WORK.S · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of WORK.S is 0.7% (low). The 2025 annual accounts show equity of €78k and a net result of €78k. Its solvency ranks better than 76% of 444 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 76% of 444 peers (2025). A comfortable equity buffer.

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-02-2026, 20 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.

How we compute the deadline

There is a single filed set of accounts, closing on 30-06. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	20-02-2026	20 d late	2026-00041107

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2023, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.7% Low

0%0,5%1,5%4%10%≥25%

Young company +Lower-failure-rate sector −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (micro schema)

EBIT marginNot published (micro schema)

Net result€78k

Working capital€56k

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 20-02-2026 with the NBB · fiscal year 2025 · micro

Sector comparison

Fiscal year 2025 · NACE 74 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	78.4%	54.1%	better than 76% of 444 sector peers
Net result	€78k	€15k	better than 90% of 444 sector peers
Equity	€78k	€38k	better than 70% of 444 sector peers
Gross operating margin	€129k	€32k	better than 90% of 444 sector peers
Staff costs	€3k	€35k	higher than 35% of 55 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€109k
Net profit	€78k
Cash flow	€108k
Staff costs	€3k
Income taxes	-
Dividends	-
Total assets	€100k
Equity	€78k
Debt	€22k
of which ≤ 1y	€22k
of which > 1y	-
Working capital	€56k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	3.60
Quick ratio	3.60
Working capital ratio	56.1%
Solvency	78.4%
Debt / equity	0.28
Long-term debt ratio	-
Interest coverage	631.96
Gross margin	-
Net margin	-
ROA	78.4%
ROE	100.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €22k · 22.3% Current assets €78k · 77.7%

Equity & liabilities

Equity €78k · 78.4% Debt €22k · 21.6%

Full annual accounts (19 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€100k
Fixed assets	21/28	€22k
Intangible fixed assets	21	€13k
Tangible fixed assets	22/27	€9k
Current assets	29/58	€78k
Amounts receivable within one year	40/41	€21k
Cash & bank	54/58	€57k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€100k
Equity	10/15	€78k
Accumulated profits (losses)	14	€78k
Amounts payable	17/49	€22k
Amounts payable within one year	42/48	€22k
Trade debts payable within one year	44	€5k
Income statement
Gross operating margin	9900	€129k
Operating result	9901	€78k
Financial charges	65	€172
Result before taxes	9903	€78k
Net result for the period	9904	€78k
Result to be appropriated	9905	€78k

Ratios computed by Checked.

Health barometer

FY 2025 · computed

93 / 100 Excellent

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

WORK.S

Park Ter Heide 29, 3271 Scherpenheuvel-ZichemOverige grafische activiteiten n.e.g.

since 20232.347.991.007

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area541 m²

Buildings1

Building footprint124 m²

Volume (LiDAR)658 m³

Tallest building7.0 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)