Losses
-€1,722 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
WiSeGuy
Overview
Lifetime
2 annual accounts with figures on one time axispeak -€25 (2024)
-€71▼ €46
lowest -€953 (2025)
-€953▼ €184
peak €10,336 (2024)
€9,383▼ 9.2%
€34,053▲ 3.2%
Board3 names since 2015
3 directorsASTURION and 2 others
Documentsfilings and deeds
02-12-202560 days before the deadline
2025micro format
Gross margin from -€25 to -€71Loss of €953Cash from €36 to €123
Key points
from the 2025 annual accountsDebts
€34,053 78% of the balance sheet
Board
2 joined · 1 left
Board changed. Latest change 04-05-2026 · 2 in office.
Turnover not published (micro format)
Checked score
67
Healthy
Financially stronger than 21% of micro companies without a NACE code
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.2%highest value
01-2025: 0.8%▼ -0.4 percentage points vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.8%● unchanged vs 03-2025
05-2025: 0.8%● unchanged vs 04-2025
06-2025: 0.8%● unchanged vs 05-2025
07-2025: 0.8%● unchanged vs 06-2025
08-2025: 0.8%● unchanged vs 07-2025
09-2025: 0.8%● unchanged vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.8%● unchanged vs 05-2026
07-2026: 0.7%▼ -0.1 percentage points vs 06-2026
08-2026: 0.7%● unchanged vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026lowest value
11-2026: 0.7%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
No main activity registered
Liquidity: current ratio 0.00, cash €123
lowers risk
Size: total assets €43,436
Founded in 2011
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 (no NACE code, micro). It does better than 29% of them on solvency, 8% on liquidity, 22% on profitability and 25% on growth.
The bankruptcy probability was computed on 08-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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).
Comparable companies, two years later
In July 2024, 2,166 companies had the same profile as WiSeGuy has now. Each dot stands for 6 companies, two years later.
94.1%
were still trading
3.0%
stopped another way
2.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of WiSeGuy itself: 0.7% within 12 months.
Test of the method
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 2,166 companies, not a prediction for WiSeGuy. 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.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.0 (0.0 in 2024), below 1. Short-term debt is 78.4% and cash 0.3% of total assets. 78.4% of the assets are financed with debt and provisions.
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 30-06-2025 was due by 31-01-2026 and was filed on 02-12-2025, 60 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
60 days early
2024
43 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 2 accounts on average 52 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
1 director appointed, 1 manager resigning, 1 reappointment
Resignation: VERMEULEN Wim (manager) · Appointment: BIZQUID (director) · Permanent representatives: VERMEULEN Wim and HUYSMANS Peter · General meeting of 04-05-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0835005395
Incorporation
published on 12-04-2011 · Gazette deed
First establishment
Molenstraat 167, Rumst
Official details
Source: KBO- Status
- Active since 24-03-2011Normal situation
- Registered office
- 13 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
- Activity
- No activity registered in the KBO
- Establishment unit
- 2.251.006.3482840 Rumst, since 24-03-2011
- Financial year end
- 30 June
- Peppol
- Reachable since 24-11-2023
Annual accounts to 30-06-2025
- -€71▼ 183%
- €953▲ 23.9%
- €9,383▼ 9.2%
- €43,436▲ 0.2%
- Filing
- Filed on 02-12-2025, 60 days before the end of the filing period
Insights on WiSeGuy
WiSeGuy has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,383 and a net result of -€953.
The computed 12-month bankruptcy probability is 0.7% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 02-12-2025, 60 days before the deadline-€71
▼ €46
-€654
▼ €41
-€953
▼ €184
-€33,929
▼ €953
21.6%
▼ 2.2 percentage points
0.00
▲ 0.00
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €43,436 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
43,436 | 43,348 | |
21/28 |
43,313 | 43,313 | |
22/27 |
43,313 | 43,313 | |
22 |
43,313 | 43,313 | |
29/58 |
123 | 36 | |
54/58 |
123 | 36 | |
| Balance sheet: equity and liabilities | |||
10/49 |
43,436 | 43,348 | |
10/15 |
9,383 | 10,336 | |
10/11 |
18,600 | 18,600 | |
14 |
-9,217 | -8,264 | |
17/49 |
34,053 | 33,012 | |
42/48 |
34,053 | 33,012 | |
44 |
- | 193 | |
440/4 |
- | 193 | |
47/48 |
34,053 | 32,819 | |
| Income statement | |||
9900 |
-71 | -25 | |
640/8 |
582 | 587 | |
9901 |
-654 | -612 | |
65/66B |
299 | 157 | |
65 |
299 | 157 | |
9903 |
-953 | -769 | |
9904 |
-953 | -769 | |
9905 |
-953 | -769 | |
| Appropriation of the result | |||
9906 |
-9,217 | -8,264 | |
14P |
-8,264 | -7,495 | |
| Document | |||
The notes to these accounts have 2 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 02-12-2025.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 88 | - | ||
| -33,929 | -32,977 | ||
| 21.6% | 23.8% | ||
| 0.00 | 0.00 | ||
| 3.63 | 3.19 | ||
| -10.2% | -7.4% | ||
| -2.2% | -1.8% |
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.
Insights on WiSeGuy
The operating result for 2025 is a loss of €654, larger than the loss of €612 in 2024.
Debt's share of the balance-sheet total rises from 76.2% to 78.4%. Equity is lower and debt is higher.
Board & ownership
Board
2 directors, last change in May 2026Director, permanent representative HUYSMANS Peter
since 10-12-2015
term without a fixed end
listed in the 2025 annual accounts, filed on 02-12-2025
BIZQUID BVBA
Director (not named in the articles), permanent representative VERMEULEN Wim
since 10-12-2015
term without a fixed end
listed in the 2025 annual accounts, filed on 02-12-2025
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Is er slechts één bestuurder aangesteld, dan vertegenwoordigt hij de vennootschap jegens derden en in rechte als eiser of als verweerder…”“Indien de vennootschap benoemd wordt tot bestuurder, of lid van het directiecomité van een andere vennootschap, dan zal zij onder haar…”
Full text
Indien de vennootschap benoemd wordt tot bestuurder, of lid van het directiecomité van een andere vennootschap, dan zal zij onder haar aandeelhouders of werknemers een vaste vertegenwoordiger benoemen die belast wordt met de uitvoering van deze opdrachten. In voorkomend geval zal, in afwijking van de algemene regel inzake externe vertegenwoordiging opgenomen in de vorige alinea, de vennootschap enkel geldig kunnen vertegenwoordigd worden door de aldus benoemde vaste vertegenwoordiger.
“Bovendien wordt de vennootschap ook nog geldig vertegenwoordigd door de bijzondere volmachtdragers binnen de grenzen van hun volmacht.”deed of 26-05-2026
Permanent representatives 2
Mandates through the years
3 names, the dashed line is todayBoardEarlier
Mandates as a list
- ASTURION
- Director, from 10-12-2015 to date
- BIZQUID
- Director (not named in the articles), from 10-12-2015 to date
- VERMEULEN Wim
- Manager, from 10-12-2015 to 04-05-2026
Control
Capital
- Contribution
- €18,600
- Source
- 2025 annual accounts
Articles of association
deed of 26-05-2026 (in Dutch)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Geheel van de bevoegdheden aan één bestuurder toegekend met mogelijkheid om deel te delegeren; bij twee bestuurders mag iedere alleen…”“Tenminste de helft van zijn leden aanwezig of vertegenwoordigd, op uitnodiging van de voorzitter die het college moet samenroepen wanneer…”
Network & group
No group
WiSeGuy has no parent and no holdings in its annual accounts.
At the same address
Molenstraat 167, 2840 Rumst · 12 other companies| ROCKMED
registered office since 19-06-2003 · founded in 2003 |
7.1 FTE (2025) 0480.169.794 |
| PREVOM
registered office since 29-07-2019 · founded in 2019 |
35 FTE (2025) 0731.673.473 |
| Kumo Bouwwerken
registered office since 09-05-2018 · founded in 2018 · negative equity (2025) |
total assets €1.9m (2025) 0695.860.677 |
| VH OPHTHALMICS
establishment since 31-01-2012 · founded in 2004 |
2.8 FTE (2025) 0865.746.873 |
| CERVIX PLUS
registered office since 05-05-2009 · founded in 2006 · negative equity (2025) |
total assets €823,977 (2025) 0879.087.838 |
| Kinderplaneet
establishment since 15-05-2018 · founded in 2006 |
total assets €808,501 (2025) 0879.501.968 |
| PPLEFLOW
establishment since 01-11-2025 · founded in 2021 |
total assets €679,481 (2025) 0776.682.661 |
| Groow Global
registered office since 27-04-2023 · founded in 2023 · negative equity (2025) |
total assets €194,153 (2025) 0801.229.995 |
| People 4 Technology
registered office since 02-03-2018 · founded in 1995 · negative equity (2025) |
total assets €81,057 (2025) 0455.503.882 |
| Groow International
registered office since 22-09-2000 · founded in 1998 |
total assets €14,401 (2025) 0465.135.487 |
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Linked via shared directors
CERVIX PLUS
via BIZQUID · Director (not named in the articles) · deed of 07-05-2026
Founded in 2006 · total assets €823,977 (2025) · negative equity
→
Timeline
Timeline
6 events since 2011Board
Filings
Establishments
20122014201620182020202220242026
Deadline for the 2026 accounts: 31-01-2027
2026
1 director appointed, 1 manager resigning, 1 reappointmentResignation: VERMEULEN Wim (manager) · Appointment: BIZQUID (director) · Permanent representatives: VERMEULEN Wim and HUYSMANS Peter · General meeting of 04-05-20269 points ▸
- General meeting, 04-05-2026
- 186 shares
- Director resignation, VERMEULEN Wim (manager)
- Director appointment, BIZQUID (director (not named in the articles))
- Permanent representative, VERMEULEN Wim
- Director reappointment, ASTURION
- Permanent representative, HUYSMANS Peter
- Registered office clause, Molenstraat 167, 2840 Rumst
- Power of attorney, Konsilanto
- The deed holds 3 more points.
2025
Annual accounts 2025 filed NBBmicro format · 60 days before the deadline
2024
Annual accounts 2024 filed NBBmicro format · 43 days before the deadline
2023
Registered in the Peppol Directory Reachable for e-invoices through 0208:0835005395
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Identity
- Enterprise number
- 0835.005.395
- VAT number
- BE 0835.005.395
- Peppol ID
- 0208:0835005395
- Other Peppol ID
- 9925:BE0835005395
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 24-03-2011
- Financial year
- ends on 30 June
- Peppol
- Reachable since 24-11-2023Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- WiSeGuy in Dutch
- Entity type
- Legal entity
- 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 26-05-2026 (in Dutch)
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Molenstraat 167 registered office 2840 Rumst 68110 Buying and selling of own real estate | 24-03-2011 | 2.251.006.348 |
Buildings and parcels at the address
- Ground area
- 1,889 m²
- Buildings
- 951 m²
- Volume, LiDAR
- 3,932 m³
- Tallest building
- 6.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11036D0229/00P000 | 1,889 m² | 1 · 951 m² | 6.3 m · 1 |