Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 53 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SWD ADVIES from Lummen, company number BE0746831605, closed financial year 2025 with a result of € 110,669 after tax. For that financial year SWD ADVIES recorded a gross margin of € 690,657 and equity of € 229,634. Compared with financial year 2024, the result moved from € 247,403 to € 110,669. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 31, 2026.
€ 229,634
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 110,669
▼ 55% vs 2024
Profit after tax over the fiscal year.
€ 117,305
▼ 37% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 110,000 paid out
99 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
4.9
Average over the fiscal year, from the social balance sheet.
€ 249,042
▼ 1% vs 2024
€ 50,800 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 16,463
▼ 31% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.6 million
▼ 14% vs 2024
€ 236,437 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 48,293
▲ 191% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 3,627
▲ 210% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 679,289 | € 779,001 | € 839,911 | € 690,657 | ▼ 18% |
| Profit after taxes | € 125,710 | € 153,692 | € 247,403 | € 110,669 | ▼ 55% |
| Equity | € 187,870 | € 206,562 | € 228,965 | € 229,634 | |
| Total debts | € 2,011,622 | € 2,276,106 | € 2,099,479 | € 1,750,987 | ▼ 17% |
| Cash | € 5,819 | € 15,948 | € 186,831 | € 117,305 | ▼ 37% |
| Land & buildings | € 380,779 | € 857,167 | € 796,179 | € 735,190 | ▼ 8% |
| Retained profit | € 177,870 | € 196,562 | € 218,965 | € 219,634 | |
| Dividend | € 0 | € 135,000 | € 225,000 | € 110,000 | ▼ 51% |
| Bank debt | € 1,762,344 | € 2,092,937 | € 1,856,702 | € 1,588,918 | ▼ 14% |
| Balance sheet total | € 2,199,492 | € 2,482,668 | € 2,328,444 | € 1,980,622 | ▼ 15% |
| Employees (FTE) | 5.3 | 4.9 | 4.9 | 4.9 |
Key figures of SWD ADVIES, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to SWD ADVIES?
What happened at SWD ADVIES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 110,669 (▼ 55% vs 2024). Source: NBB ↗
- New establishment in Lummen. KBO
- Start of the company according to the CBE. KBO
- Van Ver & Zonen BV BV became a director. NBB
- Dirk Moermans BV BV became a director. NBB
In short
From € 125,710 profit in 2022 to € 110,669 profit in 2025.
Paid € 31,118 in corporate taxes since 2022.
Best year ever: 2024, with € 247,403 profit.
On average € 141,000 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind SWD ADVIES are Van Ver & Zonen BV BV and Dirk Moermans BV BV.
Directors
According to the 2025 annual accounts
Administrator-manager · represented by Vanhaute Steven
since 2020
Administrator-manager · represented by Moermans Dirk
since 2020
Establishments
Establishment units
Physical locations of this company
Dr. Vanderhoeydonckstraat 32
3560 Lummen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
GOOGLE-CLOUD-PLATFORM - Google LLC, US
Website info
Features
Security
Details
- Company number
- 0746.831.605
- VAT number
- BE 0746.831.605
- Registered office
- Dr. Vanderhoeydonckstraat 32, 3560 Lummen
- Names & denominations
- SWD ADVIES
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 May 2020
- Peppol
- Active · Active since 22 Aug 2025
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen
Verhuur en lease van kantoormachines, inclusief computers
Activiteiten van centrale banken
Ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen, neg
Agenten en makelaars in bankdiensten