Investments
Green is investment, beige is depreciation.
Green is investment, beige is depreciation.
The last five annual accounts were filed 19 to 131 days before the end of the period.
Lower net result than 90% of companies in computer programming and consultancy. Sector median €28,568 · 21,214 companies.
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 41% of them on solvency, 24% on liquidity, 11% on profitability and 24% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 3,591 companies had the same profile as wiotic has now. Each dot stands for 9 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of wiotic itself is lower: 0.1% within 12 months. It rests on far more data about wiotic than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,591 companies, not a prediction for wiotic. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 1.86 (3.12 in 2024), above the usual 1.5. Short-term debt is 52.9% and cash 20.8% of total assets. However, 52.9% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 56 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| wiotic Verviers | €79,943 | €67,870 | 47.1% | - |
| Nomada Antwerp | €83,133 | €69,389 | 25.1% | - |
| VDV Consulting Lummen | €80,528 | €71,903 | 24.2% | - |
| EVENT HORIZON CONSULTING Mechelen | €80,170 | €69,633 | 25.5% | - |
| Pieter Verberck Antwerp | €86,900 | €69,717 | 23.5% | - |
| Panache Consulting Tessenderlo-Ham | €86,123 | €69,830 | 76.9% | - |
| Rado Consulting Heist-op-den-Berg | €85,327 | €67,583 | 21.8% | - |
These companies have the same main activity as wiotic: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €80,200 and €86,900, founded between 2016 and 2017.
wiotic files the micro format. That format states no turnover. The gross margin fell from €116,609 in 2018 to €67,870 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €120,000 and €170,000.
Higher than 39% of 21,208 companies in 2025.
Higher than 40% of 20,571 companies in 2025.
Higher than 9% of 20,746 companies in 2025.
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff costs divided by the average number of full-time equivalents.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||
20/58 |
79,943 | 71,382 | 58,596 | 78,607 | 66,144 | 65,878 | 75,059 | 72,075 | |
21/28 |
1,332 | 184 | 374 | 626 | 5,109 | 13,313 | 22,211 | 29,234 | |
22/27 |
1,148 | - | 191 | 442 | 4,875 | 13,080 | 21,977 | 29,184 | |
23 |
1,148 | - | - | - | - | - | - | - | |
24 |
- | - | 191 | 442 | 4,875 | 13,080 | 21,977 | 29,184 | |
28 |
184 | 184 | 184 | 184 | 234 | 234 | 234 | 50 | |
29/58 |
78,611 | 71,198 | 58,222 | 77,981 | 61,035 | 52,565 | 52,848 | 42,841 | |
40/41 |
61,200 | 62,283 | 22,073 | 64,622 | 13,310 | 42,470 | 42,350 | 12,100 | |
40 |
61,200 | 62,283 | 21,780 | 64,622 | 13,310 | 42,470 | 42,350 | 12,100 | |
41 |
- | 1 | 293 | - | - | - | - | - | |
54/58 |
16,645 | 7,360 | 34,501 | 11,664 | 45,580 | 3,726 | 2,810 | 22,031 | |
490/1 |
766 | 1,555 | 1,648 | 1,695 | 2,145 | 6,369 | 7,688 | 8,709 | |
| Balance sheet: equity and liabilities | |||||||||
10/49 |
79,943 | 71,382 | 58,596 | 78,607 | 66,144 | 65,878 | 75,059 | 72,075 | |
10/15 |
37,642 | 48,533 | 39,108 | 39,101 | 20,947 | 18,480 | 18,501 | 19,304 | |
10/11 |
10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 8,600 | 8,600 | |
13 |
29,360 | 29,360 | 19,960 | 19,960 | 1,860 | 1,860 | 1,860 | 1,860 | |
130/1 |
- | - | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | |
1311 |
- | - | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
133 |
29,360 | 29,360 | 18,100 | 18,100 | - | - | - | - | |
14 |
-1,718 | 9,173 | 9,148 | 9,141 | 9,087 | 6,620 | 6,641 | 7,444 | |
17/49 |
42,301 | 22,849 | 19,489 | 39,506 | 45,196 | 47,398 | 56,558 | 52,771 | |
17 |
- | - | - | - | 4,154 | 12,964 | 17,337 | 26,019 | |
170/4 |
- | - | - | - | 4,154 | 12,964 | 17,337 | 26,019 | |
42/48 |
42,287 | 22,849 | 19,489 | 39,506 | 41,036 | 34,434 | 39,221 | 26,752 | |
42 |
- | - | - | 4,490 | 9,140 | 8,724 | 8,909 | 8,597 | |
44 |
7,602 | 2,549 | 4,113 | 4,721 | 5,848 | 3,979 | 3,358 | 4,035 | |
440/4 |
7,602 | 2,549 | 4,113 | 4,721 | 5,848 | 3,979 | 3,358 | 4,035 | |
45 |
29,988 | 15,731 | 10,931 | 25,971 | 16,129 | 12,082 | 16,780 | 8,914 | |
450/3 |
7,816 | 5,840 | 2,252 | 18,420 | 7,257 | 4,609 | 8,139 | 4,759 | |
454/9 |
22,172 | 9,890 | 8,679 | 7,551 | 8,872 | 7,473 | 8,642 | 4,156 | |
47/48 |
4,697 | 4,569 | 4,445 | 4,324 | 9,919 | 9,649 | 10,174 | 5,206 | |
492/3 |
15 | - | - | - | 7 | - | - | - | |
| Income statement | |||||||||
9900 |
67,870 | 72,681 | 65,360 | 115,911 | 107,658 | 87,801 | 110,712 | 116,609 | |
62 |
77,472 | 60,964 | 63,829 | 92,278 | 93,952 | 76,830 | 100,700 | 87,311 | |
630 |
174 | 191 | 251 | 2,061 | 8,958 | 8,897 | 8,875 | 14,703 | |
640/8 |
694 | 754 | 728 | 947 | 1,379 | 1,045 | 942 | 1,656 | |
9901 |
-10,470 | 10,773 | 552 | 20,624 | 3,369 | 1,029 | 196 | 12,939 | |
75/76B |
18 | 55 | - | 70 | 26 | - | 2 | - | |
75 |
18 | 55 | - | 70 | 26 | - | 2 | - | |
65/66B |
297 | 327 | 417 | 503 | 693 | 827 | 762 | 779 | |
65 |
297 | 327 | 417 | 503 | 693 | 827 | 762 | 779 | |
9903 |
-10,749 | 10,500 | 135 | 20,191 | 2,702 | 202 | -564 | 12,160 | |
67/77 |
142 | 1,075 | 129 | 2,036 | 235 | 224 | 239 | 2,856 | |
9904 |
-10,891 | 9,425 | 7 | 18,154 | 2,467 | -21 | -803 | 9,304 | |
9905 |
-10,891 | 9,425 | 7 | 18,154 | 2,467 | -21 | -803 | 9,304 | |
| Appropriation of the result | |||||||||
9906 |
-1,718 | 18,573 | 9,148 | 27,241 | 9,087 | 6,620 | 6,641 | 9,304 | |
14P |
9,173 | 9,148 | 9,141 | 9,087 | - | - | - | - | |
691/2 |
- | 9,400 | - | 18,100 | - | - | - | 1,860 | |
6920 |
- | - | - | - | - | - | - | 1,860 | |
6921 |
- | 9,400 | - | 18,100 | - | - | - | - | |
| Social balance sheet | |||||||||
9087 |
1.8 | 1.8 | 1.9 | 2.8 | 2.6 | 1.8 | 1.9 | 1.5 | |
Hours worked1013 |
1,816 | 2,032 | 2,376 | 2,872 | 3,412 | 2,752 | 4,472 | 3,730 | |
| Document | |||||||||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 02-02-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-09-2025 | micro format | 02-02-2026 | 2026-00030419 | |
| 30-09-2024 | micro format | 31-01-2025 | 2025-00027442 | |
| 30-09-2023 | micro format | 21-12-2023 | 2023-00538516 | |
| 30-09-2022 | micro format | 11-04-2023 | 2023-00057792 | |
| 30-09-2021 | micro format | 23-03-2022 | 2022-08300535 | |
| 30-09-2020 | micro format | 30-03-2021 | 2021-09100093 | |
| 30-09-2019 | micro format | 30-04-2020 | 2020-10700083 | |
| 30-09-2018 | micro format | 29-04-2019 | 2019-11100451 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| -10,296 | 10,963 | 803 | 22,685 | 12,327 | 9,926 | 9,071 | 27,642 | ||
| -10,717 | 9,616 | 258 | 20,216 | 11,425 | 8,876 | 8,072 | 24,007 | ||
| 1,322 | 0 | 0 | -2,422 | 754 | 0 | 1,852 | 41,757 | ||
| 9,285 | -27,141 | 22,837 | -33,916 | 41,854 | 916 | -19,221 | - | ||
| 36,325 | 48,349 | 38,733 | 38,476 | 19,999 | 18,130 | 13,627 | 16,089 | ||
| 47.1% | 68.0% | 66.7% | 49.7% | 31.7% | 28.1% | 24.6% | 26.8% | ||
| 1.86 | 3.12 | 2.99 | 1.97 | 1.49 | 1.53 | 1.35 | 1.60 | ||
| 1.12 | 0.47 | 0.50 | 1.01 | 2.16 | 2.56 | 3.06 | 2.73 | ||
| -28.9% | 19.4% | 0.0% | 46.4% | 11.8% | -0.1% | -4.3% | 48.2% | ||
| -13.6% | 13.2% | 0.0% | 23.1% | 3.7% | 0.0% | -1.1% | 12.9% | ||
| -34.64 | 33.49 | 1.93 | 45.09 | - | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 |
|---|---|---|---|---|
| Employees at the balance-sheet date | 2 | 2 | 2 | 2 |
| full-time | 1 | 1 | 1 | 1 |
| part-time | 1 | 1 | 1 | 1 |
| in full-time equivalents | 1.8 | 1.8 | 1.8 | 1.8 |
| 1.8 | 1.8 | 1.9 | 2.8 | |
| On a permanent contract | 2 | 2 | 2 | 2 |
| Joined | - | - | 1 | 0 |
| Left | - | - | 1 | 1 |
Source: social balance sheet in the 2022 to 2025 annual accounts
| Item | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 |
|---|---|---|---|---|
| Tangible fixed assets | €1,322 | - | - | - |
| €174 | €191 | €251 | €2,061 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a loss of €10,470, after a profit of €10,773 in 2024. It is the lowest result since 2018.
Debt's share of the balance-sheet total rises from 32.0% to 52.9%. Equity is lower and debt is higher.
wiotic has no parent and no holdings in its annual accounts. CRUTZEN Vincent is the only director. wiotic shares no director with another company.
| VVV-ENT.
establishment since 06-04-2001 · founded in 2001 |
total assets €323,778 (2025) 0474.425.614 |
| Crutzen, Coline (sole trader)
establishment since 14-07-2020 |
founded in 2020 0750.658.056 |
Deadline for the 2026 accounts: 30-04-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Rue du Parc 20 registered office 4800 Verviers | 03-04-2017 | 2.263.059.092 |
| Rue Zénobe Gramme 35 4821 Dison 46180 Agents specialised in the wholesale of other particular products | 01-07-2025 | 2.378.498.396 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 63002A0090/00C000 | 5,613 m² | 1 · 1,256 m² | 7.3 m · 2 |
| 63079D0415/00L024 | 1,202 m² | 1 · 169 m² | 15.1 m · 4 |
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