SWLR
ActiveSummary
SWLR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of SWLR were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €487,562 and a net result of €13,731. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 34% of 9872 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
Filing: Filed more than 90 days late
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Signals
1 signal. The signal on the left, the evidence on the right.
+raises risk
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-01-2026, 174 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
174 d late
2023
169 d late
2022
121 d late
2021
127 d late
2020
275 d late
2019
101 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 161 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€487,562▲ 2.9%
2023 · €473,831
Net result
€13,731▼ 18.3%
2023 · €16,803
Total assets
€1.4m▼ 5.1%
2023 · €1.4m
Solvency
36.1%▲ 2.8pp
2023 · 33.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€29,858▼ 74.0%€78,618▲ 163%€20,394▼ 74.1%€34,475▲ 69.0%€31,072▼ 9.9%
Net result€14,366within the sector's middle half▼ 81.3%€80,078above the sector's middle half▲ 457%€5,880within the sector's middle half▼ 92.7%€16,803within the sector's middle half▲ 186%€13,731within the sector's middle half▼ 18.3%
Equity€219,070within the sector's middle half▲ 7.0%€451,148above the sector's middle half▲ 106%€457,028above the sector's middle half▲ 1.3%€473,831above the sector's middle half▲ 3.7%€487,562above the sector's middle half▲ 2.9%
Total assets€917,869above the sector's middle half▲ 25.6%€1.2mabove the sector's middle half▲ 27.8%€1.5mabove the sector's middle half▲ 28.7%€1.4mabove the sector's middle half▼ 5.8%€1.4mabove the sector's middle half▼ 5.1%
Debt€698,798▲ 32.8%€722,108▲ 3.3%€1.1m▲ 45.8%€948,677▼ 9.9%€862,680▼ 9.1%
Working capital€54,038within the sector's middle half▼ 50.4%€31,595within the sector's middle half▼ 41.5%-€61,900below the sector's middle half-€69,250below the sector's middle half▼ 11.9%-€77,957below the sector's middle half▼ 12.6%
Solvency23.9%within the sector's middle half▼ 4.1pp38.5%within the sector's middle half▲ 14.6pp30.3%within the sector's middle half▼ 8.2pp33.3%within the sector's middle half▲ 3.0pp36.1%within the sector's middle half▲ 2.8pp
Current ratio1.30within the sector's middle half▼ 1.241.13within the sector's middle half▼ 0.170.86within the sector's middle half▼ 0.270.82within the sector's middle half▼ 0.040.77within the sector's middle half▼ 0.04
Return on assets (ROA)1.6%within the sector's middle half▼ 8.9pp6.8%within the sector's middle half▲ 5.3pp0.4%below the sector's middle half▼ 6.4pp1.2%within the sector's middle half▲ 0.8pp1.0%below the sector's middle half▼ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 10% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.1m ▼ 2.5%
Current assets
€263,784 ▼ 14.5%
Equity and liabilities €1.4m
Equity
€487,562 ▲ 2.9%
Debt
€862,680 ▼ 9.1%
Debt's share of the balance-sheet total falls from 66.7% to 63.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.8%▼
2023 · 3.5%
Debt ≤ 1 year
€341,742▼
2023 · €377,801
Debt > 1 year
€520,938▼
2023 · €570,875
Income taxes
€8,350▲
2023 · €5,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €150,000 | €8,000 | - | €1,600 | - |
| Remuneration, social security and pensions62 | €312 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,551 | €17,717 | €26,833 | €26,192 | €25,764 | ▼ 1.6% |
| Other operating charges640/8 | €12,866 | €1,216 | €1,299 | €2,532 | €12,967 | ▲ 412% |
| Gross operating margin9900 | €61,587 | €97,551 | €48,527 | €63,199 | €69,803 | ▲ 10.5% |
| Operating profit (loss)9901 | €29,858 | €78,618 | €20,394 | €34,475 | €31,072 | ▼ 9.9% |
| Financial income75/76B | - | €9,000 | €8 | - | €5,067 | - |
| Recurring financial income75 | - | €9,000 | €8 | - | €5,067 | - |
| Financial charges65/66B | €7,993 | €7,541 | €11,722 | €12,672 | €14,058 | ▲ 10.9% |
| Recurring financial charges65 | €7,993 | €7,541 | €11,722 | €12,672 | €14,058 | ▲ 10.9% |
| Profit (loss) for the period before taxes9903 | €21,866 | €80,078 | €8,680 | €21,803 | €22,081 | ▲ 1.3% |
| Income taxes67/77 | €7,500 | - | €2,800 | €5,000 | €8,350 | ▲ 67.0% |
| Profit (loss) for the period9904 | €14,366 | €80,078 | €5,880 | €16,803 | €13,731 | ▼ 18.3% |
| Profit (loss) for the period to be appropriated9905 | €14,366 | €80,078 | €5,880 | €16,803 | €13,731 | ▼ 18.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €917,869 | €1.2m | €1.5m | €1.4m | €1.4m | ▼ 5.1% |
| Fixed assets21/28 | €682,610 | €898,128 | €1.1m | €1.1m | €1.1m | ▼ 2.5% |
| Tangible fixed assets22/27 | €682,610 | €893,128 | €1.1m | €1.1m | €1.1m | ▼ 2.5% |
| Land and buildings22 | €680,300 | €891,503 | €1.1m | €1.1m | €1.1m | ▼ 2.3% |
| Plant, machinery and equipment23 | - | - | - | €1,734 | - | - |
| Furniture and vehicles24 | €2,310 | €1,625 | €941 | €256 | - | - |
| Financial fixed assets28 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Current assets29/58 | €235,259 | €275,128 | €371,327 | €308,551 | €263,784 | ▼ 14.5% |
| Amounts receivable within one year40/41 | €109,023 | €259,002 | €180,907 | €191,850 | €192,875 | ▲ 0.5% |
| Trade receivables40 | €9,336 | €204,023 | €133,113 | €46,943 | €31,750 | ▼ 32.4% |
| Other amounts receivable41 | €99,687 | €54,978 | €47,794 | €144,907 | €161,125 | ▲ 11.2% |
| Cash at bank and in hand54/58 | €126,236 | €16,127 | €190,420 | €116,702 | €70,910 | ▼ 39.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €917,869 | €1.2m | €1.5m | €1.4m | €1.4m | ▼ 5.1% |
| Equity10/15 | €219,070 | €451,148 | €457,028 | €473,831 | €487,562 | ▲ 2.9% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Outside capital11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Other1109/19 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Revaluation surpluses12 | - | €152,000 | €152,000 | €152,000 | €152,000 | = |
| Reserves13 | €191,860 | €191,860 | €191,860 | €191,860 | €205,360 | ▲ 7.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €190,000 | €190,000 | €190,000 | €190,000 | €203,500 | ▲ 7.1% |
| Profit (loss) carried forward14 | €14,810 | €94,888 | €100,768 | €117,571 | €117,802 | ▲ 0.2% |
| Amounts payable17/49 | €698,798 | €722,108 | €1.1m | €948,677 | €862,680 | ▼ 9.1% |
| Amounts payable after more than one year17 | €517,577 | €478,575 | €619,487 | €570,875 | €520,938 | ▼ 8.7% |
| Financial debts170/4 | €517,577 | €478,575 | €619,487 | €570,875 | €520,938 | ▼ 8.7% |
| Amounts payable within one year42/48 | €181,221 | €243,533 | €433,227 | €377,801 | €341,742 | ▼ 9.5% |
| Current portion of amounts payable after more than one year42 | €37,272 | €38,705 | €48,556 | €48,593 | €49,937 | ▲ 2.8% |
| Trade debts44 | €446 | €1,563 | €16,024 | €14,690 | €30,463 | ▲ 107% |
| Suppliers440/4 | €446 | €1,563 | €16,024 | €14,690 | €30,463 | ▲ 107% |
| Taxes, remuneration and social security45 | €44,000 | €9,626 | €6,162 | €6,690 | €21,320 | ▲ 219% |
| Taxes450/3 | €44,000 | €9,626 | €6,162 | €6,690 | €21,320 | ▲ 219% |
| Other amounts payable47/48 | €99,503 | €193,639 | €362,485 | €307,828 | €240,022 | ▼ 22.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,366 | €80,078 | €5,880 | €16,803 | €13,731 | ▼ 18.3% |
| + Depreciation and write-downs630 | €18,551 | €17,717 | €26,833 | €26,192 | €25,764 | ▼ 1.6% |
| Operating cash flow (approximation) | €32,917 | €97,795 | €32,714 | €42,995 | €39,496 | ▼ 8.1% |
| Investment in fixed assets (approximation) | - | -€233,235 | -€267,120 | -€1,734 | €1,734 | ▲ 200% |
| Change in cash | - | -€110,110 | €174,294 | -€73,719 | -€45,792 | ▲ 37.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 174 days late
2025
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 169 days late
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 121 days late
2022
31-12
Financial
Weakest financial yearnet €5,880 ▼92.7%
Net result drops to €5,880, the lowest in the series; recovery starts the following year.
05-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 127 days late
02-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 275 days late
2021
31-12
Financial
Highest result since 2018net €80,078 ▲457%
Net result €80,078, the highest in the series.
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Equity above €200,000Eq €204,705 ▲60%
2 profitable years in a row build equity to €204,705.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Kalmthout · 1 establishment unit since 2016
Ground area
718 m²
Building footprint
141 m²
Volume, LiDAR
870 m³
Parcel 11022G0648/00F002, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SWLR
since 20162.259.181.963
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0648/00F002 | Flanders | 718 m² | 1 · 141 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,624 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-11-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0666455722
Also
9925:BE0666455722
Registered
23-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.