SALESWISE
ActiveSummary
SALESWISE has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €301,137 and a net result of €584,764. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 26% of 693 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency49▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23,000 at 30 days acceptable
Liquidity tight (current ratio 1.29 against 1.39 in 2024; short-term debt: 76.2% and cash: 36% of total assets), and 76.3% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← 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
23.7%
Return on assets
46.1%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
2 d early
2024
8 d early
2023
1 d early
2022
3 d early
2021
2 d early
2020
1 d early
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 3 days before the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#8 fastest grower in the province of Antwerp, Education sector
Equity
€301,137▼ 28.2%
2024 · €419,482
Total assets
€1.3m▼ 22.7%
2024 · €1.6m
Net result
€584,764▼ 30.0%
2024 · €834,928
Working capital
€284,827▼ 37.5%
2024 · €455,515
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1.0m▲ 144%€1.1m▲ 10.1%€614,648▼ 45.6%€1.2m▲ 88.8%€806,639▼ 30.5%
Net result€751,538above the sector's middle half▲ 171%€825,747above the sector's middle half▲ 9.9%€437,153above the sector's middle half▼ 47.1%€834,928above the sector's middle half▲ 91.0%€584,764above the sector's middle half▼ 30.0%
Equity€557,059within the sector's middle half=€567,059within the sector's middle half▲ 1.8%€520,866within the sector's middle half▼ 8.1%€419,482within the sector's middle half▼ 19.5%€301,137within the sector's middle half▼ 28.2%
Total assets€1.5mwithin the sector's middle half▲ 55.7%€1.7mwithin the sector's middle half▲ 9.7%€1.3mwithin the sector's middle half▼ 24.6%€1.6mwithin the sector's middle half▲ 28.5%€1.3mwithin the sector's middle half▼ 22.7%
Debt€985,850▲ 127%€1.1m▲ 14.1%€755,655▼ 32.8%€1.2m▲ 61.6%€967,069▼ 20.8%
Working capital€573,251within the sector's middle half▼ 12.1%€552,374within the sector's middle half▼ 3.6%€526,822within the sector's middle half▼ 4.6%€455,515within the sector's middle half▼ 13.5%€284,827within the sector's middle half▼ 37.5%
Solvency36.1%within the sector's middle half▼ 20.1pp33.5%below the sector's middle half▼ 2.6pp40.8%within the sector's middle half▲ 7.3pp25.6%below the sector's middle half▼ 15.2pp23.7%within the sector's middle half▼ 1.8pp
Current ratio1.60below the sector's middle half▼ 1.401.49below the sector's middle half▼ 0.111.71within the sector's middle half▲ 0.221.39below the sector's middle half▼ 0.321.29within the sector's middle half▼ 0.09
Return on assets (ROA)48.7%above the sector's middle half▲ 20.7pp48.8%above the sector's middle half▲ 0.1pp34.2%above the sector's middle half▼ 14.6pp50.9%above the sector's middle half▲ 16.6pp46.1%above the sector's middle half▼ 4.8pp
Staff (FTE)18.4within the sector's middle half▲ 37.3%21.8within the sector's middle half▲ 18.5%22above the sector's middle half▲ 0.9%22.3above the sector's middle half▲ 1.4%24.9above the sector's middle half▲ 11.7%
above
within
below
the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€17,579 ▲ 25.8%
Current assets
€1.3m ▼ 23.1%
Equity and liabilities €1.3m
Equity
€301,137 ▼ 28.2%
Debt
€967,069 ▼ 20.8%
Debt's share of the balance-sheet total rises from 74.4% to 76.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€816,683▼
2024 · €1.2m
Cash flow
€594,808▼
2024 · €844,357
Debt to equity
3.21▲
2024 · 2.91
ROE
194.2%▼
2024 · 199.0%
Interest coverage
21.40▼
2024 · 38.53
Debt ≤ 1 year
€965,800▼
2024 · €1.2m
Income taxes
€212,157▼
2024 · €295,091
Staff costs
€1.4m▲
2024 · €1.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,609 companies that looked in July 2024 the way this one looks now, 1.0% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.0%
went bankrupt
2.1%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,609 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €292 | €6,004 | €31,863 | - | €95 | - |
| Remuneration, social security and pensions62 | €893,569 | €1.1m | €1.2m | €1.1m | €1.4m | ▲ 21.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,674 | €5,101 | €7,169 | €9,430 | €10,045 | ▲ 6.5% |
| Other operating charges640/8 | €13,948 | €15,657 | €17,051 | €22,751 | €25,077 | ▲ 10.2% |
| Non-recurring operating charges66A | - | - | €45,019 | - | - | - |
| Gross operating margin9900 | €1.9m | €2.2m | €1.9m | €2.3m | €2.2m | ▼ 4.6% |
| Operating profit (loss)9901 | €1.0m | €1.1m | €614,648 | €1.2m | €806,639 | ▼ 30.5% |
| Financial income75/76B | €28 | €148 | €3,640 | €6 | €28,447 | ▲ 446,479% |
| Recurring financial income75 | €28 | €148 | €3,640 | €6 | €8,216 | ▲ 128,879% |
| Non-recurring financial income76B | - | - | - | - | €20,231 | - |
| Financial charges65/66B | €11,633 | €14,723 | €18,022 | €30,357 | €38,165 | ▲ 25.7% |
| Recurring financial charges65 | €11,633 | €14,723 | €18,022 | €30,357 | €38,165 | ▲ 25.7% |
| Profit (loss) for the period before taxes9903 | €1.0m | €1.1m | €600,265 | €1.1m | €796,921 | ▼ 29.5% |
| Income taxes67/77 | €263,951 | €290,137 | €163,112 | €295,091 | €212,157 | ▼ 28.1% |
| Profit (loss) for the period9904 | €751,538 | €825,747 | €437,153 | €834,928 | €584,764 | ▼ 30.0% |
| Profit (loss) for the period to be appropriated9905 | €751,538 | €825,747 | €437,153 | €834,928 | €584,764 | ▼ 30.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €1.7m | €1.3m | €1.6m | €1.3m | ▼ 22.7% |
| Fixed assets21/28 | €9,839 | €15,172 | €8,003 | €13,973 | €17,579 | ▲ 25.8% |
| Tangible fixed assets22/27 | €9,839 | €15,172 | €8,003 | €13,973 | €17,579 | ▲ 25.8% |
| Furniture and vehicles24 | €9,839 | €15,172 | €8,003 | €13,973 | €17,579 | ▲ 25.8% |
| Current assets29/58 | €1.5m | €1.7m | €1.3m | €1.6m | €1.3m | ▼ 23.1% |
| Amounts receivable after more than one year29 | €296,411 | €270,000 | €207,809 | €195,460 | €122,104 | ▼ 37.5% |
| Other amounts receivable291 | €296,411 | €270,000 | €207,809 | €195,460 | €122,104 | ▼ 37.5% |
| Amounts receivable within one year40/41 | €455,898 | €600,600 | €724,987 | €567,842 | €496,011 | ▼ 12.6% |
| Trade receivables40 | €453,158 | €594,318 | €503,672 | €561,415 | €449,367 | ▼ 20.0% |
| Other amounts receivable41 | €2,741 | €6,282 | €221,315 | €6,427 | €46,643 | ▲ 626% |
| Current investments50/53 | - | - | €138,695 | €513,695 | €138,695 | ▼ 73.0% |
| Cash at bank and in hand54/58 | €764,402 | €790,220 | €158,146 | €305,276 | €456,488 | ▲ 49.5% |
| Deferred charges and accrued income490/1 | €16,359 | €16,166 | €38,880 | €44,444 | €37,330 | ▼ 16.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €1.7m | €1.3m | €1.6m | €1.3m | ▼ 22.7% |
| Equity10/15 | €557,059 | €567,059 | €520,866 | €419,482 | €301,137 | ▼ 28.2% |
| Contributions10/11 | €10,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €547,059 | €547,059 | €500,866 | €399,482 | €281,137 | ▼ 29.6% |
| Non-distributable reserves130/1 | - | - | €138,695 | €138,695 | €138,695 | = |
| Own shares acquired1312 | - | - | €138,695 | €138,695 | €138,695 | = |
| Distributable reserves133 | €547,059 | €547,059 | €362,171 | €260,787 | €142,442 | ▼ 45.4% |
| Amounts payable17/49 | €985,850 | €1.1m | €755,655 | €1.2m | €967,069 | ▼ 20.8% |
| Amounts payable within one year42/48 | €959,818 | €1.1m | €741,696 | €1.2m | €965,800 | ▼ 17.5% |
| Current portion of amounts payable after more than one year42 | €3,890 | - | - | - | - | - |
| Trade debts44 | €19,587 | €138,652 | €141,490 | €89,554 | €150,657 | ▲ 68.2% |
| Suppliers440/4 | €19,587 | €138,652 | €141,490 | €89,554 | €150,657 | ▲ 68.2% |
| Taxes, remuneration and social security45 | €184,803 | €160,213 | €163,052 | €246,720 | €230,379 | ▼ 6.6% |
| Taxes450/3 | €104,892 | €71,173 | €61,587 | €73,031 | €27,616 | ▼ 62.2% |
| Remuneration and social security454/9 | €79,911 | €89,040 | €101,466 | €173,689 | €202,763 | ▲ 16.7% |
| Other amounts payable47/48 | €751,538 | €825,747 | €437,153 | €834,928 | €584,764 | ▼ 30.0% |
| Accrued charges and deferred income492/3 | €26,031 | €487 | €13,959 | €50,007 | €1,269 | ▼ 97.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €751,538 | €825,747 | €437,153 | €834,928 | €584,764 | ▼ 30.0% |
| + Depreciation and write-downs630 | €6,674 | €5,101 | €7,169 | €9,430 | €10,045 | ▲ 6.5% |
| Operating cash flow (approximation) | €758,213 | €830,848 | €444,322 | €844,357 | €594,808 | ▼ 29.6% |
| Investment in fixed assets (approximation) | - | -€10,433 | €0 | -€15,400 | -€13,650 | ▲ 11.4% |
| Change in cash | - | €25,818 | -€632,074 | €147,130 | €151,212 | ▲ 2.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-08
State Gazette act
Resignations: Felaur CommV (director) and Sinteger CommV (director)Permanent representatives: Dimitri van Eijk, Nicolas Scheir and Yves Willems · Appointments: Wise Collective BV (class B director) and CHIVASCO BV (managing director) · Director discharge17 facts ▸
State Gazette act
Resignations: Felaur CommV (director) and Sinteger CommV (director)
Permanent representatives: Dimitri van Eijk, Nicolas Scheir and Yves Willems · Appointments: Wise Collective BV (class B director) and CHIVASCO BV (managing director) · Director discharge17 facts ▸
- General meeting, 13-07-2026
- Director resignation, Felaur CommV (director)
- Permanent representative, Dimitri van Eijk (permanent representative)
- Director resignation, Sinteger CommV (director)
- Permanent representative, Nicolas Scheir (permanent representative)
- Director discharge, Felaur CommV
- Director discharge, Sinteger CommV
- Director appointment, Wise Collective BV (class B director)
- Permanent representative, Dimitri van Eijk (permanent representative)
- Declaration, geen veroordeling tot verbod, artikel 6 van de wet van 4 mei 2023
- Power of attorney, Maxime Monard
- Power of attorney, Arne Vanhees
- +5 further facts in this act
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
27-05
State Gazette act
Capital & shares · Statutes amendment · Legal-form changeShare cancellation · Capital conversion7 facts ▸
State Gazette act
Capital & shares · Statutes amendment · Legal-form change
Share cancellation · Capital conversion7 facts ▸
- General meeting, 08-05-2026
- Other statement, kennisname van de verslaggeving
- Share cancellation, Soort B, 50
- Statutes amendment, 5
- Capital conversion, Onbeschikbare reserve voor eigen aandelen
- Other statement, volmacht voor de coördinatie
- Other statement, machten aan het bestuursorgaan
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €834,928 ▲91%
Operating result €1.2m, net result €834,928, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500,000Eq €557,059 ▲99.5%
3 profitable years in a row build equity to €557,059.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200,000Eq €279,267 ▲77.2%
2 profitable years in a row build equity to €279,267.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 20 days late
2018
15-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 15 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 2 have been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, 1 in day-to-day management, last change in 2026
Board 1
WISE COLLECTIVE
CurrentClass B director · since 23-06-2026 · Private limited company · perm. rep.: Dimitri van Eijk
Day-to-day management 1
CHIVASCO
CurrentManaging director · since 05-08-2026 · Private limited company (pre-2019) · perm. rep.: Yves Willems
Permanent representatives 2
Dimitri van Eijk
CurrentPermanent representative · since 23-06-2026 · for WISE COLLECTIVE
Yves Willems
CurrentPermanent representative · since 05-08-2026 · for CHIVASCO
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
8 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Herentals · 1 establishment unit since 2016
Ground area
1.2 ha
Building footprint
3,044 m²
Volume, LiDAR
52,510 m³
Parcel 13027A0065/00F002, Flanders · tallest building 24.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
SALESWISE
since 20162.255.769.543
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13027A0065/00F002 | Flanders | 1.2 ha | 1 · 3,044 m² | 24.1 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
4 people since 2026, 2 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| WISE COLLECTIVE |
|
| CHIVASCO |
|
| Felaur |
|
| SINTEGER |
|
Articles of association
Annual meeting
Third Tuesday of May at 14:00
Transfer restriction
Onoverdraagbaarheidsperiode, 12.3.1
Structure & network
Owners and holdings
4 ownersOwners 4
- Gunter Americanatural personSourceown accounts 202344.74%
- Yves Willemsnatural personSourceown accounts 202344.74%
- Dimitri Van Eijknatural personSourceown accounts 20235.26%
- Nicolas Scheirnatural personSourceown accounts 20235.26%
Holdings 0
The accounts to 31-12-2023 list no holdings, and no other source names one.
According to the 2023 annual accounts of SALESWISE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
2 current directorsThe group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,070 EUR awarded · 6,690 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,070 EUR | 6,690 EUR |
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Of 11,672 companies in sector 85599 we hold annual accounts for 1,330. 851 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-08-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
85599Other education
68310Real estate agency activities
78200Temporary employment agencies and other provision of personnel
82300Organisation of conventions and trade shows
E-invoicing
Reachable via Peppol
Peppol ID
0208:0660810916
Also
9925:BE0660810916
Registered
14-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.