WOONKULTUUR
ActiveWOONKULTUUR has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €904k and a net result of €-7k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 4839 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+60
Solvency100▲+8
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 9.55 against 9.75 in 2024; short-term debt: 5.9% and cash: 6.5% of total assets), and 22.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 · 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
77.8%
Return on assets
-0.6%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-7k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
30 d late
2023
29 d late
2022
31 d late
2021
29 d late
2020
31 d late
2019
122 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-7k▲ 94.1%
2024 · €-112k
2018: €-68k
2019: €-82k
2020: €-74k
2021: €-11k
2022: €19k
2023: €-35k
2024: €-112k
2018 → 2025
Working capital
€586k▼ 20.1%
2024 · €733k
2018: €1.06M
2019: €1.02M
2020: €906k
2021: €899k
2022: €929k
2023: €818k
2024: €733k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.04M-€1.06M▲ 1.8%€1.02M▼ 3.3%€911k▼ 11.0%€904k▼ 0.7%
Operating result€-41k-€3k€-53k€-124k▼ 133%€-23k▲ 81.7%
Net result€-11k-€19k€-35k€-112k▼ 220%€-7k▲ 94.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €23k in 2025 against €124k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€508k▼ 5.3%
Current assets
€654k▼ 19.9%
Equity and liabilities €1.16M
Equity
€904k▼ 0.7%
Debt
€258k▼ 41.7%
The debt ratio falls from 32.7% to 22.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▲
2024 · €-88k
Cash flow
€28k▲
2024 · €-76k
Solvency
77.8%▲
2024 · 67.3%
Current ratio
9.55▼
2024 · 9.75
Quick ratio
1.54▼
2024 · 3.11
Debt / equity
0.29▼
2024 · 0.49
ROE
-0.7%▲
2024 · -12.3%
ROA
-0.6%▲
2024 · -8.3%
Interest coverage
11.54▲
2024 · -72.99
Debt
€258k▼
2024 · €443k
Debt ≤ 1 year
€69k▼
2024 · €84k
Debt > 1 year
€155k▼
2024 · €320k
Income taxes
€494▼
2024 · €647
Staff costs
€70k▼
2024 · €77k
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€1.35M€1.16M▼
Fixed assets21/28€536k€508k▼
Tangible fixed assets22/27€330k€302k▼
Land and buildings22€75k€65k▼
Plant, machinery and equipment23€252k€235k▼
Furniture and vehicles24€3k€1k▼
Financial fixed assets28€206k€206k=
Current assets29/58€817k€654k▼
Amounts receivable after more than one year29€16k€12k▼
Other amounts receivable291€16k€12k▼
Stocks and contracts in progress3€557k€549k▼
Stocks30/36€557k€549k▼
Amounts receivable within one year40/41€17k€18k▲
Trade receivables40€15k€16k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€228k€76k▼
Deferred charges and accrued income490/1-€170
Equity and liabilities
Total equity and liabilities10/49€1.35M€1.16M▼
Equity10/15€911k€904k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€31k€31k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€818k€811k▼
Amounts payable17/49€443k€258k▼
Amounts payable after more than one year17€320k€155k▼
Financial debts170/4€320k€155k▼
Amounts payable within one year42/48€84k€69k▼
Trade debts44€19k€18k▼
Suppliers440/4€19k€18k▼
Taxes, remuneration and social security45€42k€28k▼
Taxes450/3€42k€28k▼
Other amounts payable47/48€23k€22k▼
Accrued charges and deferred income492/3€40k€35k▼
Income statement
Code20242025
Remuneration, social security and pensions62€77k€70k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€35k▼
Other operating charges640/8€13k€12k▼
Gross operating margin9900€2k€95k▲
Operating profit (loss)9901€-124k€-23k▲
Financial income75/76B€14k€18k▲
Recurring financial income75€7k€11k▲
Non-recurring financial income76B€7k€7k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-111k€-6k▲
Income taxes67/77€647€494▼
Profit (loss) for the period9904€-112k€-7k▲
Profit (loss) for the period to be appropriated9905€-112k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€818k€811k▼
Profit (loss) brought forward from the previous period14P€930k€818k▼
Social balance
Average headcount (FTE)90871.91.9=
The notes to these accounts (10 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-12
Financial
Weakest financial yearnet €-112k
Net result drops to €-112k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Back to profitnet €19k
Net result €19k after 4 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 25.23
Current ratio from 9.59 to 25.23; short-term debt falls from €105k to €38k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
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, Lanaken · 1 establishment unit since 1992
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.
Industrieweg 173620 LanakenGround area
6,264 m²
Building footprint
1,935 m²
Volume, LiDAR
10,561 m³
Parcel 73042B0407/00G000, Flanders · tallest building 17.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WOONKULTUUR NV
since 19922.057.845.892
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042B0407/00G000 | Flanders | 6,264 m² | 1 · 1,935 m² | 17.5 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
Roelens
BE 0404.272.739
Temse · Eq €914k
FORMA
BE 0430.728.104
Leuven · Eq €925k
BELLEGARDE
BE 0422.968.104
Middelkerke · Eq €930k
Metalogalva Belux
BE 0403.138.136
Oudergem · Eq €939k
I.M. WILLEMS
BE 0458.092.792
Eeklo · Eq €869k
Of 679 companies in sector 46494 we hold annual accounts for 530. 382 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-06-1992
Fiscal year end31-12
Activities, NACEBEL
46494Wholesale of non-electrical household articles
51471
47551Retail sale of household furniture
47591Retail trade
52441
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.