SWD GROUP

Active

Cooperative companyfounded 2015active for 11 yearsRue Hawis(AYE) 16, 4630 Soumagne, BelgiumKBO/BCE: BE 0599.873.338

Summary

SWD GROUP has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €473,583 and a net result of €44,684. Equity is growing by about 33% per year across the filed financial years. Its solvency ranks better than 71% of 1,364 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow Report Compare

SWD GROUPActiveChecked score 96/100

Risk analysis Report Compare

Activity

Personal service activities

NACE 96910

Largest company by total assets in Soumagne, Other services sector2 sites

Size

€828,182total assets 2025

Staff: 32 FTE
Equity: €473,583
Profit: €44,684

Financial health

96 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.1%

Structure

2025 accounts filed 28 days late1 of 7 deeds summarised

Why 96lowers riskLiquidity: current ratio 2.01, cash €244,797Equity €473,583 (57.2% of total assets)Founded in 2015Figures for financial year 2025 (filed 02-09-2026)Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 70% of its sector peers (NACE 96, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 82+2

equity 57.2% of total assets

Liquidity 69-14

short-term debt 38.2% · cash 29.6%

Profitability 75-10

return on assets 5.4%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (348 companies, NACE 96, small)

Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.3%● unchanged vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.4%▲ +0.1 percentage points vs 06-2025highest value 08-2025: 0.1%▼ -0.3 percentage points vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026lowest value 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.2 percentage points vs 07-2026 09-2026: 0.1%▼ -0.2 percentage points vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026

Credit of up to €45,000 on 30-day terms is acceptable

Liquidity ample (current ratio 2.01, compared with 1.87 in 2024, above the usual 1.5; short-term debt: 38.2% and cash: 29.6% of total assets), and 42.8% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, small): better than 68% on solvency, 77% on liquidity, 66% on profitability and 68% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskneutral

Liquidity: current ratio 2.01, cash €244,797

NBB · annual accounts

Equity €473,583 (57.2% of total assets)

NBB · annual accounts

Founded in 2015

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Figures for financial year 2025 (filed 02-09-2026)

NBB · annual accounts

A punctual record breaks

This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.

NBB · 10 filings

Deviation from the deadline

2025

28 days late

2024

23 days early

2023

28 days early

2022

47 days early

2021

80 days late

2021

2 days late

2020

19 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 4 days after the deadline; the sector median (NACE 96) for financial year 2024 is on the deadline day, and 48% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 July (4 of the last 5 filed years within 51 days of that day).

Companies Code · seven months

Where today falls in the filing period

27-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

28-08-2026 Annual accounts filedfinancial year 2025 · abbreviated…
08-07-2025 Annual accounts filedfinancial year 2024 · full…
28-05-2025 Resignations: John Heusch, Kleinen Didier and…Appointments: Thomas Hurlet, Raphael Renneau…

Key points

Positive: Largest company by total assets in Soumagne, Other services sectorin the Checked rankings No. 1 View
Caution: Result fell in 2025from €99,604 to €44,684 ▼ 55.1% View
Positive: 6 profitable years in a rowprofit 2025: €44,684 6 years View

By topic

Financials

Financial year: 2025
Total assets: €828,182
Profit: €44,684
Solvency: 57.2%

Go to Financials

Board & ownership

Board: 3 members

Marine DelhausseDirector
Raphael RenneauDirector
Thomas HurletDirector

Go to Board & ownership

Timeline

Events: 16
Since: 2017
Next accounts: by 31-07-2027

03-07-2024Annual accounts filed
14-06-2023Annual accounts filed
19-10-2022Annual accounts filed

Go to Timeline

Company details

Sites: 2

Legal form: Cooperative company
Activity: Personal service activitiesNACE 96910
Founded: 03-03-2015
Year ends: 31-12
Peppol: Not found in the Peppol directory

Go to Company details

Key facts about SWD GROUP

What is the company number of SWD GROUP?: 0599.873.338. In Belgium the VAT number is the company number with BE in front: BE 0599.873.338.
Where is SWD GROUP based?: The registered office is at Rue Hawis(AYE) 16, 4630 Soumagne.Company details
What does SWD GROUP do?: According to the KBO register, the main activity is personal service activities (NACE 96910).
What is the legal form of SWD GROUP?: Cooperative company (CV).
When was SWD GROUP founded?: On 03-03-2015.
Is SWD GROUP still active?: Yes, SWD GROUP is an active enterprise in the KBO register.
How many employees does SWD GROUP have?: On average 32 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of SWD GROUP?: €706,995 in financial year 2019, according to the filed annual accounts.
Is SWD GROUP profitable?: In financial year 2025, SWD GROUP made a profit of €44,684.
Where can I find the annual accounts of SWD GROUP?: SWD GROUP filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of SWD GROUP due?: By 31-07-2027, for financial year 2026.Timeline