Wami Holding
ActiveWami Holding has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €29k. Equity is shrinking by ~31.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 23% of 7017 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+3
Solvency42▼-56
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.21 against 3.74 in 2024; short-term debt: 82.9% and cash: 61.1% of total assets), and 82.9% 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+raises risk○neutral
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
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
17.1%
Return on assets
21.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7017 sector peers (2025).
NBB · sector comparisonPosition among 7017 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 3 filingsDeviation from the deadline
2025
3 d late
2024
13 d late
2023
14 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 73.0%
2024 · €84k
2023: €62k
2024: €84k
2023 → 2025
Total assets
€133k▲ 15.6%
2024 · €115k
2023: €93k
2024: €115k
2023 → 2025
Net result
€29k▲ 22.4%
2024 · €24k
2023: €60k
2024: €24k
2023 → 2025
Working capital
€23k▼ 73.0%
2024 · €84k
2023: €62k
2024: €84k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€62k-€84k▲ 36.3%€23k▼ 73.0%
Operating result€77k-€31k▼ 59.5%€38k▲ 21.3%
Net result€60k-€24k▼ 60.7%€29k▲ 22.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €133k
Equity
€23k▼ 73.0%
Debt
€110k▲ 258%
The debt ratio rises from 26.7% to 82.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
17.1%▼
2024 · 73.3%
Current ratio
1.21▼
2024 · 3.74
Quick ratio
1.21▼
2024 · 3.74
Debt / equity
4.84▲
2024 · 0.36
ROE
127.4%▲
2024 · 28.1%
ROA
21.8%▲
2024 · 20.6%
Debt
€110k▲
2024 · €31k
Debt ≤ 1 year
€110k▲
2024 · €31k
Income taxes
€8k▲
2024 · €7k
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€115k€133k▲
Current assets29/58€115k€133k▲
Amounts receivable within one year40/41€401€525▲
Trade receivables40-€350
Other amounts receivable41€401€175▼
Current investments50/53-€51k
Cash at bank and in hand54/58€115k€81k▼
Equity and liabilities
Total equity and liabilities10/49€115k€133k▲
Equity10/15€84k€23k▼
Contributions10/11€2k€2k=
Reserves13€83k€21k▼
Distributable reserves133€83k€21k▼
Amounts payable17/49€31k€110k▲
Amounts payable within one year42/48€31k€110k▲
Financial debts43€462€313▼
Credit institutions430/8€462€313▼
Trade debts44€1k€877▼
Suppliers440/4€1k€877▼
Taxes, remuneration and social security45€25k€29k▲
Taxes450/3€24k€29k▲
Remuneration and social security454/9€748-
Other amounts payable47/48€4k€80k▲
Income statement
Code20242025
Other operating charges640/8€118€240▲
Gross operating margin9900€31k€38k▲
Operating profit (loss)9901€31k€38k▲
Financial income75/76B-€32
Recurring financial income75-€32
Financial charges65/66B€308€444▲
Recurring financial charges65€308€444▲
Profit (loss) for the period before taxes9903€31k€37k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€24k€29k▲
Profit (loss) for the period to be appropriated9905€24k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€29k▲
Transfer from equity791/2-€83k
Transfer to equity691/2€22k€21k▼
To the legal reserve6920€22k€21k▼
Profit to be distributed694/7€1k€91k▲
Return on contributions (dividend)694€1k€91k▲
The notes to these accounts (1 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
31-12
Financial
Weakest financial yearnet €24k ▼60.7%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Willebroek · 1 establishment unit since 2023
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.
Overwinningsstraat 792830 WillebroekGround area
276 m²
Building footprint
236 m²
Volume, LiDAR
1,180 m³
Parcel 12342C0280/00C003, Flanders · tallest building 10.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Wami Holding
since 20232.343.940.464
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12342C0280/00C003 | Flanders | 276 m² | 1 · 236 m² | 10.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
6994000SWND0H5YQ6O73
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 4,887 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2023
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.