Summary
WIVAGO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €223,814 and a net result of €160,095. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2018 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
32 d early
2024
35 d early
2023
51 d early
2022
7 d early
2021
61 d early
2020
31 d early
2019
28 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 35 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 26 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 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 changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
€223,814▲ 251%
2023 · €63,719
Net result
€160,095▲ 9.9%
2023 · €145,689
Total assets
€238,765▲ 2.4%
2023 · €233,150
Solvency
93.7%▲ 66.4pp
2023 · 27.3%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€131,120▼ 12.2%€154,793▲ 18.1%€138,137▼ 10.8%€187,083▲ 35.4%€201,321▲ 7.6%
Net result€101,046above the sector's middle half▼ 9.3%€119,576above the sector's middle half▲ 18.3%€107,105above the sector's middle half▼ 10.4%€145,689above the sector's middle half▲ 36.0%€160,095above the sector's middle half▲ 9.9%
Equity€224,811within the sector's middle half▲ 81.6%€342,849within the sector's middle half▲ 52.5%€68,030within the sector's middle half▼ 80.2%€63,719within the sector's middle half▼ 6.3%€223,814within the sector's middle half▲ 251%
Total assets€238,160within the sector's middle half▲ 76.4%€351,727within the sector's middle half▲ 47.7%€268,463within the sector's middle half▼ 23.7%€233,150within the sector's middle half▼ 13.2%€238,765within the sector's middle half▲ 2.4%
Debt€13,349▲ 18.5%€8,878▼ 33.5%€200,433▲ 2,158%€169,431▼ 15.5%€14,951▼ 91.2%
Working capital€225,369above the sector's middle half▲ 81.7%€343,664above the sector's middle half▲ 52.5%€60,640within the sector's middle half▼ 82.4%€58,815within the sector's middle half▼ 3.0%€221,700above the sector's middle half▲ 277%
Solvency94.4%above the sector's middle half▲ 2.7pp97.5%above the sector's middle half▲ 3.1pp25.3%within the sector's middle half▼ 72.1pp27.3%within the sector's middle half▲ 2.0pp93.7%above the sector's middle half▲ 66.4pp
Current ratio18.62above the sector's middle half▲ 6.3043.62above the sector's middle half▲ 25.001.30within the sector's middle half▼ 42.321.35within the sector's middle half▲ 0.0416.24above the sector's middle half▲ 14.90
Return on assets (ROA)42.4%above the sector's middle half▼ 40.0pp34.0%above the sector's middle half▼ 8.4pp39.9%above the sector's middle half▲ 5.9pp62.5%above the sector's middle half▲ 22.6pp67.1%above the sector's middle half▲ 4.6pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 8% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €238,765
Fixed assets
€2,522 ▼ 51.6%
Current assets
€236,243 ▲ 3.6%
Equity and liabilities €238,765
Equity
€223,814 ▲ 251%
Debt
€14,951 ▼ 91.2%
Debt's share of the balance-sheet total falls from 72.7% to 6.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
71.5%▼
2023 · 228.6%
Debt ≤ 1 year
€14,544▼
2023 · €169,122
Income taxes
€47,581▲
2023 · €43,817
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €280 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €170 | €2,691 | €2,691 | = |
| Other operating charges640/8 | - | €992 | €1,004 | €1,096 | €1,139 | ▲ 3.9% |
| Gross operating margin9900 | €131,761 | €155,785 | €139,311 | €190,871 | €205,151 | ▲ 7.5% |
| Operating profit (loss)9901 | €131,120 | €154,793 | €138,137 | €187,083 | €201,321 | ▲ 7.6% |
| Financial income75/76B | - | €795 | €1,067 | €2,502 | €6,440 | ▲ 157% |
| Recurring financial income75 | €0 | €795 | €1,067 | €2,502 | €6,440 | ▲ 157% |
| Financial charges65/66B | - | €79 | €112 | €80 | €84 | ▲ 5.2% |
| Recurring financial charges65 | €65 | €79 | €112 | €80 | €84 | ▲ 5.2% |
| Profit (loss) for the period before taxes9903 | €131,055 | €155,509 | €139,092 | €189,506 | €207,677 | ▲ 9.6% |
| Income taxes67/77 | €30,009 | €35,933 | €31,987 | €43,817 | €47,581 | ▲ 8.6% |
| Profit (loss) for the period9904 | €101,046 | €119,576 | €107,105 | €145,689 | €160,095 | ▲ 9.9% |
| Profit (loss) for the period to be appropriated9905 | €101,046 | €119,576 | €107,105 | €145,689 | €160,095 | ▲ 9.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €238,160 | €351,727 | €268,463 | €233,150 | €238,765 | ▲ 2.4% |
| Fixed assets21/28 | - | - | €7,904 | €5,213 | €2,522 | ▼ 51.6% |
| Tangible fixed assets22/27 | - | - | €7,904 | €5,213 | €2,522 | ▼ 51.6% |
| Furniture and vehicles24 | - | - | €7,904 | €5,213 | €2,522 | ▼ 51.6% |
| Current assets29/58 | €238,160 | €351,727 | €260,558 | €227,937 | €236,243 | ▲ 3.6% |
| Amounts receivable after more than one year29 | - | €16,223 | €12,338 | €8,341 | €4,230 | ▼ 49.3% |
| Other amounts receivable291 | - | €16,223 | €12,338 | €8,341 | €4,230 | ▼ 49.3% |
| Amounts receivable within one year40/41 | €24,805 | €24,805 | €25,805 | €32,199 | €54,805 | ▲ 70.2% |
| Trade receivables40 | - | €24,805 | €24,674 | €31,686 | €54,805 | ▲ 73.0% |
| Other amounts receivable41 | - | - | €1,131 | €513 | - | - |
| Current investments50/53 | €104,000 | €140,764 | €128,188 | €125,016 | €126,000 | ▲ 0.8% |
| Cash at bank and in hand54/58 | €105,112 | €165,621 | €90,637 | €58,612 | €47,373 | ▼ 19.2% |
| Deferred charges and accrued income490/1 | - | €4,314 | €3,590 | €3,768 | €3,836 | ▲ 1.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €238,160 | €351,727 | €268,463 | €233,150 | €238,765 | ▲ 2.4% |
| Equity10/15 | €224,811 | €342,849 | €68,030 | €63,719 | €223,814 | ▲ 251% |
| Contributions10/11 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €9,543 | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Non-distributable reserves130/1 | - | €1,855 | €1,855 | - | - | - |
| Reserves not available under the articles1311 | - | €1,855 | €1,855 | - | - | - |
| Distributable reserves133 | - | - | - | €1,855 | €1,855 | = |
| Profit (loss) carried forward14 | €202,868 | €322,444 | €47,625 | €43,314 | €203,409 | ▲ 370% |
| Amounts payable17/49 | €13,349 | €8,878 | €200,433 | €169,431 | €14,951 | ▼ 91.2% |
| Amounts payable within one year42/48 | €12,791 | €8,063 | €199,918 | €169,122 | €14,544 | ▼ 91.4% |
| Trade debts44 | €561 | €1,401 | €4 | €1,481 | - | - |
| Suppliers440/4 | - | €1,401 | €4 | €1,481 | - | - |
| Taxes, remuneration and social security45 | - | €6,048 | - | €5,071 | €10,790 | ▲ 113% |
| Taxes450/3 | - | €6,048 | - | €5,071 | €10,790 | ▲ 113% |
| Other amounts payable47/48 | - | €614 | €199,914 | €162,570 | €3,754 | ▼ 97.7% |
| Accrued charges and deferred income492/3 | - | €815 | €515 | €309 | €407 | ▲ 31.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €101,046 | €119,576 | €107,105 | €145,689 | €160,095 | ▲ 9.9% |
| + Depreciation and write-downs630 | - | - | €170 | €2,691 | €2,691 | = |
| Operating cash flow (approximation) | €101,046 | €119,576 | €107,275 | €148,380 | €162,787 | ▲ 9.7% |
| Investment in fixed assets (approximation) | - | - | - | €0 | €0 | - |
| Change in cash | - | €60,509 | -€74,984 | -€32,025 | -€11,239 | ▲ 64.9% |
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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €160,095 ▲9.9%
Operating result €201,321, net result €160,095, both a record.
31-12
Financial
Liquidity times 12current ratio 16.24
Current ratio from 1.35 to 16.24; short-term debt falls from €169,122 to €14,544.
31-12
Financial
Equity above €200,000Eq €223,814 ▲251%
6 profitable years in a row build equity to €223,814.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 43.62
Current ratio from 18.62 to 43.62; short-term debt falls from €12,791 to €8,063.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €101,046 ▼9.3%
Net result drops to €101,046, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200,000Eq €224,811 ▲81.6%
2 profitable years in a row build equity to €224,811.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated 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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Heist-op-den-Berg · 1 establishment unit since 2018
Ground area
905 m²
Building footprint
183 m²
Volume, LiDAR
833 m³
Parcel 12033C0574/00Y000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
WIVAGO
since 20182.282.371.792
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12033C0574/00Y000 | Flanders | 905 m² | 1 · 183 m² | 7.4 m · 1 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.
Similar companies · same sector, comparable size
M.D. MANAGEMENT SUPPORT
BE 0479.399.437
Knokke-Heist · Eq €223,825
MPC
BE 0745.470.140
Mol · Eq €223,760
FLOWED SOLUTIONS
BE 0722.758.480
Beveren-Kruibeke-Zwijndrecht · Eq €223,917
B&E DYNAMICS
BE 0835.274.522
Koksijde · Eq €223,692
CREAN
BE 0464.455.695
Moorslede · Eq €223,642
Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 13,561 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
Founded29-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0714939587
Also
9925:BE0714939587
Registered
01-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.