Summary
SWYKA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €263k and a net result of €72k. Equity is growing by ~44.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 8048 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 3 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
23 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date Which other companies resemble this one?Lookalike companies
Financials · fiscal year 2025, micro schema
Equity
€263k▲ 37.6%
2024 · €191k
Net result
€72k▼ 27.2%
2024 · €99k
Total assets
€340k▲ 18.0%
2024 · €288k
Solvency
77.5%▲ 11.0pp
2024 · 66.5%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€125k-€141k▲ 13.1%€87k▼ 38.3%
Net result€89k-€99k▲ 11.5%€72k▼ 27.2%
Equity€93k-€191k▲ 107%€263k▲ 37.6%
Total assets€161k-€288k▲ 78.8%€340k▲ 18.0%
Debt€68k-€97k▲ 41.0%€77k▼ 20.8%
Working capital€95k-€129k▲ 35.6%€215k▲ 66.5%
Solvency57.5%-66.5%▲ 9.0pp77.5%▲ 11.0pp
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 2025; 2025 is 38% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €340k
Fixed assets
€49k ▼ 21.5%
Current assets
€291k ▲ 29.0%
Equity and liabilities €340k
Equity
€263k ▲ 37.6%
Debt
€77k ▼ 20.8%
Debt's share of the balance-sheet total falls from 33.5% to 22.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
27.3%▼
2024 · 51.6%
ROA
21.2%▼
2024 · 34.3%
Debt ≤ 1 year
€76k▼
2024 · €96k
Income taxes
€19k▼
2024 · €42k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €5k | €13k | ▲ 179% |
| Other operating charges640/8 | €965 | €339 | €400 | ▲ 17.9% |
| Gross operating margin9900 | €126k | €146k | €101k | ▼ 31.0% |
| Operating profit (loss)9901 | €125k | €141k | €87k | ▼ 38.3% |
| Financial income75/76B | - | €134 | €4k | ▲ 2,881% |
| Recurring financial income75 | - | €134 | €4k | ▲ 2,881% |
| Financial charges65/66B | €32 | €125 | €446 | ▲ 257% |
| Recurring financial charges65 | €32 | €125 | €446 | ▲ 257% |
| Profit (loss) for the period before taxes9903 | €125k | €141k | €91k | ▼ 35.8% |
| Income taxes67/77 | €36k | €42k | €19k | ▼ 55.8% |
| Profit (loss) for the period9904 | €89k | €99k | €72k | ▼ 27.2% |
| Profit (loss) for the period to be appropriated9905 | €89k | €99k | €72k | ▼ 27.2% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €161k | €288k | €340k | ▲ 18.0% |
| Fixed assets21/28 | - | €62k | €49k | ▼ 21.5% |
| Tangible fixed assets22/27 | - | €62k | €49k | ▼ 21.5% |
| Furniture and vehicles24 | - | €62k | €49k | ▼ 21.5% |
| Current assets29/58 | €161k | €226k | €291k | ▲ 29.0% |
| Amounts receivable after more than one year29 | - | €48k | €145k | ▲ 202% |
| Other amounts receivable291 | - | €48k | €145k | ▲ 202% |
| Amounts receivable within one year40/41 | €105k | €110k | €78k | ▼ 29.3% |
| Trade receivables40 | €105k | €77k | €16k | ▼ 78.9% |
| Other amounts receivable41 | €194 | €33k | €62k | ▲ 85.3% |
| Current investments50/53 | - | €17k | €25k | ▲ 43.7% |
| Cash at bank and in hand54/58 | €56k | €48k | €40k | ▼ 15.0% |
| Deferred charges and accrued income490/1 | - | €2k | €2k | ▼ 0.8% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €161k | €288k | €340k | ▲ 18.0% |
| Equity10/15 | €93k | €191k | €263k | ▲ 37.6% |
| Contributions10/11 | €4k | €4k | €4k | = |
| Reserves13 | €89k | €187k | €259k | ▲ 38.4% |
| Distributable reserves133 | €89k | €187k | €259k | ▲ 38.4% |
| Amounts payable17/49 | €68k | €97k | €77k | ▼ 20.8% |
| Amounts payable within one year42/48 | €66k | €96k | €76k | ▼ 21.4% |
| Trade debts44 | €4k | €4k | €3k | ▼ 23.2% |
| Suppliers440/4 | €4k | €4k | €3k | ▼ 23.2% |
| Taxes, remuneration and social security45 | €60k | €93k | €73k | ▼ 21.4% |
| Taxes450/3 | €51k | €91k | €71k | ▼ 21.7% |
| Remuneration and social security454/9 | €9k | €2k | €2k | = |
| Other amounts payable47/48 | €2k | €0 | - | - |
| Accrued charges and deferred income492/3 | €3k | €300 | €890 | ▲ 197% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €89k | €99k | €72k | ▼ 27.2% |
| + Depreciation and write-downs630 | - | €5k | €13k | ▲ 179% |
| Operating cash flow (approximation) | €89k | €104k | €85k | ▼ 17.6% |
| Investment in fixed assets (approximation) | - | - | €0 | - |
| Change in cash | - | €-8k | €-7k | ▲ 13.6% |
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
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €72k ▼27.2%
Net result drops to €72k, the lowest in the series.
31-12
Financial
Equity above €200kEq €263k ▲37.6%
3 profitable years in a row build equity to €263k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2023net €99k ▲11.5%
Operating result €141k, net result €99k, both a record.
31-12
Financial
Equity above €150kEq €191k ▲107%
2 profitable years in a row build equity to €191k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Zoutleeuw · 1 establishment unit since 2023
Ground area
1,251 m²
Building footprint
212 m²
Volume, LiDAR
912 m³
Parcel 24130C0045/00K000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SWYKA
since 20232.350.796.681
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24130C0045/00K000 | Flanders | 1,251 m² | 1 · 212 m² | 6.6 m · 1 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 24,730 companies in sector 64210 we hold annual accounts for 19,772. 13,693 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
Founded07-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
64999Other financial services
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
Scores and ratios are computed by Checked and are not a credit decision.