WeChapter
ActiveSummary
WeChapter 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 €1,006 and a net result of €66,005. Equity is shrinking by ~24.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 2463 sector peers (fiscal year 2025). The company has been active since 2015 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.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2463 sector peers (2025).
NBB · sector comparisonPosition among 2463 sector peers
Solvency
better than 10%
← weakest
strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
29 d early
2023
13 d early
2022
32 d early
2021
72 d early
2020
22 d early
2019
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 31 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. Usually files around 2 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€1,006▼ 94.6%
2024 · €18,600
Net result
€66,005▼ 6.7%
2024 · €70,719
Total assets
€86,145▼ 19.5%
2024 · €107,054
Solvency
1.2%▼ 16.2pp
2024 · 17.4%
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
Turnover
Operating result€199,004▲ 41.8%€103,411▼ 48.0%€84,434▼ 18.4%€91,714▲ 8.6%€86,741▼ 5.4%
Net result€151,970above the sector's middle half▲ 40.2%€81,535above the sector's middle half▼ 46.3%€64,970within the sector's middle half▼ 20.3%€70,719within the sector's middle half▲ 8.8%€66,005within the sector's middle half▼ 6.7%
Equity€21,320below the sector's middle half▼ 39.7%€21,320below the sector's middle half=€86,290within the sector's middle half▲ 305%€18,600below the sector's middle half▼ 78.4%€1,006below the sector's middle half▼ 94.6%
Total assets€224,060within the sector's middle half▲ 19.9%€155,239within the sector's middle half▼ 30.7%€118,191below the sector's middle half▼ 23.9%€107,054below the sector's middle half▼ 9.4%€86,145below the sector's middle half▼ 19.5%
Debt€202,740▲ 33.8%€133,919▼ 33.9%€31,901▼ 76.2%€88,454▲ 177%€85,138▼ 3.7%
Working capital€18,479within the sector's middle half▼ 38.9%€17,151within the sector's middle half▼ 7.2%€86,340within the sector's middle half▲ 403%€15,122within the sector's middle half▼ 82.5%-€6,161within the sector's middle half
Solvency9.5%below the sector's middle half▼ 9.4pp13.7%below the sector's middle half▲ 4.2pp73.0%within the sector's middle half▲ 59.3pp17.4%below the sector's middle half▼ 55.6pp1.2%below the sector's middle half▼ 16.2pp
Current ratio1.09within the sector's middle half▼ 0.111.13within the sector's middle half▲ 0.044.04within the sector's middle half▲ 2.911.17within the sector's middle half▼ 2.870.93within the sector's middle half▼ 0.25
Return on assets (ROA)67.8%above the sector's middle half▲ 9.8pp52.5%above the sector's middle half▼ 15.3pp55.0%above the sector's middle half▲ 2.4pp66.1%above the sector's middle half▲ 11.1pp76.6%above the sector's middle half▲ 10.6pp
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 micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €86,145
Fixed assets
€9,596 ▲ 176%
Current assets
€76,549 ▼ 26.1%
Equity and liabilities €86,145
Equity
€1,006 ▼ 94.6%
Debt
€85,138 ▼ 3.7%
Debt's share of the balance-sheet total rises from 82.6% to 98.8%. Equity and debt are lower.
Key figures and ratios
Debt ≤ 1 year
€82,710▼
2024 · €88,454
Debt > 1 year
€2,429
Income taxes
€18,613▼
2024 · €19,415
A ratio outside any meaningful range has been withheld (balance sheet total €86,145, equity €1,006).
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 | - | €8,471 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,188 | €1,733 | €1,907 | €1,730 | €1,505 | ▼ 13.0% |
| Other operating charges640/8 | €852 | €871 | €3,073 | €3,607 | €4,782 | ▲ 32.6% |
| Non-recurring operating charges66A | - | €957 | €0 | - | - | - |
| Gross operating margin9900 | €202,044 | €106,971 | €89,413 | €97,051 | €93,027 | ▼ 4.1% |
| Operating profit (loss)9901 | €199,004 | €103,411 | €84,434 | €91,714 | €86,741 | ▼ 5.4% |
| Financial income75/76B | €1,195 | €2,148 | €734 | €193 | €256 | ▲ 32.6% |
| Recurring financial income75 | €1,195 | €2,148 | €734 | €193 | €256 | ▲ 32.6% |
| Financial charges65/66B | €154 | €416 | €2,463 | €1,772 | €2,378 | ▲ 34.2% |
| Recurring financial charges65 | €154 | €416 | €2,463 | €1,772 | €2,378 | ▲ 34.2% |
| Profit (loss) for the period before taxes9903 | €200,045 | €105,143 | €82,705 | €90,135 | €84,618 | ▼ 6.1% |
| Income taxes67/77 | €48,076 | €23,608 | €17,735 | €19,415 | €18,613 | ▼ 4.1% |
| Profit (loss) for the period9904 | €151,970 | €81,535 | €64,970 | €70,719 | €66,005 | ▼ 6.7% |
| Profit (loss) for the period to be appropriated9905 | €151,970 | €81,535 | €64,970 | €70,719 | €66,005 | ▼ 6.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €224,060 | €155,239 | €118,191 | €107,054 | €86,145 | ▼ 19.5% |
| Fixed assets21/28 | €3,462 | €5,375 | €3,468 | €3,478 | €9,596 | ▲ 176% |
| Tangible fixed assets22/27 | €3,372 | €5,285 | €3,378 | €3,388 | €9,506 | ▲ 181% |
| Land and buildings22 | €1,369 | €724 | €435 | €145 | €0 | ▼ 100% |
| Plant, machinery and equipment23 | - | €3,011 | €2,391 | €1,770 | €1,149 | ▼ 35.1% |
| Furniture and vehicles24 | €2,003 | €1,550 | €553 | €1,473 | €8,357 | ▲ 467% |
| Financial fixed assets28 | €90 | €90 | €90 | €90 | €90 | = |
| Current assets29/58 | €220,598 | €149,864 | €114,723 | €103,576 | €76,549 | ▼ 26.1% |
| Amounts receivable within one year40/41 | €158,519 | €87,950 | €45,774 | €43,285 | €38,859 | ▼ 10.2% |
| Trade receivables40 | €129,003 | €59,072 | €25,729 | €23,320 | €26,735 | ▲ 14.6% |
| Other amounts receivable41 | €29,516 | €28,878 | €20,046 | €19,965 | €12,123 | ▼ 39.3% |
| Cash at bank and in hand54/58 | €58,300 | €52,331 | €28,569 | €56,361 | €33,132 | ▼ 41.2% |
| Deferred charges and accrued income490/1 | €3,779 | €9,583 | €40,380 | €3,929 | €4,558 | ▲ 16.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €224,060 | €155,239 | €118,191 | €107,054 | €86,145 | ▼ 19.5% |
| Equity10/15 | €21,320 | €21,320 | €86,290 | €18,600 | €1,006 | ▼ 94.6% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €1 | ▼ 100.0% |
| Reserves13 | €2,720 | €2,720 | €67,690 | €0 | €1,005 | - |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €860 | €860 | €67,690 | €0 | €1,005 | - |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €202,740 | €133,919 | €31,901 | €88,454 | €85,138 | ▼ 3.7% |
| Amounts payable after more than one year17 | - | - | - | - | €2,429 | - |
| Financial debts170/4 | - | - | - | - | €2,429 | - |
| Amounts payable within one year42/48 | €202,120 | €132,713 | €28,383 | €88,454 | €82,710 | ▼ 6.5% |
| Current portion of amounts payable after more than one year42 | - | €8,362 | €11,834 | €0 | €3,696 | - |
| Trade debts44 | €1,232 | €2,240 | €4,282 | €5,795 | €9,676 | ▲ 67.0% |
| Suppliers440/4 | €1,232 | €2,240 | €4,282 | €5,795 | €9,676 | ▲ 67.0% |
| Taxes, remuneration and social security45 | €34,888 | €40,575 | €12,267 | €11,939 | €12,570 | ▲ 5.3% |
| Taxes450/3 | €34,638 | €40,325 | €12,267 | €11,939 | €12,570 | ▲ 5.3% |
| Remuneration and social security454/9 | €250 | €250 | €0 | - | - | - |
| Other amounts payable47/48 | €166,000 | €81,535 | €0 | €70,719 | €56,768 | ▼ 19.7% |
| Accrued charges and deferred income492/3 | €621 | €1,206 | €3,518 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €151,970 | €81,535 | €64,970 | €70,719 | €66,005 | ▼ 6.7% |
| + Depreciation and write-downs630 | €2,188 | €1,733 | €1,907 | €1,730 | €1,505 | ▼ 13.0% |
| Operating cash flow (approximation) | €154,158 | €83,268 | €66,877 | €72,450 | €67,511 | ▼ 6.8% |
| Investment in fixed assets (approximation) | - | -€3,645 | €0 | -€1,740 | -€7,624 | ▼ 338% |
| Change in cash | - | -€5,969 | -€23,762 | €27,793 | -€23,230 | ▼ 184% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €64,970 ▼20.3%
Net result drops to €64,970, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 4.04
Current ratio from 1.13 to 4.04; short-term debt falls from €132,713 to €28,383.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €151,970 ▲40.2%
Operating result €199,004, net result €151,970, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Grobbendonk · 1 establishment unit since 2015
Ground area
2,075 m²
Parcel 13010C0053/00B005, Flanders. Linked by address, not a title deed.
1 establishment unit
WeChapter
since 20152.243.680.967
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010C0053/00B005 | Flanders | 2,075 m² | - | - |
Linked by address, not proof of ownership
Good to know
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
BENIMO
BE 0736.661.451
Bastogne · Eq €1,000
GUILLACO
BE 0805.343.488
Jabbeke · Eq €976
ASJ Capital
BE 1028.866.924
Sint-Pieters-Woluwe · Eq €889
M & R INVEST
BE 0733.901.802
Tielt · Eq €714
GABERAC
BE 0898.750.035
Etterbeek · Eq €1,537
Of 592 companies in sector 66300 we hold annual accounts for 366. 31 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
Founded14-07-2015
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
81100Combined facilities support activities
82100Office administrative and support services
82990Other business support services
Contact
Phone
0032498501016Grobbendonk
E-invoicing
Reachable via Peppol
Peppol ID
0208:0633806512
Also
9925:BE0633806512
Registered
29-06-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.