Financials
- Fiscal year
- 2025
- Total assets
- €3,040
- Loss
- -€900
- Solvency
- 69.1%
SWYP
ActiveSummary
SWYP has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2,100 and a net result of -€900. Its solvency ranks better than 72% of 12348 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Activity
Agents in non-specialised wholesale trade
NACE 46190
1 site
Size
€3,040total assets 2025
- Equity
- €2,100
- Loss
- -€900
Turnover not published (abridged schema)
Structure
Accounts filed 31 d late0 of 1 deed read
Why 71- Founded in 2025- Latest accounts 31 days late; 1 of the last 3 late+ Liquidity: current ratio 49.85, cash €2,192+ Equity €2,100 (69.1% of total assets)Show the evidence
Checked score
Score 2025
71
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 70% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
94
equity 69.1% of total assets
Liquidity
100
short-term debt 2.0% · cash 72.1%
Profitability
50
return on assets -29.6%
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 14 months
08-2026: 1.6%highest value
09-2026: 0.6%▼ -61.0% vs 08-2026lowest value
10-2026: 0.6%● 0.0% vs 09-2026lowest value
- Liquidity: current ratio 49.85, cash €2,192 lowers the probability
- Founded in 2025 raises the probability for this profile
- Latest accounts 31 days late; 1 of the last 3 late raises the probability
- Equity €2,100 (69.1% of total assets) lowers the probability
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 74%, liquidity 98%, profitability 39%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○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 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 31-08-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Agents in non-specialised wholesale tradeNACE 46190
- Founded
- 15-07-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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