WHISPER SERVICES
ActiveSummary
WHISPER SERVICES has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €34k. Equity is growing by ~34.5% per year across the filed fiscal years. Its solvency ranks better than 44% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+48
Solvency65▼-2
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.69 in 2024; short-term debt: 60.3% and cash: 61.6% of total assets), but 60.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
39.5%
Return on assets
37.6%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
30 d late
2022
4 d early
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€34k▲ 12,876%
2024 · €260
2022: €8k
2023: €10k
2024: €260
2022 → 2025
Working capital
€33k▲ 60.1%
2024 · €21k
2022: €11k
2023: €20k
2024: €21k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€12k-€21k▲ 82.5%€22k▲ 1.2%€35k▲ 63.2%
Operating result€12k-€15k▲ 26.7%€2k▼ 85.4%€46k▲ 2,027%
Net result€8k-€10k▲ 25.0%€260▼ 97.3%€34k▲ 12,876%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,027% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€2k ▲ 142%
Current assets
€87k ▲ 71.5%
Equity and liabilities €90k
Equity
€35k ▲ 63.2%
Debt
€54k ▲ 79.9%
Debt's share of the balance-sheet total rises from 58.1% to 60.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47k▲
2024 · €3k
Cash flow
€34k▲
2024 · €919
Current ratio
1.61▼
2024 · 1.69
Debt to equity
1.53▲
2024 · 1.39
ROE
95.2%▲
2024 · 1.2%
ROA
37.6%▲
2024 · 0.5%
Interest coverage
142.81▲
2024 · 3.97
Debt ≤ 1 year
€54k▲
2024 · €30k
Income taxes
€12k▲
2024 · €1k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€52k€90k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Current assets29/58€51k€87k▲
Amounts receivable within one year40/41€29k€31k▲
Trade receivables40€29k€31k▲
Other amounts receivable41€10-
Cash at bank and in hand54/58€20k€55k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€52k€90k▲
Equity10/15€22k€35k▲
Contributions10/11€4k€4k=
Reserves13€18k€31k▲
Distributable reserves133€18k€31k▲
Amounts payable17/49€30k€54k▲
Amounts payable within one year42/48€30k€54k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€22k€26k▲
Taxes450/3€18k€22k▲
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€4k€26k▲
Accrued charges and deferred income492/3-€155
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€659€628▼
Other operating charges640/8€3k€830▼
Gross operating margin9900€6k€48k▲
Operating profit (loss)9901€2k€46k▲
Financial income75/76B-€8
Recurring financial income75-€8
Financial charges65/66B€714€329▼
Recurring financial charges65€714€329▼
Profit (loss) for the period before taxes9903€1k€46k▲
Income taxes67/77€1k€12k▲
Profit (loss) for the period9904€260€34k▲
Profit (loss) for the period to be appropriated9905€260€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€260€34k▲
Transfer to equity691/2€260€14k▲
To other reserves6921€260€14k▲
Profit to be distributed694/7-€20k
Return on contributions (dividend)694-€20k
The notes to these accounts (5 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2022net €34k ▲12876%
Operating result €46k, net result €34k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €260 ▼97.3%
Net result drops to €260, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full 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, Soignies · 1 establishment unit since 2022
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.
Rue des Déportés 1727061 SoigniesGround area
8,291 m²
Building footprint
257 m²
Volume, LiDAR
1,365 m³
Parcel 55006D0089/00Y000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WHISPER SERVICES
since 20222.330.250.794
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55006D0089/00Y000 | Wallonia | 8,291 m² | 1 · 257 m² | 7.4 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.
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,703 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
Founded01-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.