V.W.I.
ActiveV.W.I. has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €4.29M and a net result of €167k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 53% of 8073 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
68
/ 100
Healthy▼ -21 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability19▼-20
Solvency90▼-6
Growth32=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.85 in 2023), and 43.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
56.8%
Return on assets
2.2%
Age of the figures
20 mo
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €4.3M
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
99 d early
2022
53 d early
2021
53 d early
2020
20 d late
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€4.29M▲ 4.1%
2023 · €4.12M
2018: €4.66M
2019: €4.69M
2020: €4.74M
2021: €4.16M
2022: €3.79M
2023: €4.12M
2018 → 2024
Total assets
€7.54M▲ 17.2%
2023 · €6.44M
2018: €5.60M
2019: €5.49M
2020: €5.54M
2021: €5.05M
2022: €5.14M
2023: €6.44M
2018 → 2024
Net result
€167k▼ 48.5%
2023 · €324k
2018: €1,000k
2019: €25k
2020: €56k
2021: €-81k
2022: €89k
2023: €324k
2018 → 2024
Working capital
€882k▲ 54.3%
2023 · €571k
2018: €1.06M
2019: €947k
2020: €901k
2021: €180k
2022: €3k
2023: €571k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€4.74M-€4.16M▼ 12.2%€3.79M▼ 8.9%€4.12M▲ 8.5%€4.29M▲ 4.1%
Operating result€50k-€-49k€17k€76k▲ 339%€-7k
Net result€56k-€-81k€89k€324k▲ 265%€167k▼ 48.5%
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 2024: a loss of €7k after €76k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €7.54M
Fixed assets
€5.33M▲ 2.6%
Current assets
€2.22M▲ 78.0%
Equity and liabilities €7.54M
Equity
€4.29M▲ 4.1%
Debt
€3.26M▲ 40.6%
The debt ratio rises from 36.0% to 43.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€21k▼
2023 · €108k
Cash flow
€195k▼
2023 · €356k
Solvency
56.8%▼
2023 · 64.0%
Current ratio
1.66▼
2023 · 1.85
Quick ratio
1.66▼
2023 · 1.85
Debt / equity
0.76▲
2023 · 0.56
ROE
3.9%▼
2023 · 7.9%
ROA
2.2%▼
2023 · 5.0%
Interest coverage
0.18▼
2023 · 2.22
Debt
€3.26M▲
2023 · €2.32M
Debt ≤ 1 year
€1.33M▲
2023 · €674k
Debt > 1 year
€1.84M▲
2023 · €1.62M
Income taxes
€18k▼
2023 · €38k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€6.44M€7.54M▲
Fixed assets21/28€5.19M€5.33M▲
Tangible fixed assets22/27€624k€596k▼
Land and buildings22€534k€506k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€0-
Other tangible fixed assets26€90k€90k=
Financial fixed assets28€4.57M€4.73M▲
Current assets29/58€1.25M€2.22M▲
Amounts receivable after more than one year29€199k€339k▲
Other amounts receivable291€199k€339k▲
Amounts receivable within one year40/41€876k€1.86M▲
Trade receivables40€132k€235k▲
Other amounts receivable41€744k€1.62M▲
Cash at bank and in hand54/58€166k€4k▼
Deferred charges and accrued income490/1€5k€16k▲
Equity and liabilities
Total equity and liabilities10/49€6.44M€7.54M▲
Equity10/15€4.12M€4.29M▲
Contributions10/11€2.15M€2.15M=
Reserves13€1.97M€2.14M▲
Distributable reserves133€1.97M€2.14M▲
Profit (loss) carried forward14€0-
Amounts payable17/49€2.32M€3.26M▲
Amounts payable after more than one year17€1.62M€1.84M▲
Financial debts170/4€1.62M€1.84M▲
Amounts payable within one year42/48€674k€1.33M▲
Current portion of amounts payable after more than one year42€111k€76k▼
Financial debts43€3k€5k▲
Credit institutions430/8€3k€5k▲
Trade debts44€46k€23k▼
Suppliers440/4€46k€23k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€15k€153k▲
Taxes450/3€15k€153k▲
Other amounts payable47/48€498k€1.08M▲
Accrued charges and deferred income492/3€25k€80k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€28k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€111k€24k▼
Operating profit (loss)9901€76k€-7k▼
Financial income75/76B€335k€306k▼
Recurring financial income75€335k€306k▼
Financial charges65/66B€49k€114k▲
Recurring financial charges65€49k€114k▲
Profit (loss) for the period before taxes9903€362k€185k▼
Income taxes67/77€38k€18k▼
Profit (loss) for the period9904€324k€167k▼
Profit (loss) for the period to be appropriated9905€324k€167k▼
Appropriation of the result
Profit (loss) to be appropriated9906€324k€167k▼
Transfer from equity791/2€0-
Transfer to equity691/2€324k€167k▼
To other reserves6921€324k€167k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (26 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €89k
Net result €89k after one loss-making year.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-81k ▼244%
Net result drops to €-81k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 20 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
06-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2025
BSMART: Resigned as Director
06-07-2021
TECTOR: Resigned as Director
06-07-2021
VANHERLE Werner Michel Virgenie Cornelis: Resigned as Director
31-03-2019
Wilci: Resigned as Manager
Location & real-estate footprint
Registered office, Lummen · 1 establishment unit since 2005
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.
Groenlarenstraat 443560 LummenGround area
3,928 m²
Building footprint
1,517 m²
Volume, LiDAR
9,997 m³
2 parcels, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
V.W.I.
since 20052.148.288.296
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0209/00D000 | Flanders | 2,797 m² | 1 · 1,287 m² | 7.5 m · 2 fl. |
| 71037C2225/00E000 | Flanders | 1,131 m² | 1 · 230 m² | 7.1 m · 2 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.
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 12,484 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.