The Wolf Wisdom
ActiveSummary
The Wolf Wisdom has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €-5k. Equity is shrinking by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 84% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 7.05 against 30.86 in 2024; short-term debt: 12.3% and cash: 59% of total assets), and 16.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
83.6%
Return on assets
-48.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
45 d early
2023
26 d late
2022
62 d early
2021
31 d late
2020
58 d early
2019
2 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 36.7%
2024 · €15k
2018: €26k
2019: €24k▼ -7.2% vs 2018
2020: €22k▼ -10.9% vs 2019
2021: €14k▼ -36.5% vs 2020
2022: €28k▲ +100% vs 2021highest in 8 years
2023: €9k▼ -66.4% vs 2022lowest in 8 years
2024: €15k▲ +59.4% vs 2023
2025: €9k▼ -36.7% vs 2024
2018 → 2025
Total assets
€11k▼ 26.5%
2024 · €15k
2018: €27k
2019: €24k▼ -9.4% vs 2018
2020: €22k▼ -9.5% vs 2019
2021: €14k▼ -37.0% vs 2020
2022: €28k▲ +99.2% vs 2021highest in 8 years
2023: €9k▼ -65.8% vs 2022lowest in 8 years
2024: €15k▲ +61.1% vs 2023
2025: €11k▼ -26.5% vs 2024
2018 → 2025
Net result
€-5k
2024 · €6k
2018: €3k
2019: €-2k▼ -175% vs 2018
2020: €-3k▼ -41.2% vs 2019
2021: €-8k▼ -197% vs 2020
2022: €14k▲ +275% vs 2021highest in 8 years
2023: €-18k▼ -233% vs 2022lowest in 8 years
2024: €6k▲ +130% vs 2023
2025: €-5k▼ -198% vs 2024
2018 → 2025
Working capital
€8k▼ 39.4%
2024 · €14k
2018: €24k
2019: €24k▲ +2.6% vs 2018
2020: €22k▼ -10.9% vs 2019
2021: €11k▼ -49.7% vs 2020
2022: €25k▲ +132% vs 2021highest in 8 years
2023: €8k▼ -69.9% vs 2022lowest in 8 years
2024: €14k▲ +80.3% vs 2023
2025: €8k▼ -39.4% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€14k-€28k▲ 100%€9k▼ 66.4%€15k▲ 59.4%€9k▼ 36.7%
2021: €14k
2022: €28k▲ +100% vs 2021highest in 5 years
2023: €9k▼ -66.4% vs 2022lowest in 5 years
2024: €15k▲ +59.4% vs 2023
2025: €9k▼ -36.7% vs 2024
Operating result€-8k-€14k€-18k€6k€-5k
2021: €-8k
2022: €14k▲ +280% vs 2021highest in 5 years
2023: €-18k▼ -230% vs 2022lowest in 5 years
2024: €6k▲ +131% vs 2023
2025: €-5k▼ -194% vs 2024
Net result€-8k-€14k€-18k€6k€-5k
2021: €-8k
2022: €14k▲ +275% vs 2021highest in 5 years
2023: €-18k▼ -233% vs 2022lowest in 5 years
2024: €6k▲ +130% vs 2023
2025: €-5k▼ -198% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11k
Fixed assets
€2k ▲ 42.5%
Current assets
€10k ▼ 31.6%
Equity and liabilities €11k
Equity
€9k ▼ 36.7%
Debt
€2k ▲ 301%
Debt's share of the balance-sheet total rises from 3.0% to 16.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▼
2024 · €6k
Cash flow
€-5k▼
2024 · €6k
Current ratio
7.05▼
2024 · 30.86
Debt to equity
0.20▲
2024 · 0.03
ROE
-57.9%▼
2024 · 37.3%
ROA
-48.4%▼
2024 · 36.2%
Interest coverage
-66.48▼
2024 · 135.02
Debt ≤ 1 year
€1k▲
2024 · €461
Income taxes
€141▲
2024 · €74
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€15k€11k▼
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€14k€10k▼
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€375-
Other amounts receivable41€4k€3k▼
Cash at bank and in hand54/58€10k€7k▼
Deferred charges and accrued income490/1€613€506▼
Equity and liabilities
Total equity and liabilities10/49€15k€11k▼
Equity10/15€15k€9k▼
Contributions10/11€50k€50k=
Profit (loss) carried forward14€-35k€-41k▼
Amounts payable17/49€461€2k▲
Amounts payable within one year42/48€461€1k▲
Trade debts44€387€283▼
Suppliers440/4€387€283▼
Taxes, remuneration and social security45€74€1k▲
Taxes450/3€74€1k▲
Accrued charges and deferred income492/3-€470
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€600€751▲
Other operating charges640/8€565€631▲
Gross operating margin9900€7k€-4k▼
Operating profit (loss)9901€6k€-5k▼
Financial income75/76B-€70
Recurring financial income75-€70
Financial charges65/66B€46€68▲
Recurring financial charges65€46€68▲
Profit (loss) for the period before taxes9903€6k€-5k▼
Income taxes67/77€74€141▲
Profit (loss) for the period9904€6k€-5k▼
Profit (loss) for the period to be appropriated9905€6k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-41k▼
Profit (loss) brought forward from the previous period14P€-41k€-35k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €133 | €600 | €600 | €600 | €751 | ▲ 25.2% |
| Other operating charges640/8 | €666 | €551 | €413 | €565 | €631 | ▲ 11.8% |
| Gross operating margin9900 | €-7k | €15k | €-17k | €7k | €-4k | ▼ 157% |
| Operating profit (loss)9901 | €-8k | €14k | €-18k | €6k | €-5k | ▼ 194% |
| Financial income75/76B | - | - | - | - | €70 | - |
| Recurring financial income75 | - | - | - | - | €70 | - |
| Financial charges65/66B | €50 | €52 | €46 | €46 | €68 | ▲ 47.8% |
| Recurring financial charges65 | €50 | €52 | €46 | €46 | €68 | ▲ 47.8% |
| Profit (loss) for the period before taxes9903 | €-8k | €14k | €-18k | €6k | €-5k | ▼ 195% |
| Income taxes67/77 | €85 | €102 | €70 | €74 | €141 | ▲ 90.1% |
| Profit (loss) for the period9904 | €-8k | €14k | €-18k | €6k | €-5k | ▼ 198% |
| Profit (loss) for the period to be appropriated9905 | €-8k | €14k | €-18k | €6k | €-5k | ▼ 198% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €14k | €28k | €9k | €15k | €11k | ▼ 26.5% |
| Fixed assets21/28 | €3k | €2k | €2k | €1k | €2k | ▲ 42.5% |
| Tangible fixed assets22/27 | €3k | €2k | €2k | €1k | €2k | ▲ 42.5% |
| Furniture and vehicles24 | €3k | €2k | €2k | €1k | €2k | ▲ 42.5% |
| Current assets29/58 | €11k | €26k | €8k | €14k | €10k | ▼ 31.6% |
| Amounts receivable within one year40/41 | €4k | €353 | €997 | €4k | €3k | ▼ 34.2% |
| Trade receivables40 | €629 | €166 | €196 | €375 | - | - |
| Other amounts receivable41 | €3k | €188 | €801 | €4k | €3k | ▼ 27.3% |
| Cash at bank and in hand54/58 | €7k | €25k | €6k | €10k | €7k | ▼ 31.5% |
| Deferred charges and accrued income490/1 | €603 | €573 | €592 | €613 | €506 | ▼ 17.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €14k | €28k | €9k | €15k | €11k | ▼ 26.5% |
| Equity10/15 | €14k | €28k | €9k | €15k | €9k | ▼ 36.7% |
| Contributions10/11 | €50k | €50k | €50k | €50k | €50k | = |
| Profit (loss) carried forward14 | €-36k | €-22k | €-41k | €-35k | €-41k | ▼ 15.5% |
| Amounts payable17/49 | €137 | €120 | €188 | €461 | €2k | ▲ 301% |
| Amounts payable within one year42/48 | €137 | €120 | €188 | €461 | €1k | ▲ 199% |
| Trade debts44 | €57 | - | - | €387 | €283 | ▼ 26.9% |
| Suppliers440/4 | €57 | - | - | €387 | €283 | ▼ 26.9% |
| Taxes, remuneration and social security45 | €80 | €120 | €188 | €74 | €1k | ▲ 1,380% |
| Taxes450/3 | €80 | €120 | €188 | €74 | €1k | ▲ 1,380% |
| Accrued charges and deferred income492/3 | - | - | - | - | €470 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-8k | €14k | €-18k | €6k | €-5k | ▼ 198% |
| + Depreciation and write-downs630 | €133 | €600 | €600 | €600 | €751 | ▲ 25.2% |
| Operating cash flow (approximation) | €-8k | €14k | €-18k | €6k | €-5k | ▼ 176% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €-1k | - |
| Change in cash | - | €18k | €-18k | €3k | €-3k | ▼ 189% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €14k
Net result €14k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 213.53
Current ratio from 80.94 to 213.53; short-term debt falls from €137 to €120.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 14current ratio 493.42
Current ratio from 35.67 to 493.42; short-term debt falls from €687 to €50.
Show earlier events
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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.
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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, Sint-Joost-ten-Node · 1 establishment unit since 2013
Ground area
1,119 m²
Building footprint
615 m²
Volume, LiDAR
8,340 m³
2 parcels, Brussels · tallest building 21.5 m, ±6 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Minuit Rue des Minimes
since 20132.224.999.361
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572B0070/00N017 | Brussels | 764 m² | 1 · 409 m² | 14.5 m · 4 fl. |
| 21444B0198/00L009 | Brussels | 355 m² | 1 · 206 m² | 21.5 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
DE VRIES M en L
BE 0427.443.960
Mechelen · Eq €9,203
SHAON
BE 0886.243.270
Antwerpen · Eq €9,200
PURITY JEWELRY
BE 1013.201.919
Antwerpen · Eq €9,143
UNIGLO JEWELS
BE 1011.372.577
Antwerpen · Eq €9,852
Arits Watches & Co.
BE 1006.868.017
Antwerpen · Eq €10,244
Of 567 companies in sector 46480 we hold annual accounts for 353. 143 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
Founded13-12-2013
Fiscal year end31-12
Activities, NACEBEL 2025
46480Wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
46424Wholesale trade
Scores and ratios are computed by Checked and are not a credit decision.