W & A
ActiveSummary
W & A has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €305k and a net result of €54k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 4522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▼-6
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 7.31 against 3.91 in 2024; short-term debt: 13.5% and cash: 87.8% of total assets), and 13.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Services to buildings and landscape activities (NACE 81)
about 79% more 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
86.5%
Return on assets
15.4%
Age of the figures
12 mo
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 30-09-2025 was due by 30-04-2026 and was filed on 20-03-2026, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
41 d early
2024
76 d early
2023
48 d early
2022
3 d early
2021
39 d early
2020
35 d early
2019
30 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€305k▲ 21.7%
2024 · €251k
2018: €105klowest in 8 years
2019: €120k▲ +14.2% vs 2018
2020: €173k▲ +44.3% vs 2019
2021: €185k▲ +6.9% vs 2020
2022: €178k▼ -3.7% vs 2021
2023: €256k▲ +43.8% vs 2022
2024: €251k▼ -1.9% vs 2023
2025: €305k▲ +21.7% vs 2024highest in 8 years
2018 → 2025
Total assets
€353k▲ 7.8%
2024 · €327k
2018: €268klowest in 8 years
2019: €277k▲ +3.5% vs 2018
2020: €330k▲ +18.8% vs 2019
2021: €296k▼ -10.2% vs 2020
2022: €292k▼ -1.1% vs 2021
2023: €329k▲ +12.3% vs 2022
2024: €327k▼ -0.4% vs 2023
2025: €353k▲ +7.8% vs 2024highest in 8 years
2018 → 2025
Net result
€54k▼ 16.4%
2024 · €65k
2018: €36k
2019: €34k▼ -8.0% vs 2018
2020: €53k▲ +58.4% vs 2019
2021: €21k▼ -60.8% vs 2020lowest in 8 years
2022: €32k▲ +54.3% vs 2021
2023: €78k▲ +142% vs 2022highest in 8 years
2024: €65k▼ -16.3% vs 2023
2025: €54k▼ -16.4% vs 2024
2018 → 2025
Working capital
€300k▲ 35.2%
2024 · €222k
2018: €72klowest in 8 years
2019: €95k▲ +30.8% vs 2018
2020: €105k▲ +11.4% vs 2019
2021: €127k▲ +21.0% vs 2020
2022: €135k▲ +6.3% vs 2021
2023: €220k▲ +62.8% vs 2022
2024: €222k▲ +0.5% vs 2023
2025: €300k▲ +35.2% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€178k▼ 3.7%€256k▲ 43.8%€251k▼ 1.9%€305k▲ 21.7%
2021: €185k
2022: €178k▼ -3.7% vs 2021lowest in 5 years
2023: €256k▲ +43.8% vs 2022
2024: €251k▼ -1.9% vs 2023
2025: €305k▲ +21.7% vs 2024highest in 5 years
Operating result€30k-€45k▲ 49.1%€108k▲ 143%€88k▼ 18.3%€73k▼ 17.3%
2021: €30klowest in 5 years
2022: €45k▲ +49.1% vs 2021
2023: €108k▲ +143% vs 2022highest in 5 years
2024: €88k▼ -18.3% vs 2023
2025: €73k▼ -17.3% vs 2024
Net result€21k-€32k▲ 54.3%€78k▲ 142%€65k▼ 16.3%€54k▼ 16.4%
2021: €21klowest in 5 years
2022: €32k▲ +54.3% vs 2021
2023: €78k▲ +142% vs 2022highest in 5 years
2024: €65k▼ -16.3% vs 2023
2025: €54k▼ -16.4% 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 has fallen two years in a row; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €353k
Fixed assets
€6k ▼ 80.8%
Current assets
€347k ▲ 16.6%
Equity and liabilities €353k
Equity
€305k ▲ 21.7%
Debt
€47k ▼ 37.8%
Debt's share of the balance-sheet total falls from 23.3% to 13.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€97k▼
2024 · €120k
Cash flow
€78k▼
2024 · €97k
Current ratio
7.31▲
2024 · 3.91
Quick ratio
7.22▲
2024 · 3.73
Debt to equity
0.16▼
2024 · 0.30
ROE
17.8%▼
2024 · 26.0%
ROA
15.4%▼
2024 · 19.9%
Interest coverage
295.10▲
2024 · 132.45
Debt ≤ 1 year
€47k▼
2024 · €76k
Income taxes
€21k▼
2024 · €25k
Staff costs
€718▲
2024 · €670
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€327k€353k▲
Fixed assets21/28€29k€6k▼
Tangible fixed assets22/27€29k€5k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€13k€2k▼
Leasing and similar rights25€10k€0▼
Financial fixed assets28€200€200=
Current assets29/58€298k€347k▲
Stocks and contracts in progress3€14k€5k▼
Contracts in progress37€14k€5k▼
Amounts receivable within one year40/41€40k€32k▼
Trade receivables40€39k€29k▼
Other amounts receivable41€838€3k▲
Cash at bank and in hand54/58€243k€310k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€327k€353k▲
Equity10/15€251k€305k▲
Reserves13€251k€305k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€249k€303k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€76k€47k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€76k€47k▼
Current portion of amounts payable after more than one year42€20k€0▼
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Taxes, remuneration and social security45€22k€9k▼
Taxes450/3€21k€9k▼
Remuneration and social security454/9€600€0▼
Other amounts payable47/48€32k€31k▼
Accrued charges and deferred income492/3€225€16▼
Income statement
Code20242025
Remuneration, social security and pensions62€670€718▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€24k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€124k€100k▼
Operating profit (loss)9901€88k€73k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€909€328▼
Recurring financial charges65€909€328▼
Profit (loss) for the period before taxes9903€90k€75k▼
Income taxes67/77€25k€21k▼
Profit (loss) for the period9904€65k€54k▼
Profit (loss) for the period to be appropriated9905€65k€54k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€54k▼
Transfer from equity791/2€70k€0▼
Transfer to equity691/2€65k€54k▼
To other reserves6921€65k€54k▼
Profit to be distributed694/7€70k€0▼
Return on contributions (dividend)694€70k€0▼
The notes to these accounts (13 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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €2k | €2k | €670 | €718 | ▲ 7.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €46k | €39k | €32k | €32k | €24k | ▼ 25.9% |
| Other operating charges640/8 | - | €2k | €6k | €3k | €2k | ▼ 8.1% |
| Gross operating margin9900 | €80k | €87k | €147k | €124k | €100k | ▼ 19.2% |
| Operating profit (loss)9901 | €30k | €45k | €108k | €88k | €73k | ▼ 17.3% |
| Financial income75/76B | - | €3k | €2k | €3k | €3k | ▼ 5.4% |
| Recurring financial income75 | €2k | €3k | €2k | €3k | €3k | ▼ 5.4% |
| Financial charges65/66B | - | €2k | €1k | €909 | €328 | ▼ 63.9% |
| Recurring financial charges65 | €2k | €2k | €1k | €909 | €328 | ▼ 63.9% |
| Profit (loss) for the period before taxes9903 | €29k | €46k | €109k | €90k | €75k | ▼ 16.4% |
| Income taxes67/77 | €9k | €14k | €31k | €25k | €21k | ▼ 16.4% |
| Profit (loss) for the period9904 | €21k | €32k | €78k | €65k | €54k | ▼ 16.4% |
| Profit (loss) for the period to be appropriated9905 | €21k | €32k | €78k | €65k | €54k | ▼ 16.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €296k | €292k | €329k | €327k | €353k | ▲ 7.8% |
| Fixed assets21/28 | €125k | €86k | €58k | €29k | €6k | ▼ 80.8% |
| Tangible fixed assets22/27 | €125k | €86k | €58k | €29k | €5k | ▼ 81.3% |
| Plant, machinery and equipment23 | - | €5k | €6k | €6k | €3k | ▼ 39.9% |
| Furniture and vehicles24 | - | €53k | €32k | €13k | €2k | ▼ 85.1% |
| Leasing and similar rights25 | - | €29k | €19k | €10k | €0 | ▼ 100% |
| Financial fixed assets28 | €200 | €200 | €200 | €200 | €200 | = |
| Current assets29/58 | €171k | €206k | €270k | €298k | €347k | ▲ 16.6% |
| Stocks and contracts in progress3 | €31k | €20k | €10k | €14k | €5k | ▼ 67.7% |
| Contracts in progress37 | - | €20k | €10k | €14k | €5k | ▼ 67.7% |
| Amounts receivable within one year40/41 | €31k | €24k | €42k | €40k | €32k | ▼ 20.5% |
| Trade receivables40 | - | €22k | €42k | €39k | €29k | ▼ 25.4% |
| Other amounts receivable41 | - | €2k | €537 | €838 | €3k | ▲ 208% |
| Cash at bank and in hand54/58 | €108k | €162k | €218k | €243k | €310k | ▲ 27.6% |
| Deferred charges and accrued income490/1 | - | €7 | €8 | €1k | €1k | ▲ 4.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €296k | €292k | €329k | €327k | €353k | ▲ 7.8% |
| Equity10/15 | €185k | €178k | €256k | €251k | €305k | ▲ 21.7% |
| Reserves13 | €185k | €178k | €256k | €251k | €305k | ▲ 21.7% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €176k | €254k | €249k | €303k | ▲ 21.9% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €111k | €115k | €73k | €76k | €47k | ▼ 37.8% |
| Amounts payable after more than one year17 | €68k | €40k | €20k | €0 | - | - |
| Financial debts170/4 | - | €40k | €20k | €0 | - | - |
| Amounts payable within one year42/48 | €43k | €71k | €50k | €76k | €47k | ▼ 37.7% |
| Current portion of amounts payable after more than one year42 | - | €27k | €20k | €20k | €0 | ▼ 100% |
| Trade debts44 | €9k | €2k | €5k | €2k | €8k | ▲ 293% |
| Suppliers440/4 | - | €2k | €5k | €2k | €8k | ▲ 293% |
| Taxes, remuneration and social security45 | - | €21k | €24k | €22k | €9k | ▼ 58.6% |
| Taxes450/3 | - | €21k | €24k | €21k | €9k | ▼ 57.5% |
| Remuneration and social security454/9 | - | - | - | €600 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €20k | €0 | €32k | €31k | ▼ 3.6% |
| Accrued charges and deferred income492/3 | - | €4k | €3k | €225 | €16 | ▼ 93.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €32k | €78k | €65k | €54k | ▼ 16.4% |
| + Depreciation and write-downs630 | €46k | €39k | €32k | €32k | €24k | ▼ 25.9% |
| Operating cash flow (approximation) | €67k | €71k | €109k | €97k | €78k | ▼ 19.5% |
| Investment in fixed assets (approximation) | - | €0 | €-4k | €-3k | €0 | ▲ 100% |
| Change in cash | - | €54k | €57k | €24k | €67k | ▲ 174% |
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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €78k ▲142%
Operating result €108k, net result €78k, both a record.
30-09
Financial
Equity above €200kEq €256k ▲43.8%
6 profitable years in a row build equity to €256k.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €21k ▼60.8%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €150kEq €173k ▲44.3%
3 profitable years in a row build equity to €173k.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
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 5 acts read
About the unread acts
We know of 5 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
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Directors · office · real estate
Directors
5 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, Zonhoven · 1 establishment unit since 2010
Ground area
2,157 m²
Building footprint
270 m²
Volume, LiDAR
1,910 m³
2 parcels, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
W & A
since 20102.192.897.014
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443E0198/00D002 | Flanders | 1,304 m² | 1 · 157 m² | 9.9 m · 3 fl. |
| 71443E0198/00V000 | Flanders | 853 m² | 1 · 113 m² | 8.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 334 EUR awarded · 334 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 79 EUR | 79 EUR |
| 2022 | 1 | 255 EUR | 255 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 21,213 companies in sector 81300 we hold annual accounts for 4,364. 3,102 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
Founded21-10-2010
Fiscal year end30-09
Activities, NACEBEL 2025
81300Landscape service activities
32300Other manufacturing
42110Construction of roads and motorways
43422Screed work
43910Bricklaying and masonry work
Contact
E-mail
info@w-en-a.be
Scores and ratios are computed by Checked and are not a credit decision.