SWING-VEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €20k and a net result of €843k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 5% of 2377 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-12-2025, 120 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
120 d early
2024
97 d early
2023
126 d early
2022
123 d early
2021
68 d early
2020
21 d early
2019
132 d early
← 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
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€20k▼ 99.1%
2024 · €2.26M
2018: €1.75M
2019: €2.07M
2020: €2.52M
2021: €2.93M
2022: €3.02M
2023: €2.50M
2024: €2.26M
2018 → 2025
Net result
€843k▲ 41.0%
2024 · €598k
2018: €348k
2019: €418k
2020: €507k
2021: €611k
2022: €375k
2023: €574k
2024: €598k
2018 → 2025
Total assets
€3.81M▼ 0.1%
2024 · €3.81M
2018: €4.69M
2019: €4.59M
2020: €4.74M
2021: €4.57M
2022: €4.31M
2023: €3.96M
2024: €3.81M
2018 → 2025
Solvency
0.5%▼ 58.6pp
2024 · 59.1%
2018: 37.3%
2019: 45.2%
2020: 53.1%
2021: 64.1%
2022: 70.2%
2023: 63.0%
2024: 59.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.93M-€3.02M▲ 3.3%€2.50M▼ 17.4%€2.26M▼ 9.7%€20k▼ 99.1%
Operating result€854k-€536k▼ 37.3%€799k▲ 49.3%€828k▲ 3.6%€984k▲ 18.8%
Net result€611k-€375k▼ 38.6%€574k▲ 53.0%€598k▲ 4.1%€843k▲ 41.0%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.81M
Fixed assets
€3.52M▼ 0.5%
Current assets
€292k▲ 4.2%
Equity and liabilities €3.81M
Equity
€20k▼ 99.1%
Debt
€3.79M▲ 143%
The debt ratio rises from 40.9% to 99.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
0.5%▼
2024 · 59.1%
ROA
22.1%▲
2024 · 15.7%
Debt
€3.79M▲
2024 · €1.56M
Debt ≤ 1 year
€3.09M▲
2024 · €858k
Debt > 1 year
€700k=
2024 · €700k
Income taxes
€242k▲
2024 · €204k
A ratio outside any meaningful range has been withheld (balance sheet total €3.81M, equity €20k).
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€3.81M€3.81M▼
Fixed assets21/28€3.53M€3.52M▼
Tangible fixed assets22/27€58k€41k▼
Furniture and vehicles24€53k€37k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€3.48M€3.48M=
Current assets29/58€280k€292k▲
Amounts receivable within one year40/41€2k€6k▲
Other amounts receivable41€2k€6k▲
Current investments50/53€200k-
Cash at bank and in hand54/58€71k€279k▲
Deferred charges and accrued income490/1€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€3.81M€3.81M▼
Equity10/15€2.26M€20k▼
Contributions10/11€20k€20k=
Reserves13€131k-
Distributable reserves133€131k-
Profit (loss) carried forward14€2.10M-
Amounts payable17/49€1.56M€3.79M▲
Amounts payable after more than one year17€700k€700k=
Financial debts170/4€700k€700k=
Amounts payable within one year42/48€858k€3.09M▲
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Other amounts payable47/48€849k€3.08M▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€20k▲
Other operating charges640/8€960€968▲
Non-recurring operating charges66A-€258
Gross operating margin9900€847k€1.00M▲
Operating profit (loss)9901€828k€984k▲
Financial income75/76B€2k€130k▲
Recurring financial income75€2k€130k▲
Financial charges65/66B€28k€28k▼
Recurring financial charges65€28k€28k▼
Profit (loss) for the period before taxes9903€802k€1.09M▲
Income taxes67/77€204k€242k▲
Profit (loss) for the period9904€598k€843k▲
Profit (loss) for the period to be appropriated9905€598k€843k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.94M€2.95M▲
Profit (loss) brought forward from the previous period14P€2.35M€2.10M▼
Transfer from equity791/2-€131k
Profit to be distributed694/7€840k€3.08M▲
Return on contributions (dividend)694€840k€3.08M▲
The notes to these accounts (11 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
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-09
Financial
Highest result since 2018net €843k ▲41%
Operating result €984k, net result €843k, both a record.
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
26-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
09-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
30-09
Financial
Equity above €2MEq €2.07M ▲18.8%
2 profitable years in a row build equity to €2.07M.
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2013
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.
J.F. Debeckerlaan 1301200 Sint-Lambrechts-Woluwe1 establishment unit
SWING-VEST
since 20132.221.380.964
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 7,462 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2013
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filings
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.