WI.ARE
ActiveWI.ARE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €52k. Equity is growing by ~69.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+2
Solvency86▲+17
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 1.46 in 2024; short-term debt: 18.9% and cash: 29.2% of total assets), and 38.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
61.2%
Return on assets
27.1%
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 27-08-2026, 27 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 · 4 filingsDeviation from the deadline
2025
27 d late
2024
1 d early
2023
61 d early
2022
29 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€52k▲ 38.2%
2024 · €38k
2022: €9k
2023: €22k
2024: €38k
2022 → 2025
Working capital
€43k▲ 181%
2024 · €15k
2022: €5k
2023: €-4k
2024: €15k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€12k-€33k▲ 187%€71k▲ 113%€117k▲ 65.3%
Operating result€13k-€31k▲ 140%€51k▲ 64.5%€71k▲ 38.2%
Net result€9k-€22k▲ 130%€38k▲ 73.4%€52k▲ 38.2%
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191k
Fixed assets
€112k▲ 0.4%
Current assets
€79k▲ 61.9%
Equity and liabilities €191k
Equity
€117k▲ 65.3%
Debt
€74k▼ 17.3%
The debt ratio falls from 55.9% to 38.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74k▲
2024 · €53k
Cash flow
€55k▲
2024 · €40k
Solvency
61.2%▲
2024 · 44.1%
Current ratio
2.19▲
2024 · 1.46
Quick ratio
2.19▲
2024 · 1.46
Debt / equity
0.63▼
2024 · 1.27
ROE
44.3%▼
2024 · 53.0%
ROA
27.1%▲
2024 · 23.4%
Interest coverage
20.30▲
2024 · 12.06
Debt
€74k▼
2024 · €90k
Debt ≤ 1 year
€36k▲
2024 · €34k
Debt > 1 year
€38k▼
2024 · €56k
Income taxes
€18k▲
2024 · €13k
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€160k€191k▲
Fixed assets21/28€111k€112k▲
Tangible fixed assets22/27€6k€7k▲
Plant, machinery and equipment23€1k€563▼
Furniture and vehicles24€3k€5k▲
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€105k€105k=
Current assets29/58€49k€79k▲
Amounts receivable within one year40/41€11k€19k▲
Trade receivables40€11k€14k▲
Other amounts receivable41€0€5k▲
Current investments50/53€1k€2k▲
Cash at bank and in hand54/58€35k€56k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€160k€191k▲
Equity10/15€71k€117k▲
Contributions10/11€3k€3k=
Outside capital11€3k-
Other1109/19€3k-
Profit (loss) carried forward14€68k€114k▲
Amounts payable17/49€90k€74k▼
Amounts payable after more than one year17€56k€38k▼
Financial debts170/4€56k€38k▼
Amounts payable within one year42/48€34k€36k▲
Current portion of amounts payable after more than one year42€17k€18k▲
Trade debts44€605€789▲
Suppliers440/4€605€789▲
Taxes, remuneration and social security45€14k€12k▼
Taxes450/3€14k€12k▼
Other amounts payable47/48€1k€6k▲
Accrued charges and deferred income492/3€66-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€890€1k▲
Non-recurring operating charges66A€382€127▼
Gross operating margin9900€55k€75k▲
Operating profit (loss)9901€51k€71k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€50k€70k▲
Income taxes67/77€13k€18k▲
Profit (loss) for the period9904€38k€52k▲
Profit (loss) for the period to be appropriated9905€38k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€120k▲
Profit (loss) brought forward from the previous period14P€30k€68k▲
Profit to be distributed694/7-€6k
Return on contributions (dividend)694-€6k
The notes to these accounts (7 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2022net €52k ▲38.2%
Operating result €71k, net result €52k, both a record.
31-12
Financial
Equity above €100kEq €117k ▲65.3%
4 profitable years in a row build equity to €117k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
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, Liège · 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 Joseph-Dejardin 294020 LiègeGround area
128 m²
Building footprint
54 m²
Volume, LiDAR
505 m³
Parcel 62807A1220/00D005, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
WI.ARE
since 20222.338.503.120
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62807A1220/00D005 | Wallonia | 128 m² | 1 · 54 m² | 11.0 m · 3 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.
Similar companies · same sector, comparable size
W-bouw
BE 0693.826.845
Aalter · Eq €117k
BATIMOLD
BE 0676.470.773
Seneffe · Eq €117k
AOR-ARCHITECTURE
BE 0755.900.214
Dour · Eq €117k
ARMADA architectuur & management De Pape
BE 0842.383.434
Gent · Eq €117k
ARCHITECTEN ASTERISK LIEBERT-POELS
BE 0872.683.264
Zemst · Eq €117k
Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 5,434 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2022
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.