Zwalmbeekhoeve
ActiveSummary
Zwalmbeekhoeve has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €1k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 89% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+4
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 5.84 against 3.94 in 2024; short-term debt: 11% and cash: 52.7% of total assets), and 16.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
83.3%
Return on assets
1.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 8 filingsDeviation from the deadline
2025
18 d late
2024
19 d late
2023
19 d late
2022
17 d late
2021
3 d early
2020
2 d early
2019
10 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
€52k▲ 2.2%
2024 · €51k
2018: €19k
2019: €24k
2020: €45k
2021: €51k
2022: €48k
2023: €51k
2024: €51k
2018 → 2025
Total assets
€62k▼ 6.6%
2024 · €67k
2018: €26k
2019: €39k
2020: €56k
2021: €78k
2022: €80k
2023: €67k
2024: €67k
2018 → 2025
Net result
€1k
2024 · €-740
2018: €-663
2019: €5k
2020: €21k
2021: €7k
2022: €-3k
2023: €3k
2024: €-740
2018 → 2025
Working capital
€33k▲ 18.9%
2024 · €28k
2018: €5k
2019: €1k
2020: €18k
2021: €13k
2022: €18k
2023: €23k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€48k▼ 5.9%€51k▲ 6.7%€51k▼ 1.4%€52k▲ 2.2%
Operating result€7k-€-3k€5k€161▼ 96.4%€3k▲ 1,555%
Net result€7k-€-3k€3k€-740€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,555% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€22k ▼ 24.0%
Current assets
€40k ▲ 7.1%
Equity and liabilities €62k
Equity
€52k ▲ 2.2%
Debt
€10k ▼ 34.4%
Debt's share of the balance-sheet total falls from 23.8% to 16.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €9k
Cash flow
€8k▲
2024 · €8k
Current ratio
5.84▲
2024 · 3.94
Quick ratio
5.18▲
2024 · 3.42
Debt to equity
0.20▼
2024 · 0.31
ROE
2.1%▲
2024 · -1.5%
ROA
1.8%▲
2024 · -1.1%
Interest coverage
31.74▲
2024 · 28.06
Debt ≤ 1 year
€7k▼
2024 · €9k
Debt > 1 year
€4k▼
2024 · €6k
Income taxes
€1k▲
2024 · €586
Staff costs
€400▲
2024 · €387
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€67k€62k▼
Fixed assets21/28€29k€22k▼
Tangible fixed assets22/27€29k€22k▼
Land and buildings22€24k€19k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€51€0▼
Current assets29/58€37k€40k▲
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€5k€3k▼
Trade receivables40€3k€3k▼
Other amounts receivable41€2k€164▼
Cash at bank and in hand54/58€28k€33k▲
Equity and liabilities
Total equity and liabilities10/49€67k€62k▼
Equity10/15€51k€52k▲
Contributions10/11€20k€20k=
Reserves13€29k€29k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€16k€10k▼
Amounts payable after more than one year17€6k€4k▼
Financial debts170/4€6k€4k▼
Amounts payable within one year42/48€9k€7k▼
Current portion of amounts payable after more than one year42€3k€3k=
Trade debts44€4k€511▼
Suppliers440/4€4k€511▼
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€965€1k▲
Remuneration and social security454/9€2k€2k=
Income statement
Code20242025
Remuneration, social security and pensions62€387€400▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Other operating charges640/8€393€144▼
Gross operating margin9900€10k€10k▲
Operating profit (loss)9901€161€3k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€315€306▼
Recurring financial charges65€315€306▼
Profit (loss) for the period before taxes9903€-154€2k▲
Income taxes67/77€586€1k▲
Profit (loss) for the period9904€-740€1k▲
Profit (loss) for the period to be appropriated9905€-740€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€3k▲
Profit (loss) brought forward from the previous period14P€2k€2k▼
The notes to these accounts (5 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.89
Current ratio from 1.91 to 4.89; short-term debt falls from €19k to €6k.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Weakest financial yearnet €-3k ▼145%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €21k ▲336%
Operating result €25k, net result €21k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.66
Current ratio from 1.09 to 2.66; short-term debt falls from €15k to €11k.
Show earlier events
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Zwalm · 1 establishment unit since 2017
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.
Wafelstraat(SML) 489630 ZwalmGround area
8,074 m²
Building footprint
716 m²
Volume, LiDAR
3,009 m³
Parcel 45049B0086/00R000, Flanders · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Wafelstraat(SML) 48, 9630 Zwalm
since 20172.269.337.863
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45049B0086/00R000 | Flanders | 8,074 m² | 1 · 716 m² | 5.7 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZwalm2.269.337.863
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Of 3,043 companies in sector 47221 we hold annual accounts for 1,564. 1,323 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
Founded28-09-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47221Retail sale of meat and meat products, excluding game and poultry
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.