Summary
BNWA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €61,109 and a net result of €20,716. Equity is growing by ~54.5% per year across the filed fiscal years. Its solvency ranks better than 49% of 9872 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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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 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
40 d early
2022
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 34 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€61,109▲ 51.3%
2023 · €40,393
Net result
€20,716▼ 11.1%
2023 · €23,315
Total assets
€112,985▲ 18.7%
2023 · €95,199
Solvency
54.1%▲ 11.7pp
2023 · 42.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line202220232024
Operating result€17,743-€31,296▲ 76.4%€28,673▼ 8.4%
Net result€12,078within the sector's middle half-€23,315within the sector's middle half▲ 93.0%€20,716within the sector's middle half▼ 11.1%
Equity€17,078below the sector's middle half-€40,393below the sector's middle half▲ 137%€61,109within the sector's middle half▲ 51.3%
Total assets€40,003below the sector's middle half-€95,199below the sector's middle half▲ 138%€112,985below the sector's middle half▲ 18.7%
Debt€22,925-€54,805▲ 139%€51,875▼ 5.3%
Working capital€6,404within the sector's middle half-€23,516within the sector's middle half▲ 267%€41,331within the sector's middle half▲ 75.8%
Solvency42.7%within the sector's middle half-42.4%within the sector's middle half▼ 0.3pp54.1%within the sector's middle half▲ 11.7pp
Current ratio1.28within the sector's middle half-2.05within the sector's middle half▲ 0.772.46within the sector's middle half▲ 0.41
Return on assets (ROA)30.2%above the sector's middle half-24.5%within the sector's middle half▼ 5.7pp18.3%within the sector's middle half▼ 6.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 8% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €112,985
Fixed assets
€43,381 ▼ 12.0%
Current assets
€69,604 ▲ 51.6%
Equity and liabilities €112,985
Equity
€61,109 ▲ 51.3%
Debt
€51,875 ▼ 5.3%
Debt's share of the balance-sheet total falls from 57.6% to 45.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
33.9%▼
2023 · 57.7%
Debt ≤ 1 year
€28,273▲
2023 · €22,391
Debt > 1 year
€23,602▼
2023 · €32,414
Income taxes
€6,151▼
2023 · €6,712
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,902 | €6,991 | €12,183 | ▲ 74.3% |
| Other operating charges640/8 | €848 | €554 | €553 | ▼ 0.1% |
| Gross operating margin9900 | €24,493 | €38,841 | €41,409 | ▲ 6.6% |
| Operating profit (loss)9901 | €17,743 | €31,296 | €28,673 | ▼ 8.4% |
| Financial charges65/66B | €420 | €1,269 | €1,806 | ▲ 42.3% |
| Recurring financial charges65 | €420 | €1,269 | €1,806 | ▲ 42.3% |
| Profit (loss) for the period before taxes9903 | €17,324 | €30,027 | €26,867 | ▼ 10.5% |
| Income taxes67/77 | €5,245 | €6,712 | €6,151 | ▼ 8.4% |
| Profit (loss) for the period9904 | €12,078 | €23,315 | €20,716 | ▼ 11.1% |
| Profit (loss) for the period to be appropriated9905 | €12,078 | €23,315 | €20,716 | ▼ 11.1% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €40,003 | €95,199 | €112,985 | ▲ 18.7% |
| Fixed assets21/28 | €10,674 | €49,291 | €43,381 | ▼ 12.0% |
| Tangible fixed assets22/27 | €10,674 | €49,291 | €43,381 | ▼ 12.0% |
| Furniture and vehicles24 | €10,674 | €49,291 | €43,381 | ▼ 12.0% |
| Current assets29/58 | €29,329 | €45,908 | €69,604 | ▲ 51.6% |
| Amounts receivable within one year40/41 | €4,600 | €20,236 | €25,318 | ▲ 25.1% |
| Trade receivables40 | €245 | €15,881 | €15,869 | ▼ 0.1% |
| Other amounts receivable41 | €4,355 | €4,355 | €9,449 | ▲ 117% |
| Cash at bank and in hand54/58 | €24,273 | €25,203 | €43,618 | ▲ 73.1% |
| Deferred charges and accrued income490/1 | €457 | €469 | €668 | ▲ 42.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €40,003 | €95,199 | €112,985 | ▲ 18.7% |
| Equity10/15 | €17,078 | €40,393 | €61,109 | ▲ 51.3% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €12,078 | €35,393 | €56,109 | ▲ 58.5% |
| Distributable reserves133 | €12,078 | €35,393 | €56,109 | ▲ 58.5% |
| Amounts payable17/49 | €22,925 | €54,805 | €51,875 | ▼ 5.3% |
| Amounts payable after more than one year17 | - | €32,414 | €23,602 | ▼ 27.2% |
| Financial debts170/4 | - | €32,414 | €23,602 | ▼ 27.2% |
| Amounts payable within one year42/48 | €22,925 | €22,391 | €28,273 | ▲ 26.3% |
| Current portion of amounts payable after more than one year42 | €6,232 | €10,499 | €13,697 | ▲ 30.5% |
| Trade debts44 | €450 | €1,083 | €206 | ▼ 81.0% |
| Suppliers440/4 | €450 | €1,083 | €206 | ▼ 81.0% |
| Taxes, remuneration and social security45 | €11,735 | €5,121 | €7,738 | ▲ 51.1% |
| Taxes450/3 | €11,735 | €5,121 | €7,738 | ▲ 51.1% |
| Other amounts payable47/48 | €4,507 | €5,689 | €6,632 | ▲ 16.6% |
| Line | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,078 | €23,315 | €20,716 | ▼ 11.1% |
| + Depreciation and write-downs630 | €5,902 | €6,991 | €12,183 | ▲ 74.3% |
| Operating cash flow (approximation) | €17,980 | €30,306 | €32,899 | ▲ 8.6% |
| Investment in fixed assets (approximation) | - | -€45,608 | -€6,273 | ▲ 86.2% |
| Change in cash | - | €930 | €18,415 | ▲ 1,880% |
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
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €23,315 ▲93%
Operating result €31,296, net result €23,315, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Gent · 1 establishment unit since 2021
Ground area
4,806 m²
Building footprint
4,801 m²
Parcel 44802B1675/00S000, Flanders. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
BNWA
since 20212.321.856.732
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44802B1675/00S000 | Flanders | 4,806 m² | 1 · 4,801 m² | - |
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 806 companies in sector 64999 we hold annual accounts for 487. 300 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
Founded22-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
Contact
E-mail
youri@bnwa.be
Phone
+32474296431Gent
E-invoicing
Reachable via Peppol
Peppol ID
0208:0774437409
Also
9925:BE0774437409
Registered
03-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.