Equity
-€177,522
Debts exceed assets in financial year 2025.
Wajctex
Lifetime
20 annual accounts with figures on one time axis, 49 filings since 1977Gross marginpeak €989,019 (2025)
€989,019▲ 0.9%
Resultlowest -€1.7m (2020)
€987,738▲ 1.6%
Equitypeak €1.3m (2007)
-€177,522▲ €987,738
Debts
€178,426▼ 84.7%
Staffpeak 14.8 FTE (2007)
-not published
Board1 name since 2021
1 directorMonderer Benjamin
Owners
77.75%YACHIF INVEST
Documentsfilings and deeds
08-05-202623 days before the deadline
2025micro format
Equity from -€1.2m to -€177,522Debts from €1.2m to €178,426
Key points
from the 2025 annual accountsFilings
49 annual accounts since 1977
Three of the last ten came late. The 2022 accounts came latest: 40 days after the end of the period.
At the same address
22 companies
Checked score
55
Fair
Financially stronger than 49% of micro companies without a NACE code
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.4%● unchanged vs 12-2024
02-2025: 1.5%▲ +0.1 percentage points vs 01-2025
03-2025: 1.7%▲ +0.2 percentage points vs 02-2025
04-2025: 2.0%▲ +0.3 percentage points vs 03-2025
05-2025: 2.2%▲ +0.2 percentage points vs 04-2025highest value
06-2025: 0.8%▼ -1.4 percentage points vs 05-2025
07-2025: 0.8%● unchanged vs 06-2025
08-2025: 0.8%● unchanged vs 07-2025
09-2025: 0.8%● unchanged vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.3%▼ -0.5 percentage points vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.4%▲ +0.1 percentage points vs 04-2026
06-2026: 0.2%▼ -0.2 percentage points vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€177,522
lowers risk
Size: total assets €904
Founded in 1972
Figures for financial year 2025 (filed on 08-05-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 5% of them on solvency, 12% on liquidity, 90% on profitability and 91% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-10-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,794 companies had the same profile as Wajctex has now. Each dot stands for 10 companies, two years later.
91.5%
were still trading
5.3%
stopped another way
2.7%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Wajctex itself is lower: 0.2% within 12 months. It rests on far more data about Wajctex than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,794 companies, not a prediction for Wajctex. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
The balance sheet total is too small for a liquidity verdict. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 08-05-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 days early
2024
2 days early
2023
40 days late
2022
40 days late
2021
6 days early
2020
on the day
2019
16 days late
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 9 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-10-2026 is due by 31-05-2027. Nothing is late today. The company usually files around 29 May (4 of the last 5 accounts filed within 42 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
31-10-2026 year end06-11-2026 today31-05-2027 deadline
Board and ownership
MB
Monderer Benjamin
Director
- YACHIF INVEST 77.75%score 55equity €237,375 (2025) · 30-06-2025 annual accounts of YACHIF INVEST
Recent changes
Registered office moved from Puurs to Lasne
New registered office: Chaussée de Louvain 496 te 1380 Lasne · Previous registered office: Veurstraat, 73/2 te 2870 Puurs · Gazette deed
First establishment
Chaussée de Louvain 496, Lasne
Official details
Source: KBO- Status
- Active since 15-12-1972Normal situation
- Registered office
- 24 active companies are registered at this addressSource: KBO register, as of 6 November 2026.
- Activity
- No activity registered in the KBO
- Establishment unit
- 2.008.126.4641380 Lasne, since 01-01-1973
- Financial year end
- 31 October
- Peppol
- Not found in the Peppol Directory
Annual accounts to 31-10-2025
- Turnover
- ≈ €2.0mestimated
- Total assets
- €904▼ 8.0%
- Filing
- Filed on 08-05-2026, 23 days before the end of the filing period
Insights on Wajctex
Wajctex files the micro format. That format states no turnover. The gross margin rose from €627,105 in 2006 to €989,019 in 2025.
YACHIF INVEST holds 77.75% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Wajctex
- What is the company number of Wajctex?
- The company number of Wajctex is 0412.842.589. The VAT number is the same number with BE in front: BE 0412.842.589.
- Where is Wajctex based?
- The registered office is at Chaussée de Louvain 496, 1380 Lasne.Company details
- What is the legal form of Wajctex?
- Wajctex is a private limited company (pre-2019) (BVBA).
- When was Wajctex founded?
- Wajctex was founded on 15-12-1972.
- Is Wajctex still active?
- Yes, Wajctex is an active enterprise in the KBO register.
- How many employees does Wajctex have?
- Wajctex had an average of 5.6 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- What is the turnover of Wajctex?
- The turnover in financial year 2025 is ≈ €2.0m. This figure is estimated from the gross margin of €989,019 and 880 comparable companies of the same size. It probably lies between €1.4m and €2.9m. It is a rough estimate.
- Is Wajctex profitable?
- In financial year 2025, Wajctex made a profit of €987,738.
- Where can I find the annual accounts of Wajctex?
- Wajctex filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Wajctex due?
- Wajctex must file the annual accounts for financial year 2026 by 31-05-2027.Timeline
Next steps
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