WOPACO 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 €46.90M and a net result of €142k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 2389 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
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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
31 d early
2024
61 d late
2023
61 d late
2022
140 d late
2021
44 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 monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, consolidated, statutory
Equity
€46.90M▲ 0.3%
2024 · €46.76M
2021: €37.58M
2022: €43.73M
2023: €46.51M
2024: €46.76M
2021 → 2025
Net result
€142k▼ 42.8%
2024 · €248k
2021: €17.57M
2022: €56k
2023: €183k
2024: €248k
2021 → 2025
Total assets
€47.19M▲ 0.7%
2024 · €46.84M
2021: €37.66M
2022: €43.91M
2023: €46.56M
2024: €46.84M
2021 → 2025
Solvency
99.4%▼ 0.4pp
2024 · 99.8%
2021: 99.8%
2022: 99.6%
2023: 99.9%
2024: 99.8%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€625k-€801k▲ 28.2%€1.04M▲ 30.1%€1.21M▲ 15.9%€1.31M▲ 8.3%
Equity€37.58M-€43.73M▲ 16.3%€46.51M▲ 6.4%€46.76M▲ 0.5%€46.90M▲ 0.3%
Operating result€-217k-€17k€105k▲ 534%€198k▲ 88.7%€63k▼ 67.9%
Net result€17.57M-€56k▼ 99.7%€183k▲ 229%€248k▲ 35.1%€142k▼ 42.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47.19M
Fixed assets
€42.42M=
Current assets
€4.77M▲ 7.9%
Equity and liabilities €47.19M
Equity
€46.90M▲ 0.3%
Debt
€296k▲ 242%
The debt ratio rises from 0.2% to 0.6%. Equity and debt are higher.
Key figures and ratios
Solvency
99.4%▼
2024 · 99.8%
ROE
0.3%▼
2024 · 0.5%
ROA
0.3%▼
2024 · 0.5%
Debt
€296k▲
2024 · €87k
Debt ≤ 1 year
€296k▲
2024 · €87k
Income taxes
€52k▼
2024 · €69k
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€46.84M€47.19M▲
Fixed assets21/28€42.42M€42.42M=
Intangible fixed assets21€4k€3k▼
Financial fixed assets28€42.42M€42.42M=
Affiliated companies280/1€42.42M€42.42M=
Participating interests280€42.42M€42.42M=
Current assets29/58€4.42M€4.77M▲
Amounts receivable within one year40/41€3.53M€4.12M▲
Trade receivables40-€8k
Other amounts receivable41€3.53M€4.11M▲
Cash at bank and in hand54/58€891k€649k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€46.84M€47.19M▲
Equity10/15€46.76M€46.90M▲
Contributions10/11€28.70M€28.70M=
Reserves13€17.62M€17.62M=
Distributable reserves133€17.62M€17.62M=
Profit (loss) carried forward14€431k€573k▲
Amounts payable17/49€87k€296k▲
Amounts payable within one year42/48€87k€296k▲
Trade debts44€70k€217k▲
Suppliers440/4€70k€217k▲
Taxes, remuneration and social security45€16k€78k▲
Taxes450/3€16k€78k▲
Income statement
Code20242025
Operating income70/76A€1.21M€1.32M▲
Turnover70€1.21M€1.31M▲
Other operating income74-€7k
Operating charges60/66A€1.01M€1.25M▲
Services and other goods61€1.01M€1.25M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€220€381▲
Other operating charges640/8€126€992▲
Operating profit (loss)9901€198k€63k▼
Financial income75/76B€119k€130k▲
Recurring financial income75€119k€130k▲
Income from current assets751€119k€130k▲
Financial charges65/66B€289€511▲
Recurring financial charges65€289€511▲
Other financial charges652/9€289€511▲
Profit (loss) for the period before taxes9903€317k€193k▼
Income taxes67/77€69k€52k▼
Taxes670/3€69k€52k▼
Profit (loss) for the period9904€248k€142k▼
Profit (loss) for the period to be appropriated9905€248k€142k▼
Appropriation of the result
Profit (loss) to be appropriated9906€431k€573k▲
Profit (loss) brought forward from the previous period14P€183k€431k▲
The notes to these accounts (21 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 140 days late
2022
31-12
Financial
Weakest financial yearnet €56k ▼99.7%
Net result drops to €56k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 8current ratio 42.91
Current ratio from 5.71 to 42.91.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Izegem · 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.
Ambachtenstraat 238870 IzegemGround area
1.4 ha
Building footprint
6,286 m²
Volume, LiDAR
71,542 m³
Parcel 36494E1337/00M000, Flanders · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Ambachtenstraat 23, 8870 Izegem
since 20202.308.057.986
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494E1337/00M000 | Flanders | 1.4 ha | 1 · 6,286 m² | 13.9 m · 4 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 172 EUR awarded · 172 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 172 EUR | 172 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 2,809 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.