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SWYGRO

Active
Private limited companyfounded 1992active for 34 yearsOssenwegstraat 23, 3440 Zoutleeuw, BelgiumKBO/BCE: BE 0448.274.315
Summary

SWYGRO has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186,056 and a net result of -€10,717. Equity has been stable since 2018 (±2.3% per year). Its solvency ranks better than 43% of 39,272 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 18-09-1992 Normal situation
Activity
Business and other management consultancy NACE 70200
Establishment unit
2.059.267.537 3440 Zoutleeuw, since 12-06-1998
Financial year end
31 December
Peppol
Reachable since 10-12-2025

Board and ownership

Board
Shareholders
  • Diane Degrosannual accounts 2021
  • Guido Swijsenannual accounts 2021

Financial position

87 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€63,843
▲ 7.4%
Turnover
≈ €130,000
estimated
Loss
€10,717
▼ 46.2%
Equity
€186,056
▼ 5.4%
Total assets
€389,783
▼ 16.3%
Score breakdownraises riskLiquidity: current ratio 1.29, cash €196, halvedlowers riskFounded in 1992Size: total assets €389,783Sector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 35% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Strong
Solvency 73+6
equity 47.7% of total assets
Liquidity 50+3
short-term debt 4.8% · cash 0.1%
Profitability 65+2
return on assets -2.7%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,531 companies, NACE 70, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.2%▲ +0.1 percentage points vs 05-2026highest value 07-2026: 0.2%● unchanged vs 06-2026highest value 08-2026: 0.2%● unchanged vs 07-2026highest value 09-2026: 0.2%● unchanged vs 08-2026highest value 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.29 (0.34 in 2024), below the usual 1.5. Short-term debt is 4.8% and cash 0.1% of total assets. 52.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 44% of them on solvency, 35% on liquidity, 29% on profitability and 32% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 1.29, cash €196, halved
NBB · annual accounts
lowers risk · Founded in 1992
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Size: total assets €389,783
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€10,717
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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
71 days early
2024
59 days early
2023
13 days early
2022
56 days early
2021
54 days early
2020
53 days early
2019
32 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 48 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: 4 loss-making years in a rowloss in financial year 2025 -€10,717 View
  • Caution: Lower net result than 90% of companies in head offices and management consultancysector median €27,192 · 39,288 companies -€10,717 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

Recent changes

  1. · Gazette deed Amendment of the articles · Legal-form change · Resignations & appointmentsResignations: SWIJSEN Guido François (director) and DEGROS Diana Mathilde Marie Josée (director) · Appointments: SWIJSEN Guido François (director) and DEGROS Diana Mathilde Marie Josée (director)
  2. · Gazette deed Incorporation
All 17 events

Comparable companies

These companies have the same main activity as SWYGRO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €361,000 and €467,000, founded between 1990 and 1994.

CompanyTotal assetsGross margin
SWYGRO Zoutleeuw€389,783€63,843
DM - TURBO Grimbergen€389,201€68,609
CITRABEL Keerbergen€391,346€77,057
Visual Identity Management Keerbergen€466,640€57,713
SMEVAN Bree€389,542€60,854
SALLEVER Puurs-Sint-Amands€368,616€65,416
KAPPA MANAGEMENT Aalst€361,250€62,602
Full comparison

Key facts about SWYGRO

What is the company number of SWYGRO?
The company number of SWYGRO is 0448.274.315. The VAT number is the same number with BE in front: BE 0448.274.315.
Where is SWYGRO based?
The registered office is at Ossenwegstraat 23, 3440 Zoutleeuw.Company details
What does SWYGRO do?
According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of SWYGRO?
The legal form of SWYGRO is Private limited company (BV).
When was SWYGRO founded?
SWYGRO was founded on 18-09-1992.
Is SWYGRO still active?
Yes, SWYGRO is an active enterprise in the KBO register.
What is the turnover of SWYGRO?
The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €63,843 and 119 comparable companies (NACE 70200). It probably lies between €98,000 and €170,000.Financials
Is SWYGRO profitable?
In financial year 2025, SWYGRO made a loss of €10,717.
Where can I find the annual accounts of SWYGRO?
SWYGRO filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SWYGRO due?
SWYGRO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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