WOBA BUILD
ActiveThe computed 12-month bankruptcy probability of WOBA BUILD is 1.6% (moderate). The 2025 annual accounts show equity of €729k and a net result of €189k. Equity is growing by ~36.9% per year across the filed fiscal years. Its solvency ranks better than 36% of 2176 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+1
Solvency50▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.86 in 2024; short-term debt: 25% and cash: 11.5% of total assets), and 74.5% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Sector 41
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
25.5%
Return on assets
6.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 5 filingsDeviation from the deadline
2025
26 d late
2024
61 d late
2023
133 d late
2022
92 d late
2021
31 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€729k▲ 34.9%
2024 · €540k
2021: €177k
2022: €632k
2023: €877k
2024: €540k
2021 → 2025
Total assets
€2.86M▲ 0.9%
2024 · €2.84M
2021: €716k
2022: €2.40M
2023: €2.66M
2024: €2.84M
2021 → 2025
Net result
€189k▲ 15.8%
2024 · €163k
2021: €167k
2022: €455k
2023: €245k
2024: €163k
2021 → 2025
Working capital
€46k
2024 · €-108k
2021: €160k
2022: €487k
2023: €391k
2024: €-108k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€177k-€632k▲ 257%€877k▲ 38.8%€540k▼ 38.4%€729k▲ 34.9%
Operating result€192k-€545k▲ 185%€360k▼ 33.9%€267k▼ 25.8%€302k▲ 13.0%
Net result€167k-€455k▲ 173%€245k▼ 46.1%€163k▼ 33.6%€189k▲ 15.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.86M
Fixed assets
€2.10M▼ 3.3%
Current assets
€760k▲ 14.3%
Equity and liabilities €2.86M
Equity
€729k▲ 34.9%
Debt
€2.13M▼ 7.1%
The debt ratio falls from 81.0% to 74.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€421k▲
2024 · €383k
Cash flow
€308k▲
2024 · €279k
Solvency
25.5%▲
2024 · 19.0%
Current ratio
1.06▲
2024 · 0.86
Quick ratio
1.06▲
2024 · 0.86
Debt / equity
2.93▼
2024 · 4.25
ROE
25.9%▼
2024 · 30.2%
ROA
6.6%▲
2024 · 5.7%
Interest coverage
8.95▲
2024 · 7.24
Debt
€2.13M▼
2024 · €2.30M
Debt ≤ 1 year
€715k▼
2024 · €773k
Debt > 1 year
€1.42M▼
2024 · €1.52M
Income taxes
€68k▲
2024 · €52k
Staff costs
€-20▼
2024 · €34k
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€2.84M€2.86M▲
Fixed assets21/28€2.17M€2.10M▼
Tangible fixed assets22/27€2.16M€2.09M▼
Land and buildings22€2.02M€1.96M▼
Plant, machinery and equipment23€48k€43k▼
Furniture and vehicles24€7k€12k▲
Leasing and similar rights25€85k€72k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€11k€11k=
Current assets29/58€665k€760k▲
Amounts receivable within one year40/41€276k€425k▲
Trade receivables40€205k€425k▲
Other amounts receivable41€71k€0▼
Cash at bank and in hand54/58€389k€329k▼
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€2.84M€2.86M▲
Equity10/15€540k€729k▲
Contributions10/11€10k€10k=
Reserves13€530k€719k▲
Distributable reserves133€530k€719k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€2.30M€2.13M▼
Amounts payable after more than one year17€1.52M€1.42M▼
Financial debts170/4€1.52M€1.42M▼
Amounts payable within one year42/48€773k€715k▼
Current portion of amounts payable after more than one year42€103k€106k▲
Trade debts44€182k€198k▲
Suppliers440/4€182k€198k▲
Taxes, remuneration and social security45€88k€53k▼
Taxes450/3€88k€53k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€400k€358k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€34k€-20▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€116k€119k▲
Other operating charges640/8€16k€8k▼
Gross operating margin9900€433k€429k▼
Operating profit (loss)9901€267k€302k▲
Financial income75/76B€63€2k▲
Recurring financial income75€63€2k▲
Financial charges65/66B€53k€47k▼
Recurring financial charges65€53k€47k▼
Profit (loss) for the period before taxes9903€215k€257k▲
Income taxes67/77€52k€68k▲
Profit (loss) for the period9904€163k€189k▲
Profit (loss) for the period to be appropriated9905€163k€189k▲
Appropriation of the result
Profit (loss) to be appropriated9906€163k€189k▲
Transfer from equity791/2€500k€0▼
Transfer to equity691/2€163k€189k▲
To other reserves6921€163k€189k▲
Profit to be distributed694/7€500k€0▼
Return on contributions (dividend)694€500k€0▼
The notes to these accounts (16 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €163k ▼33.6%
Net result drops to €163k, the lowest in the series; recovery starts the following year.
11-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 133 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 92 days late
2022
31-12
Financial
Highest result since 2021net €455k ▲173%
Operating result €545k, net result €455k, both a record.
31-12
Financial
Equity above €500kEq €632k ▲257%
2 profitable years in a row build equity to €632k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
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, Buggenhout · 1 establishment unit since 2020
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.
Kamerstraat 1159255 BuggenhoutGround area
390 m²
Building footprint
108 m²
Volume, LiDAR
636 m³
Parcel 42004A0190/00X000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kamerstraat 115, 9255 Buggenhout
since 20202.302.002.020
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42004A0190/00X000 | Flanders | 390 m² | 1 · 108 m² | 8.0 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.
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Of 2,452 companies in sector 41003 we hold annual accounts for 1,055. 571 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-05-2020
Fiscal year end31-12
Activities, NACEBEL
41003General construction of other non-residential buildings
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
42990Civil engineering
43110Demolition
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.