Financials
- Fiscal year
- 2025
- Total assets
- €1.1m
- Profit
- €65,634
- Solvency
- 80.4%
Total assets▲ 10.1%
Net result
20182025
W & I
ActiveSummary
W & I has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €867,008 and a net result of €65,634. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 11293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47112NACE 52112
#9 company by equity in Steenokkerzeel, Wholesale and retail trade sector1 site
How big
€1.1mtotal assets 2025
- Staff
- 5.2 FTE
- Equity
- €867,008
- Profit
- €65,634
Turnover not published (abridged schema)
Who decides
Accounts filed 27 d late1 of 4 deeds read
Why 96+ Liquidity: current ratio 13.69, cash €256,759+ Equity €867,008 (80.4% of total assets)+ Founded in 2005+ Figures for FY 2025 (filed 27-08-2026)Show the evidence
Checked score
Score 2025
96
/ 100
Excellent
Probability in this band: under 0.55%
Better than 71% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 80.4% of total assets
Liquidity
80-3
short-term debt 5.0% · cash 23.8%
Profitability
76-17
return on assets 6.1%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%lowest value
12-2024: 0.1%● 0.0% vs 11-2024lowest value
01-2025: 0.1%● 0.0% vs 12-2024lowest value
02-2025: 0.1%● 0.0% vs 01-2025lowest value
03-2025: 0.1%● 0.0% vs 02-2025lowest value
04-2025: 0.1%● 0.0% vs 03-2025lowest value
05-2025: 0.1%● 0.0% vs 04-2025lowest value
06-2025: 0.1%▲ +12.0% vs 05-2025
07-2025: 0.1%▲ +14.3% vs 06-2025
08-2025: 0.1%▲ +76.6% vs 07-2025highest value
09-2025: 0.1%▼ -55.8% vs 08-2025lowest value
10-2025: 0.1%● 0.0% vs 09-2025lowest value
11-2025: 0.1%● 0.0% vs 10-2025lowest value
12-2025: 0.1%● 0.0% vs 11-2025lowest value
01-2026: 0.1%● 0.0% vs 12-2025lowest value
02-2026: 0.1%● 0.0% vs 01-2026lowest value
03-2026: 0.1%● 0.0% vs 02-2026lowest value
04-2026: 0.1%● 0.0% vs 03-2026lowest value
05-2026: 0.1%● 0.0% vs 04-2026lowest value
06-2026: 0.1%● 0.0% vs 05-2026lowest value
07-2026: 0.1%● 0.0% vs 06-2026lowest value
08-2026: 0.1%▲ +104% vs 07-2026
09-2026: 0.1%▼ -51.0% vs 08-2026lowest value
10-2026: 0.1%● 0.0% vs 09-2026lowest value
- Liquidity: current ratio 13.69, cash €256,759 lowers the probability
- Equity €867,008 (80.4% of total assets) lowers the probability
- Founded in 2005 lowers the probability for this profile
- Figures for FY 2025 (filed 27-08-2026) lowers the probability
Credit up to €80,000 at 30 days acceptable
Liquidity ample (current ratio 13.69 against 6.72 in 2024; short-term debt: 5% and cash: 23.8% of total assets), and 19.6% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 84%, profitability 64%, growth against the median 45%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
17 d late
2023
28 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 36 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Resignation: Werner Nys (non-statutory director)State Gazette act
- Liquidity doublescurrent ratio 13.69
Key points
By topic
Timeline
- Events
- 16
- Since
- 2017
- Next accounts
- by 31-07-2027
- 27-08-2026Annual accounts filed
- 19-05-2026Resignation: Werner Nys (non-statutory director)
- 31-12-2025Liquidity doubles
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 28-09-2005
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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