W&R
ActiveW&R has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €401k and a net result of €34k. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 62% of 3108 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-1
Solvency72▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.81 in 2024; short-term debt: 26.5% and cash: 14.4% of total assets), and 52.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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
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
47.3%
Return on assets
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
41 d early
2023
42 d early
2022
42 d early
2021
53 d early
2020
50 d early
2019
50 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€401k▲ 8.9%
2024 · €368k
2018: €100k
2019: €122k
2020: €151k
2021: €182k
2022: €243k
2023: €324k
2024: €368k
2018 → 2025
Total assets
€848k▲ 0.1%
2024 · €847k
2018: €453k
2019: €461k
2020: €488k
2021: €495k
2022: €544k
2023: €654k
2024: €847k
2018 → 2025
Net result
€34k▼ 25.1%
2024 · €46k
2018: €48k
2019: €22k
2020: €32k
2021: €33k
2022: €63k
2023: €81k
2024: €46k
2018 → 2025
Working capital
€-37k▼ 1.9%
2024 · €-36k
2018: €-5k
2019: €-37k
2020: €-19k
2021: €-48k
2022: €16k
2023: €30k
2024: €-36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€182k-€243k▲ 33.9%€324k▲ 32.9%€368k▲ 13.7%€401k▲ 8.9%
Operating result€40k-€90k▲ 126%€128k▲ 41.8%€77k▼ 39.5%€70k▼ 8.9%
Net result€33k-€63k▲ 93.3%€81k▲ 29.4%€46k▼ 43.8%€34k▼ 25.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €848k
Fixed assets
€661k▼ 4.7%
Current assets
€188k▲ 21.5%
Equity and liabilities €848k
Equity
€401k▲ 8.9%
Debt
€447k▼ 6.7%
The debt ratio falls from 56.6% to 52.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€198k▲
2024 · €196k
Cash flow
€161k▼
2024 · €165k
Solvency
47.3%▲
2024 · 43.4%
Current ratio
0.83▲
2024 · 0.81
Quick ratio
0.83▲
2024 · 0.81
Debt / equity
1.12▼
2024 · 1.30
ROE
8.5%▼
2024 · 12.4%
ROA
4.0%▼
2024 · 5.4%
Interest coverage
9.33▼
2024 · 14.57
Debt
€447k▼
2024 · €479k
Debt ≤ 1 year
€225k▲
2024 · €191k
Debt > 1 year
€223k▼
2024 · €289k
Income taxes
€15k▼
2024 · €18k
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€847k€848k▲
Fixed assets21/28€693k€661k▼
Tangible fixed assets22/27€674k€642k▼
Land and buildings22€335k€382k▲
Plant, machinery and equipment23€23k€28k▲
Furniture and vehicles24€316k€231k▼
Financial fixed assets28€19k€19k=
Current assets29/58€154k€188k▲
Amounts receivable within one year40/41€79k€57k▼
Trade receivables40€76k€57k▼
Other amounts receivable41€4k-
Cash at bank and in hand54/58€74k€122k▲
Deferred charges and accrued income490/1€681€8k▲
Equity and liabilities
Total equity and liabilities10/49€847k€848k▲
Equity10/15€368k€401k▲
Contributions10/11€19k€19k=
Reserves13€348k€382k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€345k€379k▲
Profit (loss) carried forward14€2k€341▼
Amounts payable17/49€479k€447k▼
Amounts payable after more than one year17€289k€223k▼
Financial debts170/4€289k€223k▼
Amounts payable within one year42/48€191k€225k▲
Current portion of amounts payable after more than one year42€69k€66k▼
Trade debts44€12k€31k▲
Suppliers440/4€12k€31k▲
Taxes, remuneration and social security45€7k€21k▲
Taxes450/3€7k€21k▲
Other amounts payable47/48€103k€107k▲
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€119k€127k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€200k€200k▲
Operating profit (loss)9901€77k€70k▼
Financial income75/76B€6€49▲
Recurring financial income75€6€49▲
Financial charges65/66B€13k€21k▲
Recurring financial charges65€13k€21k▲
Profit (loss) for the period before taxes9903€64k€49k▼
Income taxes67/77€18k€15k▼
Profit (loss) for the period9904€46k€34k▼
Profit (loss) for the period to be appropriated9905€46k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€36k▼
Profit (loss) brought forward from the previous period14P€3k€2k▼
Transfer to equity691/2€46k€34k▼
To other reserves6921€46k€34k▼
Profit to be distributed694/7€1k€1k=
Return on contributions (dividend)694€1k€1k=
The notes to these accounts (9 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €81k ▲29.4%
Operating result €128k, net result €81k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €243k ▲33.9%
5 profitable years in a row build equity to €243k.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €151k ▲23.8%
3 profitable years in a row build equity to €151k.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €22k ▼54.7%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Dessel · 1 establishment unit since 2008
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.
Eersels 782480 DesselGround area
2,980 m²
Building footprint
229 m²
Volume, LiDAR
856 m³
Parcel 13006C0415/00A000, Flanders · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Eersels 78, 2480 Dessel
since 20082.169.812.202
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006C0415/00A000 | Flanders | 2,980 m² | 1 · 229 m² | 5.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 90 EUR awarded · 90 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 90 EUR |
| 2024 | 1 | 90 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,676 companies in sector 01610 we hold annual accounts for 1,369. 1,087 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2008
Fiscal year end31-12
Activities, NACEBEL
01610Support activities for crop production
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.