WILBOY
ActiveWILBOY has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €147k and a net result of €-6k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 77% of 7760 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▲+43
Solvency93▼-2
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.45 against 4.33 in 2024; short-term debt: 26.1% and cash: 34.7% of total assets), and 31.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-6k
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
23 d early
2023
28 d early
2022
14 d early
2021
39 d early
2020
24 d early
2019
28 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€147k▼ 3.9%
2024 · €153k
2018: €161k
2019: €171k
2020: €176k
2021: €185k
2022: €187k
2023: €192k
2024: €153k
2018 → 2025
Total assets
€216k▼ 1.4%
2024 · €219k
2018: €218k
2019: €225k
2020: €206k
2021: €224k
2022: €233k
2023: €267k
2024: €219k
2018 → 2025
Net result
€-6k▲ 84.4%
2024 · €-38k
2018: €-27k
2019: €11k
2020: €5k
2021: €9k
2022: €2k
2023: €5k
2024: €-38k
2018 → 2025
Working capital
€138k▼ 4.2%
2024 · €144k
2018: €160k
2019: €169k
2020: €174k
2021: €182k
2022: €180k
2023: €182k
2024: €144k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€187k▲ 0.9%€192k▲ 2.7%€153k▼ 19.9%€147k▼ 3.9%
Operating result€11k-€1k▼ 87.5%€6k▲ 308%€-38k€-6k▲ 82.9%
Net result€9k-€2k▼ 79.7%€5k▲ 188%€-38k€-6k▲ 84.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €38k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €216k
Fixed assets
€21k▼ 32.2%
Current assets
€195k▲ 3.7%
Equity and liabilities €216k
Equity
€147k▼ 3.9%
Debt
€68k▲ 4.3%
The debt ratio rises from 29.9% to 31.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▲
2024 · €-28k
Cash flow
€4k▲
2024 · €-28k
Solvency
68.4%▼
2024 · 70.1%
Current ratio
3.45▼
2024 · 4.33
Quick ratio
3.13▼
2024 · 3.70
Debt / equity
0.46▲
2024 · 0.43
ROE
-4.0%▲
2024 · -24.8%
ROA
-2.8%▲
2024 · -17.4%
Interest coverage
3.27▲
2024 · -17.18
Debt
€68k▲
2024 · €65k
Debt ≤ 1 year
€56k▲
2024 · €43k
Debt > 1 year
€12k▼
2024 · €22k
Staff costs
€161k▲
2024 · €141k
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€219k€216k▼
Fixed assets21/28€31k€21k▼
Tangible fixed assets22/27€31k€21k▼
Plant, machinery and equipment23€989€673▼
Furniture and vehicles24€30k€20k▼
Current assets29/58€188k€195k▲
Stocks and contracts in progress3€27k€18k▼
Stocks30/36€2k€6k▲
Contracts in progress37€26k€12k▼
Amounts receivable within one year40/41€71k€96k▲
Trade receivables40€40k€65k▲
Other amounts receivable41€31k€30k▼
Cash at bank and in hand54/58€87k€75k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€219k€216k▼
Equity10/15€153k€147k▼
Contributions10/11€19k€19k=
Reserves13€135k€129k▼
Distributable reserves133€135k€129k▼
Amounts payable17/49€65k€68k▲
Amounts payable after more than one year17€22k€12k▼
Financial debts170/4€22k€12k▼
Amounts payable within one year42/48€43k€56k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€5k€23k▲
Suppliers440/4€5k€23k▲
Taxes, remuneration and social security45€29k€23k▼
Taxes450/3€5k€5k▲
Remuneration and social security454/9€24k€18k▼
Accrued charges and deferred income492/3€364€0▼
Income statement
Code20242025
Non-recurring operating income76A€4k€0▼
Remuneration, social security and pensions62€141k€161k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€811€833▲
Gross operating margin9900€114k€165k▲
Operating profit (loss)9901€-38k€-6k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-38k€-6k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-38k€-6k▲
Profit (loss) for the period to be appropriated9905€-38k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-6k▲
Transfer from equity791/2€38k€6k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)90875.05.0=
The notes to these accounts (17 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-38k ▼865%
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Lummen · 1 establishment unit since 1998
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.
Spreeuwenstraat 43560 LummenGround area
529 m²
Building footprint
155 m²
Parcel 71037A0673/00R000, Flanders. Linked by address, not a title deed.
1 establishment unit
Spreeuwenstraat 4, 3560 Lummen
since 19982.085.852.762
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037A0673/00R000 | Flanders | 529 m² | 1 · 155 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 162 EUR awarded · 162 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 162 EUR | 162 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
5 categoriesWILBOY BV26392
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FDCE CONSTRUCT
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KVE Construct
BE 0536.572.029
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B.K.W.
BE 0882.894.196
Merchtem · Eq €147k
Cleaning Service Kerkhofs
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Oudsbergen · Eq €148k
Of 7,294 companies in sector 43350 we hold annual accounts for 2,361. 1,904 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-1998
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
45250
43310Plastering work
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.