Debt / equity
0.44▲
2024 · 0.14
ROE
40.9%▼
2024 · 57.2%
ROA
28.3%▼
2024 · 50.4%
Interest coverage
2356.55▼
2024 · 3123.24
Debt
€84k▲
2024 · €22k
Debt ≤ 1 year
€84k▲
2024 · €21k
Income taxes
€20k▼
2024 · €25k
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€183k€272k▲
Fixed assets21/28€53k€41k▼
Tangible fixed assets22/27€53k€41k▼
Furniture and vehicles24€0-
Leasing and similar rights25€53k€41k▼
Financial fixed assets28€100€100=
Current assets29/58€130k€232k▲
Amounts receivable within one year40/41€17k€19k▲
Trade receivables40€17k€19k▲
Other amounts receivable41-€190
Current investments50/53€100k€100k=
Cash at bank and in hand54/58€12k€105k▲
Deferred charges and accrued income490/1€763€7k▲
Equity and liabilities
Total equity and liabilities10/49€183k€272k▲
Equity10/15€161k€189k▲
Contributions10/11€19k€19k=
Reserves13€142k€170k▲
Distributable reserves133€142k€170k▲
Profit (loss) carried forward14€854€64▼
Amounts payable17/49€22k€84k▲
Amounts payable within one year42/48€21k€84k▲
Trade debts44€2k€9k▲
Suppliers440/4€2k€9k▲
Taxes, remuneration and social security45€20k€16k▼
Taxes450/3€12k€9k▼
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48-€59k
Accrued charges and deferred income492/3€421€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€8k€8k▲
Gross operating margin9900€139k€117k▼
Operating profit (loss)9901€118k€96k▼
Financial income75/76B€88€2k▲
Recurring financial income75€88€2k▲
Financial charges65/66B€42€46▲
Recurring financial charges65€42€46▲
Profit (loss) for the period before taxes9903€118k€98k▼
Income taxes67/77€25k€20k▼
Profit (loss) for the period9904€92k€77k▼
Profit (loss) for the period to be appropriated9905€92k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€78k▼
Profit (loss) brought forward from the previous period14P€520€854▲
Transfer from equity791/2€220k€0▼
Transfer to equity691/2€92k€28k▼
To other reserves6921€92k€28k▼
Profit to be distributed694/7€220k€50k▼
Return on contributions (dividend)694€220k€50k▼
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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2020net €92k ▲14.2%
Operating result €118k, net result €92k, both a record.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €200kEq €208k ▲49.6%
3 profitable years in a row build equity to €208k.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €60k ▼0.3%
Net result drops to €60k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €100kEq €139k ▲76.3%
2 profitable years in a row build equity to €139k.
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 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, Nazareth-De Pinte · 1 establishment unit since 2019
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.
Gloxinialaan 189840 Nazareth-De PinteGround area
133 m²
Building footprint
133 m²
Volume, LiDAR
948 m³
Parcel 44012B0675/00D002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SWI Consulting
since 20192.284.614.175
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012B0675/00D002 | Flanders | 133 m² | 1 · 133 m² | 10.3 m · 2 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
2024 to 2025 · 2 entries · 347 EUR awarded · 347 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 227 EUR | 227 EUR |
| 2024 | 1 | 120 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,522. 1,200 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2018
Fiscal year end30-09
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
73200Market research and public opinion polling
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.