Wise Guest
ActiveSummary
Wise Guest has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157,536 and a net result of €118,754. Its solvency ranks better than 57% of 21,158 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 30-05-2024 Normal situation
- Activity
- Computer programming NACE 62100and 2 others
- Establishment unit
- 2.360.043.553 9031 Ghent, since 30-05-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 03-09-2025
Board and ownership
Board
- COLLIER Sofie Yvonne RaoulDirector
Shareholders
- DE MILT Reinhard Reimond Geertfounderdeed of 03-06-2024
- COLLIER Sofie Yvonne Raoulfounderdeed of 03-06-2024
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
Annual accounts 2025
- Gross margin
- €155,032
- ▲ 223%
- Turnover
- ≈ €220,000
- estimated
- Profit
- €118,754
- ▲ 223%
- Equity
- €157,536
- ▲ 306%
- Total assets
- €238,259
- ▲ 229%
Score breakdownraises riskFounded in 2024lowers riskLiquidity: current ratio 3.02, cash €233,531Sector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €238,259Show the evidence
Checked score
Score 2025
97
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 77% of micro companies in computer programming and consultancy (NACE 62)
Financial strength · tick: 2024
Strong
Solvency
91+12
equity 66.1% of total assets
Liquidity
86+9
short-term debt 32.6% · cash 98.0%
Profitability
100=
return on assets 49.8%
Bankruptcy probability within 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
06-2025: 0.4%highest value
07-2025: 0.4%● unchanged vs 06-2025highest value
08-2025: < 0.1%▼ -0.4 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Credit of up to €15,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 3.02 (2.09 in 2024), above the usual 1.5. Short-term debt is 32.6% and cash 98% of total assets. 33.9% of the assets are financed with debt and provisions.
Calculation
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 59% of them on solvency, 71% on liquidity, 82% on profitability and 97% on growth.
The bankruptcy probability was computed on 04-11-2026 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 31-12-2025.
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).
Credit check for an amount and term of your choice
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.
Signals
Five signals.
lowers riskraises riskneutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
9 days early
2024
7 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 8 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.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 22-07-2026 at the NBB all 2 filings
Turnover
≈ €220,000
Estimated: probably between €190,000 and €320,000
Total assets
€238,259▲ 229%
2024 · €72,389
Net result
€118,754▲ 223%
2024 · €36,782
Working capital
€157,044▲ 329%
2024 · €36,641
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
€153,033
▲ 229%
2025
20242025
Net result
€118,754
▲ 223%
2025
highest quarter of the sector
20242025
Equity
€157,536
▲ 306%
2025
highest quarter of the sector
20242025
Total assets
€238,259
▲ 229%
2025
middle half of the sector
20242025
Debt
€80,723
▲ 140%
2025
20242025
Working capital
€157,044
▲ 329%
2025
highest quarter of the sector
20242025
Solvency
66.1%
▲ 12.5pp
2025
middle half of the sector
20242025
Current ratio
3.02
▲ 0.93
2025
middle half of the sector
20242025
Return on assets (ROA)
49.8%
▼ 1.0pp
2025
highest quarter of the sector
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€46,504-€153,033▲ 229%
Net result€36,782within the sector's middle half-€118,754above the sector's middle half▲ 223%
Equity€38,782within the sector's middle half-€157,536above the sector's middle half▲ 306%
Total assets€72,389within the sector's middle half-€238,259within the sector's middle half▲ 229%
Debt€33,607-€80,723▲ 140%
Working capital€36,641within the sector's middle half-€157,044above the sector's middle half▲ 329%
Solvency53.6%within the sector's middle half-66.1%within the sector's middle half▲ 12.5pp
Current ratio2.09within the sector's middle half-3.02within the sector's middle half▲ 0.93
Return on assets (ROA)50.8%above the sector's middle half-49.8%above the sector's middle half▼ 1.0pp
above
within
below
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 3.3 times that of 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238,259
Fixed assets
€3,642 ▲ 70.1%
Current assets
€234,617 ▲ 234%
Equity and liabilities €238,259
Equity
€157,536 ▲ 306%
Debt
€80,723 ▲ 140%
Debt's share of the balance-sheet total falls from 46.4% to 33.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€153,947▲
2024 · €46,577
Cash flow
€119,668▲
2024 · €36,855
Debt to equity
0.51▼
2024 · 0.87
ROE
75.4%▼
2024 · 94.8%
Interest coverage
over 100
Debt ≤ 1 year
€77,573▲
2024 · €33,607
Income taxes
€34,203▲
2024 · €9,722
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €2,214 | €2,415 |
| Depreciation and write-downs of the year | €73 | €914 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €73 | €914 | ▲ 13× |
| Other operating charges640/8 | €1,359 | €1,086 | ▼ 20.1% |
| Gross operating margin9900 | €47,936 | €155,032 | ▲ 223% |
| Operating profit (loss)9901 | €46,504 | €153,033 | ▲ 229% |
| Financial charges65/66B | - | €75 | - |
| Recurring financial charges65 | - | €75 | - |
| Profit (loss) for the period before taxes9903 | €46,504 | €152,958 | ▲ 229% |
| Income taxes67/77 | €9,722 | €34,203 | ▲ 252% |
| Profit (loss) for the period9904 | €36,782 | €118,754 | ▲ 223% |
| Profit (loss) for the period to be appropriated9905 | €36,782 | €118,754 | ▲ 223% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €72,389 | €238,259 | ▲ 229% |
| Fixed assets21/28 | €2,141 | €3,642 | ▲ 70.1% |
| Tangible fixed assets22/27 | €2,141 | €3,642 | ▲ 70.1% |
| Furniture and vehicles24 | €2,141 | €1,403 | ▼ 34.5% |
| Other tangible fixed assets26 | - | €2,239 | - |
| Current assets29/58 | €70,248 | €234,617 | ▲ 234% |
| Amounts receivable within one year40/41 | €13,051 | €1,085 | ▼ 91.7% |
| Trade receivables40 | €12,100 | €1,082 | ▼ 91.1% |
| Other amounts receivable41 | €951 | €3 | ▼ 99.7% |
| Cash at bank and in hand54/58 | €57,197 | €233,531 | ▲ 308% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €72,389 | €238,259 | ▲ 229% |
| Equity10/15 | €38,782 | €157,536 | ▲ 306% |
| Contributions10/11 | €2,000 | €2,000 | = |
| Reserves13 | €36,782 | €155,536 | ▲ 323% |
| Distributable reserves133 | €36,782 | €155,536 | ▲ 323% |
| Amounts payable17/49 | €33,607 | €80,723 | ▲ 140% |
| Amounts payable within one year42/48 | €33,607 | €77,573 | ▲ 131% |
| Trade debts44 | €887 | €908 | ▲ 2.3% |
| Suppliers440/4 | €887 | €908 | ▲ 2.3% |
| Taxes, remuneration and social security45 | €18,218 | €46,658 | ▲ 156% |
| Taxes450/3 | €18,218 | €46,658 | ▲ 156% |
| Other amounts payable47/48 | €14,502 | €30,007 | ▲ 107% |
| Accrued charges and deferred income492/3 | - | €3,150 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €36,782 | €118,754 | ▲ 223% |
| + Depreciation and write-downs630 | €73 | €914 | ▲ 13× |
| Operating cash flow (approximation) | €36,855 | €119,668 | ▲ 225% |
| Investment in fixed assets (approximation) | - | -€2,415 | - |
| Change in cash | - | €176,335 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as Wise Guest has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
95.8%
was still going
2.3%
stopped otherwise
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Wise Guest itself is lower: < 0.1% within 12 months. It rests on far more data about Wise Guest than the profile alone.
Test of the method
The method was tested on the 497,446 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 39,278 companies, not a prediction for Wise Guest. 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.
Board & ownership
Directors
Directors
1 director, since incorporation
COLLIER Sofie Yvonne Raoul
Current
Director (not named in the articles) · appointed by deed of 03-06-2024 · term without a fixed end · listed in the 2025 annual accounts, filed on 22-07-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 03-06-2024Owners and capital
Shareholders
At incorporation
deed of 03-06-2024 ↗
- DE MILT Reinhard Reimond Geert founder
- COLLIER Sofie Yvonne Raoul founder
Capital transactions
Capital over time
- 03-06-2024 Incorporation · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Vaste of evenredige vergoeding, ten kosteloze titel, tenzij anders beslist door algemene vergadering”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 03-06-2024 (in Dutch)
Network & group
Wise Guest shares no director with another company.
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of Wise Guest. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Deeds, filings and financial milestones
Deadline for the 2026 accounts:
2026
22-07
micro format · 9 days before the deadline
2025
31-12
Financial
Equity above €150,000equity €157,536 ▲306%
With a profit in every financial year since 2024, equity grows to €157,536.
24-07
micro format · 7 days before the deadline
2024
03-06
Gazette deed
IncorporationFounders: DE MILT Reinhard Reimond Geert and COLLIER Sofie Yvonne Raoul · 100 shares · Appointment: COLLIER Sofie Yvonne Raoul (director)8 points ▸
Gazette deed
Incorporation
Founders: DE MILT Reinhard Reimond Geert and COLLIER Sofie Yvonne Raoul · 100 shares · Appointment: COLLIER Sofie Yvonne Raoul (director)8 points ▸
- Incorporation, 29-05-2024
- Founder, DE MILT Reinhard Reimond Geert
- Founder, COLLIER Sofie Yvonne Raoul
- 100 shares
- Registered office clause, Wallemeers 17, 9031 Gent
- Board rule, 1
- Director appointment, COLLIER Sofie Yvonne Raoul (director (not named in the articles))
- Permanent representative, COLLIER Sofie Yvonne Raoul
- The deed holds 1 more point.
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Wise Guest in Dutch
Enterprise number
1009.852.845
LEI code
64889J07CIO15M35UM28
live in the LEI register
Legal form
Private limited company
Status
Active, normal situation
Founded
30-05-2024
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 03-06-2024 (in Dutch)Name clauseThe company operates under this name according to its articles.
Wise Guest
deed of 03-06-2024 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 03-06-2024 (in Dutch)Registered office and establishments
Registered office
Wallemeers 17, 9031 Ghent, Belgium
Establishment unit
Wise Guest, Wallemeers 17, 9031 Ghent since 30-05-2024 · unit number 2.360.043.553
Activities
NACEBEL 202562100
Computer programming main activity
70200
Business and other management consultancy
85599
Other education
Codes under NACEBEL 2008
62010
Computer programming, consultancy and related activities main activity
70220
Business consulting
85599
Other education
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 03-06-2024 (in Dutch)
“Raadgeving en adviesverlening in de breedste zin, zoals maar niet beperkt tot aankoop, logistiek, financiën, communicatie, marketing…”
26 activities
- Raadgeving en adviesverlening in de breedste zin, zoals maar niet beperkt tot aankoop, logistiek, financiën, communicatie, marketing, verkoop, evenementen en personeelsbeleid; organisatie van training, seminars en workshops; uitvoeren van audits en doorlichtingen, zowel financieel als operationeel
- Het verstrekken van management-bedrijfsadvies met het oog op de algemene verbetering en optimalisatie van bedrijfsprocessen
- Het verlenen van bijstand en hulp onder de meest verschillende vormen aan derden, en dit op het vlak van bestuur en organisatie, het verlenen van adviezen en intellectuele en administratieve hulp, het ter beschikking stellen aan derden onder welke vorm ook van benodigdheden, materiaal instrumenten, hard- en software, het waarnemen van het beheer op alle niveaus
- Het ontwerpen en verstrekken van management- en bedrijfsopleidingen
- De exploitatie van een studie-, organisatie-, en raadgevend bureau inzake managementaangelegenheden, bedrijfsvoering, marketing, consulting en administratie
- Het rechtstreeks of onrechtstreeks deelnemen aan het bestuur, de directie, de controle en vereffening van vennootschappen en ondernemingen
- Het organiseren van opleidingen in de meest ruime zin
- Het organiseren van congressen en evenementen in binnen- en buitenland
- Het opstellen van projecten tot resultaatsverbetering, onder andere door specifieke training en coaching in de meest ruime zin
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten, zoals de aan- en verkoop, de bouw, het laten bouwen, de verbouwing, de binnenshuisinrichting en decoratie, de huur en verhuur, de ruil, de verkaveling en, in het algemeen, alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken, van onroerende goederen of onroerende zakelijke rechten
- Alle handelingen die betrekking hebben op onroerende leasing
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend vermogen; alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals de aan- en verkoop, de huur en verhuur, de ruil: in het bijzonder het beheer en de valorisatie van alle verhandelbare waardepapieren, aandelen, obligaties, staatsfondsen
- Het verwerven en/of aanhouden van participaties, in eender welke vorm, in alle bestaande of op te richten, industriële, commerciële, financiële landbouw- of immobiliënvennootschappen of ondernemingen; het stimuleren, de planning en coördinatie van de ontwikkeling van de vennootschappen en ondernemingen, waarin ze een participatie aanhoudt; het deelnemen aan hun beheer, bestuur, vereffening en toezicht alsmede het verlenen van technische, administratieve en financiële bijstand aan deze vennootschappen en ondernemingen
- Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren, in eender welke vorm, het zich borg stellen of aval verlenen, in de meest ruime zin, alle handelsoperaties en financiële operaties verrichten, behalve die wettelijk voorbehouden zijn aan depositobanken, houders van deposito’s op korte termijn, spaarkassen, hypotheekmaatschappijen en kapitalisatieondernemingen
- Het aangaan van welkdanige investering, zelfs indien deze geen rechtstreeks verband heeft met de activiteit van de vennootschap
- Advies en dienstverlening rond sport, sportcoaching, fitness, sportsponsering, sportmarketing, lifecoaching en gezondheid
- E-commerce
- Oprichten en uitbouwen van een deeleconomie
- Ontwikkeling van website, digitale applicaties en webplatformenen
- Organiseren van teambuilding, reizen en groepsactiviteiten
- Uitbaten van een sportclub
- Uitbaten van een horecazaak
- Scheppende kunsten
- Ondersteunende activiteiten voor scheppende kunsten
- Overige ondersteunende actviteiten voor uitvoerende kunsten
- Overige dienstverlening
Invoicing and payment
VAT number
BE 1009.852.845
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of June
deed of 03-06-2024 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
469 m²
Building footprint
107 m²
Building volume
685 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 44017A0903/00W000 | Flanders | 469 m² | 1 · 107 m² | 9.2 m · 2 |