Summary
Bert Wouters is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €190k and a net result of €123k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 2435 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 06-05-2026, 86 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
86 d early
2024
27 d late
2023
23 d late
2022
95 d late
2021
47 d late
2020
213 d late
2019
384 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€190k▲ 32.4%
2024 · €143k
2018: €65k
2019: €121k
2020: €123k
2021: €110k
2022: €111k
2023: €127k
2024: €143k
2018 → 2025
Net result
€123k▲ 68.1%
2024 · €73k
2018: €43k
2019: €56k
2020: €3k
2021: €31k
2022: €158
2023: €28k
2024: €73k
2018 → 2025
Total assets
€430k▲ 1.9%
2024 · €422k
2018: €548k
2019: €576k
2020: €540k
2021: €497k
2022: €423k
2023: €451k
2024: €422k
2018 → 2025
Solvency
44.1%▲ 10.1pp
2024 · 33.9%
2018: 11.8%
2019: 21.0%
2020: 22.9%
2021: 22.2%
2022: 26.2%
2023: 28.2%
2024: 33.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€111k▲ 0.1%€127k▲ 15.0%€143k▲ 12.6%€190k▲ 32.4%
Operating result€52k-€25k▼ 52.6%€43k▲ 71.4%€104k▲ 144%€164k▲ 58.4%
Net result€31k-€158▼ 99.5%€28k▲ 17,664%€73k▲ 160%€123k▲ 68.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 58% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €430k
Fixed assets
€188k ▼ 19.7%
Current assets
€243k ▲ 28.8%
Equity and liabilities €430k
Equity
€190k ▲ 32.4%
Debt
€241k ▼ 13.7%
Debt's share of the balance-sheet total falls from 66.1% to 55.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
64.8%▲
2024 · 51.1%
ROA
28.6%▲
2024 · 17.3%
Debt ≤ 1 year
€129k▼
2024 · €130k
Debt > 1 year
€107k▼
2024 · €144k
Income taxes
€40k▲
2024 · €27k
Staff costs
€161k▼
2024 · €185k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€422k€430k▲
Fixed assets21/28€234k€188k▼
Intangible fixed assets21€90k€60k▼
Tangible fixed assets22/27€144k€128k▼
Plant, machinery and equipment23€138k€124k▼
Furniture and vehicles24€6k€3k▼
Current assets29/58€188k€243k▲
Amounts receivable within one year40/41€110k€64k▼
Trade receivables40€43k€45k▲
Other amounts receivable41€67k€19k▼
Current investments50/53€47k€63k▲
Cash at bank and in hand54/58€31k€114k▲
Deferred charges and accrued income490/1€413€2k▲
Equity and liabilities
Total equity and liabilities10/49€422k€430k▲
Equity10/15€143k€190k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€75k€95k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€74k€94k▲
Profit (loss) carried forward14€49k€76k▲
Amounts payable17/49€279k€241k▼
Amounts payable after more than one year17€144k€107k▼
Financial debts170/4€144k€107k▼
Amounts payable within one year42/48€130k€129k▼
Current portion of amounts payable after more than one year42€36k€37k▲
Trade debts44€9k€23k▲
Suppliers440/4€9k€23k▲
Taxes, remuneration and social security45€36k€44k▲
Taxes450/3€19k€25k▲
Remuneration and social security454/9€18k€19k▲
Other amounts payable47/48€49k€26k▼
Accrued charges and deferred income492/3€5k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€185k€161k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€67k▲
Other operating charges640/8€975€933▼
Non-recurring operating charges66A€11k-
Gross operating margin9900€366k€393k▲
Operating profit (loss)9901€104k€164k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€100k€163k▲
Income taxes67/77€27k€40k▲
Profit (loss) for the period9904€73k€123k▲
Profit (loss) for the period to be appropriated9905€73k€123k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€172k▲
Profit (loss) brought forward from the previous period14P€48k€49k▲
Transfer to equity691/2€15k€20k▲
To other reserves6921€15k€20k▲
Profit to be distributed694/7€57k€77k▲
Return on contributions (dividend)694€57k€77k▲
The notes to these accounts (8 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
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €123k ▲68.1%
Operating result €164k, net result €123k, both a record.
31-12
Financial
Equity above €150kEq €190k ▲32.4%
8 profitable years in a row build equity to €190k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 95 days late
2022
31-12
Financial
Weakest financial yearnet €158 ▼99.5%
Net result drops to €158, the lowest in the series; recovery starts the following year.
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 47 days late
01-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 213 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 384 days late
03-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 734 days late
29-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1094 days late
2019
31-12
Financial
Equity above €100kEq €121k ▲86.2%
2 profitable years in a row build equity to €121k.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Beerse · 1 establishment unit since 2016
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.
Bisschopslaan 342340 BeerseGround area
791 m²
Building footprint
356 m²
Volume, LiDAR
1,010 m³
Parcel 13004C0100/00E002, Flanders · tallest building 13.0 m. Linked by address, not a title deed.
1 establishment unit
Advieskantoor Wouters
since 20162.258.494.847
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004C0100/00E002 | Flanders | 791 m² | 1 · 356 m² | 13.0 m |
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.
Similar companies · same sector, comparable size
BUREAU MEUREZ-PONCELET
BE 0465.148.751
La Roche-en-Ardenne · Eq €190,197
A GROUP
BE 0898.859.606
Oudsbergen · Eq €188,785
VERREZEN
BE 0440.718.213
Herentals · Eq €188,767
LANNOO - BRUYNINCKX
BE 0440.781.856
Sint-Laureins · Eq €191,622
DHS Finances
BE 0632.969.441
Assesse · Eq €191,683
Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,116 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2016
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bert.wouters@argenta.be
Phone:014/611650