SW-IT
ActiveSW-IT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €106k. Equity is shrinking by ~33.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+4
Solvency28=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.13 in 2024; short-term debt: 65.3% and cash: 26.5% of total assets), and 96.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.2%
Return on assets
18%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 4123 sector peers (2025).
NBB · sector comparisonPosition among 4123 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-12-2025, 39 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
39 d early
2024
42 d early
2023
40 d early
2022
41 d early
2021
39 d early
2020
48 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€106k▲ 21.5%
2024 · €87k
2019: €66k
2020: €106k
2021: €47k
2022: €84k
2023: €95k
2024: €87k
2019 → 2025
Working capital
€13k▼ 69.7%
2024 · €44k
2019: €38k
2020: €111k
2021: €126k
2022: €19k
2023: €37k
2024: €44k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€200k-€73k▼ 63.6%€85k▲ 17.2%€19k▼ 78.0%€19k=
Operating result€59k-€110k▲ 86.9%€127k▲ 15.6%€118k▼ 7.2%€140k▲ 19.1%
Net result€47k-€84k▲ 76.3%€95k▲ 13.9%€87k▼ 8.2%€106k▲ 21.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €591k
Fixed assets
€192k▼ 9.3%
Current assets
€399k▲ 4.2%
Equity and liabilities €591k
Equity
€19k=
Debt
€572k▼ 0.6%
The debt ratio stays at 96.8%.
Key figures and ratios
EBITDA
€195k▲
2024 · €167k
Cash flow
€161k▲
2024 · €136k
Solvency
3.2%▲
2024 · 3.2%
Current ratio
1.03▼
2024 · 1.13
Quick ratio
0.88▼
2024 · 0.98
Debt / equity
30.51▼
2024 · 30.70
ROE
566.4%▲
2024 · 466.3%
ROA
18.0%▲
2024 · 14.7%
Interest coverage
54.53▲
2024 · 30.56
Debt
€572k▼
2024 · €576k
Debt ≤ 1 year
€386k▲
2024 · €339k
Debt > 1 year
€186k▼
2024 · €235k
Income taxes
€31k▲
2024 · €25k
Staff costs
€92k▲
2024 · €68k
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€594k€591k▼
Fixed assets21/28€212k€192k▼
Intangible fixed assets21€92k€109k▲
Tangible fixed assets22/27€120k€83k▼
Plant, machinery and equipment23€1k€694▼
Furniture and vehicles24€119k€82k▼
Current assets29/58€383k€399k▲
Stocks and contracts in progress3€50k€59k▲
Stocks30/36€25k€47k▲
Contracts in progress37€25k€12k▼
Amounts receivable within one year40/41€203k€165k▼
Trade receivables40€197k€165k▼
Other amounts receivable41€5k€506▼
Cash at bank and in hand54/58€116k€156k▲
Deferred charges and accrued income490/1€13k€18k▲
Equity and liabilities
Total equity and liabilities10/49€594k€591k▼
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Amounts payable17/49€576k€572k▼
Amounts payable after more than one year17€235k€186k▼
Financial debts170/4€69k€37k▼
Other amounts payable178/9€166k€149k▼
Amounts payable within one year42/48€339k€386k▲
Current portion of amounts payable after more than one year42€34k€32k▼
Financial debts43€10k-
Credit institutions430/8€10k-
Trade debts44€30k€40k▲
Suppliers440/4€30k€40k▲
Taxes, remuneration and social security45€52k€58k▲
Taxes450/3€39k€39k▼
Remuneration and social security454/9€13k€19k▲
Other amounts payable47/48€213k€257k▲
Accrued charges and deferred income492/3€1k€88▼
Income statement
Code20242025
Non-recurring operating income76A-€85
Remuneration, social security and pensions62€68k€92k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€54k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€237k€289k▲
Operating profit (loss)9901€118k€140k▲
Financial income75/76B€47€125▲
Recurring financial income75€47€125▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€112k€137k▲
Income taxes67/77€25k€31k▲
Profit (loss) for the period9904€87k€106k▲
Profit (loss) for the period to be appropriated9905€87k€106k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€106k▲
Transfer from equity791/2€66k-
Profit to be distributed694/7€154k€106k▼
Return on contributions (dividend)694€154k€106k▼
Social balance
Average headcount (FTE)90871.01.8▲
The notes to these accounts (19 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
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €47k ▼55.4%
Net result drops to €47k, the lowest in the series; recovery starts the following year.
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Highest result since 2019net €106k ▲60.4%
Net result €106k, the highest in the series.
30-06
Financial
Equity above €150kEq €164k ▲126%
2 profitable years in a row build equity to €164k.
2019
26-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Plombières · 2 establishment units since 2017
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.
Rue Arnold de Lasaulx 124850 PlombièresGround area
383 m²
Parcel 63054A0248/00V002, Wallonia. Linked by address, not a title deed.
2 establishment units
SW-IT
since 20172.267.215.444
SW-IT
since 20212.332.905.428
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63054A0248/00V002 | Wallonia | 383 m² | - | - |
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
INFOCOM
BE 0725.506.847
Floreffe · Eq €19k
DIGITAL DATA MINDS
BE 0712.595.058
Dilbeek · Eq €19k
PIGS INFORMATIQUE
BE 0742.918.743
Ham-sur-Heure-Nalinnes · Eq €19k
HALL-MEDIA
BE 0544.974.803
Ukkel · Eq €19k
SWEET TECHNOLOGIES
BE 0823.715.783
Beringen · Eq €19k
Of 3,225 companies in sector 47400 we hold annual accounts for 1,806. 1,165 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2017
Fiscal year end30-06
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
62020IT consultancy
62200Computer consultancy and computer facilities management
47420Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.