WAMBERSY
ActiveWAMBERSY has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €41k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+11
Solvency87▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.04 against 3.57 in 2024; short-term debt: 20.6% and cash: 34% of total assets), and 38.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
61.6%
Return on assets
17%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
11 d late
2024
36 d early
2023
13 d early
2022
4 d early
2021
4 d early
2020
1 d early
2019
26 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2021 · €0
2018: €0
2019: €0
2021: €0
2018 → 2022
Total assets
€241k▲ 18.2%
2024 · €204k
2018: €138k
2019: €113k
2020: €73k
2021: €109k
2022: €177k
2023: €129k
2024: €204k
2018 → 2025
Net result
€41k▲ 135%
2024 · €17k
2018: €118
2019: €1k
2020: €-40k
2021: €29k
2022: €19k
2023: €11k
2024: €17k
2018 → 2025
Working capital
€151k▲ 26.0%
2024 · €120k
2018: €76k
2019: €75k
2020: €39k
2021: €78k
2022: €103k
2023: €102k
2024: €120k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€0
Equity€64k-€82k▲ 29.3%€92k▲ 12.0%€109k▲ 18.0%€149k▲ 36.9%
Operating result€32k-€26k▼ 16.7%€17k▼ 36.7%€27k▲ 63.8%€58k▲ 111%
Net result€29k-€19k▼ 34.1%€11k▼ 45.0%€17k▲ 63.0%€41k▲ 135%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 111% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€41k▲ 7.8%
Current assets
€201k▲ 20.6%
Equity and liabilities €241k
Equity
€149k▲ 36.9%
Debt
€93k▼ 3.1%
The debt ratio falls from 46.8% to 38.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▲
2024 · €36k
Cash flow
€47k▲
2024 · €26k
Solvency
61.6%▲
2024 · 53.2%
Current ratio
4.04▲
2024 · 3.57
Quick ratio
3.76▲
2024 · 3.38
Debt / equity
0.62▼
2024 · 0.88
ROE
27.5%▲
2024 · 16.0%
ROA
17.0%▲
2024 · 8.5%
Interest coverage
18.35▲
2024 · 12.36
Debt
€93k▼
2024 · €96k
Debt ≤ 1 year
€50k▲
2024 · €47k
Debt > 1 year
€42k▼
2024 · €47k
Income taxes
€14k▲
2024 · €7k
Staff costs
€17k▲
2024 · €16k
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€204k€241k▲
Fixed assets21/28€38k€41k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€37k€40k▲
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€37k€40k▲
Other tangible fixed assets26€0€0=
Financial fixed assets28€1k€1k=
Current assets29/58€166k€201k▲
Stocks and contracts in progress3€9k€14k▲
Stocks30/36€9k€14k▲
Amounts receivable within one year40/41€50k€97k▲
Trade receivables40€41k€84k▲
Other amounts receivable41€9k€13k▲
Cash at bank and in hand54/58€101k€82k▼
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€204k€241k▲
Equity10/15€109k€149k▲
Contributions10/11€19k€19k=
Reserves13€50k€80k▲
Distributable reserves133€50k€80k▲
Profit (loss) carried forward14€40k€50k▲
Amounts payable17/49€96k€93k▼
Amounts payable after more than one year17€47k€42k▼
Financial debts170/4€47k€42k▼
Amounts payable within one year42/48€47k€50k▲
Current portion of amounts payable after more than one year42€7k€11k▲
Trade debts44€33k€24k▼
Suppliers440/4€33k€24k▼
Taxes, remuneration and social security45€1k€5k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€6k€10k▲
Accrued charges and deferred income492/3€2k€440▼
Income statement
Code20242025
Remuneration, social security and pensions62€16k€17k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€6k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€580€-616▼
Other operating charges640/8€298€1k▲
Non-recurring operating charges66A-€0
Gross operating margin9900€54k€81k▲
Operating profit (loss)9901€27k€58k▲
Financial income75/76B€280€949▲
Recurring financial income75€280€949▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€25k€55k▲
Income taxes67/77€7k€14k▲
Profit (loss) for the period9904€17k€41k▲
Profit (loss) for the period to be appropriated9905€17k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€81k▲
Profit (loss) brought forward from the previous period14P€39k€40k▲
Transfer to equity691/2€15k€30k▲
To other reserves6921€15k€30k▲
Profit to be distributed694/7€859€833▼
Return on contributions (dividend)694€859€833▼
The notes to these accounts (11 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Highest result since 2018net €41k ▲135%
Operating result €58k, net result €41k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €109k ▲18%
4 profitable years in a row build equity to €109k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 5.87
Current ratio from 2.53 to 5.87; short-term debt falls from €67k to €21k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-40k ▼2801%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-07
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
4 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, Liège · 1 establishment unit since 2010
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.
Rue des Vennes 1204020 LiègeGround area
318 m²
Building footprint
57 m²
Volume, LiDAR
596 m³
Parcel 62806C0496/00G000, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
WAMBERSY
since 20102.187.876.966
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62806C0496/00G000 | Wallonia | 318 m² | 1 · 57 m² | 11.7 m · 3 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.
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FINOA
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LOIC SOETE
BE 0780.357.080
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Wesley Van de Kerkhove
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Of 7,033 companies in sector 43221 we hold annual accounts for 3,468. 2,992 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2010
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
46842Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.