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SKWIZ

Active
Private limited company·Ontwerpen van computerprogramma’s· 3 yrs active
de Broquevillelaan 12 ·1150 Sint-Pieters-Woluwe, Belgium
KBO/BCE: BE 0804.689.828
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Belgian State Gazette acts: 0 of 1 read
Age3 yrs
Real estate1 parcel · 1,291 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SKWIZ is 2.9% (moderate). The 2024 annual accounts show negative equity (€-625k) and a net result of €-660k. Its solvency ranks better than 5% of 7351 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.9% Moderate
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 28-08-2025 28 d late 2025-00444754

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-660k
Working capital€-295k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 28-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -230.2% 65.0%
better than 5% of 7351 sector peers
Net result €-660k €32k
better than 5% of 7348 sector peers
Equity €-625k €58k
better than 5% of 7353 sector peers
Gross operating margin €-354k €52k
better than 5% of 7342 sector peers
Staff costs €215k €17k
higher than 92% of 1083 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-568k
Net profit€-660k
Cash flow€-577k
Staff costs€215k
Income taxes-
Dividends-
Total assets€271k
Equity€-625k
Debt€896k
of which ≤ 1y€510k
of which > 1y€157k
Working capital€-295k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.42
Quick ratio0.42
Working capital ratio-108.5%
Solvency-230.2%
Debt / equity-1.43
Long-term debt ratio-0.25
Interest coverage-61.40
Gross margin-
Net margin-
ROA-243.0%
ROE105.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€271k
Fixed assets 21/28€56k
Intangible fixed assets 21€54k
Tangible fixed assets 22/27€1k
Financial fixed assets 28€450
Current assets 29/58€216k
Amounts receivable within one year 40/41€198k
Cash & bank 54/58€18k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€271k
Equity 10/15€-625k
Contributions / capital 10/11€3k
Reserves 13€178
Accumulated profits (losses) 14€-628k
Amounts payable 17/49€896k
Amounts payable after one year 17€157k
Amounts payable within one year 42/48€510k
Trade debts payable within one year 44€114k
Income statement
Gross operating margin 9900€-354k
Operating result 9901€-651k
Financial income 75€1k
Financial charges 65€9k
Result before taxes 9903€-660k
Net result for the period 9904€-660k
Result to be appropriated 9905€-660k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
10 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
92 companies at this address See who is registered here

Establishment units

2 locations
de Broquevillelaan 12, 1150 Sint-Pieters-Woluwe
Overige diensten op het gebied van informatietechnologie en computer
since 20232.348.142.940
SKWIZZ
Square des Martyrs 1, 6000 CharleroiOverige diensten op het gebied van informatietechnologie en computer
since 20242.363.740.936
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,291 m²
Buildings1
Building footprint597 m²
Volume (LiDAR)15,768 m³
Tallest building29.1 m · ±9 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21019A0206/00H005 Brussels 1,291 m² 1 · 597 m² 29.1 m · 9 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

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.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health10Profitability100Solvency33Growth-Stability79
56 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 79

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 2,809 of the 16,748 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ontwerpen en programmeren van computerprogramma's62010Computerconsultancy-activiteiten62020Ontwerpen van computerprogramma’s62100Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Computerinfrastructuur, gegevensverwerking, hosting en aanverwante activiteiten63100Gegevensverwerking, webhosting en aanverwante activiteiten63110
Primary activity highlighted.
Names & trade names
Legal nameFR SKWIZ
Registered office
de Broquevillelaan 12
1150 Sint-Pieters-Woluwe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.