ZWEMBADEN DE WILDE
ActiveZWEMBADEN DE WILDE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €935k and a net result of €76k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 70% of 396 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+25
Solvency98▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 2.71 against 2.53 in 2024), and 43.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
56.9%
Return on assets
4.6%
Age of the figures
8 mo
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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
5 d early
2022
32 d late
2021
31 d late
2020
2 d early
2019
81 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€935k▲ 8.8%
2024 · €859k
2018: €850k
2019: €865k
2020: €913k
2021: €964k
2022: €979k
2023: €984k
2024: €859k
2018 → 2025
Total assets
€1.64M▲ 1.8%
2024 · €1.61M
2018: €1.33M
2019: €1.33M
2020: €1.46M
2021: €1.53M
2022: €1.65M
2023: €1.63M
2024: €1.61M
2018 → 2025
Net result
€76k▲ 184%
2024 · €27k
2018: €10k
2019: €15k
2020: €49k
2021: €52k
2022: €14k
2023: €5k
2024: €27k
2018 → 2025
Working capital
€917k▲ 12.2%
2024 · €817k
2018: €600k
2019: €675k
2020: €730k
2021: €764k
2022: €767k
2023: €758k
2024: €817k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€964k-€979k▲ 1.5%€984k▲ 0.5%€859k▼ 12.6%€935k▲ 8.8%
Operating result€82k-€26k▼ 68.6%€21k▼ 18.1%€51k▲ 144%€113k▲ 119%
Net result€52k-€14k▼ 72.2%€5k▼ 67.2%€27k▲ 460%€76k▲ 184%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 119% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.64M
Fixed assets
€189k▼ 27.6%
Current assets
€1.45M▲ 7.5%
Equity and liabilities €1.64M
Equity
€935k▲ 8.8%
Debt
€708k▼ 6.1%
The debt ratio falls from 46.7% to 43.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€185k▲
2024 · €106k
Cash flow
€148k▲
2024 · €81k
Solvency
56.9%▲
2024 · 53.3%
Current ratio
2.71▲
2024 · 2.53
Quick ratio
2.51▲
2024 · 2.35
Debt / equity
0.76▼
2024 · 0.88
ROE
8.1%▲
2024 · 3.1%
ROA
4.6%▲
2024 · 1.6%
Interest coverage
10.62▲
2024 · 5.48
Debt
€708k▼
2024 · €754k
Debt ≤ 1 year
€537k▲
2024 · €534k
Debt > 1 year
€114k▼
2024 · €190k
Income taxes
€24k▲
2024 · €10k
Staff costs
€337k▼
2024 · €377k
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€1.61M€1.64M▲
Fixed assets21/28€261k€189k▼
Tangible fixed assets22/27€261k€189k▼
Land and buildings22€0-
Plant, machinery and equipment23€68k€50k▼
Furniture and vehicles24€193k€139k▼
Financial fixed assets28€223€223=
Current assets29/58€1.35M€1.45M▲
Stocks and contracts in progress3€95k€109k▲
Stocks30/36€95k€109k▲
Amounts receivable within one year40/41€1.05M€1.04M▼
Trade receivables40€739k€732k▼
Other amounts receivable41€307k€306k▼
Cash at bank and in hand54/58€201k€298k▲
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.61M€1.64M▲
Equity10/15€859k€935k▲
Contributions10/11€18k€18k=
Reserves13€842k€917k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€48k€48k=
Distributable reserves133€794k€869k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€754k€708k▼
Amounts payable after more than one year17€190k€114k▼
Financial debts170/4€190k€114k▼
Amounts payable within one year42/48€534k€537k▲
Current portion of amounts payable after more than one year42€78k€76k▼
Financial debts43€125k€125k=
Credit institutions430/8€125k€125k=
Trade debts44€50k€48k▼
Suppliers440/4€50k€48k▼
Taxes, remuneration and social security45€59k€67k▲
Taxes450/3€41k€54k▲
Remuneration and social security454/9€18k€12k▼
Other amounts payable47/48€223k€221k▼
Accrued charges and deferred income492/3€29k€57k▲
Income statement
Code20242025
Remuneration, social security and pensions62€377k€337k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€72k▲
Other operating charges640/8€28k€4k▼
Gross operating margin9900€511k€526k▲
Operating profit (loss)9901€51k€113k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€19k€17k▼
Recurring financial charges65€19k€17k▼
Profit (loss) for the period before taxes9903€36k€99k▲
Income taxes67/77€10k€24k▲
Profit (loss) for the period9904€27k€76k▲
Profit (loss) for the period to be appropriated9905€27k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€76k▲
Transfer from equity791/2€9k€0▼
Transfer to equity691/2€27k€76k▲
To other reserves6921€27k€76k▲
Profit to be distributed694/7€9k€0▼
Return on contributions (dividend)694€9k€0▼
Social balance
Average headcount (FTE)90876.06.0=
The notes to these accounts (21 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €76k ▲184%
Operating result €113k, net result €76k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €5k ▼67.2%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Oosterzele · 1 establishment unit since 1995
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.
Geraardsbergse steenweg 739860 OosterzeleGround area
476 m²
Building footprint
212 m²
Volume, LiDAR
1,012 m³
Parcel 44052A0384/00H002, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ZWEMBADEN DE WILDE
since 19952.070.448.370
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44052A0384/00H002 | Flanders | 476 m² | 1 · 212 m² | 8.9 m · 1 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.
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Of 387 companies in sector 42990 we hold annual accounts for 178. 78 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-02-1995
Fiscal year end31-12
Activities, NACEBEL
42990Civil engineering
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.