Equity
-€21,190
Debts exceed assets in financial year 2025.
W.A.C.
Lifetime
18 annual accounts with figures on one time axispeak €105,087 (2014)
-€5,757▲ €10,358
lowest -€43,020 (2010)
-€13,153▲ €13,178
peak €18,294 (2023)
-€21,190▼ €13,153
€54,321▼ 0.8%
peak 3.9 FTE (2010)
-not published
Board2 names since 2008
2 directorsVan der Plas Willem and 1 other
Documentsfilings and deeds
14-07-202617 days before the deadline
2025micro format
Gross margin from -€16,115 to -€5,757Loss of €13,153Equity from -€8,037 to -€21,190Cash from €3,908 to €2,466
Key points
from the 2025 annual accountsLosses
-€39,484 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
Debts
€54,321 164% of the balance sheet
Suppliers 0%Taxes and wages 3%Other 97%
Turnover not published (micro format)
Checked score
52
Fair
Financially stronger than 4% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.5%● unchanged vs 05-2025lowest value
07-2025: 2.1%▲ +1.6 percentage points vs 06-2025
08-2025: 2.1%● unchanged vs 07-2025
09-2025: 2.2%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 2.2%● unchanged vs 09-2025highest value
11-2025: 2.2%● unchanged vs 10-2025highest value
12-2025: 2.2%● unchanged vs 11-2025highest value
01-2026: 2.1%▼ -0.1 percentage points vs 12-2025
02-2026: 2.1%● unchanged vs 01-2026
03-2026: 2.1%● unchanged vs 02-2026
04-2026: 2.1%● unchanged vs 03-2026
05-2026: 2.1%● unchanged vs 04-2026
06-2026: 2.0%▼ -0.1 percentage points vs 05-2026
07-2026: 2.1%▲ +0.1 percentage points vs 06-2026
08-2026: 1.5%▼ -0.6 percentage points vs 07-2026
09-2026: 1.5%● unchanged vs 08-2026
10-2026: 1.5%● unchanged vs 09-2026
11-2026: 1.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Loss of €13,153, the second in a row (financial year 2025)
Negative equity -€21,190
Sector: Specialised construction activities (NACE 43)
lowers risk
Size: total assets €33,131
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 3% of them on solvency, 6% on liquidity, 4% on profitability and 2% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,907 companies had the same profile as W.A.C. has now. Each dot stands for 18 companies, two years later.
85.4%
were still trading
8.1%
stopped another way
5.8%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of W.A.C. itself: 1.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,907 companies, not a prediction for W.A.C.. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.58 (0.71 in 2024), below 1. Short-term debt is 164% and cash 7.4% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€21,190
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 days early
2024
44 days early
2023
35 days late
2022
42 days early
2021
26 days early
2020
25 days early
2019
35 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 22 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0896098074
Company renamed from HAIR & BEAUTY POINT A&C BV to W.A.C.
“Uitbating van een kapsalon; Het wassen,knippen,verven,onduleren enzovoort van haar bij mannen,vrouwen en…” (deed in Dutch) · General meeting of 19-12-2023 · Gazette deed
Incorporation
published on 11-03-2008 · Gazette deed
First establishment
Stationsstraat 84, Londerzeel
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| W.A.C. Londerzeel | €33,131 | -€5,757 | -64.0% | - |
| AD FAST Soumagne | €35,702 | -€19,055 | 40.9% | - |
| Waterprotec Aalst | €29,371 | €652 | 22.9% | - |
| J & E DE GROEIWERKER Pelt | €38,171 | -€6,646 | 89.6% | - |
| JS RENOVATION Woluwe-Saint-Lambert | €28,384 | -€9,213 | -4.3% | - |
| Geo Gyp Deinze | €43,397 | -€4,584 | 26.7% | - |
| AN-IMMO Maasmechelen | €44,894 | €579 | -6.5% | - |
These companies have the same main activity as W.A.C.: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €28,400 and €44,900, founded between 2006 and 2008.
Official details
Source: KBO- Status
- Active since 29-02-2008Normal situation
- Activity
- Other building finishing workNACE 43350and 1 other
- Joint committee
- 314Hairdressing and beauty care · annual accounts 2022
- Establishment unit
- 2.170.286.1161840 Londerzeel, since 29-02-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 01-10-2025
Annual accounts 2025
- €33,131▼ 29.1%
- Filing
- Filed on 14-07-2026, 17 days before the end of the filing period
Insights on W.A.C.
W.A.C. files the micro format. That format states no turnover. The gross margin fell from €82,986 in 2008 to -€5,757 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about W.A.C.
- What is the company number of W.A.C.?
- The company number of W.A.C. is 0896.098.074. The VAT number is the same number with BE in front: BE 0896.098.074.
- Where is W.A.C. based?
- The registered office is at Stationsstraat 84, 1840 Londerzeel.Company details
- What does W.A.C. do?
- According to the KBO register, the main activity is other building finishing work (NACE 43350).
- What is the legal form of W.A.C.?
- W.A.C. is a private limited company (BV).
- When was W.A.C. founded?
- W.A.C. was founded on 29-02-2008.
- Is W.A.C. still active?
- Yes, W.A.C. is an active enterprise in the KBO register.
- How many employees does W.A.C. have?
- W.A.C. had an average of 0.3 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- Which joint committee does W.A.C. fall under?
- In its 2022 annual accounts, W.A.C. states joint committee 314 (Hairdressing and beauty care).
- What is the turnover of W.A.C.?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.
- Is W.A.C. profitable?
- In financial year 2025, W.A.C. made a loss of €13,153.
- Where can I find the annual accounts of W.A.C.?
- W.A.C. filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of W.A.C. due?
- W.A.C. must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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