WISE CONSULT
ActiveSummary
WISE CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€126,353) and a net result of -€259,911. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 1501 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1501 sector peers (2025).
NBB · sector comparisonPosition among 1501 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
37 d early
2022
48 d early
2021
34 d early
2020
92 d early
2019
100 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 45 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 June (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
-€126,353
2024 · €13,558
Net result
-€259,911▼ 236%
2024 · -€77,240
Total assets
€1.1m▼ 20.3%
2024 · €1.4m
Solvency
-11.2%▼ 12.2pp
2024 · 1.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€104,342▲ 295%€37,165▼ 64.4%€50,381▲ 35.6%-€28,074-€69,250▼ 147%
Net result€24,768within the sector's middle half▲ 3,850%€7,108below the sector's middle half▼ 71.3%€11,344below the sector's middle half▲ 59.6%-€77,240below the sector's middle half-€259,911below the sector's middle half▼ 236%
Equity€72,345below the sector's middle half▲ 52.1%€79,454below the sector's middle half▲ 9.8%€90,798below the sector's middle half▲ 14.3%€13,558below the sector's middle half▼ 85.1%-€126,353below the sector's middle half
Total assets€864,010within the sector's middle half▼ 12.3%€778,875within the sector's middle half▼ 9.9%€1.5mwithin the sector's middle half▲ 95.9%€1.4mwithin the sector's middle half▼ 7.2%€1.1mwithin the sector's middle half▼ 20.3%
Debt€791,664▼ 15.6%€699,421▼ 11.7%€1.4m▲ 105%€1.4m▼ 2.2%€1.3m▼ 10.6%
Working capital-€123,132below the sector's middle half▲ 13.1%-€117,581below the sector's middle half▲ 4.5%-€233,327below the sector's middle half▼ 98.4%-€292,256below the sector's middle half▼ 25.3%-€51,949below the sector's middle half▲ 82.2%
Solvency8.4%below the sector's middle half▲ 3.5pp10.2%below the sector's middle half▲ 1.8pp6.0%below the sector's middle half▼ 4.2pp1.0%below the sector's middle half▼ 5.0pp-11.2%below the sector's middle half▼ 12.2pp
Current ratio0.44below the sector's middle half▼ 0.060.49below the sector's middle half▲ 0.050.46below the sector's middle half▼ 0.030.44below the sector's middle half▼ 0.020.83below the sector's middle half▲ 0.39
Return on assets (ROA)2.9%within the sector's middle half▲ 2.8pp0.9%below the sector's middle half▼ 2.0pp0.7%below the sector's middle half▼ 0.2pp-5.5%below the sector's middle half▼ 6.2pp-23.0%below the sector's middle half▼ 17.6pp
Staff (FTE)2.5within the sector's middle half▼ 3.8%2.5within the sector's middle half=2.9within the sector's middle half▲ 16.0%5.5within the sector's middle half▲ 89.7%5.5within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €69,250 in 2025 against €28,074 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 €1.1m
Fixed assets
€882,137 ▼ 25.8%
Current assets
€245,899 ▲ 7.8%
Key figures and ratios
Debt ≤ 1 year
€297,848▼
2024 · €520,298
Debt > 1 year
€956,466▲
2024 · €863,170
Income taxes
€1,414▲
2024 · €976
Staff costs
€310,855▲
2024 · €285,476
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 | - | - | - | - | €63,545 | - |
| Remuneration, social security and pensions62 | €106,201 | €96,921 | €127,978 | €285,476 | €310,855 | ▲ 8.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €109,600 | €113,555 | €120,640 | €178,465 | €187,138 | ▲ 4.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €1,200 | €1,050 | - | - | - | - |
| Other operating charges640/8 | €6,238 | €2,522 | €4,048 | €2,271 | €2,849 | ▲ 25.4% |
| Gross operating margin9900 | €327,581 | €251,213 | €303,047 | €438,138 | €431,592 | ▼ 1.5% |
| Operating profit (loss)9901 | €104,342 | €37,165 | €50,381 | -€28,074 | -€69,250 | ▼ 147% |
| Financial income75/76B | €10,359 | €0 | €0 | €459 | €0 | ▼ 100% |
| Recurring financial income75 | €10,359 | €0 | €0 | €459 | €0 | ▼ 100% |
| Financial charges65/66B | €74,011 | €23,094 | €31,713 | €48,650 | €189,247 | ▲ 289% |
| Recurring financial charges65 | €34,320 | €9,022 | €13,044 | €48,650 | €46,567 | ▼ 4.3% |
| Non-recurring financial charges66B | €39,690 | €14,072 | €18,669 | - | €142,680 | - |
| Profit (loss) for the period before taxes9903 | €40,690 | €14,072 | €18,669 | -€76,264 | -€258,497 | ▼ 239% |
| Income taxes67/77 | €15,922 | €6,963 | €7,324 | €976 | €1,414 | ▲ 45.0% |
| Profit (loss) for the period9904 | €24,768 | €7,108 | €11,344 | -€77,240 | -€259,911 | ▼ 236% |
| Profit (loss) for the period to be appropriated9905 | €24,768 | €7,108 | €11,344 | -€77,240 | -€259,911 | ▼ 236% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €864,010 | €778,875 | €1.5m | €1.4m | €1.1m | ▼ 20.3% |
| Fixed assets21/28 | €768,408 | €666,853 | €1.3m | €1.2m | €882,137 | ▼ 25.8% |
| Intangible fixed assets21 | €530,730 | €456,081 | €929,101 | €795,211 | €875,706 | ▲ 10.1% |
| Tangible fixed assets22/27 | €75,278 | €48,372 | €22,389 | €14,064 | €6,431 | ▼ 54.3% |
| Land and buildings22 | €56,302 | €37,147 | €18,916 | €12,861 | €6,431 | ▼ 50.0% |
| Plant, machinery and equipment23 | €8,013 | €5,743 | €3,473 | €1,203 | €0 | ▼ 100% |
| Furniture and vehicles24 | €10,964 | €5,482 | - | - | - | - |
| Financial fixed assets28 | €162,400 | €162,400 | €378,855 | €378,855 | €0 | ▼ 100% |
| Current assets29/58 | €95,602 | €112,022 | €195,114 | €228,043 | €245,899 | ▲ 7.8% |
| Amounts receivable within one year40/41 | €80,676 | €104,398 | €191,940 | €217,243 | €193,457 | ▼ 10.9% |
| Trade receivables40 | €4,736 | €5,330 | €5,330 | €5,330 | €47,240 | ▲ 786% |
| Other amounts receivable41 | €75,941 | €99,068 | €186,610 | €211,912 | €146,218 | ▼ 31.0% |
| Current investments50/53 | €183 | €183 | €183 | - | - | - |
| Cash at bank and in hand54/58 | €5,156 | €2,221 | €483 | €450 | €46,449 | ▲ 10,220% |
| Deferred charges and accrued income490/1 | €9,586 | €5,219 | €2,508 | €10,350 | €5,992 | ▼ 42.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €864,010 | €778,875 | €1.5m | €1.4m | €1.1m | ▼ 20.3% |
| Equity10/15 | €72,345 | €79,454 | €90,798 | €13,558 | -€126,353 | ▼ 1,032% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €138,600 | ▲ 645% |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €51,885 | €58,994 | €70,338 | -€6,902 | -€266,813 | ▼ 3,766% |
| Amounts payable17/49 | €791,664 | €699,421 | €1.4m | €1.4m | €1.3m | ▼ 10.6% |
| Amounts payable after more than one year17 | €485,181 | €405,468 | €964,770 | €863,170 | €956,466 | ▲ 10.8% |
| Financial debts170/4 | €485,181 | €405,468 | €964,770 | €863,170 | €956,466 | ▲ 10.8% |
| Amounts payable within one year42/48 | €218,734 | €229,603 | €428,441 | €520,298 | €297,848 | ▼ 42.8% |
| Current portion of amounts payable after more than one year42 | €78,405 | €79,713 | €136,226 | €151,261 | €146,704 | ▼ 3.0% |
| Financial debts43 | - | - | €53,534 | €38,942 | €15,607 | ▼ 59.9% |
| Credit institutions430/8 | - | - | €53,534 | €38,942 | €15,607 | ▼ 59.9% |
| Trade debts44 | €26,907 | €70,926 | €157,560 | €185,355 | €63,704 | ▼ 65.6% |
| Suppliers440/4 | €26,907 | €70,926 | €157,560 | €185,355 | €63,704 | ▼ 65.6% |
| Taxes, remuneration and social security45 | €33,448 | €47,092 | €55,003 | €76,421 | €71,833 | ▼ 6.0% |
| Taxes450/3 | €18,220 | €24,556 | €20,308 | €17,097 | €9,738 | ▼ 43.0% |
| Remuneration and social security454/9 | €15,227 | €22,536 | €34,695 | €59,324 | €62,095 | ▲ 4.7% |
| Other amounts payable47/48 | €79,975 | €31,872 | €26,118 | €68,318 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €87,750 | €64,350 | €41,450 | €19,146 | €75 | ▼ 99.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,768 | €7,108 | €11,344 | -€77,240 | -€259,911 | ▼ 236% |
| + Depreciation and write-downs630 | €109,600 | €113,555 | €120,640 | €178,465 | €187,138 | ▲ 4.9% |
| Operating cash flow (approximation) | €134,368 | €120,664 | €131,984 | €101,225 | -€72,773 | ▼ 172% |
| Investment in fixed assets (approximation) | - | -€12,000 | -€784,132 | -€36,250 | €118,855 | ▲ 428% |
| Change in cash | - | -€2,935 | -€1,739 | -€33 | €45,999 | ▲ 141,289% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet -€259,911
Net result drops to -€259,911, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
22-12
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 13 acts read
About the unread acts
We know of 13 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
13 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, Pepingen · 2 establishment units since 2004
Ground area
327 m²
Building footprint
243 m²
Volume, LiDAR
2,014 m³
2 parcels, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Wise Consult
since 20042.136.672.151
Wise Consult (LVA)
since 20172.270.485.928
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23064E0151/00A002 | Flanders | 193 m² | 1 · 111 m² | 13.5 m · 3 fl. |
| 23027G0705/00Y000 | Flanders | 134 m² | 1 · 132 m² | 13.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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: expect extra rules on renovation or sale.
Structure & network
Owners and holdings
5 owners · 2 holdingsOwners 5
-
26%
- Sourceaccounts ToVa 30-09-202523%
- Sourceaccounts iFin 202515.74%
-
12%
-
10%
Holdings 2
-
100%
-
15%
According to the 2024 annual accounts of WISE CONSULT and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 5,674 EUR awarded · 5,674 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,483 EUR | 2,483 EUR |
| 2024 | 1 | 1,596 EUR | 1,596 EUR |
| 2023 | 1 | 1,034 EUR | 1,034 EUR |
| 2022 | 1 | 561 EUR | 561 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
8755003G3Y6WSRTI0J16
Similar companies · same sector, comparable size
Cloosen Consult
BE 0787.832.020
Hasselt · Eq €13,452
WETO
BE 0649.565.844
Wijnegem · Eq €13,906
Roel Boussu Consulting
BE 0688.961.801
Hasselt · Eq €13,990
De Verzekeringscoach
BE 0776.484.406
Leuven · Eq €14,055
Financial Omniservice
BE 1009.170.479
Haaltert · Eq €13,066
Of 4,674 companies in sector 66220 we hold annual accounts for 3,222. 1,226 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
Founded12-02-2004
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0863394822
Also
9925:BE0863394822
Registered
08-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.