WIVA&D.A
ActiveThe computed 12-month bankruptcy probability of WIVA&D.A is 2.0% (moderate). The 2025 annual accounts show equity of €93k and a net result of €91k. Its solvency ranks better than 42% of 4462 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency59
Growth-
Track record67
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.5; short-term debt: 66.3% and cash: 5.5% of total assets), but 66.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
33.6%
Return on assets
32.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 31-03-2026, 30 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€93k
Total assets
€277k
Net result
€91k
Working capital
€92k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €277k
Fixed assets
€1k
Current assets
€276k
Equity and liabilities €277k
Equity
€93k
Debt
€184k
Debt finances 66.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€131k
Cash flow
€91k
Solvency
33.6%
Current ratio
1.50
Quick ratio
1.50
Debt / equity
1.97
ROE
97.3%
ROA
32.7%
Interest coverage
8.00
Debt
€184k
Debt ≤ 1 year
€184k
Income taxes
€29k
Staff costs
€43k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€277k
Fixed assets21/28€1k
Tangible fixed assets22/27€1k
Plant, machinery and equipment23€1k
Current assets29/58€276k
Amounts receivable within one year40/41€261k
Trade receivables40€51k
Other amounts receivable41€210k
Cash at bank and in hand54/58€15k
Equity and liabilities
Total equity and liabilities10/49€277k
Equity10/15€93k
Contributions10/11€3k
Outside capital11€3k
Other1109/19€3k
Reserves13€91k
Distributable reserves133€91k
Amounts payable17/49€184k
Amounts payable within one year42/48€184k
Trade debts44€47k
Suppliers440/4€47k
Taxes, remuneration and social security45€137k
Taxes450/3€137k
Accrued charges and deferred income492/3€84
Income statement
Code2025
Remuneration, social security and pensions62€43k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€314
Other operating charges640/8€12k
Gross operating margin9900€186k
Operating profit (loss)9901€131k
Financial income75/76B€6k
Recurring financial income75€6k
Financial charges65/66B€16k
Recurring financial charges65€16k
Profit (loss) for the period before taxes9903€120k
Income taxes67/77€29k
Profit (loss) for the period9904€91k
Profit (loss) for the period to be appropriated9905€91k
Appropriation of the result
Profit (loss) to be appropriated9906€91k
Transfer to equity691/2€91k
To other reserves6921€91k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Bredene · 1 establishment unit since 2023
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.
Duinenstraat 3328450 BredeneGround area
1,445 m²
Building footprint
1,445 m²
Volume, LiDAR
10,810 m³
Parcel 35302C0382/02E004, Flanders · tallest building 20.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WIVA&D.A
since 20232.352.927.218
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35302C0382/02E004 | Flanders | 1,445 m² | 1 · 1,445 m² | 20.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 4,500 EUR awarded · 4,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 4,500 EUR | 4,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,356 companies in sector 81210 we hold annual accounts for 2,734. 2,172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2023
Fiscal year end30-09
Activities, NACEBEL
43992Specialised construction activities
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
41001General construction of residential buildings
41003General construction of other non-residential buildings
43410Roofing work
78100Employment placement agencies
82990Other business support services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.