Summary
WLM-Reno 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 €78k and a net result of €68k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 20% of 5527 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 5527 sector peers (2025).
NBB · sector comparisonPosition among 5527 sector peers
Solvency
better than 20%
← weakest
strongest →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
15 d early
2024
on the day
2023
20 d early
2022
4 d early
2021
16 d early
2020
3 d early
2019
32 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€78k▼ 22.9%
2024 · €101k
2019: €8k
2020: €-2k
2021: €38k
2022: €101k
2023: €100k
2024: €101k
2019 → 2025
Net result
€68k▲ 8,216%
2024 · €816
2019: €-2k
2020: €-10k
2021: €40k
2022: €63k
2023: €-881
2024: €816
2019 → 2025
Total assets
€427k▲ 18.1%
2024 · €362k
2019: €9k
2020: €57k
2021: €75k
2022: €131k
2023: €351k
2024: €362k
2019 → 2025
Solvency
18.2%▼ 9.7pp
2024 · 27.9%
2019: 90.5%
2020: -3.8%
2021: 51.2%
2022: 76.9%
2023: 28.5%
2024: 27.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€101k▲ 165%€100k▼ 0.9%€101k▲ 0.8%€78k▼ 22.9%
Operating result€49k-€79k▲ 61.9%€3k▼ 96.5%€16k▲ 500%€104k▲ 536%
Net result€40k-€63k▲ 55.9%€-881€816€68k▲ 8,216%
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 2023 the operating result has climbed two years in a row; 2025 is 536% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €427k
Fixed assets
€577 ▼ 31.8%
Current assets
€426k ▲ 18.2%
Equity and liabilities €427k
Equity
€78k ▼ 22.9%
Debt
€349k ▲ 33.9%
Debt's share of the balance-sheet total rises from 72.1% to 81.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
87.2%▲
2024 · 0.8%
ROA
15.9%▲
2024 · 0.2%
Debt ≤ 1 year
€166k▲
2024 · €78k
Debt > 1 year
€183k=
2024 · €183k
Income taxes
€24k▲
2024 · €878
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€362k€427k▲
Fixed assets21/28€846€577▼
Tangible fixed assets22/27€846€577▼
Plant, machinery and equipment23€846€577▼
Current assets29/58€361k€426k▲
Stocks and contracts in progress3€276k€352k▲
Stocks30/36€273k€352k▲
Contracts in progress37€3k€0▼
Amounts receivable within one year40/41€68k€46k▼
Trade receivables40€67k€46k▼
Other amounts receivable41€629€0▼
Cash at bank and in hand54/58€17k€28k▲
Equity and liabilities
Total equity and liabilities10/49€362k€427k▲
Equity10/15€101k€78k▼
Contributions10/11€10k€10k=
Reserves13€91k€68k▼
Distributable reserves133€91k€68k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€261k€349k▲
Amounts payable after more than one year17€183k€183k=
Financial debts170/4€183k€183k=
Amounts payable within one year42/48€78k€166k▲
Trade debts44€11k€7k▼
Suppliers440/4€11k€7k▼
Taxes, remuneration and social security45€9k€23k▲
Taxes450/3€9k€23k▲
Other amounts payable47/48€57k€136k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€536€270▼
Other operating charges640/8€679€578▼
Gross operating margin9900€18k€105k▲
Operating profit (loss)9901€16k€104k▲
Financial income75/76B€6€3▼
Recurring financial income75€6€3▼
Financial charges65/66B€15k€13k▼
Recurring financial charges65€15k€13k▼
Profit (loss) for the period before taxes9903€2k€92k▲
Income taxes67/77€878€24k▲
Profit (loss) for the period9904€816€68k▲
Profit (loss) for the period to be appropriated9905€816€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€816€68k▲
Transfer from equity791/2€0€91k▲
Transfer to equity691/2€816€68k▲
To other reserves6921€816€68k▲
Profit to be distributed694/7-€91k
Return on contributions (dividend)694-€91k
The notes to these accounts (15 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €68k ▲8216%
Operating result €104k, net result €68k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €816
Net result €816 after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €101k ▲165%
2 profitable years in a row build equity to €101k.
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €40k
Net result €40k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.45
Current ratio from 0.96 to 2.45; short-term debt falls from €59k to €30k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ravels · 1 establishment unit since 2019
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.
O.L.Vrouwstraat 792380 RavelsGround area
842 m²
Building footprint
151 m²
Volume, LiDAR
1,062 m³
Parcel 13035A0077/00C006, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WLM-Reno
since 20192.297.143.013
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13035A0077/00C006 | Flanders | 842 m² | 1 · 151 m² | 9.3 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.
Similar companies · same sector, comparable size
AVIEX
BE 0444.219.121
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FACIO
BE 0699.641.204
Zwalm · Eq €77,837
AGS Trading
BE 0405.354.387
Kortrijk · Eq €77,867
DISTINGI
BE 0661.886.923
Aarschot · Eq €77,878
HARS
BE 0699.602.996
Essen · Eq €77,899
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,679 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.