W-Fisc
ActiveW-Fisc has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139k and a net result of €107k. Equity is growing by ~219.5% per year across the filed fiscal years. Its solvency ranks better than 34% of 3263 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+7
Solvency50▲+18
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.74 against 0.51 in 2024; short-term debt: 25.6% and cash: 13.4% of total assets), and 74.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.1%
Return on assets
19.4%
Age of the figures
9 mo
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 07-06-2026, 54 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
54 d early
2024
29 d late
2023
18 d early
2022
45 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
€139k▲ 320%
2024 · €33k
2022: €4k
2023: €17k
2024: €33k
2022 → 2025
Total assets
€552k▲ 21.5%
2024 · €455k
2022: €54k
2023: €62k
2024: €455k
2022 → 2025
Net result
€107k▲ 501%
2024 · €18k
2022: €2k
2023: €15k
2024: €18k
2022 → 2025
Working capital
€-36k▲ 20.0%
2024 · €-45k
2022: €-11k
2023: €3k
2024: €-45k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€17k▲ 365%€33k▲ 96.9%€139k▲ 320%
Operating result€4k-€22k▲ 513%€31k▲ 40.6%€53k▲ 72.3%
Net result€2k-€15k▲ 569%€18k▲ 20.9%€107k▲ 501%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 72% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €552k
Fixed assets
€447k▲ 9.9%
Current assets
€105k▲ 121%
Equity and liabilities €552k
Equity
€139k▲ 320%
Debt
€414k▼ 1.8%
The debt ratio falls from 92.7% to 74.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74k▲
2024 · €41k
Cash flow
€128k▲
2024 · €28k
Solvency
25.1%▲
2024 · 7.3%
Current ratio
0.74▲
2024 · 0.51
Quick ratio
0.74▲
2024 · 0.51
Debt / equity
2.99▼
2024 · 12.78
ROE
77.4%▲
2024 · 54.1%
ROA
19.4%▲
2024 · 3.9%
Interest coverage
4.57▼
2024 · 10.43
Debt
€414k▼
2024 · €422k
Debt ≤ 1 year
€142k▲
2024 · €93k
Debt > 1 year
€270k▼
2024 · €329k
Income taxes
€10k▲
2024 · €9k
Staff costs
€3k▲
2024 · €250
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€455k€552k▲
Formation expenses20€0-
Fixed assets21/28€407k€447k▲
Tangible fixed assets22/27€28k€68k▲
Furniture and vehicles24€6k€54k▲
Leasing and similar rights25€23k€14k▼
Financial fixed assets28€379k€379k=
Current assets29/58€48k€105k▲
Amounts receivable within one year40/41-€16k
Trade receivables40-€16k
Current investments50/53€7k€11k▲
Cash at bank and in hand54/58€40k€74k▲
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€455k€552k▲
Equity10/15€33k€139k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€30k€136k▲
Amounts payable17/49€422k€414k▼
Amounts payable after more than one year17€329k€270k▼
Financial debts170/4€329k€270k▼
Amounts payable within one year42/48€93k€142k▲
Current portion of amounts payable after more than one year42€49k€94k▲
Trade debts44€1k€7k▲
Suppliers440/4€1k€7k▲
Advances received on contracts in progress46€1k-
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€35k€35k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€250€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€21k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€43k€80k▲
Operating profit (loss)9901€31k€53k▲
Financial income75/76B€198€81k▲
Recurring financial income75€198€81k▲
Financial charges65/66B€4k€16k▲
Recurring financial charges65€4k€16k▲
Profit (loss) for the period before taxes9903€27k€117k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€18k€107k▲
Profit (loss) for the period to be appropriated9905€18k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€137k▲
Profit (loss) brought forward from the previous period14P€14k€30k▲
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
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
Next filing, fiscal year 2026, expected by
2026
19-08
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 2026-08-14
- Registered-office move, Oostmalseweg 86, 2340 Beerse
07-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2022net €107k ▲501%
Operating result €53k, net result €107k, both a record.
31-12
Financial
Equity above €100kEq €139k ▲320%
4 profitable years in a row build equity to €139k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
13-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 1.15
Current ratio from 0.44 to 1.15.
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beerse · 1 establishment unit since 2022
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.
Oostmalseweg 862340 BeerseGround area
1,245 m²
Building footprint
196 m²
Volume, LiDAR
386 m³
2 parcels, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
W-Fisc
since 20222.335.333.693
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004E0001/00W074 | Flanders | 850 m² | 1 · 115 m² | 3.8 m |
| 13046C0519/00E003 | Flanders | 395 m² | 1 · 81 m² | 7.2 m · 2 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
2025 · 1 entry · 1,485 EUR awarded · 1,485 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,485 EUR | 1,485 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,637. 6,535 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2022
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.