Financials
- Fiscal year
- 2025
- Turnover
- €178,091
- Profit
- €49,126
- Solvency
- 32.1%
Turnover▼ 22.6%
Net result
20222025
de ToverWijzer
ActiveSummary
de ToverWijzer has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €456,911 and a net result of €49,126. Equity is growing by ~61.9% per year across the filed fiscal years. The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Activity not known1 site
Size
€178,091turnover 2025
- Equity
- €456,911
- Profit
- €49,126
Structure
Accounts 122 d early0 of 9 deeds read
Why 94+ Legal form Non-profit association+ Size: turnover €178,091, total assets €1.4m+ Liquidity: current ratio 5.62, cash €334,579+ Figures for FY 2025 (filed 01-10-2025)Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Better than 54% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
57-5
equity 32.1% of total assets
Liquidity
79+23
short-term debt 4.2% · cash 23.5%
Profitability
82-5
return on assets 3.5%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%highest value
12-2024: 0.1%● 0.0% vs 11-2024highest value
01-2025: 0.1%● 0.0% vs 12-2024highest value
02-2025: 0.1%● 0.0% vs 01-2025highest value
03-2025: 0.1%● 0.0% vs 02-2025highest value
04-2025: 0.1%● 0.0% vs 03-2025highest value
05-2025: < 0.1%▼ -5.7% vs 04-2025
06-2025: < 0.1%● 0.0% vs 05-2025
07-2025: < 0.1%▼ -2.0% vs 06-2025
08-2025: < 0.1%● 0.0% vs 07-2025
09-2025: < 0.1%▼ -40.8% vs 08-2025
10-2025: < 0.1%▼ -3.4% vs 09-2025
11-2025: < 0.1%▼ -35.7% vs 10-2025lowest value
12-2025: < 0.1%● 0.0% vs 11-2025lowest value
01-2026: < 0.1%● 0.0% vs 12-2025lowest value
02-2026: < 0.1%● 0.0% vs 01-2026lowest value
03-2026: < 0.1%● 0.0% vs 02-2026lowest value
04-2026: < 0.1%● 0.0% vs 03-2026lowest value
05-2026: < 0.1%● 0.0% vs 04-2026lowest value
06-2026: < 0.1%● 0.0% vs 05-2026lowest value
07-2026: < 0.1%● 0.0% vs 06-2026lowest value
08-2026: < 0.1%● 0.0% vs 07-2026lowest value
09-2026: < 0.1%▲ +5.6% vs 08-2026
10-2026: < 0.1%● 0.0% vs 09-2026
- Legal form Non-profit association lowers the probability
- Size: turnover €178,091, total assets €1.4m lowers the probability for this profile
- Liquidity: current ratio 5.62, cash €334,579 lowers the probability
- Figures for FY 2025 (filed 01-10-2025) lowers the probability
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 5.62 against 1.06 in 2024; short-term debt: 4.2% and cash: 23.5% of total assets), but 67.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 34%, liquidity 73%, profitability 65%, growth against the median 44%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○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 01-10-2025, 122 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
122 d early
2024
170 d early
2023
113 d early
2022
117 d early
2021
39 d early
2020
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 6 accounts on average 99 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 6 October (4 of the last 5 filed years within 53 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close04-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Liquidity times 5current ratio 5.62
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 10
- Since
- 2021
- Next accounts
- by 31-01-2027
- 01-10-2025Annual accounts filed
- 30-06-2025Liquidity times 5
- 14-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Non-profit association
- Founded
- 22-09-2017
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
Go further with this company
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