ZWEMKOM
ActiveSummary
The computed 12-month bankruptcy probability of ZWEMKOM is 2.6% (moderate). The 2025 annual accounts show equity of €21k and a net result of €-4k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 95% of 27965 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 15.72 against 17.13 in 2024; short-term debt: 6.4% and cash: 16.4% of total assets), and 6.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
93.6%
Return on assets
-16.2%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
16 d late
2023
on the day
2022
30 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 14.7%
2024 · €25k
2022: €24k
2023: €17k▼ -30.1% vs 2022lowest in 4 years
2024: €25k▲ +49.5% vs 2023highest in 4 years
2025: €21k▼ -14.7% vs 2024
2022 → 2025
Total assets
€23k▼ 14.2%
2024 · €26k
2022: €60khighest in 4 years
2023: €35k▼ -41.6% vs 2022
2024: €26k▼ -25.0% vs 2023
2025: €23k▼ -14.2% vs 2024lowest in 4 years
2022 → 2025
Net result
€-4k
2024 · €8k
2022: €21khighest in 4 years
2023: €-7k▼ -134% vs 2022lowest in 4 years
2024: €8k▲ +215% vs 2023
2025: €-4k▼ -144% vs 2024
2022 → 2025
Working capital
€21k▼ 14.7%
2024 · €25k
2022: €24k
2023: €17k▼ -30.1% vs 2022lowest in 4 years
2024: €25k▲ +49.5% vs 2023highest in 4 years
2025: €21k▼ -14.7% vs 2024
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€24k-€17k▼ 30.1%€25k▲ 49.5%€21k▼ 14.7%
2022: €24k
2023: €17k▼ -30.1% vs 2022lowest in 4 years
2024: €25k▲ +49.5% vs 2023highest in 4 years
2025: €21k▼ -14.7% vs 2024
Operating result€29k-€-7k€10k€-4k
2022: €29khighest in 4 years
2023: €-7k▼ -125% vs 2022lowest in 4 years
2024: €10k▲ +236% vs 2023
2025: €-4k▼ -137% vs 2024
Net result€21k-€-7k€8k€-4k
2022: €21khighest in 4 years
2023: €-7k▼ -134% vs 2022lowest in 4 years
2024: €8k▲ +215% vs 2023
2025: €-4k▼ -144% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €23k
Equity
€21k ▼ 14.7%
Debt
€1k ▼ 6.6%
Debt's share of the balance-sheet total rises from 5.8% to 6.4%. Equity and debt are lower.
Key figures and ratios
Current ratio
15.72▼
2024 · 17.13
Debt to equity
0.07▲
2024 · 0.06
ROE
-17.3%▼
2024 · 33.1%
ROA
-16.2%▼
2024 · 31.2%
Debt ≤ 1 year
€1k▼
2024 · €2k
Income taxes
€0▼
2024 · €1k
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 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€26k€23k▼
Current assets29/58€26k€23k▼
Amounts receivable within one year40/41€19k€19k▼
Trade receivables40€19k€19k=
Other amounts receivable41€53€0▼
Cash at bank and in hand54/58€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€26k€23k▼
Equity10/15€25k€21k▼
Contributions10/11€3k€3k=
Reserves13€29k€29k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€-7k€-11k▼
Amounts payable17/49€2k€1k▼
Amounts payable within one year42/48€2k€1k▼
Trade debts44€240€138▼
Suppliers440/4€240€138▼
Taxes, remuneration and social security45€1k€1k=
Taxes450/3€1k€1k=
Other amounts payable47/48€0-
Income statement
Code20242025
Other operating charges640/8€499€126▼
Gross operating margin9900€10k€-3k▼
Operating profit (loss)9901€10k€-4k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€62€61▼
Recurring financial charges65€62€61▼
Profit (loss) for the period before taxes9903€10k€-4k▼
Income taxes67/77€1k€0▼
Profit (loss) for the period9904€8k€-4k▼
Profit (loss) for the period to be appropriated9905€8k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-11k▼
Profit (loss) brought forward from the previous period14P€-7k€-7k=
Transfer to equity691/2€8k€0▼
To other reserves6921€8k€0▼
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Other operating charges640/8 | €1k | €460 | €499 | €126 | ▼ 74.8% |
| Gross operating margin9900 | €30k | €-7k | €10k | €-3k | ▼ 134% |
| Operating profit (loss)9901 | €29k | €-7k | €10k | €-4k | ▼ 137% |
| Financial income75/76B | - | €6 | €0 | - | - |
| Recurring financial income75 | - | €6 | €0 | - | - |
| Financial charges65/66B | €32 | €73 | €62 | €61 | ▼ 0.8% |
| Recurring financial charges65 | €32 | €73 | €62 | €61 | ▼ 0.8% |
| Profit (loss) for the period before taxes9903 | €29k | €-7k | €10k | €-4k | ▼ 138% |
| Income taxes67/77 | €8k | €9 | €1k | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €21k | €-7k | €8k | €-4k | ▼ 144% |
| Profit (loss) for the period to be appropriated9905 | €21k | €-7k | €8k | €-4k | ▼ 144% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €60k | €35k | €26k | €23k | ▼ 14.2% |
| Current assets29/58 | €60k | €35k | €26k | €23k | ▼ 14.2% |
| Stocks and contracts in progress3 | €11k | €0 | - | - | - |
| Contracts in progress37 | €11k | €0 | - | - | - |
| Amounts receivable within one year40/41 | €241 | €28k | €19k | €19k | ▼ 0.3% |
| Trade receivables40 | €241 | €27k | €19k | €19k | = |
| Other amounts receivable41 | - | €878 | €53 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €49k | €7k | €7k | €4k | ▼ 50.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €60k | €35k | €26k | €23k | ▼ 14.2% |
| Equity10/15 | €24k | €17k | €25k | €21k | ▼ 14.7% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Reserves13 | €21k | €21k | €29k | €29k | = |
| Distributable reserves133 | €21k | €21k | €29k | €29k | = |
| Profit (loss) carried forward14 | - | €-7k | €-7k | €-11k | ▼ 51.2% |
| Amounts payable17/49 | €37k | €19k | €2k | €1k | ▼ 6.6% |
| Amounts payable within one year42/48 | €37k | €19k | €2k | €1k | ▼ 6.6% |
| Trade debts44 | €21k | €13k | €240 | €138 | ▼ 42.4% |
| Suppliers440/4 | €21k | €13k | €240 | €138 | ▼ 42.4% |
| Taxes, remuneration and social security45 | €10k | €0 | €1k | €1k | = |
| Taxes450/3 | €10k | €0 | €1k | €1k | = |
| Other amounts payable47/48 | €6k | €6k | €0 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €-7k | €8k | €-4k | ▼ 144% |
| Operating cash flow (approximation) | €21k | €-7k | €8k | €-4k | ▼ 144% |
| Change in cash | - | €-42k | €367 | €-4k | ▼ 1,113% |
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-09
Financial
Liquidity times 9current ratio 17.13
Current ratio from 1.89 to 17.13; short-term debt falls from €19k to €2k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Harelbeke · 1 establishment unit since 2021
Ground area
4,543 m²
Building footprint
797 m²
Volume, LiDAR
3,545 m³
2 parcels, Flanders · tallest building 5.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
ZWEMKOM
since 20212.322.801.986
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025C0692/00Y000 | Flanders | 2,940 m² | 1 · 60 m² | 0.0 m |
| 34017A0420/00L000 | Flanders | 1,602 m² | 1 · 736 m² | 5.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 5,279 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
Founded13-07-2021
Fiscal year end30-09
Activities, NACEBEL 2025
43990Other specialised construction activities
43240Other construction installation
43320Joinery installation
46836Wholesale trade
47527Retail trade
71113Urban planning and landscape architecture
Contact
Website
www.zwemkom.be
E-mail
info@zwemkom.be
Scores and ratios are computed by Checked and are not a credit decision.