Sharpandwolf
ActiveSharpandwolf has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €368k and a net result of €-31k. Equity is growing by ~45.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 9107 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency82▼-3
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.5 in 2024), and 48.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
31 d early
2023
12 d early
2022
14 d early
2021
16 d early
2020
36 d early
2019
5 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€368k▼ 7.8%
2024 · €399k
2018: €276k
2019: €25k
2020: €67k
2021: €87k
2022: €146k
2023: €300k
2024: €399k
2018 → 2025
Total assets
€716k▼ 4.1%
2024 · €746k
2018: €287k
2019: €349k
2020: €277k
2021: €296k
2022: €848k
2023: €755k
2024: €746k
2018 → 2025
Net result
€-31k
2024 · €99k
2018: €-5k
2019: €27k
2020: €203k
2021: €77k
2022: €59k
2023: €154k
2024: €99k
2018 → 2025
Working capital
€78k▼ 1.2%
2024 · €79k
2018: €262k
2019: €13k
2020: €21k
2021: €1k
2022: €45k
2023: €-12k
2024: €79k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€146k▲ 68.3%€300k▲ 105%€399k▲ 33.0%€368k▼ 7.8%
Operating result€103k-€67k▼ 34.9%€191k▲ 185%€139k▼ 27.5%€-29k
Net result€77k-€59k▼ 22.6%€154k▲ 159%€99k▼ 35.6%€-31k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €29k after €139k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €716k
Fixed assets
€436k▼ 13.9%
Current assets
€280k▲ 16.8%
Equity and liabilities €716k
Equity
€368k▼ 7.8%
Debt
€348k▲ 0.3%
The debt ratio rises from 46.5% to 48.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€52k▼
2024 · €224k
Cash flow
€49k▼
2024 · €184k
Solvency
51.4%▼
2024 · 53.5%
Current ratio
1.39▼
2024 · 1.50
Quick ratio
1.39▼
2024 · 1.50
Debt / equity
0.95▲
2024 · 0.87
ROE
-8.5%▼
2024 · 24.8%
ROA
-4.4%▼
2024 · 13.3%
Interest coverage
22.47▼
2024 · 98.38
Debt
€348k▲
2024 · €347k
Debt ≤ 1 year
€201k▲
2024 · €160k
Debt > 1 year
€147k▼
2024 · €187k
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€746k€716k▼
Fixed assets21/28€507k€436k▼
Intangible fixed assets21€20k€12k▼
Tangible fixed assets22/27€487k€424k▼
Plant, machinery and equipment23€736€636▼
Furniture and vehicles24€47k€41k▼
Other tangible fixed assets26€439k€383k▼
Current assets29/58€239k€280k▲
Amounts receivable within one year40/41€45k€112k▲
Trade receivables40€36k€82k▲
Other amounts receivable41€9k€30k▲
Cash at bank and in hand54/58€195k€165k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€746k€716k▼
Equity10/15€399k€368k▼
Contributions10/11€22k€22k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€375k€343k▼
Amounts payable17/49€347k€348k▲
Amounts payable after more than one year17€187k€147k▼
Financial debts170/4€187k€147k▼
Amounts payable within one year42/48€160k€201k▲
Current portion of amounts payable after more than one year42€20k€20k▲
Trade debts44€64k€111k▲
Suppliers440/4€64k€111k▲
Taxes, remuneration and social security45-€12k
Taxes450/3-€12k
Other amounts payable47/48€76k€59k▼
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€85k€81k▼
Other operating charges640/8€4k€1k▼
Gross operating margin9900€228k€53k▼
Operating profit (loss)9901€139k€-29k▼
Financial income75/76B€23-
Recurring financial income75€23-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€137k€-31k▼
Income taxes67/77€38k-
Profit (loss) for the period9904€99k€-31k▼
Profit (loss) for the period to be appropriated9905€99k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€375k€343k▼
Profit (loss) brought forward from the previous period14P€276k€375k▲
The notes to these accounts (15 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-31k ▼132%
Net result drops to €-31k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €200kEq €300k ▲105%
5 profitable years in a row build equity to €300k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €146k ▲68.3%
4 profitable years in a row build equity to €146k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €203k ▲643%
Operating result €278k, net result €203k, both a record.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 5 days late
2019
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 12 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Knokke-Heist · 1 establishment unit since 1998
Ground area
4,941 m²
Building footprint
3,680 m²
Volume, LiDAR
82,857 m³
2 parcels, Flanders · tallest building 43.4 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Zeedijk-Knokke 513, 8300 Knokke-Heist
since 19982.089.463.835
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0767/00G000 | Flanders | 3,619 m² | 1 · 3,148 m² | 43.4 m · 7 fl. |
| 31013A0097/00A000 | Flanders | 1,321 m² | 1 · 532 m² | 33.0 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 945 EUR awarded · 1,905 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 960 EUR |
| 2023 | 1 | 945 EUR | 945 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Belimco-Mol
BE 0461.198.772
Zulte · Eq €368k
AUSIM
BE 0690.615.848
Pittem · Eq €369k
SAND AND SEA
BE 0755.637.324
Knokke-Heist · Eq €367k
IMMO DE Nie
BE 0434.206.246
Nieuwpoort · Eq €369k
GENVEST
BE 0425.208.804
Brussel · Eq €367k
Of 11,708 companies in sector 68310 we hold annual accounts for 6,875. 4,811 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-1998
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.