Walto
ActiveWalto has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €146k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 27% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency57▼-7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.43 in 2024), and 70.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
29.8%
Return on assets
42.8%
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 8 filingsDeviation from the deadline
2025
25 d late
2024
28 d late
2023
3 d late
2022
7 d early
2021
4 d early
2020
9 d late
2019
90 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€146k▲ 8.8%
2024 · €135k
2018: €-3k
2019: €40k
2020: €173k
2021: €266k
2022: €65k
2023: €126k
2024: €135k
2018 → 2025
Working capital
€100k▲ 29.9%
2024 · €77k
2018: €-2k
2019: €39k
2020: €128k
2021: €143k
2022: €141k
2023: €82k
2024: €77k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€149k-€134k▼ 9.8%€101k▼ 25.0%€95k▼ 5.3%€102k▲ 6.8%
Operating result€343k-€83k▼ 75.8%€163k▲ 96.0%€179k▲ 10.2%€191k▲ 6.5%
Net result€266k-€65k▼ 75.4%€126k▲ 93.2%€135k▲ 6.5%€146k▲ 8.8%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €343k
Fixed assets
€13k▼ 26.6%
Current assets
€329k▲ 29.3%
Equity and liabilities €343k
Equity
€102k▲ 6.8%
Debt
€241k▲ 35.6%
The debt ratio rises from 65.0% to 70.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€196k▲
2024 · €184k
Cash flow
€152k▲
2024 · €139k
Solvency
29.8%▼
2024 · 35.0%
Current ratio
1.44▲
2024 · 1.43
Quick ratio
1.44▲
2024 · 1.43
Debt / equity
2.36▲
2024 · 1.86
ROE
143.7%▲
2024 · 141.0%
ROA
42.8%▼
2024 · 49.3%
Interest coverage
1709.52▼
2024 · 3678.41
Debt
€241k▲
2024 · €177k
Debt ≤ 1 year
€229k▲
2024 · €177k
Income taxes
€44k▼
2024 · €45k
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€273k€343k▲
Fixed assets21/28€18k€13k▼
Tangible fixed assets22/27€18k€13k▼
Plant, machinery and equipment23€1k€478▼
Furniture and vehicles24€17k€13k▼
Current assets29/58€255k€329k▲
Amounts receivable within one year40/41€210k€272k▲
Trade receivables40€193k€234k▲
Other amounts receivable41€17k€38k▲
Cash at bank and in hand54/58€44k€57k▲
Deferred charges and accrued income490/1€229€383▲
Equity and liabilities
Total equity and liabilities10/49€273k€343k▲
Equity10/15€95k€102k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€75k€81k▲
Amounts payable17/49€177k€241k▲
Amounts payable within one year42/48€177k€229k▲
Trade debts44€6k€135k▲
Suppliers440/4€6k€66k▲
Bills of exchange payable441-€69k
Taxes, remuneration and social security45€52k€61k▲
Taxes450/3€50k€59k▲
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€120k€34k▼
Accrued charges and deferred income492/3-€12k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€166€524▲
Gross operating margin9900€184k€197k▲
Operating profit (loss)9901€179k€191k▲
Financial income75/76B€357€243▼
Recurring financial income75€357€243▼
Financial charges65/66B€50€115▲
Recurring financial charges65€50€115▲
Profit (loss) for the period before taxes9903€179k€191k▲
Income taxes67/77€45k€44k▼
Profit (loss) for the period9904€135k€146k▲
Profit (loss) for the period to be appropriated9905€135k€146k▲
Appropriation of the result
Profit (loss) to be appropriated9906€215k€221k▲
Profit (loss) brought forward from the previous period14P€80k€75k▼
Profit to be distributed694/7€140k€140k=
Return on contributions (dividend)694€140k€140k=
The notes to these accounts (5 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Equity above €100kEq €102k ▲6.8%
7 profitable years in a row build equity to €102k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
03-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 3 days late
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €266k ▲53.6%
Operating result €343k, net result €266k, both a record.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 9 days late
2020
31-12
Financial
Equity above €100kEq €133k ▲187%
2 profitable years in a row build equity to €133k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full 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, Waterloo · 1 establishment unit since 2018
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.
Avenue du Printemps 311410 WaterlooGround area
550 m²
Building footprint
159 m²
Volume, LiDAR
1,156 m³
Parcel 25110B0329/00B000, Wallonia · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue du Printemps 31, 1410 Waterloo
since 20182.278.436.859
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110B0329/00B000 | Wallonia | 549 m² | 1 · 159 m² | 10.6 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
PROJECTRICS
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4INCH
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LUKKY IT SOLUTIONS
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ELLIS SOLUTIONS
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Nieuwpoort · Eq €102k
Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 15,508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2018
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
58290Other software publishing
61100Wired, wireless and satellite telecommunications
61200Telecommunications resale and intermediation services
61900Telecommunications
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.