Financials
- Fiscal year
- 2025
- Total assets
- €304,584
- Loss
- -€12,234
- Solvency
- 29.7%
Total assets▲ 24.3%
Net result
20182025
Summary
BW FINANCES 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 €90,458 and a net result of -€12,234. Equity is shrinking by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 31% of 40 sector peers (NACE 65, fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance, reinsurance and pension funding, except compulsory social security
NACE 65122Other activities auxiliary to financial services, excluding insurance and pension funding NACE 66199
1 site
Size
€304,584total assets 2025
- Staff
- 1.6 FTE
- Equity
- €90,458
- Loss
- -€12,234
Financial health
Financial institution: outside the modelProbability: sector outside the model
Structure
- Largest shareholder
- NdB Projects · 50%
Accounts 6 days early0 of 8 deeds read
SignalsLatest accounts filed on timeShow the evidence
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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
1 signal.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-01-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 days early
2024
4 days early
2023
90 days early
2022
on the day
2021
on the day
2020
2 days early
2018
30 days late
← 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 10 days before the deadline; the sector median for financial year 2024 is 29 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 27 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close07-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Weakest financial yearnet -€12,234
- Annual accounts filedfiscal year 2024 · full…
Key points
By topic
Board & ownership
- Largest shareholder
- NdB Projects · 50%
Timeline
- Events
- 14
- Since
- 2016
- Next accounts
- by 31-01-2027
- 30-06-2024Equity above €100,000
- 02-11-2023Annual accounts filed
- 31-01-2023Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Insurance, reinsurance and pension funding, except compulsory social…NACE 65122
- Founded
- 09-07-2014
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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