SWOT - CONSULT
ActiveSummary
SWOT - CONSULT has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.0m and a net result of €55,367. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 3392 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Certified accountants and tax accountants
NACE 69201Legal and accounting activities NACE 69202NACE 74121
#6 oldest company in Diepenbeek, Professional and technical services sector1 site
How big
€1.4mtotal assets 2025
- Equity
- €1.0m
- Profit
- €55,367
Turnover not published (abridged schema)
Who decides
- Holdings
- 1
Accounts 8 d early0 of 4 deeds read
Why 81+ Lower-failure-rate sector+ Long track record+ Annual accounts: healthy financial profileLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability68▲+21
Solvency99▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80,000 at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.71 in 2024; short-term debt: 25% and cash: 9.7% of total assets), and 26% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
74%
Return on assets
4%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
15 d early
2023
8 d early
2022
17 d early
2021
23 d early
2020
25 d early
2019
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 16 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- General meeting · Director resignationOther statement · Director discharge
- General meeting · Director reappointmentDirector resignation · Director discharge
Financials
Fiscal year 2025Total assets €1.4mProfit €55,367Solvency 74.0%Liquidity 0.83
Total assets
€1.4m▼ 6.9%
2018 - 2025
Net result
€55,367▲ 74.7%
2018 - 2025
Equity
€1.0m▲ 5.7%
2018 - 2025
Solvency
74.0%▲ 8.8pp
2018 - 2025
Financials · fiscal year 2025, abbreviated schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€0.04m▲ 83.1%€0.09m▲ 114%€0.08m▼ 10.8%€0.08m▲ 1.2%€0.1m▲ 27.1%
Net result€0.02mbelow the sector's middle half▼ 84.2%€0.06mwithin the sector's middle half▲ 236%€0.08mwithin the sector's middle half▲ 43.7%€0.03mwithin the sector's middle half▼ 60.1%€0.06mwithin the sector's middle half▲ 74.7%
Equity€0.8mwithin the sector's middle half▲ 2.0%€0.9mwithin the sector's middle half▲ 6.8%€0.9mwithin the sector's middle half▲ 9.2%€1.0mabove the sector's middle half▲ 3.4%€1.0mabove the sector's middle half▲ 5.7%
Total assets€1.4mwithin the sector's middle half▼ 0.3%€1.4mwithin the sector's middle half▼ 3.1%€1.5mwithin the sector's middle half▲ 4.6%€1.5mwithin the sector's middle half▲ 1.6%€1.4mwithin the sector's middle half▼ 6.9%
Debt€0.6m▼ 3.0%€0.5m▼ 15.4%€0.5m▼ 2.8%€0.5m▼ 1.7%€0.4m▼ 30.5%
Working capital-€0.2mbelow the sector's middle half▼ 34.7%-€0.4mbelow the sector's middle half▼ 78.9%-€0.2mbelow the sector's middle half▲ 47.2%-€0.1mbelow the sector's middle half▲ 30.8%-€0.06mbelow the sector's middle half▲ 59.5%
Solvency55.7%within the sector's middle half▲ 1.2pp61.3%within the sector's middle half▲ 5.6pp64.1%within the sector's middle half▲ 2.7pp65.2%within the sector's middle half▲ 1.2pp74.0%above the sector's middle half▲ 8.8pp
Current ratio0.54below the sector's middle half▼ 0.120.24below the sector's middle half▼ 0.310.58below the sector's middle half▲ 0.350.71below the sector's middle half▲ 0.120.83below the sector's middle half▲ 0.12
Return on assets (ROA)1.1%below the sector's middle half▼ 6.0pp3.9%within the sector's middle half▲ 2.8pp5.4%within the sector's middle half▲ 1.5pp2.1%below the sector's middle half▼ 3.3pp4.0%within the sector's middle half▲ 1.9pp
Staff (FTE)0below the sector's middle half0below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.1m ▼ 2.9%
Current assets
€286,364 ▼ 19.6%
Equity and liabilities €1.4m
Equity
€1.0m ▲ 5.7%
Debt
€359,027 ▼ 30.5%
Debt's share of the balance-sheet total falls from 34.8% to 26.0%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
EBITDA
€141,462▲
2024 · €120,434
Cash flow
€89,340▲
2024 · €67,583
Debt to equity
0.35▼
2024 · 0.53
ROE
5.4%▲
2024 · 3.3%
Interest coverage
5.36▲
2024 · 3.09
Debt ≤ 1 year
€346,093▼
2024 · €503,662
Income taxes
€28,726▲
2024 · €19,535
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,732 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,789 | €20,335 | €37,322 | €35,892 | €33,973 | ▼ 5.3% |
| Other operating charges640/8 | €10,252 | €9,777 | €11,531 | €12,187 | €11,738 | ▼ 3.7% |
| Gross operating margin9900 | €72,781 | €123,765 | €132,366 | €132,621 | €153,200 | ▲ 15.5% |
| Operating profit (loss)9901 | €43,740 | €93,653 | €83,513 | €84,542 | €107,489 | ▲ 27.1% |
| Financial income75/76B | €3,000 | €3,000 | €40,583 | €5,607 | €3,011 | ▼ 46.3% |
| Recurring financial income75 | €3,000 | €3,000 | €3,000 | €5,607 | €3,011 | ▼ 46.3% |
| Non-recurring financial income76B | - | - | €37,583 | €0 | - | - |
| Financial charges65/66B | €20,865 | €20,578 | €28,813 | €38,923 | €26,407 | ▼ 32.2% |
| Recurring financial charges65 | €20,865 | €20,578 | €28,813 | €38,923 | €26,407 | ▼ 32.2% |
| Profit (loss) for the period before taxes9903 | €25,875 | €76,075 | €95,283 | €51,226 | €84,092 | ▲ 64.2% |
| Income taxes67/77 | €9,435 | €20,859 | €15,953 | €19,535 | €28,726 | ▲ 47.0% |
| Profit (loss) for the period9904 | €16,440 | €55,217 | €79,330 | €31,691 | €55,367 | ▲ 74.7% |
| Transfer from tax-exempt reserves789 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €16,440 | €55,217 | €79,330 | €31,691 | €55,367 | ▲ 74.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.4m | €1.5m | €1.5m | €1.4m | ▼ 6.9% |
| Fixed assets21/28 | €1.2m | €1.3m | €1.2m | €1.1m | €1.1m | ▼ 2.9% |
| Tangible fixed assets22/27 | €0.8m | €0.9m | €0.9m | €0.8m | €0.8m | ▼ 4.1% |
| Land and buildings22 | €0.8m | €0.8m | €0.8m | €0.8m | €0.7m | ▼ 2.5% |
| Plant, machinery and equipment23 | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | ▼ 4.1% |
| Furniture and vehicles24 | €0 | €0.07m | €0.06m | €0.04m | €0.03m | ▼ 33.7% |
| Financial fixed assets28 | €0.4m | €0.4m | €0.3m | €0.3m | €0.3m | ▲ 0.5% |
| Current assets29/58 | €0.3m | €0.1m | €0.3m | €0.4m | €0.3m | ▼ 19.6% |
| Amounts receivable within one year40/41 | €0.08m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 34.7% |
| Trade receivables40 | €0.03m | €0.04m | €0.04m | €0.04m | €0.06m | ▲ 60.4% |
| Other amounts receivable41 | €0.06m | €0.06m | €0.06m | €0.06m | €0.07m | ▲ 17.4% |
| Current investments50/53 | - | - | - | €0.2m | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €0.2m | €0.01m | €0.2m | €0.09m | €0.1m | ▲ 51.9% |
| Deferred charges and accrued income490/1 | €0.01m | €0.02m | €0.02m | €0.02m | €0.02m | ▼ 0.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.4m | €1.5m | €1.5m | €1.4m | ▼ 6.9% |
| Equity10/15 | €0.8m | €0.9m | €0.9m | €1.0m | €1.0m | ▲ 5.7% |
| Contributions10/11 | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | = |
| Reserves13 | €0.5m | €0.5m | €0.6m | €0.7m | €0.7m | ▲ 8.5% |
| Non-distributable reserves130/1 | €0.02m | €0.02m | €0.02m | €0 | - | - |
| Reserves not available under the articles1311 | €0.02m | €0.02m | €0.02m | €0 | - | - |
| Distributable reserves133 | €0.5m | €0.5m | €0.6m | €0.7m | €0.7m | ▲ 8.5% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | - | - | - |
| Amounts payable17/49 | €0.6m | €0.5m | €0.5m | €0.5m | €0.4m | ▼ 30.5% |
| Amounts payable after more than one year17 | €0.1m | €0 | - | - | - | - |
| Financial debts170/4 | €0.1m | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €0.5m | €0.5m | €0.5m | €0.5m | €0.3m | ▼ 31.3% |
| Current portion of amounts payable after more than one year42 | €0.01m | €0 | - | - | - | - |
| Trade debts44 | €0.01m | €0.007m | €0.001m | €0.003m | €0.001m | ▼ 56.6% |
| Suppliers440/4 | €0.01m | €0.007m | €0.001m | €0.003m | €0.001m | ▼ 56.6% |
| Taxes, remuneration and social security45 | €0.007m | €0.01m | €0.01m | €0.01m | €0.01m | ▼ 9.0% |
| Taxes450/3 | €0.007m | €0.01m | €0.01m | €0.01m | €0.01m | ▼ 9.0% |
| Other amounts payable47/48 | €0.5m | €0.5m | €0.5m | €0.5m | €0.3m | ▼ 31.7% |
| Accrued charges and deferred income492/3 | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,440 | €55,217 | €79,330 | €31,691 | €55,367 | ▲ 74.7% |
| + Depreciation and write-downs630 | €18,789 | €20,335 | €37,322 | €35,892 | €33,973 | ▼ 5.3% |
| Operating cash flow (approximation) | €35,229 | €75,552 | €116,652 | €67,583 | €89,340 | ▲ 32.2% |
| Investment in fixed assets (approximation) | - | -€118,997 | €73,464 | -€1,919 | -€1,409 | ▲ 26.6% |
| Change in cash | - | -€156,965 | €170,614 | -€94,729 | €45,641 | ▲ 148% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Similar companies · same sector, comparable size
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D.D.P.
BE 0477.919.196
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FISCAAL ACCOUNTANTS LAMBRICHTS
BE 0870.206.301
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Of 12,173 companies in this sector we hold annual accounts for 7,643. 4,396 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
1 holding
Directors
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
24.96%
According to the 2025 annual accounts of SWOT - CONSULT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
The board mandates are listed below; here you explore them as a network.
This company
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Director
Shareholding
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Board mandates elsewhere
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Timeline
14 eventsLatest 23-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
07-07
State Gazette act
General meeting · Director resignation
Other statement · Director discharge
07-07
State Gazette act
General meeting · Director reappointment
Director resignation · Director discharge
2025
31-12
Financial
Equity above €1mEq €1.0m ▲5.7%
8 profitable years in a row build equity to €1.0m.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €104,003 ▲615%
Net result €104,003, the highest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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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Company details
Private limited company · founded 02-07-1992Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded02-07-1992
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0447829402
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Diepenbeek · 1 establishment unit since 1999
Ground area
2,946 m²
Building footprint
182 m²
Volume, LiDAR
506 m³
Parcel 71403H0052/00D000, Flanders · tallest building 9.8 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Pampertstraat 30, 3590 Diepenbeek
since 1999unit no. 2.258.560.965
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71403H0052/00D000 | Flanders | 2,945 m² | 1 · 182 m² | 9.8 m |
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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