SWIBEL
ActiveSummary
The computed 12-month bankruptcy probability of SWIBEL is 1.8% (moderate). The 2024 annual accounts show equity of €28k and a net result of €16k. Its solvency ranks better than 60% of 9517 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency87▲+31
Growth78
Track record94
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.56 against 1.47 in 2023; short-term debt: 37.9% and cash: 32% of total assets), and 38.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 →
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
61.7%
Return on assets
35.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
18 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€28k▲ 139%
2023 · €12k
2023: €12k
2023 → 2024
Total assets
€45k▲ 21.7%
2023 · €37k
2023: €37k
2023 → 2024
Net result
€16k▲ 39.4%
2023 · €12k
2023: €12k
2023 → 2024
Working capital
€27k▲ 126%
2023 · €12k
2023: €12k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€12k-€28k▲ 139%
Operating result€17k-€24k▲ 41.2%
Net result€12k-€16k▲ 39.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 41% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €45k
Fixed assets
€1k
Current assets
€44k
Equity and liabilities €45k
Equity
€28k ▲ 139%
Debt
€17k ▼ 32.0%
Debt's share of the balance-sheet total falls from 68.6% to 38.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k
Cash flow
€17k
Current ratio
2.56▲
2023 · 1.47
Debt to equity
0.62▼
2023 · 2.19
ROE
58.2%▼
2023 · 100.0%
ROA
35.9%▲
2023 · 31.4%
Interest coverage
12.37
Debt ≤ 1 year
€17k▼
2023 · €25k
Income taxes
€6k▲
2023 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 35 lines
Balance sheet
Code20232024
Assets
Total assets20/58€37k€45k▲
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Current assets29/58€37k€44k▲
Amounts receivable within one year40/41€23k€29k▲
Trade receivables40€23k€16k▼
Other amounts receivable41€2€13k▲
Current investments50/53€13k-
Cash at bank and in hand54/58-€14k
Deferred charges and accrued income490/1€1k€64▼
Equity and liabilities
Total equity and liabilities10/49€37k€45k▲
Equity10/15€12k€28k▲
Contributions10/11-€1
Profit (loss) carried forward14€12k€28k▲
Amounts payable17/49€25k€17k▼
Amounts payable within one year42/48€25k€17k▼
Trade debts44€14k€2k▼
Suppliers440/4€14k€2k▼
Taxes, remuneration and social security45€11k€15k▲
Taxes450/3€11k€15k▲
Remuneration and social security454/9€0-
Accrued charges and deferred income492/3€169€186▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€416
Other operating charges640/8€5k€2k▼
Gross operating margin9900€22k€27k▲
Operating profit (loss)9901€17k€24k▲
Financial charges65/66B€2k€2k=
Recurring financial charges65€2k€2k=
Profit (loss) for the period before taxes9903€15k€22k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€12k€16k▲
Profit (loss) for the period to be appropriated9905€12k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€28k▲
Profit (loss) brought forward from the previous period14P-€12k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-07
State Gazette act
General meeting · Director discharge
Director appointment · Director resignation
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 18 days late
State Gazette actNBB filing
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, Ukkel · 1 establishment unit since 2022
Ground area
172 m²
Building footprint
87 m²
Volume, LiDAR
661 m³
Parcel 21616G0308/00H000, Brussels · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
SWIBEL
since 20222.339.288.820
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0308/00H000 | Brussels | 172 m² | 1 · 87 m² | 12.0 m · 3 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.
Similar companies · same sector, comparable size
FORTES
BE 0455.905.542
Aartselaar · Eq €27,763
VIS-Vicky-Independent Society
BE 0763.638.537
Huy · Eq €27,720
JALIA
BE 1020.238.971
Elsene · Eq €27,858
Mebert
BE 0739.850.969
Antwerpen · Eq €27,866
LEPER
BE 0748.667.378
Roosdaal · Eq €27,692
Of 11,218 companies in sector 82100 we hold annual accounts for 3,511. 2,390 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
82100Office administrative and support services
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.