WILSE & CO
ActiveWILSE & CO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €84k and a net result of €51k. Equity is growing by ~60.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 26048 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-2
Solvency42▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.24 against 1.0 in 2023; short-term debt: 49.8% and cash: 18.7% of total assets), and 83.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
16.7%
Return on assets
10.1%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-11-2025, 111 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
111 d late
2023
61 d late
2022
71 d late
2021
31 d late
2020
31 d late
2019
102 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€84k▲ 153%
2023 · €33k
2018: €-120k
2019: €-190k
2020: €-146k
2021: €-63k
2022: €-26k
2023: €33k
2018 → 2024
Total assets
€504k▼ 6.5%
2023 · €540k
2018: €408k
2019: €529k
2020: €555k
2021: €571k
2022: €534k
2023: €540k
2018 → 2024
Net result
€51k▼ 14.5%
2023 · €60k
2018: €-138k
2019: €-70k
2020: €44k
2021: €83k
2022: €37k
2023: €60k
2018 → 2024
Working capital
€60k
2023 · €-210
2018: €-156k
2019: €-271k
2020: €-208k
2021: €-107k
2022: €-61k
2023: €-210
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-146k-€-63k▲ 56.7%€-26k▲ 58.5%€33k€84k▲ 153%
Operating result€55k-€90k▲ 64.7%€45k▼ 49.8%€78k▲ 71.6%€82k▲ 5.9%
Net result€44k-€83k▲ 87.4%€37k▼ 55.3%€60k▲ 61.1%€51k▼ 14.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 6% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €504k
Fixed assets
€194k▼ 12.9%
Current assets
€311k▼ 2.1%
Equity and liabilities €504k
Equity
€84k▲ 153%
Debt
€420k▼ 17.0%
The debt ratio falls from 93.8% to 83.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€112k▲
2023 · €107k
Cash flow
€81k▼
2023 · €89k
Solvency
16.7%▲
2023 · 6.2%
Current ratio
1.24▲
2023 · 1.00
Quick ratio
0.38▲
2023 · 0.27
Debt / equity
4.99▼
2023 · 15.18
ROE
60.4%▼
2023 · 178.5%
ROA
10.1%▼
2023 · 11.0%
Interest coverage
9.24▼
2023 · 11.02
Debt
€420k▼
2023 · €506k
Debt ≤ 1 year
€251k▼
2023 · €318k
Debt > 1 year
€169k▼
2023 · €189k
Income taxes
€19k▲
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€540k€504k▼
Fixed assets21/28€222k€194k▼
Tangible fixed assets22/27€222k€194k▼
Land and buildings22€204k€180k▼
Plant, machinery and equipment23€14k€11k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€317k€311k▼
Stocks and contracts in progress3€230k€214k▼
Stocks30/36€230k€214k▼
Amounts receivable within one year40/41€22k€2k▼
Trade receivables40€22k€2k▼
Other amounts receivable41-€73
Cash at bank and in hand54/58€63k€94k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€540k€504k▼
Equity10/15€33k€84k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€15k€66k▲
Amounts payable17/49€506k€420k▼
Amounts payable after more than one year17€189k€169k▼
Financial debts170/4€189k€169k▼
Amounts payable within one year42/48€318k€251k▼
Current portion of amounts payable after more than one year42€21k€20k▼
Trade debts44€5k€28k▲
Suppliers440/4€5k€28k▲
Taxes, remuneration and social security45€11k€44k▲
Taxes450/3€11k€35k▲
Remuneration and social security454/9-€9k
Other amounts payable47/48€280k€159k▼
Income statement
Code20232024
Remuneration, social security and pensions62€74-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€30k▲
Other operating charges640/8€6k€9k▲
Gross operating margin9900€113k€121k▲
Operating profit (loss)9901€78k€82k▲
Financial income75/76B€174€2▼
Recurring financial income75€174€2▼
Financial charges65/66B€10k€12k▲
Recurring financial charges65€10k€12k▲
Profit (loss) for the period before taxes9903€68k€70k▲
Income taxes67/77€9k€19k▲
Profit (loss) for the period9904€60k€51k▼
Profit (loss) for the period to be appropriated9905€60k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€66k▲
Profit (loss) brought forward from the previous period14P€-45k€15k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 111 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €83k ▲87.4%
Operating result €90k, net result €83k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €44k
Net result €44k after 2 loss-making years.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 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, Antwerpen · 1 establishment unit since 2017
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.
Grotesteenweg 6352600 AntwerpenGround area
344 m²
Building footprint
140 m²
Volume, LiDAR
1,034 m³
Parcel 11303C0286/00H014, Flanders · tallest building 13.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HELDER RUIKER
since 20172.267.195.153
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0286/00H014 | Flanders | 344 m² | 1 · 140 m² | 13.5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.267.195.153
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Of 3,387 companies in sector 47761 we hold annual accounts for 1,156. 906 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-08-2017
Fiscal year end31-12
Trade name NL
HELDER RUIKER
Activities, NACEBEL
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.