B-Wize
ActiveSummary
B-Wize has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €216,962 and a net result of €34,007. Equity is growing by ~15.2% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability86▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 7.29 against 3.92 in 2023; short-term debt: 13.3% and cash: 79.1% of total assets), and 13.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 19-06-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
42 d early
2024
62 d early
2023
61 d early
2022
31 d late
2021
52 d early
2020
1 d early
2019
31 d early
← 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 31 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 9 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€34,007▼ 25.4%
2023 · €45,602
Working capital
€208,822▲ 11.1%
2023 · €188,003
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€71,584▲ 345%€91,876▲ 28.3%€26,830▼ 70.8%€53,359▲ 98.9%€48,354▼ 9.4%
Net result€51,664above the sector's middle half▲ 382%€66,083above the sector's middle half▲ 27.9%€10,212within the sector's middle half▼ 84.5%€45,602above the sector's middle half▲ 347%€34,007above the sector's middle half▼ 25.4%
Equity€127,159above the sector's middle half▲ 68.4%€167,185above the sector's middle half▲ 31.5%€177,398within the sector's middle half▲ 6.1%€193,681above the sector's middle half▲ 9.2%€216,962above the sector's middle half▲ 12.0%
Total assets€149,363within the sector's middle half▲ 72.6%€219,078within the sector's middle half▲ 46.7%€206,163below the sector's middle half▼ 5.9%€258,362within the sector's middle half▲ 25.3%€250,375within the sector's middle half▼ 3.1%
Debt€22,204▲ 101%€51,892▲ 134%€28,765▼ 44.6%€64,681▲ 125%€33,414▼ 48.3%
Working capital€122,539above the sector's middle half▲ 78.2%€161,596above the sector's middle half▲ 31.9%€170,626within the sector's middle half▲ 5.6%€188,003above the sector's middle half▲ 10.2%€208,822above the sector's middle half▲ 11.1%
Solvency85.1%above the sector's middle half▼ 2.1pp76.3%above the sector's middle half▼ 8.8pp86.0%above the sector's middle half▲ 9.7pp75.0%above the sector's middle half▼ 11.1pp86.7%above the sector's middle half▲ 11.7pp
Current ratio6.52above the sector's middle half▼ 0.734.11above the sector's middle half▼ 2.406.97above the sector's middle half▲ 2.863.92above the sector's middle half▼ 3.057.29above the sector's middle half▲ 3.37
Return on assets (ROA)34.6%above the sector's middle half▲ 22.2pp30.2%above the sector's middle half▼ 4.4pp5.0%within the sector's middle half▼ 25.2pp17.7%within the sector's middle half▲ 12.7pp13.6%within the sector's middle half▼ 4.1pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 9% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €250,375
Fixed assets
€8,342 ▲ 41.3%
Current assets
€242,034 ▼ 4.1%
Equity and liabilities €250,375
Equity
€216,962 ▲ 12.0%
Debt
€33,414 ▼ 48.3%
Debt's share of the balance-sheet total falls from 25.0% to 13.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50,906▼
2023 · €55,430
Cash flow
€36,558▼
2023 · €47,673
Debt to equity
0.15▼
2023 · 0.33
ROE
15.7%▼
2023 · 23.5%
Interest coverage
40.88▼
2023 · 43.08
Debt ≤ 1 year
€33,212▼
2023 · €64,456
Income taxes
€13,810▲
2023 · €6,753
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,030 | €1,696 | €2,189 | €2,071 | €2,552 | ▲ 23.2% |
| Other operating charges640/8 | - | €882 | €571 | €1,011 | €607 | ▼ 39.9% |
| Gross operating margin9900 | €75,400 | €94,454 | €29,590 | €56,440 | €51,513 | ▼ 8.7% |
| Operating profit (loss)9901 | €71,584 | €91,876 | €26,830 | €53,359 | €48,354 | ▼ 9.4% |
| Financial income75/76B | - | €0 | €0 | €283 | €708 | ▲ 150% |
| Recurring financial income75 | - | €0 | €0 | €283 | €708 | ▲ 150% |
| Financial charges65/66B | - | €125 | €567 | €1,287 | €1,245 | ▼ 3.2% |
| Recurring financial charges65 | €80 | €125 | €567 | €1,287 | €1,245 | ▼ 3.2% |
| Profit (loss) for the period before taxes9903 | €71,504 | €91,751 | €26,263 | €52,355 | €47,817 | ▼ 8.7% |
| Income taxes67/77 | €19,841 | €25,668 | €16,051 | €6,753 | €13,810 | ▲ 105% |
| Profit (loss) for the period9904 | €51,664 | €66,083 | €10,212 | €45,602 | €34,007 | ▼ 25.4% |
| Profit (loss) for the period to be appropriated9905 | €51,664 | €66,083 | €10,212 | €45,602 | €34,007 | ▼ 25.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €149,363 | €219,078 | €206,163 | €258,362 | €250,375 | ▼ 3.1% |
| Fixed assets21/28 | €4,620 | €5,590 | €6,962 | €5,904 | €8,342 | ▲ 41.3% |
| Tangible fixed assets22/27 | €2,440 | €3,410 | €4,782 | €3,724 | €6,162 | ▲ 65.5% |
| Furniture and vehicles24 | - | €3,410 | €4,782 | €3,724 | €6,162 | ▲ 65.5% |
| Financial fixed assets28 | €2,180 | €2,180 | €2,180 | €2,180 | €2,180 | = |
| Current assets29/58 | €144,743 | €213,488 | €199,201 | €252,458 | €242,034 | ▼ 4.1% |
| Amounts receivable within one year40/41 | €25,416 | €14,520 | €30,371 | €58,645 | €34,385 | ▼ 41.4% |
| Trade receivables40 | - | €14,520 | €30,371 | €58,645 | €26,983 | ▼ 54.0% |
| Other amounts receivable41 | - | - | - | - | €7,402 | - |
| Cash at bank and in hand54/58 | €117,614 | €189,023 | €159,136 | €184,307 | €198,139 | ▲ 7.5% |
| Deferred charges and accrued income490/1 | - | €9,945 | €9,694 | €9,506 | €9,510 | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €149,363 | €219,078 | €206,163 | €258,362 | €250,375 | ▼ 3.1% |
| Equity10/15 | €127,159 | €167,185 | €177,398 | €193,681 | €216,962 | ▲ 12.0% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €8,055 | €8,055 | = |
| Outside capital11 | - | €6,200 | - | - | - | - |
| Other1109/19 | - | €6,200 | - | - | - | - |
| Reserves13 | €120,959 | €160,985 | €171,198 | €185,626 | €208,907 | ▲ 12.5% |
| Non-distributable reserves130/1 | - | €159,646 | €169,859 | €184,287 | €207,568 | ▲ 12.6% |
| Reserves not available under the articles1311 | - | €159,646 | €169,859 | €184,287 | €207,568 | ▲ 12.6% |
| Distributable reserves133 | - | €1,339 | €1,339 | €1,339 | €1,339 | = |
| Amounts payable17/49 | €22,204 | €51,892 | €28,765 | €64,681 | €33,414 | ▼ 48.3% |
| Amounts payable within one year42/48 | €22,204 | €51,892 | €28,574 | €64,456 | €33,212 | ▼ 48.5% |
| Trade debts44 | €4,892 | €1,994 | €9,339 | €3,573 | €1,991 | ▼ 44.3% |
| Suppliers440/4 | - | €1,994 | €9,339 | €3,573 | €1,991 | ▼ 44.3% |
| Taxes, remuneration and social security45 | - | €17,108 | €5,435 | €16,686 | €4,195 | ▼ 74.9% |
| Taxes450/3 | - | €17,108 | €5,435 | €16,686 | €4,195 | ▼ 74.9% |
| Other amounts payable47/48 | - | €32,790 | €13,800 | €44,197 | €27,026 | ▼ 38.9% |
| Accrued charges and deferred income492/3 | - | - | €191 | €225 | €202 | ▼ 10.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €51,664 | €66,083 | €10,212 | €45,602 | €34,007 | ▼ 25.4% |
| + Depreciation and write-downs630 | €3,030 | €1,696 | €2,189 | €2,071 | €2,552 | ▲ 23.2% |
| Operating cash flow (approximation) | €54,694 | €67,779 | €12,401 | €47,673 | €36,558 | ▼ 23.3% |
| Investment in fixed assets (approximation) | - | -€2,666 | -€3,561 | -€1,012 | -€4,989 | ▼ 393% |
| Change in cash | - | €71,409 | -€29,887 | €25,172 | €13,832 | ▼ 45.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200,000Eq €216,962 ▲12%
7 profitable years in a row build equity to €216,962.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €10,212 ▼84.5%
Net result drops to €10,212, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €66,083 ▲27.9%
Operating result €91,876, net result €66,083, both a record.
31-12
Financial
Equity above €150,000Eq €167,185 ▲31.5%
4 profitable years in a row build equity to €167,185.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €127,159 ▲68.4%
3 profitable years in a row build equity to €127,159.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Liège · 1 establishment unit since 2015
Ground area
1,598 m²
Building footprint
110 m²
Volume, LiDAR
711 m³
Parcel 62002C0545/00M000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
-
since 20152.239.774.243
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62002C0545/00M000 | Wallonia | 1,598 m² | 1 · 110 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 22,829 companies in sector 43211 we hold annual accounts for 10,334. 8,154 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-03-2015
Fiscal year end31-12
Activities, NACEBEL 2025
43211General electrical installation work
58290Other software publishing
62100Computer programming
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0599910059
Also
9925:BE0599910059
Registered
26-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.