WILMA VL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €381k and a net result of €41k. Equity is growing by ~37.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 8018 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
5 d late
2022
on the day
2021
on the day
2020
4 d early
2019
4 d early
← 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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€381k▲ 12.1%
2024 · €340k
2019: €13k
2020: €80k
2021: €130k
2022: €167k
2023: €430k
2024: €340k
2019 → 2025
Net result
€41k
2024 · €-90k
2019: €22k
2020: €67k
2021: €51k
2022: €36k
2023: €264k
2024: €-90k
2019 → 2025
Total assets
€536k▼ 28.3%
2024 · €747k
2019: €299k
2020: €368k
2021: €721k
2022: €1.02M
2023: €1.07M
2024: €747k
2019 → 2025
Solvency
71.2%▲ 25.7pp
2024 · 45.5%
2019: 4.2%
2020: 21.7%
2021: 18.1%
2022: 16.3%
2023: 40.1%
2024: 45.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€167k▲ 27.8%€430k▲ 158%€340k▼ 20.9%€381k▲ 12.1%
Operating result€76k-€61k▼ 19.2%€278k▲ 355%€25k▼ 91.1%€58k▲ 133%
Net result€51k-€36k▼ 28.3%€264k▲ 628%€-90k€41k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 133% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €536k
Fixed assets
€52k▼ 80.8%
Current assets
€484k▲ 1.5%
Equity and liabilities €536k
Equity
€381k▲ 12.1%
Debt
€154k▼ 62.1%
The debt ratio falls from 54.5% to 28.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
71.2%▲
2024 · 45.5%
ROE
10.8%▲
2024 · -26.5%
ROA
7.7%▲
2024 · -12.1%
Debt
€154k▼
2024 · €407k
Debt ≤ 1 year
€147k▼
2024 · €241k
Debt > 1 year
€3k▼
2024 · €164k
Income taxes
€14k▼
2024 · €107k
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€747k€536k▼
Fixed assets21/28€271k€52k▼
Tangible fixed assets22/27€220k€1k▼
Land and buildings22€219k-
Plant, machinery and equipment23€622-
Furniture and vehicles24-€1k
Financial fixed assets28€51k€51k=
Current assets29/58€477k€484k▲
Amounts receivable after more than one year29€290k€290k=
Other amounts receivable291€290k€290k=
Amounts receivable within one year40/41€163k€161k▼
Trade receivables40€130k€134k▲
Other amounts receivable41€33k€27k▼
Cash at bank and in hand54/58€4k€4k▲
Deferred charges and accrued income490/1€20k€29k▲
Equity and liabilities
Total equity and liabilities10/49€747k€536k▼
Equity10/15€340k€381k▲
Contributions10/11€20k€20k=
Reserves13€320k€361k▲
Distributable reserves133€320k€361k▲
Amounts payable17/49€407k€154k▼
Amounts payable after more than one year17€164k€3k▼
Financial debts170/4€164k€3k▼
Amounts payable within one year42/48€241k€147k▼
Current portion of amounts payable after more than one year42€33k€10k▼
Trade debts44€22k€52k▲
Suppliers440/4€22k€52k▲
Advances received on contracts in progress46€41k€24k▼
Taxes, remuneration and social security45€115k€30k▼
Taxes450/3€112k€30k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€30k€30k▲
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€8k€34k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€701▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A-€33k
Gross operating margin9900€92k€97k▲
Operating profit (loss)9901€25k€58k▲
Financial income75/76B€9k€9k▲
Recurring financial income75€9k€9k▲
Financial charges65/66B€16k€11k▼
Recurring financial charges65€16k€11k▼
Profit (loss) for the period before taxes9903€17k€55k▲
Income taxes67/77€107k€14k▼
Profit (loss) for the period9904€-90k€41k▲
Profit (loss) for the period to be appropriated9905€-90k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-90k€41k▲
Transfer from equity791/2€90k-
Transfer to equity691/2-€41k
To other reserves6921-€41k
The notes to these accounts (11 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-90k ▼134%
Net result drops to €-90k, the lowest in the series; recovery starts the following year.
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
30-06
Financial
Highest result since 2019net €264k ▲628%
Operating result €278k, net result €264k, both a record.
30-06
Financial
Equity above €200kEq €430k ▲158%
5 profitable years in a row build equity to €430k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €150kEq €167k ▲27.8%
4 profitable years in a row build equity to €167k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €130k ▲63.3%
3 profitable years in a row build equity to €130k.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-01
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, Geel · 1 establishment unit since 2008
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.
Kanunnikenblok 332440 GeelGround area
810 m²
Building footprint
193 m²
Volume, LiDAR
1,082 m³
Parcel 13008H0176/00A000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WILMA VL
since 20082.171.036.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H0176/00A000 | Flanders | 810 m² | 1 · 193 m² | 7.2 m · 2 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.
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Frederic Huls
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ARCUM LAW
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-05-2008
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68121Development of residential building projects
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.