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W&F Consult

Active Risk: not assessed
Private limited companyfounded 2000active for 26 yearsAvenue Paul Pastur 8, 6200 Châtelet, BelgiumKBO/BCE: BE 0471.564.312
Summary

W&F Consult is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €8,057 and a net result of €41,418. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 10% of 3,049 sector peers (NACE 66, financial year 2025). The company has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals.

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W&F ConsultActive
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Overview

Official details

Source: KBO
Status
Active since 30-03-2000 Normal situation
Activity
Insurance agents and brokers NACE 66220and 1 other
Establishment unit
2.093.769.051 6200 Châtelet, since 13-04-2000
Financial year end
31 December
Peppol
Not found in the Peppol Directory
Company details

Board and ownership

Board
  • RIDDHIDirector · since 17-03-2021 · permanent representative FALCO Michaël
  • WALIMAXDirector · since 17-03-2021 · permanent representative WANTE Emerik
Shareholders
  • RIDDHI2025 annual accounts of RIDDHI
  • WALIMAX30-06-2025 annual accounts of WALIMAX
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€41,418
▼ 23.0%
Equity
€8,057
=
Total assets
€491,625
▲ 36.1%
Employees on 31-12-2025
2
=
  • 2025 accounts filed 48 days after the deadline
Filed on 17-09-2026
Financials
Signalsraises riskWeak solvency compared with the sector2025 accounts filed 48 days lateShow 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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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Two signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 3049 sector peers (2025).
NBB · sector comparison
Position among 3049 sector peers
Solvency
better than 10%
← weakest strongest →
raises risk · 2025 accounts filed 48 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
48 days late
2024
11 days late
2023
29 days late
2022
29 days late
2021
29 days late
2020
31 days late
2019
40 days late
← 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 after 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 29 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower solvency than 90% of companies in auxiliary financial servicessector median 50.1% · 3,049 companies 1.6% View

Recent changes

  1. · Gazette deed Changes of role: RIDDHI (administrateur non statutaire) and WALIMAX (administrateur non statutaire)Permanent representatives: FALCO Michaël and WANTE Emerik
  2. · Gazette deed Incorporation
All 15 events

Comparable companies

These companies have the same main activity as W&F Consult: insurance agents and brokers (NACE 66220). They are comparable in size and age: total assets between €451,000 and €533,000, founded between 1998 and 2001.

CompanyTotal assetsGross margin
W&F Consult Châtelet€491,625€193,606
V.M.D. Tournai€487,237€200,982
ASSURANCES JEAN-YVES BETTE Chièvres€451,064€169,998
SMARTSAFE-STARINSURANCE Brugge€451,432€190,528
AS SUR ANS Ans€532,595€183,101
RX CONSULT Schoten€457,211€206,000
ASSURITIE Hasselt€529,368€169,689
Full comparison

Key facts about W&F Consult
What is the company number of W&F Consult?
The company number of W&F Consult is 0471.564.312. The VAT number is the same number with BE in front: BE 0471.564.312.
Where is W&F Consult based?
The registered office is at Avenue Paul Pastur 8, 6200 Châtelet.Company details
What does W&F Consult do?
According to the KBO register, the main activity is insurance agents and brokers (NACE 66220).
What is the legal form of W&F Consult?
The legal form of W&F Consult is Private limited company (BV).
When was W&F Consult founded?
W&F Consult was founded on 30-03-2000.
Is W&F Consult still active?
Yes, W&F Consult is an active enterprise in the KBO register.
How many employees does W&F Consult have?
W&F Consult had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of W&F Consult?
The turnover in financial year 2025 is ≈ €370,000. This figure is estimated from the gross margin of €193,606 and 31 comparable companies (NACE 66220). It probably lies between €300,000 and €490,000.
Is W&F Consult profitable?
In financial year 2025, W&F Consult made a profit of €41,418.
Where can I find the annual accounts of W&F Consult?
W&F Consult filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of W&F Consult due?
W&F Consult 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 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 See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check

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