BE WYSE

Active

Private limited companyfounded 20224 yrs activeHubert Tobbackstraat 81, 1910 Kampenhout, BelgiumKBO/BCE: BE 0783.374.572

Summary

The computed 12-month bankruptcy probability of BE WYSE is 1.6% (moderate). The 2025 annual accounts show equity of €142,459 and a net result of €42,442. Its solvency ranks better than 56% of 8200 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

BE WYSEActiveChecked score 56/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001General construction of buildings NACE 41201

1 site

Size

€288,340total assets 2025

Equity: €142,459
Profit: €42,442

Turnover not published (abridged schema)

Financial health

56 Fair Checked score 2025

Bankruptcy chance 12 m: 1.6%

Structure

Accounts filed 15 d late0 of 2 deeds read

Why 56- Sector Construction of residential and non-residential buildings (NACE 41)- Founded in 2022+ Liquidity: current ratio 1.94, cash €45,009, halved+ Equity €142,459 (49.4% of total assets)Show the evidence

Checked score

Score 2025

56 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 62% of its sector peers (NACE 41, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 74+1

equity 49.4% of total assets

Liquidity 44-30

short-term debt 50.6% · cash 15.6%

Profitability 87-13

return on assets 14.7%

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,168 companies)

Last 13 months 10-2025: 1.2% 11-2025: 1.0%▼ -20.8% vs 10-2025 12-2025: 0.9%▼ -3.7% vs 11-2025 01-2026: 0.9%● 0.0% vs 12-2025 02-2026: 0.9%● 0.0% vs 01-2026 03-2026: 0.9%▼ -2.1% vs 02-2026lowest value 04-2026: 0.9%● 0.0% vs 03-2026lowest value 05-2026: 0.9%● 0.0% vs 04-2026lowest value 06-2026: 1.0%▲ +11.3% vs 05-2026 07-2026: 1.1%▲ +4.3% vs 06-2026 08-2026: 1.2%▲ +9.2% vs 07-2026 09-2026: 1.3%▲ +8.1% vs 08-2026 10-2026: 1.6%▲ +27.8% vs 09-2026highest value

Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Founded in 2022 raises the probability for this profile
Liquidity: current ratio 1.94, cash €45,009, halved lowers the probability
Equity €142,459 (49.4% of total assets) lowers the probability

Credit up to €7,000 at 30 days acceptable

Liquidity ample (current ratio 1.94 against 1.92 in 2024; short-term debt: 50.6% and cash: 15.6% of total assets), but 50.6% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 58%, liquidity 42%, profitability 72%, growth against the median 76%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Sector Construction of residential and non-residential buildings (NACE 41)

In the bankruptcy model this factor raises the probability.

KBO

Founded in 2022

In the bankruptcy model this factor raises the probability for this profile.

KBO

Liquidity: current ratio 1.94, cash €45,009, halved

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Equity €142,459 (49.4% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 15-10-2025, 15 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

15 d late

2024

9 d early

← before the deadline after the deadline →

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

This company filed its last 2 accounts on average 3 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

15-10-25 Annual accounts filedfiscal year 2025 · micro…
21-09-24 Annual accounts filedfiscal year 2024 · micro…

Key points

Caution: Result fell in 2025from €96,016 to €42,442 ▼ 55.8% View
Positive: Among the best 16% on net resultsector median €8,346 · 8,193 companies €42,442 View
Total assets 20252 fiscal years filed €288,340 View