Summary
WANOFIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €507,316 and a net result of -€21,214. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 1495 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
16 d early
2024
20 d early
2023
33 d early
2022
24 d late
2021
37 d early
2020
22 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 17 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#2 employer in Sint-Niklaas, Finance and insurance sector
Equity
€507,316▼ 4.0%
2024 · €528,530
Net result
-€21,214
2024 · €79,842
Total assets
€684,878▼ 3.8%
2024 · €711,877
Solvency
74.1%▼ 0.2pp
2024 · 74.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€64,113▼ 68.5%€378,318▲ 490%€39,604▼ 89.5%€121,245▲ 206%-€15,102
Net result€39,563within the sector's middle half▼ 68.0%€252,274above the sector's middle half▲ 538%€13,376below the sector's middle half▼ 94.7%€79,842within the sector's middle half▲ 497%-€21,214below the sector's middle half
Equity€183,038within the sector's middle half▲ 27.6%€435,312within the sector's middle half▲ 138%€448,688within the sector's middle half▲ 3.1%€528,530within the sector's middle half▲ 17.8%€507,316within the sector's middle half▼ 4.0%
Total assets€310,546below the sector's middle half▼ 9.5%€608,540within the sector's middle half▲ 96.0%€632,390within the sector's middle half▲ 3.9%€711,877within the sector's middle half▲ 12.6%€684,878within the sector's middle half▼ 3.8%
Debt€127,508▼ 36.1%€173,229▲ 35.9%€183,702▲ 6.0%€183,347▼ 0.2%€177,562▼ 3.2%
Working capital€161,922▲ 67.2%€422,078▲ 161%€442,596▲ 4.9%€526,524▲ 19.0%€506,419▼ 3.8%
Solvency58.9%within the sector's middle half▲ 17.1pp71.5%above the sector's middle half▲ 12.6pp71.0%above the sector's middle half▼ 0.6pp74.2%above the sector's middle half▲ 3.3pp74.1%above the sector's middle half▼ 0.2pp
Staff (FTE)11.5above the sector's middle half▼ 2.5%13.4above the sector's middle half▲ 16.5%13.2above the sector's middle half▼ 1.5%14.2above the sector's middle half▲ 7.6%13.9above the sector's middle half▼ 2.1%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15,102 after €121,245 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €684,878
Fixed assets
€2,091 ▼ 48.8%
Current assets
€682,787 ▼ 3.5%
Equity and liabilities €684,878
Equity
€507,316 ▼ 4.0%
Debt
€177,562 ▼ 3.2%
Debt's share of the balance-sheet total rises from 25.8% to 25.9%. Equity and debt are lower.
Key figures and ratios
ROE
-4.2%▼
2024 · 15.1%
ROA
-3.1%▼
2024 · 11.2%
Debt ≤ 1 year
€176,368▼
2024 · €181,270
Income taxes
€4,974▼
2024 · €40,985
Staff costs
€1.1m▲
2024 · €1.1m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €120 | €0 | - | - |
| Remuneration, social security and pensions62 | €750,633 | €925,191 | €1.0m | €1.1m | €1.1m | ▲ 3.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,022 | €13,077 | €6,388 | €2,009 | €1,992 | ▼ 0.9% |
| Other operating charges640/8 | €4,409 | €1,533 | €1,613 | €2,900 | €1,227 | ▼ 57.7% |
| Non-recurring operating charges66A | - | - | €591 | €0 | - | - |
| Gross operating margin9900 | €832,177 | €1.3m | €1.1m | €1.2m | €1.1m | ▼ 8.9% |
| Operating profit (loss)9901 | €64,113 | €378,318 | €39,604 | €121,245 | -€15,102 | ▼ 112% |
| Financial income75/76B | €1 | €0 | €19 | €8,947 | €8,786 | ▼ 1.8% |
| Recurring financial income75 | €1 | €0 | €19 | €8,947 | €8,786 | ▼ 1.8% |
| Financial charges65/66B | €1,295 | €5,997 | €8,596 | €9,365 | €9,925 | ▲ 6.0% |
| Recurring financial charges65 | €1,295 | €5,997 | €8,596 | €9,365 | €9,925 | ▲ 6.0% |
| Profit (loss) for the period before taxes9903 | €62,818 | €372,321 | €31,027 | €120,827 | -€16,240 | ▼ 113% |
| Income taxes67/77 | €23,255 | €120,047 | €17,651 | €40,985 | €4,974 | ▼ 87.9% |
| Profit (loss) for the period9904 | €39,563 | €252,274 | €13,376 | €79,842 | -€21,214 | ▼ 127% |
| Profit (loss) for the period to be appropriated9905 | €39,563 | €252,274 | €13,376 | €79,842 | -€21,214 | ▼ 127% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €310,546 | €608,540 | €632,390 | €711,877 | €684,878 | ▼ 3.8% |
| Fixed assets21/28 | €21,116 | €13,234 | €6,092 | €4,083 | €2,091 | ▼ 48.8% |
| Tangible fixed assets22/27 | €21,116 | €13,234 | €6,092 | €4,083 | €2,091 | ▼ 48.8% |
| Plant, machinery and equipment23 | €1,624 | €1,214 | €803 | €393 | €0 | ▼ 100% |
| Furniture and vehicles24 | €19,491 | €12,020 | €5,289 | €3,690 | €2,091 | ▼ 43.3% |
| Current assets29/58 | €289,430 | €595,306 | €626,298 | €707,794 | €682,787 | ▼ 3.5% |
| Amounts receivable within one year40/41 | €252,394 | €198,687 | €250,059 | €0 | €28,572 | - |
| Trade receivables40 | €225,649 | €198,687 | €217,709 | €0 | - | - |
| Other amounts receivable41 | €26,745 | €0 | €32,349 | €0 | €28,572 | - |
| Current investments50/53 | - | - | - | €374,735 | €350,000 | ▼ 6.6% |
| Cash at bank and in hand54/58 | €28,680 | €388,981 | €367,356 | €108,780 | €91,446 | ▼ 15.9% |
| Deferred charges and accrued income490/1 | €8,357 | €7,639 | €8,883 | €224,279 | €212,768 | ▼ 5.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €310,546 | €608,540 | €632,390 | €711,877 | €684,878 | ▼ 3.8% |
| Equity10/15 | €183,038 | €435,312 | €448,688 | €528,530 | €507,316 | ▼ 4.0% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €163,038 | €415,312 | €428,688 | €508,530 | €487,316 | ▼ 4.2% |
| Distributable reserves133 | €163,038 | €415,312 | €428,688 | €508,530 | €487,316 | ▼ 4.2% |
| Amounts payable17/49 | €127,508 | €173,229 | €183,702 | €183,347 | €177,562 | ▼ 3.2% |
| Amounts payable within one year42/48 | €127,508 | €173,229 | €183,702 | €181,270 | €176,368 | ▼ 2.7% |
| Trade debts44 | €44,050 | €54,547 | €14,690 | €56,137 | €56,876 | ▲ 1.3% |
| Suppliers440/4 | €44,050 | €54,547 | €14,690 | €56,137 | €56,876 | ▲ 1.3% |
| Taxes, remuneration and social security45 | €83,458 | €118,682 | €169,002 | €124,917 | €119,404 | ▼ 4.4% |
| Taxes450/3 | €0 | €20,291 | €31,366 | €6,309 | €0 | ▼ 100% |
| Remuneration and social security454/9 | €83,458 | €98,392 | €137,636 | €118,609 | €119,404 | ▲ 0.7% |
| Other amounts payable47/48 | - | - | €10 | €216 | €87 | ▼ 59.5% |
| Accrued charges and deferred income492/3 | - | - | - | €2,077 | €1,194 | ▼ 42.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39,563 | €252,274 | €13,376 | €79,842 | -€21,214 | ▼ 127% |
| + Depreciation and write-downs630 | €13,022 | €13,077 | €6,388 | €2,009 | €1,992 | ▼ 0.9% |
| Operating cash flow (approximation) | €52,585 | €265,351 | €19,764 | €81,851 | -€19,222 | ▼ 123% |
| Investment in fixed assets (approximation) | - | -€5,196 | €754 | €0 | €0 | - |
| Change in cash | - | €360,301 | -€21,625 | -€258,576 | -€17,334 | ▲ 93.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€21,214
Net result drops to -€21,214, the lowest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500,000Eq €528,530 ▲17.8%
5 profitable years in a row build equity to €528,530.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-12
Financial
Highest result since 2020net €252,274 ▲538%
Operating result €378,318, net result €252,274, both a record.
31-12
Financial
Equity above €200,000Eq €435,312 ▲138%
3 profitable years in a row build equity to €435,312.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €150,000Eq €183,038 ▲27.6%
2 profitable years in a row build equity to €183,038.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Sint-Niklaas · 1 establishment unit since 2019
Ground area
749 m²
Building footprint
492 m²
Volume, LiDAR
2,929 m³
2 parcels, Flanders · tallest building 19.8 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Kantoor STEKENE
since 20192.286.737.881
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46444D0668/00B003 | Flanders | 427 m² | 1 · 174 m² | 19.8 m · 2 fl. |
| 46024A0650/00S000 | Flanders | 322 m² | 1 · 318 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 11,095 EUR awarded · 11,095 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 229 EUR | 229 EUR |
| 2024 | 1 | 75 EUR | 75 EUR |
| 2023 | 2 | 2,214 EUR | 2,214 EUR |
| 2022 | 1 | 8,577 EUR | 8,577 EUR |
Similar companies · same sector, comparable size
MS Finance
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Nifinco
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Roeselare · Eq €508,238
BAUGNIES et Cie
BE 0407.919.147
Péruwelz · Eq €508,315
WAUTERS & Co
BE 0459.841.861
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PROFILEASE
BE 0819.510.933
Antwerpen · Eq €508,719
Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 1,010 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-03-2019
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0722658116
Registered
27-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.