WOLFS 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 €193k and a net result of €17k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 24% of 488 sector peers (fiscal year 2025). The company has been active since 1995 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 advice for your own amount and term
Signals
Four 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 24% of 488 sector peers (2025).
NBB · sector comparisonPosition among 488 sector peers
Solvency
better than 24%
← 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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
2 d early
2023
1 d early
2022
6 d early
2021
31 d early
2020
11 d early
2019
105 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€193k▲ 9.6%
2024 · €176k
2019: €95k
2020: €103k
2021: €144k
2022: €155k
2023: €168k
2024: €176k
2019 → 2025
Net result
€17k▲ 115%
2024 · €8k
2019: €71k
2020: €8k
2021: €41k
2022: €10k
2023: €13k
2024: €8k
2019 → 2025
Total assets
€1.20M▲ 18.7%
2024 · €1.01M
2019: €883k
2020: €742k
2021: €790k
2022: €1.03M
2023: €1.21M
2024: €1.01M
2019 → 2025
Solvency
16.0%▼ 1.3pp
2024 · 17.4%
2019: 10.8%
2020: 13.9%
2021: 18.3%
2022: 15.0%
2023: 13.9%
2024: 17.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€155k▲ 7.3%€168k▲ 8.7%€176k▲ 4.6%€193k▲ 9.6%
Operating result€67k-€23k▼ 65.5%€30k▲ 28.7%€30k▲ 2.3%€46k▲ 51.6%
Net result€41k-€10k▼ 74.5%€13k▲ 28.2%€8k▼ 41.8%€17k▲ 115%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 52% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€449k▲ 44.5%
Current assets
€754k▲ 7.2%
Equity and liabilities €1.20M
Equity
€193k▲ 9.6%
Debt
€1.01M▲ 20.6%
The debt ratio rises from 82.6% to 84.0%. Equity and debt are higher.
Key figures and ratios
Solvency
16.0%▼
2024 · 17.4%
ROE
8.7%▲
2024 · 4.4%
ROA
1.4%▲
2024 · 0.8%
Debt
€1.01M▲
2024 · €838k
Debt ≤ 1 year
€959k▲
2024 · €830k
Debt > 1 year
€51k▲
2024 · €8k
Income taxes
€24k▲
2024 · €21k
Staff costs
€186k▼
2024 · €198k
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€1.01M€1.20M▲
Fixed assets21/28€311k€449k▲
Intangible fixed assets21€14k€10k▼
Tangible fixed assets22/27€295k€437k▲
Plant, machinery and equipment23€45k€35k▼
Furniture and vehicles24€59k€40k▼
Other tangible fixed assets26€191k€362k▲
Financial fixed assets28€1k€1k=
Current assets29/58€703k€754k▲
Amounts receivable after more than one year29€2k€2k=
Other amounts receivable291€2k€2k=
Amounts receivable within one year40/41€427k€504k▲
Trade receivables40€426k€496k▲
Other amounts receivable41€940€8k▲
Cash at bank and in hand54/58€265k€233k▼
Deferred charges and accrued income490/1€10k€16k▲
Equity and liabilities
Total equity and liabilities10/49€1.01M€1.20M▲
Equity10/15€176k€193k▲
Contributions10/11€202k€202k=
Capital10€202k€202k=
Issued capital100€202k€202k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€-32k€-15k▲
Amounts payable17/49€838k€1.01M▲
Amounts payable after more than one year17€8k€51k▲
Financial debts170/4€8k€51k▲
Amounts payable within one year42/48€830k€959k▲
Current portion of amounts payable after more than one year42€6k€19k▲
Trade debts44€81k€136k▲
Suppliers440/4€81k€136k▲
Advances received on contracts in progress46€710k€781k▲
Taxes, remuneration and social security45€32k€23k▼
Taxes450/3€11k€5k▼
Remuneration and social security454/9€22k€18k▼
Income statement
Code20242025
Remuneration, social security and pensions62€198k€186k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€52k▼
Other operating charges640/8€52k€15k▼
Gross operating margin9900€338k€299k▼
Operating profit (loss)9901€30k€46k▲
Financial income75/76B€2k€20▼
Recurring financial income75€2k€20▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€29k€41k▲
Income taxes67/77€21k€24k▲
Profit (loss) for the period9904€8k€17k▲
Profit (loss) for the period to be appropriated9905€8k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-15k▲
Profit (loss) brought forward from the previous period14P€-40k€-32k▲
Social balance
Average headcount (FTE)908746.05.0▼
The notes to these accounts (12 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼41.8%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €150kEq €155k ▲7.3%
4 profitable years in a row build equity to €155k.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100kEq €103k ▲8.6%
2 profitable years in a row build equity to €103k.
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 105 days late
2018
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
01-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
06-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2019
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
27-06-2019
Claude WOLFS: Resigned as Director
27-06-2019
Erwin LESECQUE: Resigned as Director
27-06-2019
Stéphanie WOLFS: Resigned as Director
Location & real-estate footprint
Registered office, Dalhem · 1 establishment unit since 2008
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.
Chemin du Bois du Roi(WAR) 724608 DalhemGround area
4,311 m²
Building footprint
37 m²
Volume, LiDAR
334 m³
2 parcels, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
L'IMMOBILIERE WOLFS
since 20082.174.446.723
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62114B0159/00Z009 | Wallonia | 4,092 m² | - | - |
| 62048B0758/00R000 | Wallonia | 219 m² | 1 · 37 m² | 9.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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GARDENIA
BE 0695.729.332
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EUROCREDIT Luxembourg
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-03-1995
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
67130
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.