WIM.TERIOR
ActiveWIM.TERIOR has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125k and a net result of €11k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 66% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+16
Solvency95▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 1.58 in 2024; short-term debt: 30.3% and cash: 16.3% of total assets), and 30.3% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69.7%
Return on assets
5.9%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
11 d late
2024
20 d late
2023
1 d early
2022
5 d early
2021
18 d early
2020
13 d early
2019
9 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, micro schema
Equity
€125k▲ 9.3%
2024 · €115k
2018: €105k
2019: €107k
2020: €122k
2021: €80k
2022: €96k
2023: €127k
2024: €115k
2018 → 2025
Total assets
€180k▲ 2.1%
2024 · €176k
2018: €143k
2019: €137k
2020: €186k
2021: €150k
2022: €169k
2023: €187k
2024: €176k
2018 → 2025
Net result
€11k
2024 · €-12k
2018: €6k
2019: €2k
2020: €15k
2021: €11k
2022: €16k
2023: €55k
2024: €-12k
2018 → 2025
Working capital
€67k▲ 88.9%
2024 · €36k
2018: €96k
2019: €102k
2020: €104k
2021: €58k
2022: €78k
2023: €28k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€96k▲ 19.9%€127k▲ 31.5%€115k▼ 9.6%€125k▲ 9.3%
Operating result€15k-€23k▲ 55.1%€74k▲ 220%€-12k€12k
Net result€11k-€16k▲ 45.6%€55k▲ 242%€-12k€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €12k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€58k▼ 26.7%
Current assets
€122k▲ 25.6%
Equity and liabilities €180k
Equity
€125k▲ 9.3%
Debt
€54k▼ 11.3%
The debt ratio falls from 34.9% to 30.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2024 · €17k
Cash flow
€34k▲
2024 · €17k
Solvency
69.7%▲
2024 · 65.1%
Current ratio
2.24▲
2024 · 1.58
Quick ratio
2.24▲
2024 · 1.58
Debt / equity
0.43▼
2024 · 0.53
ROE
8.5%▲
2024 · -10.6%
ROA
5.9%▲
2024 · -6.9%
Interest coverage
173.04▼
2024 · 247.46
Debt
€54k▼
2024 · €61k
Debt ≤ 1 year
€54k▼
2024 · €61k
Income taxes
€1k▲
2024 · €81
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€176k€180k▲
Fixed assets21/28€79k€58k▼
Tangible fixed assets22/27€79k€58k▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€68k€51k▼
Current assets29/58€97k€122k▲
Amounts receivable within one year40/41€21k€11k▼
Trade receivables40€15k-
Other amounts receivable41€6k€11k▲
Current investments50/53€60k€80k▲
Cash at bank and in hand54/58€14k€29k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€176k€180k▲
Equity10/15€115k€125k▲
Contributions10/11€6k€6k=
Reserves13€108k€119k▲
Distributable reserves133€108k€119k▲
Amounts payable17/49€61k€54k▼
Amounts payable within one year42/48€61k€54k▼
Trade debts44€4k€548▼
Suppliers440/4€4k€548▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€52k€50k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€23k▼
Other operating charges640/8€910€1k▲
Gross operating margin9900€18k€36k▲
Operating profit (loss)9901€-12k€12k▲
Financial income75/76B€303€551▲
Recurring financial income75€303€551▲
Financial charges65/66B€69€204▲
Recurring financial charges65€69€204▲
Profit (loss) for the period before taxes9903€-12k€12k▲
Income taxes67/77€81€1k▲
Profit (loss) for the period9904€-12k€11k▲
Profit (loss) for the period to be appropriated9905€-12k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€11k▲
Transfer from equity791/2€12k-
Transfer to equity691/2-€11k
To other reserves6921-€11k
The notes to these accounts (5 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Weakest financial yearnet €-12k ▼122%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €55k ▲242%
Operating result €74k, net result €55k, both a record.
31-12
Financial
Equity above €100kEq €127k ▲31.5%
6 profitable years in a row build equity to €127k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Kuurne · 1 establishment unit since 2011
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.
Kongostraat 948520 KuurneGround area
477 m²
Building footprint
142 m²
Volume, LiDAR
804 m³
Parcel 34023B0923/00G004, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Wim.Terior Bvba
since 20112.197.523.122
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023B0923/00G004 | Flanders | 477 m² | 1 · 142 m² | 11.3 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.
Similar companies · same sector, comparable size
Verhelst Interieur
BE 0663.743.581
Izegem · Eq €126k
NINE-D
BE 0469.266.697
Kalmthout · Eq €126k
Interior Home Consult
BE 0727.586.706
Gent · Eq €124k
Lemoga
BE 1009.931.435
Heuvelland · Eq €124k
STEPHANIE PAREIN INTERIEURARCHITECTE
BE 0860.784.433
Elsene · Eq €126k
Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2011
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.
Contact details
2 entriesE-mail:wim@terior.be
Phone:056/ 32 30 18