W&E Finance
ActiveW&E Finance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-542k) and a net result of €-58k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 1463 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1463 sector peers (2025).
NBB · sector comparisonPosition among 1463 sector peers
Solvency
better than 5%
← weakest
strongest →
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 08-06-2026, 53 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
53 d early
2024
51 d early
2023
7 d early
2022
14 d early
2021
13 d early
2020
26 d early
2019
53 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-542k▼ 11.9%
2024 · €-485k
2018: €82k
2019: €145k
2020: €262k
2021: €190k
2022: €199k
2023: €-52k
2024: €-485k
2018 → 2025
Net result
€-58k▲ 86.6%
2024 · €-432k
2018: €122k
2019: €153k
2020: €117k
2021: €28k
2022: €9k
2023: €-252k
2024: €-432k
2018 → 2025
Total assets
€464k▼ 20.2%
2024 · €581k
2018: €666k
2019: €1.12M
2020: €1.13M
2021: €949k
2022: €1.01M
2023: €723k
2024: €581k
2018 → 2025
Solvency
-117.0%▼ 33.6pp
2024 · -83.4%
2018: 12.3%
2019: 12.9%
2020: 23.1%
2021: 20.0%
2022: 19.8%
2023: -7.3%
2024: -83.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€190k-€199k▲ 4.9%€-52k€-485k▼ 824%€-542k▼ 11.9%
Operating result€59k-€37k▼ 38.1%€-233k€-411k▼ 76.2%€-31k▲ 92.4%
Net result€28k-€9k▼ 66.7%€-252k€-432k▼ 71.7%€-58k▲ 86.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €31k in 2025 against €411k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €464k
Fixed assets
€349k▼ 26.2%
Current assets
€114k▲ 6.1%
Key figures and ratios
Solvency
-117.0%▼
2024 · -83.4%
ROA
-12.5%▲
2024 · -74.4%
Debt
€1.01M▼
2024 · €1.07M
Debt ≤ 1 year
€510k▲
2024 · €472k
Debt > 1 year
€496k▼
2024 · €593k
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€581k€464k▼
Fixed assets21/28€473k€349k▼
Intangible fixed assets21€339k€232k▼
Tangible fixed assets22/27€133k€116k▼
Plant, machinery and equipment23€12k€7k▼
Furniture and vehicles24€11k€4k▼
Other tangible fixed assets26€111k€105k▼
Financial fixed assets28€577€577=
Current assets29/58€108k€114k▲
Amounts receivable within one year40/41€74k€83k▲
Other amounts receivable41€74k€83k▲
Current investments50/53€0-
Cash at bank and in hand54/58€29k€27k▼
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€581k€464k▼
Equity10/15€-485k€-542k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-507k€-564k▼
Amounts payable17/49€1.07M€1.01M▼
Amounts payable after more than one year17€593k€496k▼
Financial debts170/4€593k€496k▼
Amounts payable within one year42/48€472k€510k▲
Current portion of amounts payable after more than one year42€100k€98k▼
Financial debts43€125k€70k▼
Credit institutions430/8€125k€70k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€2k▼
Other amounts payable47/48€240k€338k▲
Accrued charges and deferred income492/3€346€36▼
Income statement
Code20242025
Non-recurring operating income76A€0€211k▲
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€124k€124k=
Other operating charges640/8€9k€12k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€-278k€105k▲
Operating profit (loss)9901€-411k€-31k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€23k€29k▲
Recurring financial charges65€23k€29k▲
Profit (loss) for the period before taxes9903€-432k€-58k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-432k€-58k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€-432k€-58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-507k€-564k▼
Profit (loss) brought forward from the previous period14P€-74k€-507k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (18 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-432k
Net result drops to €-432k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €262k ▲80.9%
3 profitable years in a row build equity to €262k.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €153k ▲25.2%
Operating result €202k, net result €153k, both a record.
31-12
Financial
Equity above €100kEq €145k ▲76.5%
2 profitable years in a row build equity to €145k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Leuven · 1 establishment unit since 2021
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.
Aarschotsesteenweg 5543012 LeuvenGround area
1,611 m²
Building footprint
675 m²
Volume, LiDAR
6,155 m³
2 parcels, Flanders · tallest building 13.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
W&E Finance
since 20212.312.691.915
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126B0233/00R005 | Flanders | 1,466 m² | 1 · 615 m² | 13.3 m · 3 fl. |
| 24038C0190/00X011 | Flanders | 144 m² | 1 · 60 m² | 9.7 m · 3 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
2022 · 1 entry · 2,556 EUR awarded · 2,556 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,556 EUR | 2,556 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 1,511 companies in sector 66199 we hold annual accounts for 917. 645 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2017
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
66290Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.