Swiss Life BelCo
ActiveSummary
Swiss Life BelCo has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127.33M and a net result of €214k. Equity remains stable across the filed fiscal years (±1.1% per year). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity ample (current ratio 53.05 against 2.17 in 2024; short-term debt: 0% and cash: 0.1% of total assets), and 8.8% 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
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
91.2%
Return on assets
0.2%
Age of the figures
9 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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
43 d early
2023
35 d early
2022
54 d early
2021
58 d early
2020
47 d early
2019
63 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€214k▼ 88.6%
2024 · €1.89M
2018: €-39k
2019: €-18k
2020: €-41k
2021: €-30k
2022: €-3.50M
2023: €1.24M
2024: €1.89M
2018 → 2025
Working capital
€74k▲ 2,327%
2024 · €3k
2018: €77k
2020: €-10k
2021: €117k
2022: €80k
2023: €37k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€127.49M-€123.99M▼ 2.7%€125.23M▲ 1.0%€127.11M▲ 1.5%€127.33M▲ 0.2%
Operating result€-30k-€-46k▼ 56.9%€-51k▼ 10.6%€-33k▲ 35.3%€-30k▲ 9.0%
Net result€-30k-€-3.50M▼ 11,568%€1.24M€1.89M▲ 52.4%€214k▼ 88.6%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2025 against €33k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139.62M
Fixed assets
€139.54M ▲ 0.1%
Current assets
€76k ▲ 1,235%
Equity and liabilities €139.62M
Equity
€127.33M ▲ 0.2%
Debt
€12.29M =
Debt's share of the balance-sheet total stays at 8.8%.
Key figures and ratios
EBITDA
€-28k▲
2024 · €-29k
Cash flow
€217k▼
2024 · €1.89M
Current ratio
53.05▲
2024 · 2.17
Debt to equity
0.10▼
2024 · 0.10
ROE
0.2%▼
2024 · 1.5%
ROA
0.2%▼
2024 · 1.4%
Interest coverage
-80.04▲
2024 · -97.81
Debt ≤ 1 year
€1k▼
2024 · €3k
Debt > 1 year
€12.28M=
2024 · €12.28M
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 · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€139.40M€139.62M▲
Formation expenses20€2k€0▼
Fixed assets21/28€139.40M€139.54M▲
Tangible fixed assets22/27€6.17M€6.17M=
Other tangible fixed assets26€6.17M€6.17M=
Financial fixed assets28€133.23M€133.37M▲
Affiliated companies280/1€133.23M€133.37M▲
Participating interests280€133.23M€133.37M▲
Current assets29/58€6k€76k▲
Cash at bank and in hand54/58€6k€76k▲
Equity and liabilities
Total equity and liabilities10/49€139.40M€139.62M▲
Equity10/15€127.11M€127.33M▲
Contributions10/11€127.62M€127.62M=
Capital10€3.89M€3.89M=
Issued capital100€3.89M€3.89M=
Outside capital11€123.73M€123.73M=
Share premium1100/10€123.73M€123.73M=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Profit (loss) carried forward14€-510k€-296k▲
Amounts payable17/49€12.29M€12.29M=
Amounts payable after more than one year17€12.28M€12.28M=
Financial debts170/4€12.28M€12.28M=
Other loans174€12.28M€12.28M=
Amounts payable within one year42/48€3k€1k▼
Trade debts44€1k€0▼
Suppliers440/4€1k€0▼
Other amounts payable47/48€1k€1k=
Accrued charges and deferred income492/3€8k€7k▼
Income statement
Code20242025
Operating charges60/66A€33k€30k▼
Services and other goods61€28k€27k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€968€998▲
Operating profit (loss)9901€-33k€-30k▲
Financial income75/76B€2.17M€245k▼
Recurring financial income75€2.17M€245k▼
Non-recurring financial income76B€2.17M€245k▼
Financial charges65/66B€245k€346▼
Recurring financial charges65€301€346▲
Other financial charges652/9€301€346▲
Non-recurring financial charges66B€245k€0▼
Profit (loss) for the period before taxes9903€1.89M€214k▼
Profit (loss) for the period9904€1.89M€214k▼
Profit (loss) for the period to be appropriated9905€1.89M€214k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-510k€-296k▲
Profit (loss) brought forward from the previous period14P€-2.40M€-510k▲
The notes to these accounts (18 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
26-08
State Gazette act
Permanent representative: Isabelle COMPERERegistered-office move3 facts ▸
State Gazette act
Permanent representative: Isabelle COMPERE
Registered-office move3 facts ▸
- General meeting, 26-05-2026
- Registered-office move, Rue Royale 52, 1000 Bruxelles
- Permanent representative, Isabelle COMPERE
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity times 24current ratio 53.05
Current ratio from 2.17 to 53.05; short-term debt falls from €3k to €1k.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €1.89M ▲52.4%
Net result €1.89M, the highest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €1.24M
Net result €1.24M after 5 loss-making years.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-3.50M
Net result drops to €-3.50M, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 57.26
Current ratio from 24.22 to 57.26; short-term debt falls from €5k to €1k.
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity times 39current ratio 24.22
Current ratio from 0.62 to 24.22; short-term debt falls from €25k to €5k.
Show earlier events
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100MEq €142.99M ▲101%
Equity rises from €71.10M to €142.99M.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel
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.
Koningsstraat 521000 BrusselGround area
460 m²
Building footprint
487 m²
Volume, LiDAR
10,752 m³
Parcel 21804D1516/00C000, Brussels · tallest building 32.7 m, ±8 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21804D1516/00C000 | Brussels | 460 m² | 1 · 487 m² | 32.6 m · 8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-11-2016
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.