W&M MANAGEMENT
ActiveSummary
W&M MANAGEMENT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €331k and a net result of €30k. Equity is growing by ~36.3% per year across the filed fiscal years. Its solvency ranks better than 36% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+21
Solvency62▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 5.61 against 3.9 in 2024; short-term debt: 8.8% and cash: 7.1% of total assets), but 63.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
36.8%
Return on assets
3.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 9 filingsDeviation from the deadline
2025
5 d late
2024
29 d late
2023
33 d early
2022
33 d early
2021
25 d early
2020
43 d early
2019
11 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€331k▲ 9.8%
2024 · €301k
2018: €50k
2019: €60k
2020: €81k
2021: €128k
2022: €204k
2023: €301k
2024: €301k
2018 → 2025
Total assets
€898k▼ 3.8%
2024 · €934k
2018: €533k
2019: €1.09M
2020: €1.09M
2021: €1.33M
2022: €1.20M
2023: €951k
2024: €934k
2018 → 2025
Net result
€30k▲ 15,507%
2024 · €190
2018: €28k
2019: €10k
2020: €23k
2021: €47k
2022: €76k
2023: €97k
2024: €190
2018 → 2025
Working capital
€363k▲ 7.1%
2024 · €339k
2018: €-22k
2019: €-88k
2020: €-91k
2021: €-140k
2022: €-135k
2023: €185k
2024: €339k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€204k▲ 59.3%€301k▲ 47.4%€301k▲ 0.1%€331k▲ 9.8%
Operating result€92k-€135k▲ 47.5%€123k▼ 8.8%€14k▼ 88.7%€60k▲ 331%
Net result€47k-€76k▲ 61.1%€97k▲ 27.4%€190▼ 99.8%€30k▲ 15,507%
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 recovers in 2025; 2025 is 331% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €898k
Fixed assets
€456k ▼ 4.5%
Current assets
€442k ▼ 3.1%
Equity and liabilities €898k
Equity
€331k ▲ 9.8%
Debt
€568k ▼ 10.3%
Debt's share of the balance-sheet total falls from 67.8% to 63.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€79k▲
2024 · €33k
Cash flow
€49k▲
2024 · €20k
Current ratio
5.61▲
2024 · 3.90
Debt to equity
1.72▼
2024 · 2.10
ROE
8.9%▲
2024 · 0.1%
ROA
3.3%▲
2024 · 0.0%
Interest coverage
4.16▲
2024 · 2.15
Debt ≤ 1 year
€79k▼
2024 · €117k
Debt > 1 year
€487k▼
2024 · €516k
Income taxes
€15k▲
2024 · €978
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€934k€898k▼
Fixed assets21/28€478k€456k▼
Tangible fixed assets22/27€470k€451k▼
Land and buildings22€467k€448k▼
Furniture and vehicles24€555€946▲
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€8k€5k▼
Current assets29/58€456k€442k▼
Amounts receivable after more than one year29€300k€300k=
Other amounts receivable291€300k€300k=
Amounts receivable within one year40/41€78k€69k▼
Trade receivables40€29k€21k▼
Other amounts receivable41€49k€48k▼
Cash at bank and in hand54/58€73k€64k▼
Deferred charges and accrued income490/1€6k€9k▲
Equity and liabilities
Total equity and liabilities10/49€934k€898k▼
Equity10/15€301k€331k▲
Contributions10/11€40k€40k=
Reserves13€261k€290k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€257k€286k▲
Profit (loss) carried forward14€190€267▲
Amounts payable17/49€633k€568k▼
Amounts payable after more than one year17€516k€487k▼
Financial debts170/4€516k€487k▼
Amounts payable within one year42/48€117k€79k▼
Current portion of amounts payable after more than one year42€28k€28k=
Financial debts43€0€15k▲
Credit institutions430/8€0€15k▲
Trade debts44€53k€7k▼
Suppliers440/4€53k€7k▼
Taxes, remuneration and social security45€12k€5k▼
Taxes450/3€12k€5k▼
Other amounts payable47/48€24k€24k▼
Accrued charges and deferred income492/3€0€1k▲
Income statement
Code20242025
Non-recurring operating income76A€29k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€23€2k▲
Gross operating margin9900€36k€84k▲
Operating profit (loss)9901€14k€60k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€15k€19k▲
Recurring financial charges65€15k€19k▲
Profit (loss) for the period before taxes9903€1k€45k▲
Income taxes67/77€978€15k▲
Profit (loss) for the period9904€190€30k▲
Profit (loss) for the period to be appropriated9905€190€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€190€30k▲
Profit (loss) brought forward from the previous period14P-€190
Transfer to equity691/2€0€30k▲
To other reserves6921€0€30k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (22 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €190 ▼99.8%
Net result drops to €190, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €97k ▲27.4%
Net result €97k, the highest in the series.
31-12
Financial
Liquidity times 7current ratio 2.77
Current ratio from 0.38 to 2.77; short-term debt falls from €218k to €104k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €204k ▲59.3%
5 profitable years in a row build equity to €204k.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €128k ▲58.2%
4 profitable years in a row build equity to €128k.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Aalter · 1 establishment unit since 2017
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.
Eekloseweg 629910 AalterGround area
735 m²
Building footprint
117 m²
Volume, LiDAR
539 m³
Parcel 44067A0858/00L000, Flanders · tallest building 6.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
W&M Management
since 20172.265.819.931
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44067A0858/00L000 | Flanders | 735 m² | 1 · 117 m² | 6.2 m · 2 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.
Similar companies · same sector, comparable size
ORISHIN
BE 0837.268.267
Arlon · Eq €330,504
Wale Construct
BE 0744.496.279
Izegem · Eq €330,500
B-up
BE 0642.769.015
Braine-l'Alleud · Eq €330,485
EQUICI
BE 0861.865.190
Londerzeel · Eq €330,467
CWPM-CONSULTANCY
BE 0871.965.959
Asse · Eq €330,572
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,553 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.