WiFinCo
ActiveWiFinCo has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €49k. Equity is growing by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 71% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency100▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 4.88 against 2.06 in 2024; short-term debt: 14.6% and cash: 3.5% of total assets), and 24.2% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
75.8%
Return on assets
21.6%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
22 d early
2024
19 d late
2023
13 d late
2022
17 d late
2021
26 d late
2020
30 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€173k▲ 39.8%
2024 · €124k
2020: €30k
2021: €51k
2022: €59k
2023: €82k
2024: €124k
2020 → 2025
Total assets
€229k▲ 4.1%
2024 · €220k
2020: €89k
2021: €110k
2022: €107k
2023: €117k
2024: €220k
2020 → 2025
Net result
€49k▼ 37.2%
2024 · €79k
2020: €15k
2021: €21k
2022: €8k
2023: €23k
2024: €79k
2020 → 2025
Working capital
€129k▲ 91.5%
2024 · €68k
2020: €17k
2021: €39k
2022: €48k
2023: €61k
2024: €68k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€59k▲ 15.2%€82k▲ 38.1%€124k▲ 51.7%€173k▲ 39.8%
Operating result€32k-€13k▼ 58.9%€33k▲ 154%€109k▲ 228%€70k▼ 35.6%
Net result€21k-€8k▼ 63.5%€23k▲ 189%€79k▲ 248%€49k▼ 37.2%
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 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€66k▼ 25.4%
Current assets
€163k▲ 23.9%
Equity and liabilities €229k
Equity
€173k▲ 39.8%
Debt
€55k▼ 42.2%
The debt ratio falls from 43.6% to 24.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92k▼
2024 · €131k
Cash flow
€72k▼
2024 · €100k
Solvency
75.8%▲
2024 · 56.4%
Current ratio
4.88▲
2024 · 2.06
Quick ratio
4.88▲
2024 · 2.06
Debt / equity
0.32▼
2024 · 0.77
ROE
28.5%▼
2024 · 63.4%
ROA
21.6%▼
2024 · 35.8%
Interest coverage
62.01▼
2024 · 65.21
Debt
€55k▼
2024 · €96k
Debt ≤ 1 year
€33k▼
2024 · €64k
Debt > 1 year
€22k▼
2024 · €32k
Income taxes
€20k▼
2024 · €28k
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€220k€229k▲
Fixed assets21/28€88k€66k▼
Tangible fixed assets22/27€88k€66k▼
Furniture and vehicles24€80k€60k▼
Other tangible fixed assets26€8k€5k▼
Financial fixed assets28€150€150=
Current assets29/58€131k€163k▲
Amounts receivable within one year40/41€41k€32k▼
Trade receivables40€17k€18k▲
Other amounts receivable41€24k€14k▼
Current investments50/53€85k€120k▲
Cash at bank and in hand54/58€2k€8k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€220k€229k▲
Equity10/15€124k€173k▲
Contributions10/11€15k€15k=
Reserves13€109k€158k▲
Distributable reserves133€109k€158k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€96k€55k▼
Amounts payable after more than one year17€32k€22k▼
Financial debts170/4€32k€22k▼
Amounts payable within one year42/48€64k€33k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€14k€16k▲
Taxes450/3€14k€16k▲
Other amounts payable47/48€36k€0▼
Income statement
Code20242025
Non-recurring operating income76A€18k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€132k€94k▼
Operating profit (loss)9901€109k€70k▼
Financial income75/76B€242€385▲
Recurring financial income75€242€385▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€107k€69k▼
Income taxes67/77€28k€20k▼
Profit (loss) for the period9904€79k€49k▼
Profit (loss) for the period to be appropriated9905€79k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€49k▼
Transfer from equity791/2€36k€0▼
Transfer to equity691/2€79k€49k▼
To contributions691€79k€49k▼
To other reserves6921€0-
Profit to be distributed694/7€36k€0▼
Return on contributions (dividend)694€36k€0▼
The notes to these accounts (10 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 4.88
Current ratio from 2.06 to 4.88; short-term debt falls from €64k to €33k.
31-12
Financial
Equity above €150kEq €173k ▲39.8%
6 profitable years in a row build equity to €173k.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Highest result since 2020net €79k ▲248%
Operating result €109k, net result €79k, both a record.
31-12
Financial
Equity above €100kEq €124k ▲51.7%
5 profitable years in a row build equity to €124k.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Weakest financial yearnet €8k ▼63.5%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kapelle-op-den-Bos · 1 establishment unit since 2019
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.
Ipsvoordestraat 411880 Kapelle-op-den-BosGround area
1,794 m²
Building footprint
167 m²
Parcel 23056B0140/00A004, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
WiFinCo
since 20192.296.222.107
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23056B0140/00A004 | Flanders | 1,794 m² | 1 · 167 m² | 0.1 m |
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 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,653 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70100Activities of head offices
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.