SWOFYT
ActiveSummary
SWOFYT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-16k) and a net result of €-371. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▲+30
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.44 against 0.58 in 2024; short-term debt: 186.1% and cash: 0% of total assets), and equity is negative.
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-86.1%
Return on assets
-2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-16k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
42 d late
2024
59 d late
2023
28 d early
2022
185 d late
2021
78 d late
2020
60 d late
2019
28 d late
← 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, micro schema
Equity
€-16k▼ 2.4%
2024 · €-16k
2018: €-1k
2019: €2k
2020: €9k
2021: €27k
2022: €30k
2023: €-1k
2024: €-16k
2018 → 2025
Total assets
€19k▼ 42.4%
2024 · €32k
2018: €36k
2019: €33k
2020: €46k
2021: €57k
2022: €53k
2023: €41k
2024: €32k
2018 → 2025
Net result
€-371▲ 97.4%
2024 · €-14k
2018: €5k
2019: €3k
2020: €7k
2021: €18k
2022: €5k
2023: €-11k
2024: €-14k
2018 → 2025
Working capital
€-19k▲ 3.0%
2024 · €-20k
2018: €-15k
2019: €-6k
2020: €2k
2021: €20k
2022: €25k
2023: €-6k
2024: €-20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€30k▲ 11.9%€-1k€-16k▼ 1,283%€-16k▼ 2.4%
Operating result€30k-€13k▼ 56.8%€-6k€-12k▼ 97.0%€869
Net result€18k-€5k▼ 71.4%€-11k€-14k▼ 37.8%€-371▲ 97.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €869 after a loss of €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€3k ▼ 23.0%
Current assets
€15k ▼ 45.3%
Key figures and ratios
EBITDA
€2k▲
2024 · €-11k
Cash flow
€603▲
2024 · €-13k
Solvency
-86.1%▼
2024 · -48.5%
Current ratio
0.44▼
2024 · 0.58
Quick ratio
0.27▲
2024 · 0.19
Debt to equity
-2.16▲
2024 · -3.06
ROA
-2.0%▲
2024 · -45.0%
Interest coverage
1.66▲
2024 · -10.34
Debt
€35k▼
2024 · €48k
Debt ≤ 1 year
€35k▼
2024 · €48k
Income taxes
€130▼
2024 · €936
Staff costs
€4k▼
2024 · €18k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€19k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€828€422▼
Current assets29/58€28k€15k▼
Stocks and contracts in progress3€19k€6k▼
Stocks30/36€19k€6k▼
Amounts receivable within one year40/41€6k€9k▲
Other amounts receivable41€6k€9k▲
Cash at bank and in hand54/58€3k€0▼
Deferred charges and accrued income490/1€39€465▲
Equity and liabilities
Total equity and liabilities10/49€32k€19k▼
Equity10/15€-16k€-16k▼
Profit (loss) carried forward14€-16k€-16k▼
Amounts payable17/49€48k€35k▼
Amounts payable within one year42/48€48k€35k▼
Financial debts43€5k€5k▲
Credit institutions430/8€5k€5k▲
Trade debts44€30k€6k▼
Suppliers440/4€30k€6k▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€2k€2k=
Remuneration and social security454/9€1k€20▼
Other amounts payable47/48€10k€21k▲
Income statement
Code20242025
Remuneration, social security and pensions62€18k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€974▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€9k€7k▼
Operating profit (loss)9901€-12k€869▲
Financial income75/76B€0€3▲
Recurring financial income75€0€3▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€-14k€-241▲
Income taxes67/77€936€130▼
Profit (loss) for the period9904€-14k€-371▲
Profit (loss) for the period to be appropriated9905€-14k€-371▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-16k▼
Profit (loss) brought forward from the previous period14P€-1k€-16k▼
The notes to these accounts (6 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 185 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Highest result since 2018net €18k ▲169%
Operating result €30k, net result €18k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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-Gillis-Waas · 1 establishment unit since 2008
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.
Turfbankenstraat(MD) 69170 Sint-Gillis-WaasGround area
1,611 m²
Building footprint
247 m²
Volume, LiDAR
1,059 m³
Parcel 46015B0427/00K000, Flanders · tallest building 8.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Swofyt bvba
since 20082.170.658.278
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46015B0427/00K000 | Flanders | 1,610 m² | 1 · 247 m² | 8.3 m · 1 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.
Similar companies · same sector, comparable size
SHOP & SERVICES
BE 0666.749.393
Namur · Eq €29,993
A&F QSG
BE 1002.204.790
Kraainem · Eq €29,711
FORKOT
BE 0776.681.077
Elsene · Eq €29,525
ANAA
BE 0761.524.333
Evere · Eq €29,515
OIL PLUS LILLO
BE 0736.754.095
Houthalen-Helchteren · Eq €29,419
Of 1,266 companies in sector 47300 we hold annual accounts for 945. 615 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.