Equity
€1.5m ▲ 18.3%
SWIFT SKILLS has made a profit without a break since 2013.
SWIFT SKILLS
Lifetime
17 annual accounts with figures on one time axis, 19 filings since 2005peak €2.6m (2025)
€2.6m▲ 28.4%
lowest -€1,291 (2011)
€1.4m▲ 36.5%
peak €1.5m (2025)
€1.5m▲ 18.3%
€2.3m▲ 65.7%
peak 9.8 FTE (2025)
9.8 FTE▲ 104%
Board6 names since 2014
2 directorsBFF and 1 other
Owners4 names in the annual accounts
100%SwS Partners
Documentsfilings and deeds
23-07-20268 days before the deadline
2025abbreviated format
Gross margin from €2.0m to €2.6mResult from €1.1m to €1.4mStaff from 4.8 FTE to 9.8 FTE2 directors appointed, 2 resignations 26-11Equity from €1.3m to €1.5mDebts from €1.4m to €2.3m
Key points
from the 2025 annual accountsDebts
€2.3m ▲ 65.7%
Debts rose by €897,851 in 2025.
Investments
€854,681 2.0 × depreciation
Green is investment, beige is depreciation. Machinery stands 100.2% higher than in 2024.
Staff
9.8 FTE ▲ 104%
More staff in 2025 from 4.8 FTE to 9.8 FTE.
At the same address
396 companies
Board
1 joined · 2 left
Board changed. Latest change 02-05-2026 · 1 in office.
Checked score
87
Excellent
Financially stronger than 54% of micro companies in education (NACE 85)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 3,825 companies (NACE 85, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025lowest value
10-2025: 0.1%● unchanged vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025lowest value
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026lowest value
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.2 percentage points vs 07-2026highest value
09-2026: 0.3%● unchanged vs 08-2026highest value
10-2026: 0.3%● unchanged vs 09-2026highest value
11-2026: 0.3%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 1.10, cash €72,025, halved
lowers risk
Figures for financial year 2025 (filed on 23-07-2026)
Profit of €1.4m (financial year 2025)
Founded in 2004
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro). It does better than 46% of them on solvency, 11% on liquidity, 90% on profitability and 70% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as SWIFT SKILLS has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SWIFT SKILLS itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for SWIFT SKILLS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €130,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.1 (1.3 in 2024), below the usual 1.5. Short-term debt is 59.4% and cash 1.9% of total assets. 59.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 days early
2024
142 days early
2023
12 days early
2022
3 days early
2021
89 days late
2020
31 days late
2019
34 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 2 days before the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 July (4 of the last 5 accounts filed within 97 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- SwS Partners 100%score 68equity €4.6m (2025) · 2025 annual accounts of SwS Partners
- SOKO 15%score 93equity €1.0m (2025) · 2023 annual accounts of SOKO
- BFF 2%score 96equity €148,115 (2025) · 2023 annual accounts of BFF
Shares in 2 companies, Rogers Inc. and AU SQUARE
Board & ownershipRecent changes
1 director appointed, 2 resignations
Appointment: SwS Partners · Permanent representative: Vincent Vandeputte · Resignations: BFF (managing director) and Timo (managing director) · General meeting of 01-05-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0864079067
2 directors appointed, 2 resignations
Resignations: Christian Boehme and Dooms Consultancy BV (managing director) · Permanent representatives: Bart Dooms, Bert Van Raemdonck and Vincent Vandeputte · Appointments: BFF BV (managing director) and Timo NV (managing director) · General meeting of 12-11-2025 · Gazette deed
2 directors appointed
Change of role: Timo NV, from sole director to day-to-day manager · Permanent representatives: Kristel Cornelissen, Vincent Vandeputte and Bart Dooms · Appointments: DOOMS Consultancy (day-to-day manager) and Christian Boehme · General meeting of 04-09-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SWIFT SKILLS Ixelles | €3.8m | €2.6m | 40.5% | 9.8 |
| GLOBAL UNIVERSITY FOR ENVIRONMENT AND SAFETY TRAINING Villers-la-Ville | €2.9m | €1.2m | 19.2% | 10.8 |
| Creax Kortrijk | €3.2m | €1.4m | -11.8% | 13.4 |
| SCHOOL WIZNITZ Antwerp | €4.0m | €1.0m | 77.1% | 14.2 |
| POORTERSHUYZE Damme | €2.6m | €1.6m | 18.6% | 17.3 |
| INSTITUUT VOOR PERMANENTE STUDIE VOOR APOTHEKERS Brussels | €2.5m | €0.7m | 93.3% | 5.5 |
| DATALINE SOLUTIONS Zedelgem | €2.1m | €1.1m | 64.2% | 9.2 |
These companies have the same main activity as SWIFT SKILLS: other education (NACE 85599). They are comparable in size and age: total assets between €2.1m and €4m, founded between 1997 and 2009.
Official details
Source: KBO- Status
- Active since 08-03-2004Normal situation
- Registered office
- 397 active companies are registered at this address30 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Other educationNACE 85599and 4 others
- Joint committee
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment units
- 2.136.457.5631050 Ixelles, since 30-03-2004
- 2.356.316.4762600 Antwerp, since 01-01-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 17-02-2026
Annual accounts 2025
- ≈ €4.5mestimated
- €3.8m▲ 42.6%
- Employeeson 31-12-2025
- 17▲ 143%
- Filing
- Filed on 23-07-2026, 8 days before the end of the filing period
Insights on SWIFT SKILLS
SWIFT SKILLS files the abbreviated format. That format states no turnover. The gross margin rose from €3,053 in 2008 to €2.6m in 2025.
SwS Partners holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SWIFT SKILLS
- What is the company number of SWIFT SKILLS?
- The company number of SWIFT SKILLS is 0864.079.067. The VAT number is the same number with BE in front: BE 0864.079.067.
- Where is SWIFT SKILLS based?
- The registered office is at Marsveldplein 5, 1050 Ixelles.Company details
- What does SWIFT SKILLS do?
- According to the KBO register, the main activity is other education (NACE 85599).
- What is the legal form of SWIFT SKILLS?
- SWIFT SKILLS is a private limited company (BV).
- When was SWIFT SKILLS founded?
- SWIFT SKILLS was founded on 08-03-2004.
- Is SWIFT SKILLS still active?
- Yes, SWIFT SKILLS is an active enterprise in the KBO register.
- How many employees does SWIFT SKILLS have?
- SWIFT SKILLS had an average of 9.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does SWIFT SKILLS fall under?
- In its 2025 annual accounts, SWIFT SKILLS states joint committee 200 (Auxiliary committee for white-collar workers).
- What is the turnover of SWIFT SKILLS?
- The turnover in financial year 2025 is ≈ €4.5m. This figure is estimated from the gross margin of €2.6m and 1,585 comparable companies of the same size. It probably lies between €3.0m and €7.4m. It is a rough estimate.
- Is SWIFT SKILLS profitable?
- In financial year 2025, SWIFT SKILLS made a profit of €1.4m.
- Where can I find the annual accounts of SWIFT SKILLS?
- SWIFT SKILLS filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SWIFT SKILLS due?
- SWIFT SKILLS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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