Zwembad.Shop
ActiveThe computed 12-month bankruptcy probability of Zwembad.Shop is 3.9% (moderate). The 2025 annual accounts show negative equity (€-98k) and a net result of €97k. Equity is shrinking by ~45.5% per year across the filed fiscal years. Its solvency ranks better than 9% of 18016 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
16
/ 100
Critical▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency35▲+2
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.56 against 0.27 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-113.1%
Return on assets
111.9%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 18016 sector peers (2025).
NBB · sector comparisonPosition among 18016 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
20 d late
2024
21 d early
2023
8 d early
2022
40 d early
2021
34 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-98k▲ 49.7%
2024 · €-196k
2021: €3k
2022: €-57k
2023: €-93k
2024: €-196k
2021 → 2025
Total assets
€87k▲ 53.4%
2024 · €57k
2021: €121k
2022: €340k
2023: €365k
2024: €57k
2021 → 2025
Net result
€97k
2024 · €-102k
2021: €1k
2022: €-60k
2023: €-37k
2024: €-102k
2021 → 2025
Working capital
€-66k▲ 53.4%
2024 · €-141k
2021: €10k
2022: €30k
2023: €-35k
2024: €-141k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€-57k€-93k▼ 65.1%€-196k▼ 109%€-98k▲ 49.7%
Operating result€7k-€-50k€-11k▲ 77.5%€-86k▼ 674%€116k
Net result€1k-€-60k€-37k▲ 38.1%€-102k▼ 177%€97k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €116k after a loss of €86k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €87k
Fixed assets
€2k▼ 40.7%
Current assets
€84k▲ 60.8%
Key figures and ratios
EBITDA
€117k▲
2024 · €-84k
Cash flow
€99k▲
2024 · €-99k
Solvency
-113.1%▲
2024 · -345.2%
Current ratio
0.56▲
2024 · 0.27
Quick ratio
0.56▲
2024 · 0.27
Debt / equity
-1.88▼
2024 · -1.29
ROE
-98.9%▼
2024 · 52.2%
ROA
111.9%▲
2024 · -180.3%
Interest coverage
6.12▲
2024 · -5.15
Debt
€185k▼
2024 · €252k
Debt ≤ 1 year
€150k▼
2024 · €194k
Debt > 1 year
€35k▼
2024 · €59k
Income taxes
€173
Staff costs
€0▼
2024 · €236
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€57k€87k▲
Fixed assets21/28€4k€2k▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€2k€887▼
Plant, machinery and equipment23€383€0▼
Furniture and vehicles24€2k€887▼
Other tangible fixed assets26€0-
Financial fixed assets28€0-
Current assets29/58€53k€84k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€38k€14k▼
Trade receivables40€25k€1k▼
Other amounts receivable41€13k€12k▼
Cash at bank and in hand54/58€11k€62k▲
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€57k€87k▲
Equity10/15€-196k€-98k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-197k€-100k▲
Amounts payable17/49€252k€185k▼
Amounts payable after more than one year17€59k€35k▼
Financial debts170/4€59k€35k▼
Amounts payable within one year42/48€194k€150k▼
Current portion of amounts payable after more than one year42€21k€23k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€165k€127k▼
Suppliers440/4€165k€127k▼
Advances received on contracts in progress46€3k€0▼
Taxes, remuneration and social security45€4k€65▼
Taxes450/3€4k€65▼
Remuneration and social security454/9€0-
Other amounts payable47/48€264€264=
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Remuneration, social security and pensions62€236€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€6k€321▼
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€-76k€118k▲
Operating profit (loss)9901€-86k€116k▲
Financial income75/76B€625€880▲
Recurring financial income75€625€880▲
Financial charges65/66B€16k€19k▲
Recurring financial charges65€16k€19k▲
Profit (loss) for the period before taxes9903€-102k€97k▲
Income taxes67/77-€173
Profit (loss) for the period9904€-102k€97k▲
Profit (loss) for the period to be appropriated9905€-102k€97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-197k€-100k▲
Profit (loss) brought forward from the previous period14P€-95k€-197k▼
The notes to these accounts (9 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Back to profitnet €97k
Net result €97k after 3 loss-making years.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-102k
Net result drops to €-102k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Elsene · 1 establishment unit since 2021
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.
Louizalaan 3671050 ElseneGround area
266 m²
Building footprint
265 m²
Volume, LiDAR
3,746 m³
Parcel 21807G0211/00W012, Brussels · tallest building 34.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Zwembad.Shop Piscine.shop Wellness.shop
since 20212.324.785.736
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0211/00W012 | Brussels | 266 m² | 1 · 265 m² | 34.0 m · 5 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.
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Of 12,964 companies in sector 47120 we hold annual accounts for 2,176. 778 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2020
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Intermediation services for non-specialised retail
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.zwembad.shop
E-mail:info@zwembad.shop