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 60 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SWAF from Dilbeek, company number BE0873767090, closed financial year 2025 with a result of € 22,166 after tax. For that financial year SWAF recorded a gross margin of € 318,816 and equity of € 92,367. Compared with financial year 2024, the result moved from € 29,468 to € 22,166. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 92,367
▲ 32% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 22,166
▼ 25% vs 2024
Profit after tax over the fiscal year.
€ 132,561
▲ 1% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 79,967.
People and assets in 2025
4.8
▲ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 216,474
▲ 6% vs 2024
€ 45,100 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.
€ 22,197
▼ 35% vs 2024
Of which on lease € 21,067.
Debts at end 2025
€ 230,945
▼ 15% vs 2024
€ 21,113 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 41,026
▼ 19% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 33,207
▼ 14% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 278,109 | € 260,636 | € 318,780 | € 318,816 | |
| Profit after taxes | € 30,479 | € -18,924 | € 29,468 | € 22,166 | ▼ 25% |
| Equity | € 59,656 | € 40,732 | € 70,201 | € 92,367 | ▲ 32% |
| Total debts | € 280,323 | € 483,302 | € 374,242 | € 321,593 | ▼ 14% |
| Cash | € 88,828 | € 109,500 | € 130,903 | € 132,561 | ▲ 1% |
| Retained profit | € 47,256 | € 28,332 | € 57,801 | € 79,967 | ▲ 38% |
| Bank debt | € 199,710 | € 373,422 | € 271,695 | € 230,945 | ▼ 15% |
| Balance sheet total | € 339,979 | € 524,034 | € 444,442 | € 413,960 | ▼ 7% |
| Employees (FTE) | - | 4.7 | 4.7 | 4.8 | ▲ 0.1 |
Key figures of SWAF, 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 SWAF?
What happened at SWAF in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 22,166 (▼ 25% vs 2024). filed late Source: NBB ↗
- New establishment in Wielsbeke. KBO
- New establishment in Ternat. KBO
- New establishment in Dilbeek. KBO
- New establishment in Ternat. KBO
- New establishment in Dilbeek. KBO
- Start of the company according to the CBE. KBO
- New establishment in Dilbeek. KBO
In short
From € 30,479 profit in 2022 to € 22,166 profit in 2025.
Paid € 8,090 in corporate taxes since 2022.
Best year ever: 2022, with € 30,479 profit.
On average € 66,400 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 SWAF is FRANCOIS DEVOS. FRANCOIS DEVOS is also behind VOSTEX and SWALDO.
Establishments
Establishment units
Physical locations of this company
Kaudenaardestraat 71
1700 Dilbeek
d'Arconatistraat 20
1700 Dilbeek
Active since 28 April 2005
d'Arconatistraat 22 - 24
1700 Dilbeek
Active since 2 January 2019
Heidestraat 71
1742 Ternat
Active since 19 June 2020
Stationsstraat 312
1700 Dilbeek
Active since 19 December 2022
Heidestraat 74
1742 Ternat
Active since 1 June 2023
Tumulusstraat 1
8710 Wielsbeke
Active since 1 April 2025
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 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.
Details
- Company number
- 0873.767.090
- VAT number
- BE 0873.767.090
- Registered office
- Kaudenaardestraat 71, 1700 Dilbeek
- Names & denominations
- SWAF
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 May 2005
- Peppol
- Active · Active since 7 Oct 2025
- Activities · NACE
Cafés en bars
Cafés
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