Geert zwembaden
ActiveGeert zwembaden has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €69k and a net result of €-29k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 82% of 400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-35
Solvency95=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 2.26 in 2024; short-term debt: 30.2% and cash: 0.5% of total assets), and 30.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 42
Relative position
BE, all sectors
reference
Sector 42
higher
← 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 · 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
69.8%
Return on assets
-29.1%
Age of the figures
9 mo
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 €-29k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
27 d late
2023
12 d late
2022
3 d early
2021
115 d late
2020
45 d late
2019
4 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€69k▼ 29.4%
2024 · €98k
2018: €-34k
2019: €10k
2020: €121k
2021: €233k
2022: €149k
2023: €122k
2024: €98k
2018 → 2025
Total assets
€99k▼ 29.3%
2024 · €140k
2018: €52k
2019: €88k
2020: €260k
2021: €354k
2022: €223k
2023: €156k
2024: €140k
2018 → 2025
Net result
€-29k▼ 18.1%
2024 · €-24k
2018: €-10k
2019: €44k
2020: €111k
2021: €112k
2022: €-84k
2023: €-27k
2024: €-24k
2018 → 2025
Working capital
€53k▼ 0.9%
2024 · €53k
2018: €-47k
2019: €-529
2020: €51k
2021: €136k
2022: €69k
2023: €63k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€233k-€149k▼ 35.9%€122k▼ 18.1%€98k▼ 19.9%€69k▼ 29.4%
Operating result€154k-€-56k€-27k▲ 51.0%€-25k▲ 9.1%€-29k▼ 14.7%
Net result€112k-€-84k€-27k▲ 67.7%€-24k▲ 9.9%€-29k▼ 18.1%
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 €29k in 2025 against €25k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99k
Fixed assets
€16k▼ 63.3%
Current assets
€83k▼ 13.3%
Equity and liabilities €99k
Equity
€69k▼ 29.4%
Debt
€30k▼ 29.0%
The debt ratio rises from 30.1% to 30.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-316▼
2024 · €6k
Cash flow
€-466▼
2024 · €7k
Solvency
69.8%▼
2024 · 69.9%
Current ratio
2.76▲
2024 · 2.26
Quick ratio
2.59▲
2024 · 2.04
Debt / equity
0.43▲
2024 · 0.43
ROE
-41.6%▼
2024 · -24.9%
ROA
-29.1%▼
2024 · -17.4%
Interest coverage
-0.33▼
2024 · 4.19
Debt
€30k▼
2024 · €42k
Debt ≤ 1 year
€30k▼
2024 · €42k
Income taxes
€216▼
2024 · €233
Staff costs
€432▼
2024 · €1k
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€140k€99k▼
Fixed assets21/28€45k€16k▼
Tangible fixed assets22/27€45k€16k▼
Land and buildings22€8k€7k▼
Plant, machinery and equipment23€14k€7k▼
Furniture and vehicles24€22k€2k▼
Current assets29/58€95k€83k▼
Stocks and contracts in progress3€9k€5k▼
Stocks30/36€9k€5k▼
Amounts receivable within one year40/41€59k€76k▲
Trade receivables40€14k€36k▲
Other amounts receivable41€45k€39k▼
Cash at bank and in hand54/58€26k€530▼
Deferred charges and accrued income490/1€413€1k▲
Equity and liabilities
Total equity and liabilities10/49€140k€99k▼
Equity10/15€98k€69k▼
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€7k€7k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€5k€5k=
Profit (loss) carried forward14€85k€56k▼
Amounts payable17/49€42k€30k▼
Amounts payable within one year42/48€42k€30k▼
Current portion of amounts payable after more than one year42€9k-
Financial debts43€8k€8k▲
Credit institutions430/8€8k€8k▲
Trade debts44€17k€17k▼
Suppliers440/4€17k€17k▼
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€8k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1k€432▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€28k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€8k€2k▼
Operating profit (loss)9901€-25k€-29k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€1k€961▼
Recurring financial charges65€1k€961▼
Profit (loss) for the period before taxes9903€-24k€-29k▼
Income taxes67/77€233€216▼
Profit (loss) for the period9904€-24k€-29k▼
Profit (loss) for the period to be appropriated9905€-24k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€85k€56k▼
Profit (loss) brought forward from the previous period14P€109k€85k▼
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-84k ▼175%
Net result drops to €-84k, the lowest in the series; recovery starts the following year.
23-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 115 days late
2021
31-12
Financial
Highest result since 2018net €112k ▲0.6%
Operating result €154k, net result €112k, both a record.
31-12
Financial
Equity above €200kEq €233k ▲92%
3 profitable years in a row build equity to €233k.
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 45 days late
2020
31-12
Financial
Equity above €100kEq €121k ▲1072%
2 profitable years in a row build equity to €121k.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 67 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, Beringen · 1 establishment unit since 2008
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.
Oude Barrier 153583 BeringenGround area
1,446 m²
Building footprint
148 m²
Volume, LiDAR
701 m³
Parcel 71049B1174/00F003, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Geert Zwembaden
since 20082.173.468.805
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71049B1174/00F003 | Flanders | 1,446 m² | 1 · 148 m² | 7.8 m · 2 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.
Similar companies · same sector, comparable size
PROIN
BE 1006.519.312
Koekelberg · Eq €69k
TEMS ZWEMBADEN
BE 0644.659.228
Lille · Eq €68k
Full Throttle
BE 0790.270.876
Aalst · Eq €71k
CB CONCEPT
BE 0822.045.702
Yvoir · Eq €71k
QES
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Antwerpen · Eq €66k
Of 394 companies in sector 42990 we hold annual accounts for 182. 138 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2008
Fiscal year end31-12
Activities, NACEBEL
42990Civil engineering
33120Repair and maintenance of machinery
95220Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.