WISA
ActiveWISA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.95M and a net result of €355k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 54% of 2669 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+16
Solvency96=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €200k at 30 days acceptable
Liquidity ample (current ratio 4.49 against 5.84 in 2024), and 49% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
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
51%
Return on assets
9.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
3 d early
2023
61 d late
2022
30 d late
2021
30 d late
2020
31 d late
2019
on the day
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.95M▲ 1.6%
2024 · €1.92M
2018: €420k
2019: €588k
2020: €857k
2021: €1.26M
2022: €1.53M
2023: €1.80M
2024: €1.92M
2018 → 2025
Total assets
€3.83M▲ 6.5%
2024 · €3.60M
2018: €1.26M
2019: €1.39M
2020: €2.11M
2021: €2.96M
2022: €3.13M
2023: €3.35M
2024: €3.60M
2018 → 2025
Net result
€355k▲ 23.6%
2024 · €287k
2018: €144k
2019: €168k
2020: €324k
2021: €460k
2022: €344k
2023: €412k
2024: €287k
2018 → 2025
Working capital
€2.04M▲ 7.1%
2024 · €1.90M
2018: €996k
2019: €1.18M
2020: €1.32M
2021: €1.65M
2022: €1.47M
2023: €1.57M
2024: €1.90M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.26M-€1.53M▲ 22.0%€1.80M▲ 17.5%€1.92M▲ 6.7%€1.95M▲ 1.6%
Operating result€620k-€511k▼ 17.5%€615k▲ 20.2%€387k▼ 37.0%€513k▲ 32.4%
Net result€460k-€344k▼ 25.4%€412k▲ 19.9%€287k▼ 30.3%€355k▲ 23.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.83M
Fixed assets
€1.21M▼ 7.0%
Current assets
€2.62M▲ 14.2%
Equity and liabilities €3.83M
Equity
€1.95M▲ 1.6%
Debt
€1.88M▲ 12.2%
The debt ratio rises from 46.5% to 49.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€710k▲
2024 · €598k
Cash flow
€552k▲
2024 · €498k
Solvency
51.0%▼
2024 · 53.5%
Current ratio
4.49▼
2024 · 5.84
Quick ratio
4.49▼
2024 · 5.84
Debt / equity
0.96▲
2024 · 0.87
ROE
18.2%▲
2024 · 14.9%
ROA
9.3%▲
2024 · 8.0%
Interest coverage
270.82▼
2024 · 661.50
Debt
€1.88M▲
2024 · €1.67M
Debt ≤ 1 year
€585k▲
2024 · €394k
Income taxes
€183k▲
2024 · €145k
Staff costs
€1.55M▲
2024 · €1.45M
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€3.60M€3.83M▲
Fixed assets21/28€1.30M€1.21M▼
Intangible fixed assets21€1.26M€1.19M▼
Tangible fixed assets22/27€29k€15k▼
Furniture and vehicles24€29k€15k▼
Financial fixed assets28€8k€8k=
Current assets29/58€2.30M€2.62M▲
Amounts receivable after more than one year29€31k€0▼
Other amounts receivable291€31k€0▼
Amounts receivable within one year40/41€1.40M€1.56M▲
Trade receivables40€190k€214k▲
Other amounts receivable41€1.21M€1.35M▲
Current investments50/53€121k€402k▲
Cash at bank and in hand54/58€707k€597k▼
Deferred charges and accrued income490/1€41k€61k▲
Equity and liabilities
Total equity and liabilities10/49€3.60M€3.83M▲
Equity10/15€1.92M€1.95M▲
Contributions10/11€37k€37k=
Reserves13€1.88M€1.91M▲
Distributable reserves133€1.88M€1.91M▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€1.67M€1.88M▲
Amounts payable within one year42/48€394k€585k▲
Trade debts44€22k€48k▲
Suppliers440/4€22k€48k▲
Taxes, remuneration and social security45€181k€212k▲
Taxes450/3€19k€32k▲
Remuneration and social security454/9€162k€180k▲
Other amounts payable47/48€191k€324k▲
Accrued charges and deferred income492/3€1.28M€1.29M▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.45M€1.55M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€211k€198k▼
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€2.05M€2.27M▲
Operating profit (loss)9901€387k€513k▲
Financial income75/76B€46k€27k▼
Recurring financial income75€46k€27k▼
Financial charges65/66B€904€3k▲
Recurring financial charges65€904€3k▲
Profit (loss) for the period before taxes9903€432k€538k▲
Income taxes67/77€145k€183k▲
Profit (loss) for the period9904€287k€355k▲
Profit (loss) for the period to be appropriated9905€287k€355k▲
Appropriation of the result
Profit (loss) to be appropriated9906€293k€361k▲
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer from equity791/2€168k€324k▲
Transfer to equity691/2€287k€355k▲
To other reserves6921€287k€355k▲
Profit to be distributed694/7€168k€324k▲
Return on contributions (dividend)694€168k€324k▲
Social balance
Average headcount (FTE)908719.820.1▲
The notes to these accounts (16 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €460k ▲42.1%
Operating result €620k, net result €460k, both a record.
31-12
Financial
Equity above €1MEq €1.26M ▲46.8%
4 profitable years in a row build equity to €1.26M.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €588k ▲40.1%
2 profitable years in a row build equity to €588k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
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
4 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, Leuven · 1 establishment unit since 1998
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.
Abdij Vlierbeek 33010 LeuvenGround area
864 m²
Building footprint
526 m²
Volume, LiDAR
6,671 m³
Parcel 24051C0146/00A002, Flanders · tallest building 18.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
WISA
since 19982.086.967.965
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051C0146/00A002 | Flanders | 864 m² | 1 · 526 m² | 18.0 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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VERLINFO
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EASI
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MatchID
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Of 16,807 companies in sector 62100 we hold annual accounts for 8,747. 2,712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-1998
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.