Equity
€337,134 ▲ 19.4%
CWAIN has made a profit in every financial year since 2021.
CWAIN
Lifetime
5 annual accounts with figures on one time axispeak €106,293 (2024)
€75,122▼ 29.3%
peak €79,500 (2024)
€54,868▼ 31.0%
peak €337,134 (2025)
€337,134▲ 19.4%
€177,487▲ 8.5%
Board1 name since 2020
-
Documentsfilings and deeds
27-10-202688 days late
2025micro format
Gross margin from €106,293 to €75,122Result from €79,500 to €54,868Equity from €282,266 to €337,134Investments €24,771Cash from €17,035 to €36,387
Key points
from the 2025 annual accountsTurnover
≈ €140,000 estimated
The micro format states no turnover.
Investments
€24,771 3.7 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 36.2% higher than in 2024.
Filings
5 annual accounts 88 days
Latest accounts filed late: after the legal deadline.
Starting capital
€18,000 1,800 shares
Position in the sector
€337,134
More equity than 90% of companies in computer programming and consultancy. Sector median €69,072 · 21,214 companies.
Checked score
70
Healthy
Financially stronger than 49% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024lowest value
02-2025: 0.6%● unchanged vs 01-2025lowest value
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.7%▲ +0.1 percentage points vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.7%● unchanged vs 05-2025
07-2025: 0.7%● unchanged vs 06-2025
08-2025: 1.2%▲ +0.5 percentage points vs 07-2025
09-2025: 1.6%▲ +0.4 percentage points vs 08-2025
10-2025: 2.5%▲ +0.9 percentage points vs 09-2025
11-2025: 2.7%▲ +0.2 percentage points vs 10-2025
12-2025: 3.0%▲ +0.3 percentage points vs 11-2025
01-2026: 4.6%▲ +1.6 percentage points vs 12-2025
02-2026: 4.6%● unchanged vs 01-2026
03-2026: 4.9%▲ +0.3 percentage points vs 02-2026
04-2026: 3.8%▼ -1.1 percentage points vs 03-2026
05-2026: 3.8%● unchanged vs 04-2026
06-2026: 3.7%▼ -0.1 percentage points vs 05-2026
07-2026: 3.7%● unchanged vs 06-2026
08-2026: 5.0%▲ +1.3 percentage points vs 07-2026highest value
09-2026: 5.0%● unchanged vs 08-2026highest value
10-2026: 0.6%▼ -4.4 percentage points vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 88 days late; 3 of the last 3 accounts late
Ex-officio strike-off in the KBO
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Equity €337,134 (65.5% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 58% of them on solvency, 31% on liquidity, 43% on profitability and 65% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,782 companies had the same profile as CWAIN has now. Each dot stands for 17 companies, two years later.
96.7%
were still trading
2.7%
stopped another way
0.6%
went bankrupt
That fits the bankruptcy probability of CWAIN itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,782 companies, not a prediction for CWAIN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.79 (4.28 in 2024), above the usual 1.5. Short-term debt is 23.5% and cash 7.1% of total assets. 34.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · 2025 accounts filed 88 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-10-2026, 88 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
88 days late
2024
453 days late
2023
65 days late
2022
203 days late
2021
96 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 181 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 1 notice about the company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
Searched, nothing found (1)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 November (4 of the last 5 accounts filed within 107 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
last known board- HABETS Erik Jan Jos 1,800 sharesdeed of 30-10-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0757582866
UBO non-compliance
effective 11-03-2024 · KBO administration
Registered office moved from Maasmechelen to Dilsen-Stokkem
New registered office: STOKKEMERBAAN 29 TE 3650 DILSEN-STOKKEM · Previous registered office: AKKERSTRAAT 17 TE 3630 MAASMECHELEN · General meeting of 30-06-2021 · Gazette deed
Incorporation
Founding capital of €18,000, 1,800 shares · Founder: HABETS Erik Jan Jos · Appointment: HABETS Erik Jan Jos (director) · published on 30-10-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CWAIN Dilsen-Stokkem | €514,621 | €75,122 | 65.5% | - |
| Ramblinjoe Heusden-Zolder | €439,723 | €77,874 | 34.7% | - |
| Aadya Infotech Boom | €519,724 | €78,382 | 9.5% | - |
| CHLM Sint-Gillis (bij-Brussel) | €495,073 | €70,316 | 4.2% | - |
| Kranz Wolfe Associates Leuven | €466,735 | €75,193 | 12.1% | - |
| BEDMAN Rumst | €526,908 | €73,206 | 31.3% | - |
| WILLY WAGTAIL Hemiksem | €463,261 | €79,047 | 4.6% | - |
These companies have the same main activity as CWAIN: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €440,000 and €527,000, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 28-10-2020Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Establishment unit
- 2.309.159.1353650 Dilsen-Stokkem, since 28-10-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 01-12-2025
Insights on CWAIN
CWAIN files the micro format. That format states no turnover. The gross margin rose from €73,257 in 2021 to €75,122 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CWAIN
- What is the company number of CWAIN?
- The company number of CWAIN is 0757.582.866. The VAT number is the same number with BE in front: BE 0757.582.866.
- Where is CWAIN based?
- The registered office is at Stokkemerbaan 29, 3650 Dilsen-Stokkem.Company details
- What does CWAIN do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of CWAIN?
- CWAIN is a private limited company (BV).
- When was CWAIN founded?
- CWAIN was founded on 28-10-2020.
- Is CWAIN still active?
- Yes, CWAIN is an active enterprise in the KBO register.
- What is the turnover of CWAIN?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €75,122 and 60 comparable companies (NACE 62200). It probably lies between €130,000 and €190,000.Financials
- Is CWAIN profitable?
- In financial year 2025, CWAIN made a profit of €54,868.
- Where can I find the annual accounts of CWAIN?
- CWAIN filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CWAIN due?
- CWAIN must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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