WM BUILDING SOLUTIONS
ActiveWM BUILDING SOLUTIONS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €289k and a net result of €46k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 8002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+15
Solvency76▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 1.59 in 2024; short-term debt: 43% and cash: 0.3% of total assets), and 49% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
51%
Return on assets
8.1%
Age of the figures
12 mo
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
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
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 20-03-2026, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
41 d early
2024
47 d early
2023
60 d early
2022
58 d early
2021
43 d early
2020
23 d early
2019
15 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€289k▲ 19.0%
2024 · €243k
2018: €56k
2019: €63k
2020: €88k
2021: €123k
2022: €187k
2023: €223k
2024: €243k
2018 → 2025
Total assets
€567k▼ 0.2%
2024 · €568k
2018: €389k
2019: €543k
2020: €516k
2021: €684k
2022: €667k
2023: €577k
2024: €568k
2018 → 2025
Net result
€46k▲ 134%
2024 · €20k
2018: €10k
2019: €7k
2020: €25k
2021: €34k
2022: €65k
2023: €36k
2024: €20k
2018 → 2025
Working capital
€216k▲ 30.8%
2024 · €165k
2018: €8k
2019: €-6k
2020: €20k
2021: €49k
2022: €83k
2023: €129k
2024: €165k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€187k▲ 52.7%€223k▲ 19.2%€243k▲ 8.8%€289k▲ 19.0%
Operating result€53k-€69k▲ 29.9%€52k▼ 25.4%€25k▼ 51.9%€64k▲ 159%
Net result€34k-€65k▲ 88.2%€36k▼ 44.4%€20k▼ 45.2%€46k▲ 134%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 159% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €567k
Fixed assets
€107k▼ 13.9%
Current assets
€460k▲ 3.7%
Equity and liabilities €567k
Equity
€289k▲ 19.0%
Debt
€278k▼ 14.5%
The debt ratio falls from 57.2% to 49.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▲
2024 · €53k
Cash flow
€76k▲
2024 · €48k
Solvency
51.0%▲
2024 · 42.8%
Current ratio
1.89▲
2024 · 1.59
Quick ratio
0.24▲
2024 · 0.21
Debt / equity
0.96▼
2024 · 1.34
ROE
15.9%▲
2024 · 8.1%
ROA
8.1%▲
2024 · 3.5%
Interest coverage
8.53▲
2024 · 4.88
Debt
€278k▼
2024 · €325k
Debt ≤ 1 year
€244k▼
2024 · €278k
Debt > 1 year
€34k▼
2024 · €47k
Income taxes
€12k▲
2024 · €8k
Staff costs
€63k▼
2024 · €74k
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€568k€567k▼
Fixed assets21/28€124k€107k▼
Tangible fixed assets22/27€124k€107k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€107k€97k▼
Furniture and vehicles24€14k€8k▼
Current assets29/58€444k€460k▲
Stocks and contracts in progress3€385k€400k▲
Stocks30/36€385k€400k▲
Amounts receivable within one year40/41€56k€58k▲
Trade receivables40€48k€54k▲
Other amounts receivable41€8k€4k▼
Cash at bank and in hand54/58€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€568k€567k▼
Equity10/15€243k€289k▲
Contributions10/11€14k€14k=
Profit (loss) carried forward14€229k€275k▲
Amounts payable17/49€325k€278k▼
Amounts payable after more than one year17€47k€34k▼
Financial debts170/4€47k€34k▼
Amounts payable within one year42/48€278k€244k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Financial debts43€105k€103k▼
Other loans439€105k€103k▼
Trade debts44€146k€116k▼
Suppliers440/4€146k€116k▼
Taxes, remuneration and social security45€9k€11k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€7k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€74k€63k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€30k▲
Other operating charges640/8€39k€11k▼
Gross operating margin9900€167k€169k▲
Operating profit (loss)9901€25k€64k▲
Financial income75/76B€14k€4k▼
Recurring financial income75€14k€4k▼
Financial charges65/66B€11k€11k▲
Recurring financial charges65€11k€11k▲
Profit (loss) for the period before taxes9903€28k€58k▲
Income taxes67/77€8k€12k▲
Profit (loss) for the period9904€20k€46k▲
Profit (loss) for the period to be appropriated9905€20k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€229k€275k▲
Profit (loss) brought forward from the previous period14P€209k€229k▲
Social balance
Average headcount (FTE)90871.51.2▼
The notes to these accounts (7 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €200kEq €223k ▲19.2%
6 profitable years in a row build equity to €223k.
03-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €65k ▲88.2%
Operating result €69k, net result €65k, both a record.
30-09
Financial
Equity above €150kEq €187k ▲52.7%
5 profitable years in a row build equity to €187k.
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €100kEq €123k ▲38.9%
4 profitable years in a row build equity to €123k.
07-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 15 days late
2019
30-09
Financial
Weakest financial yearnet €7k ▼34.6%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
21-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Heers · 1 establishment unit since 2014
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.
Steenweg(H.) 1623870 HeersGround area
216 m²
Parcel 73022D0104/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
WM Building Solutions
since 20142.235.638.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73022D0104/00C000 | Flanders | 216 m² | - | - |
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
2022 · 1 entry · 286 EUR awarded · 286 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 286 EUR | 286 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,803 companies in sector 46831 we hold annual accounts for 1,397. 993 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2014
Fiscal year end30-09
Activities, NACEBEL
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.