Financials
- Fiscal year
- 2025
- Total assets
- €328,077
- Profit
- €29,385
- Solvency
- 67.7%
Total assets▼ 11.8%
Net result
20192025
WIBNI
ActiveSummary
WIBNI has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222,181 and a net result of €29,385. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 12348 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Agents specialised in the wholesale of other particular products
NACE 46180NACE 51180
#8 oldest company in Chaumont-Gistoux, Wholesale and retail trade sector1 site
Size
€328,077total assets 2025
- Equity
- €222,181
- Profit
- €29,385
Turnover not published (abridged schema)
Structure
Accounts filed 26 d late0 of 5 deeds read
Why 95+ Founded in 1993+ Liquidity: current ratio 1.04, cash €77,291+ Equity €222,181 (67.7% of total assets)+ Size: total assets €328,077Show the evidence
Checked score
Score 2025
95
/ 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
93+3
equity 67.7% of total assets
Liquidity
66+4
short-term debt 32.3% · cash 23.6%
Profitability
80+3
return on assets 9.0%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 8 months
03-2026: 0.1%
04-2026: 0.1%▲ +7.3% vs 03-2026
05-2026: 0.1%▲ +1.7% vs 04-2026
06-2026: 0.1%▼ -1.7% vs 05-2026
07-2026: 0.1%▲ +16.9% vs 06-2026
08-2026: 0.2%▲ +149% vs 07-2026highest value
09-2026: 0.1%▼ -69.8% vs 08-2026lowest value
10-2026: 0.1%● 0.0% vs 09-2026lowest value
- Founded in 1993 lowers the probability for this profile
- Liquidity: current ratio 1.04, cash €77,291 lowers the probability
- Equity €222,181 (67.7% of total assets) lowers the probability
- Size: total assets €328,077 lowers the probability for this profile
Credit up to €21,000 at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.09 in 2024; short-term debt: 32.3% and cash: 23.6% of total assets), and 32.3% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 46, micro). Better than this share of them on solvency 73%, liquidity 71%, profitability 72%, growth against the median 27%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
29 d late
2023
23 d late
2022
28 d late
2021
143 d late
2020
67 d late
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 41 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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 28 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2016
- Next accounts
- by 31-07-2027
- 26-08-2026Annual accounts filed
- 29-08-2025Annual accounts filed
- 23-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Agents specialised in the wholesale of other particular…NACE 46180
- Founded
- 18-10-1993
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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 How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.