WiVera
ActiveWiVera is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.86M and a net result of €278k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 77% of 5491 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
2 d late
2024
27 d late
2023
29 d late
2022
46 d early
2021
5 d early
2020
2 d early
2019
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.86M▲ 10.8%
2024 · €2.58M
2019: €1.62M
2020: €1.78M
2021: €1.98M
2022: €2.18M
2023: €2.36M
2024: €2.58M
2019 → 2025
Net result
€278k▲ 29.8%
2024 · €215k
2019: €163k
2020: €164k
2021: €196k
2022: €204k
2023: €184k
2024: €215k
2019 → 2025
Total assets
€3.50M▲ 5.2%
2024 · €3.32M
2019: €3.27M
2020: €3.10M
2021: €3.17M
2022: €3.24M
2023: €3.27M
2024: €3.32M
2019 → 2025
Solvency
81.7%▲ 4.1pp
2024 · 77.6%
2019: 49.4%
2020: 57.3%
2021: 62.4%
2022: 67.3%
2023: 72.3%
2024: 77.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.98M-€2.18M▲ 10.3%€2.36M▲ 8.4%€2.58M▲ 9.1%€2.86M▲ 10.8%
Operating result€283k-€292k▲ 3.4%€292k▼ 0.2%€297k▲ 1.6%€410k▲ 38.2%
Net result€196k-€204k▲ 4.0%€184k▼ 10.1%€215k▲ 16.8%€278k▲ 29.8%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.50M
Fixed assets
€2.90M=
Current assets
€600k▲ 40.7%
Equity and liabilities €3.50M
Equity
€2.86M▲ 10.8%
Debt
€641k▼ 14.1%
The debt ratio falls from 22.4% to 18.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
81.7%▲
2024 · 77.6%
ROE
9.7%▲
2024 · 8.3%
ROA
8.0%▲
2024 · 6.5%
Debt
€641k▼
2024 · €746k
Debt ≤ 1 year
€602k▼
2024 · €637k
Debt > 1 year
€0▼
2024 · €75k
Income taxes
€123k▲
2024 · €65k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.32M€3.50M▲
Fixed assets21/28€2.90M€2.90M=
Financial fixed assets28€2.90M€2.90M=
Current assets29/58€427k€600k▲
Amounts receivable within one year40/41€410k€511k▲
Other amounts receivable41€410k€511k▲
Cash at bank and in hand54/58€16k€89k▲
Equity and liabilities
Total equity and liabilities10/49€3.32M€3.50M▲
Equity10/15€2.58M€2.86M▲
Contributions10/11€250k€250k=
Reserves13€2.33M€2.61M▲
Non-distributable reserves130/1€25k€25k=
Reserves not available under the articles1311€25k€25k=
Distributable reserves133€2.30M€2.58M▲
Profit (loss) carried forward14€0-
Amounts payable17/49€746k€641k▼
Amounts payable after more than one year17€75k€0▼
Financial debts170/4€75k€0▼
Amounts payable within one year42/48€637k€602k▼
Current portion of amounts payable after more than one year42€150k€75k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€12k€28k▲
Taxes450/3€12k€28k▲
Other amounts payable47/48€473k€495k▲
Accrued charges and deferred income492/3€33k€38k▲
Income statement
Code20242025
Other operating charges640/8€968€495▼
Gross operating margin9900€298k€410k▲
Operating profit (loss)9901€297k€410k▲
Financial income75/76B€18k€29k▲
Recurring financial income75€18k€29k▲
Financial charges65/66B€35k€38k▲
Recurring financial charges65€35k€38k▲
Profit (loss) for the period before taxes9903€279k€402k▲
Income taxes67/77€65k€123k▲
Profit (loss) for the period9904€215k€278k▲
Profit (loss) for the period to be appropriated9905€215k€278k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.12M€278k▼
Profit (loss) brought forward from the previous period14P€1.91M€0▼
Transfer to equity691/2€2.12M€278k▼
To other reserves6921€2.12M€278k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
2025
30-06
Financial
Highest result since 2019net €278k ▲29.8%
Operating result €410k, net result €278k, both a record.
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
30-06
Financial
Equity above €2MEq €2.18M ▲10.3%
4 profitable years in a row build equity to €2.18M.
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mouscron · 1 establishment unit since 2015
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.
Kortrijkstraat 727700 MouscronGround area
285 m²
Building footprint
137 m²
Volume, LiDAR
1,250 m³
Parcel 54007B0819/00T000, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
WiVera
since 20152.247.786.839
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54007B0819/00T000 | Wallonia | 285 m² | 1 · 137 m² | 10.5 m · 3 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.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 9,814 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-2015
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.