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C.W.P.

Active
Private limited companyfounded 201313 yrs activeRue des Bleuets(MLZ) 1, 7140 Morlanwelz, BelgiumKBO/BCE: BE 0535.797.217

C.W.P. has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €12k. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 36% of 6965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Checked score

Score 2025
83 / 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+42
Solvency68▼-32
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 4.94 in 2024), but 64.2% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
35.8%
Return on assets
8.3%
Age of the figures
8 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 13 years 0 20 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
18 d early
2024
60 d late
2023
29 d early
2022
27 d early
2021
23 d early
2020
22 d early
2019
14 d early
← before the deadline after the deadline →
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 months
Position in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

Financials · fiscal year 2025, micro schema

Equity
€51k▼ 52.8%
2024 · €108k
2018: €35k 2019: €38k 2020: €43k 2021: €88k 2022: €104k 2023: €100k 2024: €108k
2018 → 2025
Total assets
€142k▲ 5.1%
2024 · €135k
2018: €102k 2019: €115k 2020: €125k 2021: €181k 2022: €183k 2023: €148k 2024: €135k
2018 → 2025
Net result
€12k▼ 6.2%
2024 · €13k
2018: €5k 2019: €3k 2020: €5k 2021: €45k 2022: €15k 2023: €238 2024: €13k
2018 → 2025
Working capital
€51k▼ 52.8%
2024 · €108k
2018: €35k 2019: €43k 2020: €52k 2021: €101k 2022: €119k 2023: €96k 2024: €108k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€88k-€104k▲ 17.4%€100k▼ 3.0%€108k▲ 7.4%€51k▼ 52.8%
Operating result€61k-€21k▼ 65.4%€807▼ 96.2%€17k▲ 2,056%€16k▼ 8.2%
Net result€45k-€15k▼ 65.9%€238▼ 98.5%€13k▲ 5,177%€12k▼ 6.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20k€40k€60kOperating result 2021: €61k€61kNet result 2021: €45k€45kOperating result 2022: €21k€21kNet result 2022: €15k€15kOperating result 2023: €807€807Net result 2023: €238€238Operating result 2024: €17k€17kNet result 2024: €13k€13kOperating result 2025: €16k€16kNet result 2025: €12k€12k20212022202320242025
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €142k
Equity €51k▼ 52.8%
Debt €91k▲ 232%
The debt ratio rises from 20.3% to 64.2%: debt grows while equity shrinks.
Key figures and ratios
2025 value · change against 2024
EBITDA
€16k
2024 · €27k
Cash flow
€12k
2024 · €22k
Solvency
35.8%
2024 · 79.7%
Current ratio
1.56
2024 · 4.94
Quick ratio
1.56
2024 · 4.94
Debt / equity
1.79
2024 · 0.26
ROE
23.1%
2024 · 11.6%
ROA
8.3%
2024 · 9.3%
Interest coverage
27.67
2024 · 35.55
Debt
€91k
2024 · €28k
Debt ≤ 1 year
€91k
2024 · €27k
Income taxes
€7k
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet Code20242025
Assets
Total assets20/58€135k€142k
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€135k€142k
Amounts receivable after more than one year29€80k€80k=
Other amounts receivable291€80k€80k=
Amounts receivable within one year40/41€32k€48k
Trade receivables40€10k€10k
Other amounts receivable41€22k€38k
Cash at bank and in hand54/58€22k€13k
Deferred charges and accrued income490/1€835€2k
Equity and liabilities
Total equity and liabilities10/49€135k€142k
Equity10/15€108k€51k
Contributions10/11€6k€6k=
Reserves13€101k€44k
Distributable reserves133€101k€44k
Profit (loss) carried forward14€289€289=
Amounts payable17/49€28k€91k
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€27k€91k
Current portion of amounts payable after more than one year42€6k€0
Financial debts43€551€1k
Credit institutions430/8€551€1k
Trade debts44€8k€908
Suppliers440/4€8k€908
Advances received on contracts in progress46€8k€8k=
Taxes, remuneration and social security45€5k€16k
Taxes450/3€5k€13k
Remuneration and social security454/9-€3k
Other amounts payable47/48€0€66k
Accrued charges and deferred income492/3€112€0
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€0
Other operating charges640/8€998€2k
Gross operating margin9900€28k€18k
Operating profit (loss)9901€17k€16k
Financial income75/76B€4k€4k=
Recurring financial income75€4k€4k=
Financial charges65/66B€767€577
Recurring financial charges65€767€577
Profit (loss) for the period before taxes9903€20k€19k
Income taxes67/77€8k€7k
Profit (loss) for the period9904€13k€12k
Profit (loss) for the period to be appropriated9905€13k€12k
Appropriation of the result
Profit (loss) to be appropriated9906€13k€12k
Profit (loss) brought forward from the previous period14P€289€289=
Transfer from equity791/2€5k€69k
Transfer to equity691/2€13k€12k
To other reserves6921€13k€12k
Profit to be distributed694/7€5k€69k
Return on contributions (dividend)694€5k€69k

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
13-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
29-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
02-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Weakest financial yearnet €238 ▼98.5%
Net result drops to €238, the lowest in the series; recovery starts the following year.
04-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Equity above €100kEq €104k ▲17.4%
5 profitable years in a row build equity to €104k.
08-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial Highest result since 2018net €45k ▲754%
Operating result €61k, net result €45k, both a record.
09-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
21-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
04-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
30-11
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 122 days late
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, Morlanwelz · 1 establishment unit since 2013
establishment The establishment unit on the map
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.

Rue des Bleuets(MLZ) 17140 Morlanwelz
Ground area
1,896 m²
Building footprint
167 m²
Volume, LiDAR
817 m³
Parcel 56057A0122/00N019, Wallonia · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C.W.P.
Rue des Bleuets(MLZ) 1, 7140 MorlanwelzFinancial service activities, except insurance and pension funding
since 20132.220.256.952
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56057A0122/00N019 Wallonia 1,896 m² 1 · 167 m² 6.0 m · 2 fl.
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.

Recognitions · licences · registrations

Legal Entity Identifier

984500M90AFA9FB0CG07
live in the LEI register

Similar companies · same sector, comparable size

Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 5,479 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded19-06-2013
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.