WISER
ActiveSummary
WISER has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22,042 and a net result of €11,254. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 29% of 8085 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+40
Solvency49▼-3
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.37 in 2024; short-term debt: 76.2% and cash: 5.2% of total assets), and 76.2% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
23.8%
Return on assets
12.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €22,042
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
on the day
2022
5 d early
2021
4 d early
2020
4 d early
2019
2 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 2 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11,254▲ 1,077%
2024 · €956
Working capital
€18,790▲ 74.2%
2024 · €10,788
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1,829€11,367▲ 521%
Net result€956€11,254▲ 1,077%
Equity€14,152=€14,152=€14,152=€10,788▼ 23.8%€22,042▲ 104%
Total assets€14,317=€14,317=€14,317=€39,843▲ 178%€92,737▲ 133%
Debt€165=€165=€165=€29,054▲ 17,509%€70,694▲ 143%
Working capital€14,152=€14,152=€14,152=€10,788▼ 23.8%€18,790▲ 74.2%
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 521% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92,737
Fixed assets
€3,252
Current assets
€89,485
Equity and liabilities €92,737
Equity
€22,042 ▲ 104%
Debt
€70,694 ▲ 143%
Debt's share of the balance-sheet total rises from 72.9% to 76.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12,004
Cash flow
€11,891
Current ratio
1.27▼
2024 · 1.37
Quick ratio
0.59▲
2024 · 0.40
Debt to equity
3.21▲
2024 · 2.69
ROE
51.1%▲
2024 · 8.9%
ROA
12.1%▲
2024 · 2.4%
Interest coverage
99.07
Debt ≤ 1 year
€70,694▲
2024 · €29,054
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 |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €387 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €637 | - |
| Other operating charges640/8 | - | - | - | - | €209 | - |
| Gross operating margin9900 | - | - | - | €2,216 | €12,213 | ▲ 451% |
| Operating profit (loss)9901 | - | - | - | €1,829 | €11,367 | ▲ 521% |
| Financial income75/76B | - | - | - | €1 | €8 | ▲ 927% |
| Recurring financial income75 | - | - | - | €1 | €4 | ▲ 381% |
| Non-recurring financial income76B | - | - | - | - | €4 | - |
| Financial charges65/66B | - | - | - | €873 | €121 | ▼ 86.1% |
| Recurring financial charges65 | - | - | - | €873 | €121 | ▼ 86.1% |
| Profit (loss) for the period before taxes9903 | - | - | - | €956 | €11,254 | ▲ 1,077% |
| Profit (loss) for the period9904 | - | - | - | €956 | €11,254 | ▲ 1,077% |
| Profit (loss) for the period to be appropriated9905 | - | - | - | €956 | €11,254 | ▲ 1,077% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €14,317 | €14,317 | €14,317 | €39,843 | €92,737 | ▲ 133% |
| Fixed assets21/28 | - | - | - | - | €3,252 | - |
| Tangible fixed assets22/27 | - | - | - | - | €3,252 | - |
| Plant, machinery and equipment23 | - | - | - | - | €3,252 | - |
| Current assets29/58 | €14,317 | €14,317 | €14,317 | €39,843 | €89,485 | ▲ 125% |
| Stocks and contracts in progress3 | - | - | - | €28,111 | €48,012 | ▲ 70.8% |
| Stocks30/36 | - | - | - | €28,111 | €48,012 | ▲ 70.8% |
| Amounts receivable within one year40/41 | €13,940 | €13,940 | €13,940 | €6,586 | €19,500 | ▲ 196% |
| Trade receivables40 | - | - | - | €6,586 | - | - |
| Other amounts receivable41 | €13,940 | €13,940 | €13,940 | - | €19,500 | - |
| Cash at bank and in hand54/58 | €377 | €377 | €377 | €3,109 | €4,855 | ▲ 56.2% |
| Deferred charges and accrued income490/1 | - | - | - | €2,037 | €17,117 | ▲ 740% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €14,317 | €14,317 | €14,317 | €39,843 | €92,737 | ▲ 133% |
| Equity10/15 | €14,152 | €14,152 | €14,152 | €10,788 | €22,042 | ▲ 104% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Outside capital11 | €12,400 | €12,400 | €12,400 | €12,400 | - | - |
| Share premium1100/10 | €12,400 | €12,400 | €12,400 | €12,400 | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | -€108 | -€108 | -€108 | -€3,472 | €7,782 | ▲ 324% |
| Amounts payable17/49 | €165 | €165 | €165 | €29,054 | €70,694 | ▲ 143% |
| Amounts payable within one year42/48 | €165 | €165 | €165 | €29,054 | €70,694 | ▲ 143% |
| Financial debts43 | - | - | - | - | €6,294 | - |
| Other loans439 | - | - | - | - | €6,294 | - |
| Trade debts44 | €165 | €165 | €165 | €78 | - | - |
| Suppliers440/4 | €165 | €165 | €165 | €78 | - | - |
| Advances received on contracts in progress46 | - | - | - | €3,032 | €18,389 | ▲ 507% |
| Taxes, remuneration and social security45 | - | - | - | €734 | €21,909 | ▲ 2,884% |
| Taxes450/3 | - | - | - | €734 | €21,909 | ▲ 2,884% |
| Other amounts payable47/48 | - | - | - | €25,210 | €24,102 | ▼ 4.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | - | - | - | €956 | €11,254 | ▲ 1,077% |
| + Depreciation and write-downs630 | - | - | - | - | €637 | - |
| Operating cash flow (approximation) | - | - | - | €956 | €11,891 | ▲ 1,143% |
| Change in cash | - | €0 | €0 | €2,731 | €1,746 | ▼ 36.1% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €11,254 ▲1,077%
Operating result €11,367, net result €11,254, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet -€513
Net result drops to -€513, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 86.77
Current ratio from 18.95 to 86.77; short-term debt falls from €817 to €165.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Tournai · 1 establishment unit since 2003
Ground area
1,541 m²
Building footprint
930 m²
Volume, LiDAR
6,024 m³
Parcel 57031B0400/00S000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WISER
since 20032.134.983.757
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57031B0400/00S000 | Wallonia | 1,541 m² | 1 · 930 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,743 companies in sector 46150 we hold annual accounts for 758. 478 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
Founded28-10-2003
Fiscal year end31-12
Activities, NACEBEL 2025
46150Agents in the wholesale of furniture, household goods and hardware
46180Agents specialised in the wholesale of other particular products
52100Warehousing and storage
Scores and ratios are computed by Checked and are not a credit decision.