W&E Finance
ActiveSummary
W&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 (-€542,270) and a net result of -€57,758. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 5% of 1,853 sector peers (NACE 66, financial year 2025). The company has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
Source: KBO- Status
- Active since 25-07-2017 Normal situation
- Activity
- Other activities auxiliary to financial services, excluding insurance and pension funding NACE 66199and 2 others
- Joint committee
- 341 Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten · annual accounts 2024
- Establishment unit
- 2.312.691.915 3018 Leuven, since 01-01-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Board and ownership
Board
- Evert LissensDirector
- Wim CeelenDirector
Shareholders
- Evert Lissens50%2025 annual accounts of Evert Lissens
- WIM CEELEN50%· score 942025 annual accounts of WIM CEELEN
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Loss
- €57,758
- ▼ 86.6%
- Equity
- -€542,270
- ▼ 11.9%
- Total assets
- €463,572
- ▼ 20.2%
- Negative equity on 31-12-2025
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1853 sector peers (2025).
NBB · sector comparisonPosition among 1853 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 days early
2024
51 days early
2023
7 days early
2022
14 days early
2021
13 days early
2020
26 days early
2019
53 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 31 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% 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 17 July (4 of the last 5 accounts filed within 37 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
- Risk: Negative equitydebts exceed assets in financial year 2025 -€542,270 View
- Risk: 3 loss-making years in a rowloss in financial year 2025 -€57,758 View
- Caution: Lower solvency than 95% of companies in auxiliary financial servicessector median 38.6% · 1,853 companies -117.0% View
- Positive: Result rose in 2025from -€432,070 to -€57,758 ▲ 86.6% View
- Positive: Always filed on timeaccounts within the deadline every year 8 years View
Recent changes
- · Gazette deed Registered office moved to WilseleNew seat: 3012 Wilsele, Aarschotsesteenweg 554 · Changes of role: Wim Ceelen (director) and Evert Lissens (director) · Permanent representatives: Wim Ceelen and Evert Lissens
- · Gazette deed Registered office moved from Leuven to WijgmaalNew seat: 3018 Wijgmaal, Korte Dolagestraat 24 · Previous seat: 3010 Leuven, Tiensesteenweg 333 · Permanent representative: Wim Ceelen
- · Gazette deed Incorporation
Comparable companies
These companies have the same main activity as W&E Finance: other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199). They are comparable in size and age: total assets between €163,000 and €1.2m, founded between 2006 and 2019.
| Company | Total assets | Gross margin |
|---|---|---|
| W&E Finance Leuven | €0.5m | €0.1m |
| WCI Europe Anderlecht | €0.7m | €0.1m |
| I-LEASE Wavre | €0.3m | €0.2m |
| HW Waasland Brecht | €0.2m | €0.1m |
| DARE INNOVATIONS Schilde | €1.2m | €0.05m |
| BUILD ADDICT Brussel | €0.7m | €0.06m |
| LIBRA Sint-Gillis-Waas | €0.5m | €0.08m |
Key facts about W&E Finance
- What is the company number of W&E Finance?
- The company number of W&E Finance is 0678.838.068. The VAT number is the same number with BE in front: BE 0678.838.068.
- Where is W&E Finance based?
- The registered office is at Aarschotsesteenweg 554, 3012 Leuven.Company details
- What does W&E Finance do?
- According to the KBO register, the main activity is other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199).
- What is the legal form of W&E Finance?
- The legal form of W&E Finance is Private limited company (BV).
- When was W&E Finance founded?
- W&E Finance was founded on 25-07-2017.
- Is W&E Finance still active?
- Yes, W&E Finance is an active enterprise in the KBO register.
- How many employees does W&E Finance have?
- W&E Finance had an average of 1.6 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does W&E Finance fall under?
- In its 2024 annual accounts, W&E Finance states joint committee 341 (Paritair Comité voor de bemiddeling in bank- en beleggingsdiensten).
- What is the turnover of W&E Finance?
- The turnover in financial year 2025 is ≈ €220,000. This figure is estimated from the gross margin of €104,562 and 41 comparable companies (NACE 66). It probably lies between €160,000 and €270,000.
- Is W&E Finance profitable?
- In financial year 2025, W&E Finance made a loss of €57,758.
- Where can I find the annual accounts of W&E Finance?
- W&E Finance filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of W&E Finance due?
- W&E Finance must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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