Summary
WAPI SERVICES 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 €394k and a net result of €153k. Equity is growing by ~55.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 490 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
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 22-06-2026, 39 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
39 d early
2024
22 d late
2023
50 d early
2022
32 d early
2021
23 d late
2020
13 d late
2019
20 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€394k▲ 63.5%
2024 · €241k
2018: €-92k
2019: €-205k
2020: €-122k
2021: €-192k
2022: €70k
2023: €102k
2024: €241k
2018 → 2025
Net result
€153k▼ 58.7%
2024 · €370k
2018: €-112k
2019: €-113k
2020: €83k
2021: €-71k
2022: €323k
2023: €122k
2024: €370k
2018 → 2025
Total assets
€732k▼ 32.7%
2024 · €1.09M
2018: €1.54M
2019: €1.36M
2020: €1.30M
2021: €1.12M
2022: €799k
2023: €739k
2024: €1.09M
2018 → 2025
Solvency
53.8%▲ 31.6pp
2024 · 22.1%
2018: -6.0%
2019: -15.0%
2020: -9.4%
2021: -17.1%
2022: 8.8%
2023: 13.8%
2024: 22.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-192k-€70k€102k▲ 45.2%€241k▲ 136%€394k▲ 63.5%
Operating result€-70k-€368k€175k▼ 52.4%€508k▲ 190%€207k▼ 59.2%
Net result€-71k-€323k€122k▼ 62.2%€370k▲ 204%€153k▼ 58.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 59% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €732k
Fixed assets
€170k ▼ 32.3%
Current assets
€562k ▼ 32.8%
Equity and liabilities €732k
Equity
€394k ▲ 63.5%
Debt
€338k ▼ 60.1%
Debt's share of the balance-sheet total falls from 77.9% to 46.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
38.8%▼
2024 · 153.5%
ROA
20.9%▼
2024 · 34.0%
Debt ≤ 1 year
€220k▼
2024 · €647k
Debt > 1 year
€118k▼
2024 · €200k
Income taxes
€57k▼
2024 · €135k
Staff costs
€377k▲
2024 · €259k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.09M€732k▼
Fixed assets21/28€251k€170k▼
Intangible fixed assets21€203k€121k▼
Tangible fixed assets22/27€48k€49k▲
Plant, machinery and equipment23€33k€27k▼
Furniture and vehicles24€15k€22k▲
Current assets29/58€836k€562k▼
Amounts receivable within one year40/41€101k€255k▲
Other amounts receivable41€101k€255k▲
Current investments50/53€52k-
Cash at bank and in hand54/58€425k€90k▼
Deferred charges and accrued income490/1€258k€216k▼
Equity and liabilities
Total equity and liabilities10/49€1.09M€732k▼
Equity10/15€241k€394k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€231k€384k▲
Amounts payable17/49€847k€338k▼
Amounts payable after more than one year17€200k€118k▼
Other amounts payable178/9€200k€118k▼
Amounts payable within one year42/48€647k€220k▼
Current portion of amounts payable after more than one year42€59k€14k▼
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€105k€119k▲
Taxes450/3€59k€75k▲
Remuneration and social security454/9€45k€44k▼
Other amounts payable47/48€481k€82k▼
Accrued charges and deferred income492/3€52€54▲
Income statement
Code20242025
Remuneration, social security and pensions62€259k€377k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€100k▲
Other operating charges640/8€13k€46k▲
Gross operating margin9900€877k€730k▼
Operating profit (loss)9901€508k€207k▼
Financial income75/76B€5k€11k▲
Recurring financial income75€5k€11k▲
Financial charges65/66B€8k€8k▼
Recurring financial charges65€8k€8k▼
Profit (loss) for the period before taxes9903€505k€210k▼
Income taxes67/77€135k€57k▼
Profit (loss) for the period9904€370k€153k▼
Profit (loss) for the period to be appropriated9905€370k€153k▼
Appropriation of the result
Profit (loss) to be appropriated9906€411k€384k▼
Profit (loss) brought forward from the previous period14P€41k€231k▲
Profit to be distributed694/7€180k-
Return on contributions (dividend)694€180k-
Social balance
Average headcount (FTE)90875.66.0▲
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
16-09
State Gazette act
General meeting · Share issueShareholding · Merger · Transfer of a branch of activity or universality40 facts ▸
State Gazette act
General meeting · Share issue
Shareholding · Merger · Transfer of a branch of activity or universality40 facts ▸
- General meeting, 31-07-2026
- Share issue, 1 par 63, fractionnement
- Shareholding, 31-07-2026, 4158
- Shareholding, 31-07-2026, 4284
- Shareholding, 31-07-2026, 4158
- Merger, scission par apport
- Merger, scission par apport
- Other statement, 27-05-2026
- Other statement, dispense de lecture, chaque actionnaire reconnaissant en avoir eu parfaite connaissance plus d'un mois avant la date de la présente assemblée
- Other statement, dispense de rapports de scission, article 12:65 du Code des Sociétés et des Associations
- Other statement, dispense de situation comptable intermédiaire, article 12:64 §2 dernier alinéa du Code des Sociétés et des Associations
- Other statement, dispense de lecture des rapports sur apports en nature, chaque actionnaire reconnaissant avoir reçu un exemplaire de ces rapports et en avoir pris connaissance
- +28 further facts in this act
22-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
31-12
Financial
Highest result since 2018net €370k ▲204%
Operating result €508k, net result €370k, both a record.
31-12
Financial
Equity above €200kEq €241k ▲136%
3 profitable years in a row build equity to €241k.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €100kEq €102k ▲45.2%
2 profitable years in a row build equity to €102k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €323k
Net result €323k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 13 days late
2020
31-12
Financial
Back to profitnet €83k
Net result €83k after 2 loss-making years.
Show earlier events
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet €-113k
Net result drops to €-113k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 12 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 12 acts read
About the unread acts
Of the 12 Belgian State Gazette acts we know for this company, 1 has been read. The other 11 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
12 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Tournai · 3 establishment units since 2017
Ground area
1,608 m²
Building footprint
280 m²
Volume, LiDAR
2,891 m³
3 parcels, Wallonia · tallest building 16.3 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
Wapi Services
since 20172.262.532.522
Wapi Services
since 20222.332.024.015
WAPI SERVICES
since 20252.368.684.669
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57072C0004/00V002 | Wallonia | 631 m² | 1 · 91 m² | 11.9 m · 3 fl. |
| 57003C0282/00H000 | Wallonia | 587 m² | 1 · 104 m² | 16.3 m · 5 fl. |
| 57005B0376/00F000 | Wallonia | 390 m² | 1 · 86 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Other provisions of the articles (15)
- Other statement: mise à disposition des documents, Code des Sociétés et des associations
- Other statement: dispense d'avis sur le rapport d'échange, tous les actionnaires des sociétés participant à l'opération de scission approuveront l'exemption des rapports prévus…
- Other statement: Responsabilité de l'organe d'administration
- Other statement (11)
- Other statement: rencontrer les exigences de l'article 5:133 du CSA, Limitation à l'utilisation du rapport
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,041 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2017
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:gaetan@espace-notaires.be
Phone:0497188335