WILDCARD
ActiveWILDCARD has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €-6k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-5
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.04 against 6.1 in 2024; short-term debt: 1.9% and cash: 2.7% of total assets), and 1.9% 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
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 →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.1%
Return on assets
-8.4%
Age of the figures
15 mo
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
202122232425
2020 to 2025 · latest year €-6k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-02-2026, 10 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
10 d late
2024
11 d early
2023
1 d early
2022
1 d early
2021
3 d early
2020
331 d late
2018
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▼ 7.9%
2024 · €74k
2020: €280
2021: €16k
2022: €68k
2023: €77k
2024: €74k
2020 → 2025
Total assets
€69k▼ 7.5%
2024 · €75k
2020: €107k
2021: €140k
2022: €102k
2023: €103k
2024: €75k
2020 → 2025
Net result
€-6k▼ 77.8%
2024 · €-3k
2020: €-18k
2021: €16k
2022: €52k
2023: €9k
2024: €-3k
2020 → 2025
Working capital
€4k▼ 29.3%
2024 · €6k
2020: €2k
2021: €16k
2022: €56k
2023: €-13k
2024: €6k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€68k▲ 325%€77k▲ 12.8%€74k▼ 4.3%€68k▼ 7.9%
Operating result€26k-€56k▲ 119%€18k▼ 68.0%€-8k€-6k▲ 23.9%
Net result€16k-€52k▲ 230%€9k▼ 83.3%€-3k€-6k▼ 77.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €8k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€64k▼ 6.2%
Current assets
€5k▼ 21.4%
Equity and liabilities €69k
Equity
€68k▼ 7.9%
Debt
€1k▲ 18.5%
The debt ratio rises from 1.5% to 1.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-3k▲
2024 · €-5k
Cash flow
€-3k▼
2024 · €-81
Solvency
98.1%▼
2024 · 98.5%
Current ratio
4.04▼
2024 · 6.10
Quick ratio
4.04▼
2024 · 6.10
Debt / equity
0.02▲
2024 · 0.01
ROE
-8.6%▼
2024 · -4.4%
ROA
-8.4%▼
2024 · -4.4%
Interest coverage
-38.84▲
2024 · -51.54
Debt
€1k▲
2024 · €1k
Debt ≤ 1 year
€1k▲
2024 · €1k
Income taxes
€744▲
2024 · €-4k
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€75k€69k▼
Fixed assets21/28€68k€64k▼
Tangible fixed assets22/27€6k€3k▼
Furniture and vehicles24€6k€3k▼
Financial fixed assets28€63k€62k▼
Current assets29/58€7k€5k▼
Amounts receivable within one year40/41€5k€2k▼
Trade receivables40€4k€1k▼
Other amounts receivable41€858€623▼
Cash at bank and in hand54/58€212€2k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€75k€69k▼
Equity10/15€74k€68k▼
Contributions10/11€19k€19k=
Reserves13€55k€49k▼
Tax-exempt reserves132€8k€8k=
Distributable reserves133€48k€42k▼
Amounts payable17/49€1k€1k▲
Amounts payable within one year42/48€1k€1k▲
Trade debts44€422€430▲
Suppliers440/4€422€430▲
Taxes, remuneration and social security45€300€750▲
Taxes450/3€300€750▲
Other amounts payable47/48€374€118▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€1k€819▼
Gross operating margin9900€-4k€-2k▲
Operating profit (loss)9901€-8k€-6k▲
Financial income75/76B€930€923▼
Recurring financial income75€930€923▼
Financial charges65/66B€89€71▼
Recurring financial charges65€89€71▼
Profit (loss) for the period before taxes9903€-7k€-5k▲
Income taxes67/77€-4k€744▲
Profit (loss) for the period9904€-3k€-6k▼
Profit (loss) for the period to be appropriated9905€-3k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-6k▼
Transfer from equity791/2€3k€6k▲
The notes to these accounts (8 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
10-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity times 13current ratio 6.10
Current ratio from 0.46 to 6.10; short-term debt falls from €25k to €1k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2020net €52k ▲230%
Operating result €56k, net result €52k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 2.65
Current ratio from 1.13 to 2.65; short-term debt falls from €124k to €34k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 331 days late
30-06
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 1054 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brugge · 1 establishment unit since 2003
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.
Ter Doeststraat 188380 BruggeGround area
2,925 m²
Building footprint
1,599 m²
Volume, LiDAR
9,067 m³
2 parcels, Flanders · tallest building 18.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Wildcard BVBA
since 20032.135.172.116
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44807G0728/02L013 | Flanders | 1,619 m² | 1 · 1,590 m² | 18.6 m · 1 fl. |
| 31016C0009/00T002 | Flanders | 1,306 m² | 1 · 9 m² | 5.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,545 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-01-2003
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:jpl@wildcard.be
Phone:0497/23.64.60