SWIM - FUN
ActiveSWIM - FUN has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €209k and a net result of €2k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability5▼-5
Solvency24▲+5
Growth52=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity short (current ratio 0.47 against 0.47 in 2024), and 75.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
24.1%
Return on assets
0.2%
Age of the figures
8 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
49 d early
2023
58 d early
2022
47 d early
2021
22 d late
2020
27 d late
2019
31 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€209k▲ 1.0%
2024 · €207k
2018: €51k
2019: €79k
2020: €121k
2021: €178k
2022: €202k
2023: €203k
2024: €207k
2018 → 2025
Total assets
€869k▼ 8.1%
2024 · €946k
2018: €196k
2019: €271k
2020: €628k
2021: €967k
2022: €966k
2023: €931k
2024: €946k
2018 → 2025
Net result
€2k▼ 48.8%
2024 · €4k
2018: €31k
2019: €28k
2020: €42k
2021: €57k
2022: €24k
2023: €648
2024: €4k
2018 → 2025
Working capital
€-188k▲ 11.7%
2024 · €-213k
2018: €49k
2019: €63k
2020: €285
2021: €-40k
2022: €-122k
2023: €-208k
2024: €-213k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€178k-€202k▲ 13.6%€203k▲ 0.3%€207k▲ 2.1%€209k▲ 1.0%
Operating result€66k-€34k▼ 48.0%€12k▼ 66.0%€15k▲ 30.3%€13k▼ 14.9%
Net result€57k-€24k▼ 57.3%€648▼ 97.3%€4k▲ 542%€2k▼ 48.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €869k
Fixed assets
€700k▼ 7.8%
Current assets
€170k▼ 9.0%
Equity and liabilities €869k
Equity
€209k▲ 1.0%
Debt
€660k▼ 10.6%
The debt ratio falls from 78.1% to 75.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€79k▲
2024 · €78k
Cash flow
€68k▲
2024 · €67k
Solvency
24.1%▲
2024 · 21.9%
Current ratio
0.47▲
2024 · 0.47
Quick ratio
0.20▼
2024 · 0.35
Debt / equity
3.16▼
2024 · 3.57
ROE
1.0%▼
2024 · 2.0%
ROA
0.2%▼
2024 · 0.4%
Interest coverage
9.20▼
2024 · 11.20
Debt
€660k▼
2024 · €739k
Debt ≤ 1 year
€357k▼
2024 · €399k
Debt > 1 year
€303k▼
2024 · €339k
Income taxes
€5k▼
2024 · €5k
Staff costs
€218k▲
2024 · €177k
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€946k€869k▼
Fixed assets21/28€759k€700k▼
Intangible fixed assets21€437-
Tangible fixed assets22/27€759k€700k▼
Land and buildings22€651k€632k▼
Plant, machinery and equipment23€22k€17k▼
Furniture and vehicles24€76k€50k▼
Leasing and similar rights25€9k-
Other tangible fixed assets26€998€600▼
Current assets29/58€187k€170k▼
Stocks and contracts in progress3€49k€98k▲
Stocks30/36€49k€64k▲
Contracts in progress37-€34k
Amounts receivable within one year40/41€70k€45k▼
Trade receivables40€69k€43k▼
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€57k€26k▼
Deferred charges and accrued income490/1€11k-
Equity and liabilities
Total equity and liabilities10/49€946k€869k▼
Equity10/15€207k€209k▲
Contributions10/11€10k€10k=
Reserves13€197k€199k▲
Distributable reserves133€197k€199k▲
Amounts payable17/49€739k€660k▼
Amounts payable after more than one year17€339k€303k▼
Financial debts170/4€339k€303k▼
Amounts payable within one year42/48€399k€357k▼
Current portion of amounts payable after more than one year42€59k€37k▼
Trade debts44€86k€55k▼
Suppliers440/4€86k€55k▼
Taxes, remuneration and social security45€14k€28k▲
Taxes450/3€8k€14k▲
Remuneration and social security454/9€6k€14k▲
Other amounts payable47/48€240k€238k▼
Income statement
Code20242025
Non-recurring operating income76A€826-
Remuneration, social security and pensions62€177k€218k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€66k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€9k€8k▼
Gross operating margin9900€264k€305k▲
Operating profit (loss)9901€15k€13k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€7k€9k▲
Recurring financial charges65€7k€9k▲
Profit (loss) for the period before taxes9903€9k€7k▼
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€4k€2k▼
Profit (loss) for the period to be appropriated9905€4k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€2k▼
Transfer to equity691/2€4k€2k▼
To other reserves6921€4k€2k▼
Social balance
Average headcount (FTE)90873.43.4=
The notes to these accounts (13 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €648 ▼97.3%
Net result drops to €648, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €202k ▲13.6%
5 profitable years in a row build equity to €202k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
2021
31-12
Financial
Highest result since 2018net €57k ▲33.6%
Operating result €66k, net result €57k, both a record.
31-12
Financial
Equity above €150kEq €178k ▲46.7%
4 profitable years in a row build equity to €178k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Equity above €100kEq €121k ▲53.8%
3 profitable years in a row build equity to €121k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Deerlijk · 1 establishment unit since 2007
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.
De Spijker 108540 DeerlijkGround area
2,199 m²
Building footprint
545 m²
Volume, LiDAR
1,441 m³
Parcel 34009B1290/00A000, Flanders · tallest building 14.1 m. Linked by address, not a title deed.
1 establishment unit
Snoepgoed
since 20072.165.976.247
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34009B1290/00A000 | Flanders | 2,199 m² | 1 · 545 m² | 14.1 m |
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
2023 · 1 entry · 195 EUR awarded · 195 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 195 EUR | 195 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 15,434 companies in sector 43990 we hold annual accounts for 7,355. 5,742 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2007
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
47639Retail sale of other sporting goods
47640Retail trade
52482
46360Wholesale trade
46442Wholesale trade
47120Other non-specialised retail sale
47910Retail trade
52740
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.