WENVANDY
ActiveWENVANDY has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165k and a net result of €8k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▲+8
Solvency53▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.36 against 0.43 in 2024; short-term debt: 52.4% and cash: 0.2% of total assets), and 71.8% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
28.2%
Return on assets
1.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 10 filingsDeviation from the deadline
2025
17 d late
2024
61 d late
2023
61 d late
2022
60 d late
2021
78 d late
2020
122 d late
2019
89 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€165k▲ 5.4%
2024 · €156k
2018: €105k
2019: €104k
2020: €115k
2021: €113k
2022: €123k
2023: €156k
2024: €156k
2018 → 2025
Total assets
€584k▼ 6.0%
2024 · €622k
2018: €178k
2019: €158k
2020: €169k
2021: €168k
2022: €175k
2023: €230k
2024: €622k
2018 → 2025
Net result
€8k▲ 2,158%
2024 · €374
2018: €41k
2019: €-461
2020: €10k
2021: €-1k
2022: €10k
2023: €33k
2024: €374
2018 → 2025
Working capital
€-196k▼ 4.7%
2024 · €-187k
2018: €39k
2019: €40k
2020: €52k
2021: €53k
2022: €65k
2023: €92k
2024: €-187k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€123k▲ 8.9%€156k▲ 26.4%€156k▲ 0.2%€165k▲ 5.4%
Operating result€968-€17k▲ 1,606%€45k▲ 170%€4k▼ 91.1%€13k▲ 242%
Net result€-1k-€10k€33k▲ 225%€374▼ 98.9%€8k▲ 2,158%
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 recovers in 2025; 2025 is 242% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €584k
Fixed assets
€474k▼ 1.3%
Current assets
€110k▼ 21.9%
Equity and liabilities €584k
Equity
€165k▲ 5.4%
Debt
€419k▼ 9.8%
The debt ratio falls from 74.8% to 71.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €9k
Cash flow
€10k▲
2024 · €5k
Solvency
28.2%▲
2024 · 25.2%
Current ratio
0.36▼
2024 · 0.43
Quick ratio
0.36▼
2024 · 0.43
Debt / equity
2.54▼
2024 · 2.97
ROE
5.1%▲
2024 · 0.2%
ROA
1.4%▲
2024 · 0.1%
Interest coverage
2.08▲
2024 · 1.28
Debt
€419k▼
2024 · €465k
Debt ≤ 1 year
€306k▼
2024 · €328k
Debt > 1 year
€113k▼
2024 · €137k
Income taxes
€2k▲
2024 · €1k
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€622k€584k▼
Fixed assets21/28€481k€474k▼
Tangible fixed assets22/27€60k€53k▼
Land and buildings22€55k€53k▼
Furniture and vehicles24€5k€0▼
Financial fixed assets28€421k€421k=
Current assets29/58€141k€110k▼
Amounts receivable within one year40/41€134k€105k▼
Trade receivables40€0-
Other amounts receivable41€134k€105k▼
Cash at bank and in hand54/58€19€1k▲
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€622k€584k▼
Equity10/15€156k€165k▲
Contributions10/11€19k€19k=
Reserves13€138k€146k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€136k€144k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€465k€419k▼
Amounts payable after more than one year17€137k€113k▼
Financial debts170/4€137k€113k▼
Amounts payable within one year42/48€328k€306k▼
Current portion of amounts payable after more than one year42€23k€24k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€25k€9k▼
Taxes450/3€25k€9k▼
Other amounts payable47/48€279k€270k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€13k€17k▲
Operating profit (loss)9901€4k€13k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€1k€10k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€374€8k▲
Profit (loss) for the period to be appropriated9905€374€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€374€8k▲
Profit (loss) brought forward from the previous period14P-€53
Transfer to equity691/2€374€8k▲
To other reserves6921€374€8k▲
The notes to these accounts (24 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
02-09
State Gazette act
General meeting · Director reappointment
Permanent representative · Mandate compensation
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Equity above €150kEq €156k ▲26.4%
2 profitable years in a row build equity to €156k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Weakest financial yearnet €-1k ▼112%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 140 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 58 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneState Gazette actNBB 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, Knokke-Heist · 1 establishment unit since 1994
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.
Knokkestraat 1248301 Knokke-HeistGround area
265 m²
Building footprint
265 m²
Volume, LiDAR
1,826 m³
Parcel 31336G0131/00_000, Flanders · tallest building 20.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WENVANDY
since 19942.066.866.793
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31336G0131/00_000 | Flanders | 265 m² | 1 · 265 m² | 19.9 m · 2 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.
Structure & network
Ownership & control
1 partyWENVANDYBE 0452.498.169
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 2,016 companies in sector 47770 we hold annual accounts for 898. 710 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-04-1994
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
73110Advertising agencies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.