W FINANCIAL
ActiveW FINANCIAL has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €51k and a net result of €29k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 18% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100=
Solvency10▲+3
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.24 against 0.28 in 2023), and 84.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
15.7%
Return on assets
8.9%
Age of the figures
20 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 37971 sector peers (2024).
NBB · sector comparisonPosition among 37971 sector peers
Solvency
better than 18%
← weakest
strongest →
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €51k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
61 d late
2022
31 d late
2021
26 d late
2020
89 d late
2019
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€29k▲ 72.5%
2023 · €17k
2018: €10k
2019: €6k
2020: €-2k
2021: €-8k
2022: €-3k
2023: €17k
2018 → 2024
Working capital
€-99k▲ 9.3%
2023 · €-109k
2018: €-44k
2019: €-68k
2020: €-102k
2021: €-131k
2022: €-97k
2023: €-109k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€43k-€35k▼ 18.3%€32k▼ 8.6%€35k▲ 9.7%€51k▲ 46.0%
Operating result€5k-€-1k€2k€24k▲ 1,286%€41k▲ 69.0%
Net result€-2k-€-8k▼ 308%€-3k▲ 61.8%€17k€29k▲ 72.5%
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 69% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €326k
Fixed assets
€295k▼ 2.8%
Current assets
€31k▼ 26.9%
Equity and liabilities €326k
Equity
€51k▲ 46.0%
Debt
€275k▼ 11.6%
The debt ratio falls from 89.9% to 84.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€50k▲
2023 · €43k
Cash flow
€38k▲
2023 · €35k
Solvency
15.7%▲
2023 · 10.1%
Current ratio
0.24▼
2023 · 0.28
Quick ratio
0.24▼
2023 · 0.28
Debt / equity
5.37▼
2023 · 8.88
ROE
56.9%▲
2023 · 48.2%
ROA
8.9%▲
2023 · 4.9%
Interest coverage
15.65▲
2023 · 11.40
Debt
€275k▼
2023 · €311k
Debt ≤ 1 year
€130k▼
2023 · €152k
Debt > 1 year
€145k▼
2023 · €159k
Income taxes
€9k▲
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€346k€326k▼
Fixed assets21/28€303k€295k▼
Tangible fixed assets22/27€128k€120k▼
Land and buildings22€127k€118k▼
Furniture and vehicles24€1k€1k=
Financial fixed assets28€175k€175k=
Current assets29/58€43k€31k▼
Amounts receivable within one year40/41€33k€24k▼
Trade receivables40€24k€24k=
Other amounts receivable41€9k€0▼
Cash at bank and in hand54/58€9k€7k▼
Deferred charges and accrued income490/1€547€126▼
Equity and liabilities
Total equity and liabilities10/49€346k€326k▼
Equity10/15€35k€51k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133-€2k
Profit (loss) carried forward14€21k€37k▲
Amounts payable17/49€311k€275k▼
Amounts payable after more than one year17€159k€145k▼
Financial debts170/4€99k€85k▼
Other amounts payable178/9€60k€60k=
Amounts payable within one year42/48€152k€130k▼
Current portion of amounts payable after more than one year42€33k€14k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€4k€9k▲
Other amounts payable47/48€109k€103k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€8k▼
Other operating charges640/8€824€2k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€44k€53k▲
Operating profit (loss)9901€24k€41k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€21k€38k▲
Income taxes67/77€4k€9k▲
Profit (loss) for the period9904€17k€29k▲
Profit (loss) for the period to be appropriated9905€17k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€50k▲
Profit (loss) brought forward from the previous period14P€18k€21k▲
Profit to be distributed694/7€14k€13k▼
Return on contributions (dividend)694€800€0▼
Directors or managers695€13k€13k=
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €29k ▲72.5%
Operating result €41k, net result €29k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
07-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 99 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
Thierry WALSCHOT
CurrentDirector · since 28-12-2023
28-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2014
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.
Tenbos 341000 BrusselGround area
184 m²
Building footprint
185 m²
Volume, LiDAR
2,648 m³
Parcel 21807G0166/00X000, Brussels · tallest building 23.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Tenbos 34, 1000 Brussel
since 20142.252.971.290
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0166/00X000 | Brussels | 184 m² | 1 · 185 m² | 23.8 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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VUBO
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CEA Management
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CREASSENT
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Anzegem · Eq €51k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 38,076 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
66191Agents and brokers in banking services
66220Insurance agents and brokers
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.