SWAVER
ActiveSWAVER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €324k and a net result of €38k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 7980 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 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.
NBB · 7 filingsDeviation from the deadline
2025
28 d late
2024
34 d early
2023
1 d early
2022
24 d late
2021
12 d late
2020
27 d late
2019
98 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€324k▲ 13.3%
2024 · €286k
2019: €107k
2020: €127k
2021: €169k
2022: €210k
2023: €248k
2024: €286k
2019 → 2025
Net result
€38k▼ 0.8%
2024 · €38k
2019: €89k
2020: €20k
2021: €42k
2022: €40k
2023: €38k
2024: €38k
2019 → 2025
Total assets
€368k▲ 9.1%
2024 · €338k
2019: €154k
2020: €189k
2021: €207k
2022: €256k
2023: €296k
2024: €338k
2019 → 2025
Solvency
88.0%▲ 3.3pp
2024 · 84.8%
2019: 69.5%
2020: 67.5%
2021: 81.8%
2022: 81.8%
2023: 83.8%
2024: 84.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€169k-€210k▲ 23.7%€248k▲ 18.3%€286k▲ 15.5%€324k▲ 13.3%
Operating result€58k-€56k▼ 3.2%€58k▲ 2.5%€58k▲ 0.9%€57k▼ 1.5%
Net result€42k-€40k▼ 4.9%€38k▼ 4.5%€38k▲ 0.1%€38k▼ 0.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €368k
Equity
€324k▲ 13.3%
Debt
€44k▼ 14.3%
The debt ratio falls from 15.2% to 12.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
88.0%▲
2024 · 84.8%
ROE
11.7%▼
2024 · 13.4%
ROA
10.3%▼
2024 · 11.4%
Debt
€44k▼
2024 · €51k
Debt ≤ 1 year
€44k▼
2024 · €51k
Income taxes
€19k▼
2024 · €20k
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€338k€368k▲
Current assets29/58€338k€368k▲
Amounts receivable within one year40/41€334k€367k▲
Trade receivables40€315k-
Other amounts receivable41€19k€367k▲
Cash at bank and in hand54/58€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€338k€368k▲
Equity10/15€286k€324k▲
Contributions10/11€19k€19k=
Reserves13€268k€306k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€266k€304k▲
Amounts payable17/49€51k€44k▼
Amounts payable within one year42/48€51k€44k▼
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€42k€42k▼
Taxes450/3€42k€42k▼
Other amounts payable47/48€9k-
Income statement
Code20242025
Other operating charges640/8€483€485▲
Gross operating margin9900€59k€58k▼
Operating profit (loss)9901€58k€57k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€57€123▲
Recurring financial charges65€57€123▲
Profit (loss) for the period before taxes9903€58k€57k▼
Income taxes67/77€20k€19k▼
Profit (loss) for the period9904€38k€38k▼
Profit (loss) for the period to be appropriated9905€38k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€38k▼
Transfer to equity691/2€38k€38k▼
To other reserves6921€38k€38k▼
The notes to these accounts (1 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Equity above €200kEq €210k ▲23.7%
4 profitable years in a row build equity to €210k.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Equity above €150kEq €169k ▲33.2%
3 profitable years in a row build equity to €169k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €20k ▼77.3%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 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, Nijlen · 1 establishment unit since 2018
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.
Grobbendonkseweg 392560 NijlenGround area
2,554 m²
Building footprint
448 m²
Volume, LiDAR
2,620 m³
2 parcels, Flanders · tallest building 15.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SWAVER
since 20182.281.883.131
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026C0031/00Y000 | Flanders | 1,520 m² | 1 · 238 m² | 8.6 m · 2 fl. |
| 12026B0319/00S000 | Flanders | 1,034 m² | 1 · 210 m² | 15.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Similar companies · same sector, comparable size
DECO INTERIEUR
BE 0677.734.644
Oudenburg · Eq €324k
LUCALOT
BE 0699.956.255
Overijse · Eq €324k
Jasenko Ibrahimovic
BE 0683.654.020
Geel · Eq €325k
WJ PROJECTS
BE 0772.514.631
Poperinge · Eq €324k
HOLDING SCHYNS
BE 0668.592.591
Huy · Eq €324k
Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,722 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
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.