WILVER
ActiveSummary
WILVER has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €862,399 and a net result of -€109,590. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 60% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability23▼-17
Solvency67▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity short (current ratio 0.41 against 1.22 in 2024; short-term debt: 19.5% and cash: 2.5% of total assets), and 57.8% of the assets are financed with debt.
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Signals
Four 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 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
19202122232425
2019 to 2025 · latest year -€109,590
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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
4 d early
2023
1 d early
2022
1 d early
2021
3 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close26-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€862,399▼ 11.3%
2024 · €971,989
Total assets
€2.0m▼ 3.9%
2024 · €2.1m
Net result
-€109,590▼ 143%
2024 · -€45,185
Working capital
-€233,807
2024 · €75,422
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34,448▼ 33.0%€2,966▼ 91.4%-€24,693-€17,403▲ 29.5%-€66,311▼ 281%
Net result-€28,623▼ 53.7%€1.3m-€43,228-€45,185▼ 4.5%-€109,590▼ 143%
Equity€344,525▼ 7.7%€1.1m▲ 208%€1.0m▼ 4.1%€971,989▼ 4.4%€862,399▼ 11.3%
Total assets€2.9m▼ 4.1%€2.0m▼ 30.1%€2.2m▲ 10.5%€2.1m▼ 5.5%€2.0m▼ 3.9%
Debt€2.6m▼ 3.6%€638,740▼ 75.1%€895,654▲ 40.2%€818,297▼ 8.6%€853,184▲ 4.3%
Working capital-€1.0m▼ 8.3%€107,890€57,273▼ 46.9%€75,422▲ 31.7%-€233,807
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 €66,311 in 2025 against €17,403 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.0m
Fixed assets
€1.9m ▲ 10.2%
Current assets
€164,247 ▼ 60.9%
Equity and liabilities €2.0m
Equity
€862,399 ▼ 11.3%
Provisions
€328,097 ▼ 2.3%
Debt
€853,184 ▲ 4.3%
Debt's share of the balance-sheet total rises from 38.5% to 41.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€80,118▼
2024 · €83,328
Cash flow
€36,839▼
2024 · €55,546
Current ratio
0.41▼
2024 · 1.22
Debt to equity
0.99▲
2024 · 0.84
ROE
-12.7%▼
2024 · -4.6%
ROA
-5.4%▼
2024 · -2.1%
Interest coverage
1.37▼
2024 · 2.90
Debt ≤ 1 year
€398,055▲
2024 · €345,179
Debt > 1 year
€269,388▼
2024 · €311,767
Income taxes
€384▲
2024 · €367
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €5,000 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €170,197 | €109,879 | €112,163 | €100,731 | €146,429 | ▲ 45.4% |
| Other operating charges640/8 | - | €20,677 | €11,409 | €9,269 | €10,548 | ▲ 13.8% |
| Gross operating margin9900 | €221,630 | €133,522 | €98,879 | €92,597 | €90,666 | ▼ 2.1% |
| Operating profit (loss)9901 | €34,448 | €2,966 | -€24,693 | -€17,403 | -€66,311 | ▼ 281% |
| Financial income75/76B | - | €1.8m | €197 | €290 | €8,037 | ▲ 2,672% |
| Recurring financial income75 | €10 | €1.8m | €197 | €290 | €8,037 | ▲ 2,672% |
| Non-recurring financial income76B | - | €1.8m | - | - | - | - |
| Financial charges65/66B | - | €106,861 | €18,828 | €28,737 | €58,497 | ▲ 104% |
| Recurring financial charges65 | €62,838 | €106,861 | €18,828 | €28,737 | €58,497 | ▲ 104% |
| Profit (loss) for the period before taxes9903 | -€28,380 | €1.7m | -€43,324 | -€45,850 | -€116,770 | ▼ 155% |
| Transfer from deferred taxes780 | - | - | €455 | €1,032 | €7,564 | ▲ 633% |
| Transfer to deferred taxes680 | - | €337,148 | - | - | - | - |
| Income taxes67/77 | €243 | €253 | €359 | €367 | €384 | ▲ 4.7% |
| Profit (loss) for the period9904 | -€28,623 | €1.3m | -€43,228 | -€45,185 | -€109,590 | ▼ 143% |
| Transfer from tax-exempt reserves789 | - | - | €1,367 | €3,095 | €22,693 | ▲ 633% |
| Transfer to tax-exempt reserves689 | - | €1.0m | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€28,623 | €335,832 | -€41,861 | -€42,090 | -€86,897 | ▼ 106% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.9m | €2.0m | €2.2m | €2.1m | €2.0m | ▼ 3.9% |
| Fixed assets21/28 | €2.9m | €1.8m | €1.8m | €1.7m | €1.9m | ▲ 10.2% |
| Tangible fixed assets22/27 | €2.9m | €1.8m | €1.8m | €1.7m | €1.9m | ▲ 10.2% |
| Land and buildings22 | - | €1.8m | €1.7m | €1.7m | €1.9m | ▲ 11.1% |
| Plant, machinery and equipment23 | - | €6,389 | €8,495 | €6,365 | €3,934 | ▼ 38.2% |
| Furniture and vehicles24 | - | €19,921 | €32,090 | €25,728 | €16,901 | ▼ 34.3% |
| Current assets29/58 | €18,957 | €223,765 | €460,152 | €420,601 | €164,247 | ▼ 60.9% |
| Amounts receivable within one year40/41 | - | €47 | €920 | - | €108,593 | - |
| Trade receivables40 | - | €47 | €920 | - | - | - |
| Other amounts receivable41 | - | - | - | - | €108,593 | - |
| Current investments50/53 | - | - | €409,927 | €349,927 | - | - |
| Cash at bank and in hand54/58 | €15,114 | €221,022 | €44,776 | €66,441 | €50,403 | ▼ 24.1% |
| Deferred charges and accrued income490/1 | - | €2,696 | €4,529 | €4,233 | €5,252 | ▲ 24.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.9m | €2.0m | €2.2m | €2.1m | €2.0m | ▼ 3.9% |
| Equity10/15 | €344,525 | €1.1m | €1.0m | €971,989 | €862,399 | ▼ 11.3% |
| Contributions10/11 | - | €6,205 | €6,205 | €6,205 | €6,205 | = |
| Reserves13 | €1,864 | €1.0m | €1.0m | €1.0m | €986,155 | ▼ 2.2% |
| Tax-exempt reserves132 | - | €1.0m | €1.0m | €1.0m | €984,290 | ▼ 2.3% |
| Distributable reserves133 | - | €1,864 | €1,864 | €1,864 | €1,864 | = |
| Profit (loss) carried forward14 | -€294,944 | €40,888 | -€973 | -€43,063 | -€129,960 | ▼ 202% |
| Provisions and deferred taxes16 | - | €337,148 | €336,693 | €335,661 | €328,097 | ▼ 2.3% |
| Deferred taxes168 | - | €337,148 | €336,693 | €335,661 | €328,097 | ▼ 2.3% |
| Amounts payable17/49 | €2.6m | €638,740 | €895,654 | €818,297 | €853,184 | ▲ 4.3% |
| Amounts payable after more than one year17 | €1.4m | €394,923 | €353,479 | €311,767 | €269,388 | ▼ 13.6% |
| Financial debts170/4 | - | €394,923 | €353,479 | €311,767 | €269,388 | ▼ 13.6% |
| Amounts payable within one year42/48 | €1.1m | €115,875 | €402,879 | €345,179 | €398,055 | ▲ 15.3% |
| Current portion of amounts payable after more than one year42 | - | €45,033 | €41,443 | €41,712 | €42,379 | ▲ 1.6% |
| Trade debts44 | €32,970 | €8,654 | €8,290 | €6,710 | €2,144 | ▼ 68.0% |
| Suppliers440/4 | - | €8,654 | €8,290 | €6,710 | €2,144 | ▼ 68.0% |
| Taxes, remuneration and social security45 | - | €253 | €375 | €300 | - | - |
| Taxes450/3 | - | €253 | €375 | €300 | - | - |
| Other amounts payable47/48 | - | €61,935 | €352,771 | €296,457 | €353,531 | ▲ 19.3% |
| Accrued charges and deferred income492/3 | - | €127,942 | €139,296 | €161,351 | €185,741 | ▲ 15.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€28,623 | €1.3m | -€43,228 | -€45,185 | -€109,590 | ▼ 143% |
| + Depreciation and write-downs630 | €170,197 | €109,879 | €112,163 | €100,731 | €146,429 | ▲ 45.4% |
| Operating cash flow (approximation) | €141,574 | €1.5m | €68,935 | €55,546 | €36,839 | ▼ 33.7% |
| Investment in fixed assets (approximation) | - | €971,981 | -€89,007 | -€16,708 | -€320,515 | ▼ 1,818% |
| Change in cash | - | €205,908 | -€176,246 | €21,665 | -€16,038 | ▼ 174% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet -€109,590
Net result drops to -€109,590, the lowest in the series.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
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
Back to profitnet €1.3m
Net result €1.3m after 3 loss-making years.
30-06
Financial
Liquidity times 108current ratio 1.93
Current ratio from 0.02 to 1.93; short-term debt falls from €1.1m to €115,875.
30-06
Financial
Equity above €1mEq €1.1m ▲208%
Equity rises from €344,525 to €1.1m.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Oostkamp · 1 establishment unit since 1998
Ground area
1,014 m²
Building footprint
152 m²
Volume, LiDAR
689 m³
Parcel 31022I0285/00S000, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Hendrik Consciencestraat 12, 8020 Oostkamp
since 19982.087.473.850
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0285/00S000 | Flanders | 1,014 m² | 1 · 152 m² | 9.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
Legal Entity Identifier
9845005A65084145D393
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Of 9,143 companies in sector 68201 we hold annual accounts for 6,769. 4,911 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-06-1998
Fiscal year end30-06
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
86940Nursing and midwifery
Scores and ratios are computed by Checked and are not a credit decision.