ZWEMI
ActiveSummary
ZWEMI has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130,995 and a net result of -€23,965. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 83% of 31958 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-68
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 1.32 in 2024; short-term debt: 14.5% and cash: 9.1% of total assets), and 14.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€23,965
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
15 d early
2023
29 d late
2022
13 d early
2021
11 d early
2020
12 d late
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
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. Usually files around 18 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€130,995▼ 15.5%
2024 · €154,960
Total assets
€153,196▼ 13.1%
2024 · €176,194
Net result
-€23,965▼ 3,627%
2024 · -€643
Working capital
€238▼ 96.5%
2024 · €6,889
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€13,227-€33,323-€67,711▼ 103%-€569▲ 99.2%-€23,065▼ 3,954%
Net result€13,161within the sector's middle half-€33,392below the sector's middle half-€67,780below the sector's middle half▼ 103%-€643below the sector's middle half▲ 99.1%-€23,965below the sector's middle half▼ 3,627%
Equity€256,775above the sector's middle half▲ 5.4%€223,383within the sector's middle half▼ 13.0%€155,603within the sector's middle half▼ 30.3%€154,960within the sector's middle half▼ 0.4%€130,995within the sector's middle half▼ 15.5%
Total assets€278,301within the sector's middle half▲ 2.6%€250,053within the sector's middle half▼ 10.2%€177,219within the sector's middle half▼ 29.1%€176,194within the sector's middle half▼ 0.6%€153,196within the sector's middle half▼ 13.1%
Debt€21,526▼ 21.8%€26,670▲ 23.9%€21,616▼ 19.0%€21,234▼ 1.8%€22,201▲ 4.6%
Working capital€71,047within the sector's middle half▲ 74.8%€54,897within the sector's middle half▼ 22.7%-€9,810below the sector's middle half€6,889within the sector's middle half€238within the sector's middle half▼ 96.5%
Solvency92.3%above the sector's middle half▲ 2.4pp89.3%above the sector's middle half▼ 2.9pp87.8%above the sector's middle half▼ 1.5pp87.9%above the sector's middle half▲ 0.1pp85.5%above the sector's middle half▼ 2.4pp
Current ratio4.30within the sector's middle half▲ 1.823.06within the sector's middle half▼ 1.240.55below the sector's middle half▼ 2.511.32within the sector's middle half▲ 0.781.01within the sector's middle half▼ 0.31
Return on assets (ROA)4.7%within the sector's middle half▲ 7.3pp-13.4%below the sector's middle half▼ 18.1pp-38.2%below the sector's middle half▼ 24.9pp-0.4%below the sector's middle half▲ 37.9pp-15.6%below the sector's middle half▼ 15.3pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €23,065 in 2025 against €569 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €153,196
Fixed assets
€130,757 ▼ 11.7%
Current assets
€22,439 ▼ 20.2%
Equity and liabilities €153,196
Equity
€130,995 ▼ 15.5%
Debt
€22,201 ▲ 4.6%
Debt's share of the balance-sheet total rises from 12.1% to 14.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€5,751▼
2024 · €16,774
Cash flow
-€6,651▼
2024 · €16,700
Debt to equity
0.17▲
2024 · 0.14
ROE
-18.3%▼
2024 · -0.4%
Interest coverage
-6.39▼
2024 · 226.68
Debt ≤ 1 year
€22,201▲
2024 · €21,234
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,834 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.7%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,834 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,241 | €17,241 | €17,173 | €17,343 | €17,314 | ▼ 0.2% |
| Other operating charges640/8 | €2,019 | €2,058 | €2,254 | €2,343 | €2,520 | ▲ 7.5% |
| Gross operating margin9900 | €32,487 | -€14,024 | -€48,284 | €19,117 | -€3,231 | ▼ 117% |
| Operating profit (loss)9901 | €13,227 | -€33,323 | -€67,711 | -€569 | -€23,065 | ▼ 3,954% |
| Financial charges65/66B | €66 | €69 | €69 | €74 | €901 | ▲ 1,117% |
| Recurring financial charges65 | €66 | €69 | €69 | €74 | €901 | ▲ 1,117% |
| Profit (loss) for the period before taxes9903 | €13,161 | -€33,392 | -€67,780 | -€643 | -€23,965 | ▼ 3,627% |
| Profit (loss) for the period9904 | €13,161 | -€33,392 | -€67,780 | -€643 | -€23,965 | ▼ 3,627% |
| Profit (loss) for the period to be appropriated9905 | €13,161 | -€33,392 | -€67,780 | -€643 | -€23,965 | ▼ 3,627% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €278,301 | €250,053 | €177,219 | €176,194 | €153,196 | ▼ 13.1% |
| Fixed assets21/28 | €185,728 | €168,486 | €165,413 | €148,071 | €130,757 | ▼ 11.7% |
| Tangible fixed assets22/27 | €185,728 | €168,486 | €165,413 | €148,071 | €130,757 | ▼ 11.7% |
| Land and buildings22 | €184,916 | €168,337 | €165,323 | €148,040 | €130,757 | ▼ 11.7% |
| Plant, machinery and equipment23 | €270 | €149 | €90 | €31 | - | - |
| Furniture and vehicles24 | €542 | - | - | - | €0 | - |
| Current assets29/58 | €92,573 | €81,567 | €11,806 | €28,123 | €22,439 | ▼ 20.2% |
| Amounts receivable within one year40/41 | €54,357 | €63,812 | €6,180 | €26,701 | €8,430 | ▼ 68.4% |
| Trade receivables40 | €54,033 | €63,812 | €6,180 | €25,399 | €7,840 | ▼ 69.1% |
| Other amounts receivable41 | €324 | - | - | €1,302 | €590 | ▼ 54.7% |
| Cash at bank and in hand54/58 | €38,216 | €17,755 | €5,626 | €1,422 | €14,009 | ▲ 885% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €278,301 | €250,053 | €177,219 | €176,194 | €153,196 | ▼ 13.1% |
| Equity10/15 | €256,775 | €223,383 | €155,603 | €154,960 | €130,995 | ▼ 15.5% |
| Contributions10/11 | €1.1m | €1.1m | €1.1m | €1.1m | €1.1m | = |
| Profit (loss) carried forward14 | -€871,613 | -€905,005 | -€972,785 | -€973,428 | -€997,393 | ▼ 2.5% |
| Amounts payable17/49 | €21,526 | €26,670 | €21,616 | €21,234 | €22,201 | ▲ 4.6% |
| Amounts payable within one year42/48 | €21,526 | €26,670 | €21,616 | €21,234 | €22,201 | ▲ 4.6% |
| Financial debts43 | €20,663 | €20,663 | €20,663 | €20,663 | €0 | ▼ 100% |
| Other loans439 | €20,663 | €20,663 | €20,663 | €20,663 | €0 | ▼ 100% |
| Trade debts44 | €863 | €3,782 | €470 | €571 | €317 | ▼ 44.5% |
| Suppliers440/4 | €863 | €3,782 | €470 | €571 | €317 | ▼ 44.5% |
| Taxes, remuneration and social security45 | - | €2,225 | €483 | - | €396 | - |
| Taxes450/3 | - | €2,225 | €483 | - | €396 | - |
| Other amounts payable47/48 | - | - | - | - | €21,488 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,161 | -€33,392 | -€67,780 | -€643 | -€23,965 | ▼ 3,627% |
| + Depreciation and write-downs630 | €17,241 | €17,241 | €17,173 | €17,343 | €17,314 | ▼ 0.2% |
| Operating cash flow (approximation) | €30,402 | -€16,151 | -€50,607 | €16,700 | -€6,651 | ▼ 140% |
| Investment in fixed assets (approximation) | - | €1 | -€14,100 | -€1 | €0 | ▲ 145% |
| Change in cash | - | -€20,461 | -€12,129 | -€4,204 | €12,587 | ▲ 399% |
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 1.32
Current ratio from 0.55 to 1.32; short-term debt falls from €21,616 to €21,234.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet -€67,780
Net result drops to -€67,780, the lowest in the series; recovery starts the following year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €13,161
Net result €13,161 after 3 loss-making years.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Equity above €200,000Eq €243,614
Equity rises from -€859,334 to €243,614.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Hamont-Achel · 1 establishment unit since 1994
Ground area
1,617 m²
Building footprint
304 m²
Volume, LiDAR
1,301 m³
Parcel 72001A0574/00L000, Flanders · tallest building 8.8 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ZWEMI BVBA
since 19942.067.115.134
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72001A0574/00L000 | Flanders | 1,617 m² | 1 · 304 m² | 8.8 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 82,646 companies in sector 70200 we hold annual accounts for 52,627. 40,887 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
Founded31-05-1994
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0452710183
Also
9925:BE0452710183
Registered
22-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.