mWILMART 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 €80k and a net result of €17k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 2435 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 10-10-2025, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
17 d early
2023
4 d early
2022
38 d early
2021
45 d early
2020
9 d late
2019
14 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close23-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 1.9%
2024 · €78k
2019: €45k
2020: €43k
2021: €44k
2022: €48k
2023: €52k
2024: €78k
2019 → 2025
Net result
€17k▼ 32.1%
2024 · €26k
2019: €43k
2020: €27k
2021: €41k
2022: €27k
2023: €31k
2024: €26k
2019 → 2025
Total assets
€96k▼ 5.6%
2024 · €102k
2019: €89k
2020: €78k
2021: €91k
2022: €96k
2023: €93k
2024: €102k
2019 → 2025
Solvency
83.1%▲ 6.1pp
2024 · 77.0%
2019: 50.6%
2020: 54.3%
2021: 48.2%
2022: 49.9%
2023: 56.5%
2024: 77.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€48k▲ 8.8%€52k▲ 9.2%€78k▲ 49.2%€80k▲ 1.9%
Operating result€42k-€29k▼ 29.6%€34k▲ 15.0%€39k▲ 15.3%€27k▼ 30.8%
Net result€41k-€27k▼ 35.2%€31k▲ 16.8%€26k▼ 17.9%€17k▼ 32.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€12k▼ 18.5%
Current assets
€84k▼ 3.3%
Equity and liabilities €96k
Equity
€80k▲ 1.9%
Debt
€16k▼ 30.6%
The debt ratio falls from 23.0% to 16.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
83.1%▲
2024 · 77.0%
ROE
22.0%▼
2024 · 33.0%
ROA
18.2%▼
2024 · 25.4%
Debt
€16k▼
2024 · €23k
Debt ≤ 1 year
€16k▼
2024 · €23k
Income taxes
€11k▼
2024 · €14k
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€102k€96k▼
Fixed assets21/28€15k€12k▼
Tangible fixed assets22/27€15k€12k▼
Plant, machinery and equipment23€353€262▼
Other tangible fixed assets26€15k€12k▼
Current assets29/58€86k€84k▼
Amounts receivable within one year40/41€57k€60k▲
Trade receivables40€13k€8k▼
Other amounts receivable41€44k€52k▲
Cash at bank and in hand54/58€30k€17k▼
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€102k€96k▼
Equity10/15€78k€80k▲
Contributions10/11€6k€6k=
Reserves13€56k€73k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€54k€73k▲
Profit (loss) carried forward14€16k€2▼
Amounts payable17/49€23k€16k▼
Amounts payable within one year42/48€23k€16k▼
Trade debts44€1k€256▼
Suppliers440/4€1k€256▼
Taxes, remuneration and social security45€22k€16k▼
Taxes450/3€22k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€964€629▼
Gross operating margin9900€43k€30k▼
Operating profit (loss)9901€39k€27k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€39k€28k▼
Income taxes67/77€14k€11k▼
Profit (loss) for the period9904€26k€17k▼
Profit (loss) for the period to be appropriated9905€26k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€34k▼
Profit (loss) brought forward from the previous period14P€16k€16k▲
Transfer to equity691/2€26k€18k▼
To other reserves6921€26k€18k▼
Profit to be distributed694/7-€16k
Return on contributions (dividend)694-€16k
The notes to these accounts (5 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
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €17k ▼32.1%
Net result drops to €17k, the lowest in the series.
2024
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2019
17-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
18-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Villers-la-Ville · 1 establishment unit since 2009
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.
Avenue des Elfes 101495 Villers-la-VilleGround area
1,814 m²
Building footprint
130 m²
Volume, LiDAR
693 m³
Parcel 25098A0035/00D002, Wallonia · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
mWILMART
since 20092.190.439.152
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25098A0035/00D002 | Wallonia | 1,814 m² | 1 · 130 m² | 6.5 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.
Similar companies · same sector, comparable size
CLIMAN EXPERTISES
BE 1017.603.244
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EXPERTISEBUREAU de KORT
BE 0449.940.834
Zoersel · Eq €79k
TECHNISERVE
BE 0694.678.861
Lievegem · Eq €79k
E.P.E. & PARTNERS
BE 0879.152.669
Hasselt · Eq €81k
NJORD SURVEYS
BE 1021.908.757
Stabroek · Eq €78k
Of 853 companies in sector 66210 we hold annual accounts for 511. 435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2009
Fiscal year end31-03
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:mwilmart@skynet.be
Phone:0479/522.560
Phone:067/78.04.98