Equity
€101,672 ▲ 113%
Equity rose in 2025 from €47,663 to €101,672.
waldoz
Lifetime
6 annual accounts with figures on one time axispeak €258,488 (2024)
€240,463▼ 7.0%
lowest -€20,342 (2022)
€54,009▼ 16.8%
peak €101,672 (2025)
€101,672▲ 113%
€69,793▼ 34.4%
Board2 names since 2019
1 directorDECOODT Jan Werner Steven
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Equity from €47,663 to €101,672Debts from €106,320 to €69,793
Key points
from the 2025 annual accountsTurnover
≈ €350,000 estimated
The micro format states no turnover.
Staff
2 employees on 31-12-2025
In 2025, 33 people joined and 33 left.
Filings
6 annual accounts 6 late
The 2020 accounts came latest: 31 days after the end of the period.
Starting capital
€6,666
Position in the sector
€240,463
Higher gross margin than 95% of companies in computer programming and consultancy. Sector median €54,238 · 21,203 companies.
Checked score
97
Excellent
Financially stronger than 72% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.5%▲ +0.1 percentage points vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.4%▼ -0.1 percentage points vs 04-2025
06-2025: 0.5%▲ +0.1 percentage points vs 05-2025
07-2025: 0.5%● unchanged vs 06-2025
08-2025: 0.8%▲ +0.3 percentage points vs 07-2025
09-2025: 0.9%▲ +0.1 percentage points vs 08-2025highest value
10-2025: < 0.1%▼ -0.9 percentage points vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026
09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 2.29, cash €109,544
Size: total assets €171,465
Equity €101,672 (59.3% of total assets)
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 (NACE 62, micro). It does better than 51% of them on solvency, 64% on liquidity, 82% on profitability and 91% on growth.
The bankruptcy probability was computed on 09-11-2026 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 31-12-2025.
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, 6,782 companies had the same profile as waldoz has now. Each dot stands for 17 companies, two years later.
96.7%
were still trading
2.7%
stopped another way
0.6%
went bankrupt
That fits the bankruptcy probability of waldoz itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 6,782 companies, not a prediction for waldoz. 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
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.29 (1.83 in 2024), above the usual 1.5. Short-term debt is 40.7% and cash 63.9% of total assets. 40.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
31 days late
2024
29 days late
2023
30 days late
2022
30 days late
2021
31 days late
2020
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 30 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- BOGAERT Jenno founderdeed of 08-08-2019
- DECOODT Jan Werner Steven founderdeed of 08-08-2019
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0731903107
Company renamed from Smart Solutions Agency to waldoz
Resignation: BOGAERT Jenno (director) · “De ontwikkeling,de commercialisering en het onderhoud van elektronische en informaticaproducten,van software-…” (deed in Dutch) · Director discharge: BOGAERT Jenno · General meeting of 06-12-2023 · Gazette deed
Incorporation
Founding capital of €6,666 · Founders: BOGAERT Jenno and DECOODT Jan Werner Steven · Appointments: BOGAERT Jenno (director) and DECOODT Jan Werner Steven (director) · published on 08-08-2019 · Gazette deed
First establishment
Smart Solutions Agency, Sleepstraat 82, Ghent
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| waldoz Ghent | €171,465 | €240,463 | 59.3% | - |
| Innovative Business Services La Hulpe | €170,601 | €265,453 | 48.4% | - |
| DS CONSULTING AND MANAGEMENT Huldenberg | €171,304 | €213,124 | 0.1% | - |
| MANA ASI Brunehaut | €170,117 | €200,260 | 0.1% | - |
| FACADE Antwerp | €203,344 | €225,522 | 5.7% | - |
| Trans IT Heist-op-den-Berg | €175,220 | €258,440 | 1.6% | - |
| Ernst@Work Schoten | €196,617 | €204,367 | 45.2% | 2.7 |
These companies have the same main activity as waldoz: computer programming (NACE 62100). They are comparable in size and age: total assets between €170,000 and €203,000, founded between 2018 and 2020.
Official details
Source: KBO- Status
- Active since 06-08-2019Normal situation
- Activity
- Computer programmingNACE 62100
- Joint committee
- 302Hotels and catering · annual accounts 2025
- Establishment unit
- 2.292.017.4539000 Ghent, since 06-08-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 02-12-2025
Insights on waldoz
waldoz files the micro format. That format states no turnover. The gross margin rose from -€3,967 in 2020 to €240,463 in 2025.
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 waldoz
- What is the company number of waldoz?
- The company number of waldoz is 0731.903.107. The VAT number is the same number with BE in front: BE 0731.903.107.
- Where is waldoz based?
- The registered office is at Sleepstraat 82, 9000 Ghent.Company details
- What does waldoz do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of waldoz?
- waldoz is a private limited company (BV).
- When was waldoz founded?
- waldoz was founded on 06-08-2019.
- Is waldoz still active?
- Yes, waldoz is an active enterprise in the KBO register.
- How many employees does waldoz have?
- waldoz had an average of 12.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does waldoz fall under?
- In its 2025 annual accounts, waldoz states joint committee 302 (Hotels and catering).
- What is the turnover of waldoz?
- The turnover in financial year 2025 is ≈ €350,000. This figure is estimated from the gross margin of €240,463 and 32 comparable companies (NACE 62100). It probably lies between €300,000 and €500,000.
- Is waldoz profitable?
- In financial year 2025, waldoz made a profit of €54,009.
- Where can I find the annual accounts of waldoz?
- waldoz filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of waldoz due?
- waldoz must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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