CW SERVICES
ActiveCW SERVICES has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €28k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 6.96 against 6.8 in 2024), and 14.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.8%
Return on assets
23.6%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-02-2026, 25 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
45 d early
2023
2 d early
2022
on the day
2021
40 d early
2020
39 d early
2019
22 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 33.2%
2024 · €76k
2019: €35k
2020: €42k
2021: €54k
2022: €51k
2023: €59k
2024: €76k
2019 → 2025
Total assets
€117k▲ 34.3%
2024 · €87k
2019: €63k
2020: €63k
2021: €84k
2022: €77k
2023: €85k
2024: €87k
2019 → 2025
Net result
€28k▲ 52.0%
2024 · €18k
2019: €3k
2020: €7k
2021: €12k
2022: €8k
2023: €22k
2024: €18k
2019 → 2025
Working capital
€99k▲ 44.7%
2024 · €69k
2019: €31k
2020: €36k
2021: €48k
2022: €43k
2023: €47k
2024: €69k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€51k▼ 5.5%€59k▲ 15.2%€76k▲ 28.6%€101k▲ 33.2%
Operating result€16k-€11k▼ 32.4%€31k▲ 183%€25k▼ 19.4%€40k▲ 60.3%
Net result€12k-€8k▼ 38.7%€22k▲ 194%€18k▼ 17.8%€28k▲ 52.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 60% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€1k▼ 79.5%
Current assets
€116k▲ 44.2%
Equity and liabilities €117k
Equity
€101k▲ 33.2%
Debt
€17k▲ 41.1%
The debt ratio rises from 13.5% to 14.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€46k▲
2024 · €31k
Cash flow
€33k▲
2024 · €24k
Solvency
85.8%▼
2024 · 86.5%
Current ratio
6.96▲
2024 · 6.80
Quick ratio
6.96▲
2024 · 6.80
Debt / equity
0.17▲
2024 · 0.16
ROE
27.5%▲
2024 · 24.1%
ROA
23.6%▲
2024 · 20.9%
Interest coverage
276.93▲
2024 · 89.40
Debt
€17k▲
2024 · €12k
Debt ≤ 1 year
€17k▲
2024 · €12k
Income taxes
€13k▲
2024 · €7k
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€87k€117k▲
Fixed assets21/28€7k€1k▼
Tangible fixed assets22/27€7k€1k▼
Plant, machinery and equipment23€2k€889▼
Furniture and vehicles24€5k€543▼
Current assets29/58€80k€116k▲
Amounts receivable within one year40/41€7k€2k▼
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€72k€113k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€87k€117k▲
Equity10/15€76k€101k▲
Contributions10/11€6k€6k=
Outside capital11-€6k
Other1109/19-€6k
Reserves13€69k€94k▲
Distributable reserves133€69k€94k▲
Profit (loss) carried forward14€-67-
Amounts payable17/49€12k€17k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€12k€17k▲
Current portion of amounts payable after more than one year42€898-
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€2k€7k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€2k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€348-
Gross operating margin9900€32k€47k▲
Operating profit (loss)9901€25k€40k▲
Financial income75/76B€456€421▼
Recurring financial income75€456€421▼
Financial charges65/66B€344€166▼
Recurring financial charges65€344€166▼
Profit (loss) for the period before taxes9903€25k€41k▲
Income taxes67/77€7k€13k▲
Profit (loss) for the period9904€18k€28k▲
Profit (loss) for the period to be appropriated9905€18k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€28k▲
Transfer from equity791/2€1k€3k▲
Transfer to equity691/2€18k€28k▲
To other reserves6921€18k€28k▲
Profit to be distributed694/7€1k€3k▲
Return on contributions (dividend)694€1k€3k▲
The notes to these accounts (10 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
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
30-06
Financial
Highest result since 2019net €28k ▲52%
Operating result €40k, net result €28k, both a record.
30-06
Financial
Equity above €100kEq €101k ▲33.2%
7 profitable years in a row build equity to €101k.
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 6.80
Current ratio from 2.86 to 6.80; short-term debt falls from €25k to €12k.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
22-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 22 days late
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Sint-Truiden · 1 establishment unit since 2015
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.
Groot-Gelmenlaan 1693800 Sint-TruidenGround area
648 m²
Building footprint
115 m²
Volume, LiDAR
936 m³
Parcel 71019B0339/00T000, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CW SERVICES
since 20152.241.230.134
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71019B0339/00T000 | Flanders | 648 m² | 1 · 115 m² | 11.4 m · 3 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.
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Bocholt · Eq €100k
D'ADDAMIO ENRICO CHAUFFAGE SANITAIRE
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Assesse · Eq €101k
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Genk · Eq €100k
Of 9,475 companies in sector 43222 we hold annual accounts for 5,625. 4,877 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2015
Fiscal year end30-06
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
33110Repair and maintenance of fabricated metal products
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.