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WOJAC

Active
Private limited company (pre-2019)founded 200818 yrs activeDe Pont 26, 2970 Schilde, BelgiumKBO/BCE: BE 0894.857.959

WOJAC has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €57k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 77% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
86 / 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+16
Solvency100▲+3
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 1.66 in 2024; short-term debt: 7% of total assets), and 21.5% 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 riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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 2025
Solvency, return and age of the figures
Solvency
78.5%
Return on assets
4.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 18 years 0 20 y
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
7 d early
2024
2 d early
2023
1 d early
2022
34 d early
2021
59 d late
2020
25 d early
2019
11 d early
← 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 months
Position in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€1.09M▲ 5.5%
2024 · €1.03M
2018: €1.14M 2019: €1.12M 2020: €1.11M 2021: €1.09M 2022: €1.07M 2023: €1.06M 2024: €1.03M
2018 → 2025
Total assets
€1.38M▼ 3.0%
2024 · €1.43M
2018: €1.39M 2019: €1.36M 2020: €1.36M 2021: €1.37M 2022: €1.37M 2023: €1.38M 2024: €1.43M
2018 → 2025
Net result
€57k
2024 · €-30k
2018: €-16k 2019: €-25k 2020: €-10k 2021: €-17k 2022: €-16k 2023: €-14k 2024: €-30k
2018 → 2025
Working capital
€88k▼ 2.8%
2024 · €91k
2018: €162k 2019: €126k 2020: €125k 2021: €101k 2022: €96k 2023: €94k 2024: €91k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€1.09M-€1.07M▼ 1.5%€1.06M▼ 1.3%€1.03M▼ 2.9%€1.09M▲ 5.5%
Operating result€-13k-€-11k▲ 12.3%€-9k▲ 18.2%€-10k▼ 11.1%€-3k▲ 75.6%
Net result€-17k-€-16k▲ 8.9%€-14k▲ 11.6%€-30k▼ 117%€57k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-50k€-25k€0€25k€50kOperating result 2021: €-13k€-13kNet result 2021: €-17k€-17kOperating result 2022: €-11k€-11kNet result 2022: €-16k€-16kOperating result 2023: €-9k€-9kNet result 2023: €-14k€-14kOperating result 2024: €-10k€-10kNet result 2024: €-30k€-30kOperating result 2025: €-3k€-3kNet result 2025: €57k€57k20212022202320242025
The operating result stays negative: a loss of €3k in 2025 against €10k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets €1.20M=
Current assets €185k▼ 18.6%
Equity and liabilities €1.38M
Equity €1.09M▲ 5.5%
Debt €297k▼ 25.1%
The debt ratio falls from 27.8% to 21.5%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
Solvency
78.5%
2024 · 72.2%
Current ratio
1.91
2024 · 1.66
Quick ratio
1.91
2024 · 1.66
Debt / equity
0.27
2024 · 0.38
ROE
5.2%
2024 · -3.0%
ROA
4.1%
2024 · -2.1%
Debt
€297k
2024 · €396k
Debt ≤ 1 year
€97k
2024 · €137k
Debt > 1 year
€200k=
2024 · €200k
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€1.43M€1.38M
Fixed assets21/28€1.20M€1.20M=
Financial fixed assets28€1.20M€1.20M=
Current assets29/58€227k€185k
Amounts receivable after more than one year29€185k€185k=
Other amounts receivable291€185k€185k=
Cash at bank and in hand54/58€42k-
Equity and liabilities
Total equity and liabilities10/49€1.43M€1.38M
Equity10/15€1.03M€1.09M
Contributions10/11€1.65M€1.65M=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Profit (loss) carried forward14€-625k€-568k
Amounts payable17/49€396k€297k
Amounts payable after more than one year17€200k€200k=
Other amounts payable178/9€200k€200k=
Amounts payable within one year42/48€137k€97k
Other amounts payable47/48€137k€97k
Accrued charges and deferred income492/3€60k-
Income statement Code20242025
Other operating charges640/8€118-
Gross operating margin9900€-10k€-3k
Operating profit (loss)9901€-10k€-3k
Financial income75/76B€7k€60k
Recurring financial income75€7k€60k
Financial charges65/66B€27k€188
Recurring financial charges65€27k€188
Profit (loss) for the period before taxes9903€-30k€57k
Profit (loss) for the period9904€-30k€57k
Profit (loss) for the period to be appropriated9905€-30k€57k
Appropriation of the result
Profit (loss) to be appropriated9906€-625k€-568k
Profit (loss) brought forward from the previous period14P€-595k€-625k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Back to profitnet €57k
Net result €57k after 7 loss-making years.
29-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
30-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-09
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 59 days late
2021
06-07
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
22-07
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-07
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
2 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, Schilde · 1 establishment unit since 2008
establishment The establishment unit on the map
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.

De Pont 262970 Schilde
Ground area
1.0 ha
Building footprint
500 m²
Volume, LiDAR
2,879 m³
Parcel 11922C0294/00H000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WOJAC
De Pont 26, 2970 SchildeFinancial service activities, except insurance and pension funding
since 20082.168.081.642
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11922C0294/00H000 Flanders 1.0 ha 1 · 500 m² 10.6 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

Of 24,501 companies in sector 82990 we hold annual accounts for 9,402. 4,382 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company (pre-2019)
Founded08-01-2008
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.