Summary
Woverto 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 €855k and a net result of €48k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 2444 sector peers (fiscal year 2025). The company has been active since 2012 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
46 d early
2022
34 d early
2021
9 d early
2020
17 d early
2019
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€855k▲ 5.8%
2024 · €808k
Net result
€48k▲ 6.6%
2024 · €45k
Total assets
€1.26M▲ 5.2%
2024 · €1.20M
Solvency
67.9%▲ 0.4pp
2024 · 67.5%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€15k▼ 91.0%€-19k€41k€77k▲ 89.8%€83k▲ 8.0%
Net result€6k▼ 95.3%€-30k€25k€45k▲ 80.7%€48k▲ 6.6%
Equity€547k▲ 0.9%€517k▼ 5.4%€541k▲ 4.6%€808k▲ 49.3%€855k▲ 5.8%
Total assets€891k▲ 7.5%€859k▼ 3.6%€901k▲ 4.8%€1.20M▲ 32.8%€1.26M▲ 5.2%
Debt€332k▲ 15.6%€330k▼ 0.6%€348k▲ 5.3%€377k▲ 8.4%€392k▲ 4.0%
Working capital€80k▼ 39.8%€-218k€-181k▲ 17.2%€-113k▲ 37.2%€193k
Solvency61.4%▼ 4.0pp60.2%▼ 1.2pp60.1%▼ 0.1pp67.5%▲ 7.4pp67.9%▲ 0.4pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.26M
Fixed assets
€1.01M ▲ 5.8%
Current assets
€245k ▲ 2.6%
Equity and liabilities €1.26M
Equity
€855k ▲ 5.8%
Provisions
€12k =
Debt
€392k ▲ 4.0%
Debt's share of the balance-sheet total falls from 31.5% to 31.1%. Equity and debt are higher.
Key figures and ratios
ROE
5.6%▲
2024 · 5.5%
ROA
3.8%▲
2024 · 3.7%
Debt ≤ 1 year
€52k▼
2024 · €352k
Debt > 1 year
€300k
Income taxes
€24k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53k | €70k | €28k | €21k | €31k | ▲ 49.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €3k | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €12k | - | - | - | - | - |
| Other operating charges640/8 | €2k | €2k | €1k | €4k | €3k | ▼ 32.2% |
| Gross operating margin9900 | €82k | €52k | €70k | €102k | €120k | ▲ 18.1% |
| Operating profit (loss)9901 | €15k | €-19k | €41k | €77k | €83k | ▲ 8.0% |
| Financial income75/76B | €132 | €526 | €111 | €4k | €3k | ▼ 8.0% |
| Recurring financial income75 | €132 | €526 | €61 | €4k | €3k | ▼ 8.0% |
| Non-recurring financial income76B | - | - | €50 | - | - | - |
| Financial charges65/66B | €9k | €10k | €16k | €25k | €15k | ▼ 38.2% |
| Recurring financial charges65 | €9k | €10k | €16k | €25k | €15k | ▼ 38.2% |
| Non-recurring financial charges66B | - | - | €58 | - | - | - |
| Profit (loss) for the period before taxes9903 | €6k | €-29k | €25k | €56k | €71k | ▲ 27.2% |
| Income taxes67/77 | €530 | €251 | €285 | €11k | €24k | ▲ 109% |
| Profit (loss) for the period9904 | €6k | €-30k | €25k | €45k | €48k | ▲ 6.6% |
| Profit (loss) for the period to be appropriated9905 | €6k | €-30k | €25k | €45k | €48k | ▲ 6.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €891k | €859k | €901k | €1.20M | €1.26M | ▲ 5.2% |
| Fixed assets21/28 | €488k | €758k | €750k | €958k | €1.01M | ▲ 5.8% |
| Tangible fixed assets22/27 | €486k | €756k | €748k | €956k | €1.01M | ▲ 5.8% |
| Land and buildings22 | €486k | €756k | €748k | €951k | €1.01M | ▲ 5.7% |
| Plant, machinery and equipment23 | - | - | - | €4k | €6k | ▲ 41.2% |
| Furniture and vehicles24 | €14 | - | - | €2k | €1k | ▼ 24.8% |
| Financial fixed assets28 | €2k | €2k | €2k | €2k | €2k | = |
| Current assets29/58 | €403k | €102k | €151k | €239k | €245k | ▲ 2.6% |
| Amounts receivable within one year40/41 | €35k | €25k | €30k | €26k | €25k | ▼ 6.1% |
| Trade receivables40 | €35k | €25k | €30k | €26k | €25k | ▼ 6.1% |
| Current investments50/53 | €31k | - | - | €110k | €110k | = |
| Cash at bank and in hand54/58 | €325k | €64k | €113k | €95k | €105k | ▲ 10.8% |
| Deferred charges and accrued income490/1 | €12k | €13k | €8k | €7k | €5k | ▼ 35.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €891k | €859k | €901k | €1.20M | €1.26M | ▲ 5.2% |
| Equity10/15 | €547k | €517k | €541k | €808k | €855k | ▲ 5.8% |
| Contributions10/11 | €6k | €6k | €6k | €229k | €229k | = |
| Reserves13 | €541k | €541k | €541k | €579k | €626k | ▲ 8.1% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €0 | - | - |
| Tax-exempt reserves132 | €19k | €19k | €19k | €19k | €19k | = |
| Distributable reserves133 | €520k | €520k | €520k | €560k | €607k | ▲ 8.4% |
| Profit (loss) carried forward14 | - | €-30k | €-6k | €0 | €0 | - |
| Provisions and deferred taxes16 | €12k | €12k | €12k | €12k | €12k | = |
| Provisions for liabilities and charges160/5 | €12k | €12k | €12k | €12k | €12k | = |
| Other liabilities and charges164/5 | €12k | €12k | €12k | €12k | €12k | = |
| Amounts payable17/49 | €332k | €330k | €348k | €377k | €392k | ▲ 4.0% |
| Amounts payable after more than one year17 | - | - | - | - | €300k | - |
| Other amounts payable178/9 | - | - | - | - | €300k | - |
| Amounts payable within one year42/48 | €323k | €320k | €332k | €352k | €52k | ▼ 85.3% |
| Trade debts44 | - | €10k | €4k | €10k | €1k | ▼ 85.2% |
| Suppliers440/4 | - | €10k | €4k | €10k | €1k | ▼ 85.2% |
| Taxes, remuneration and social security45 | €510 | €229 | €289 | €378 | €2k | ▲ 525% |
| Taxes450/3 | €510 | €229 | €289 | €378 | €2k | ▲ 525% |
| Other amounts payable47/48 | €323k | €310k | €327k | €342k | €48k | ▼ 86.0% |
| Accrued charges and deferred income492/3 | €9k | €10k | €16k | €25k | €40k | ▲ 61.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6k | €-30k | €25k | €45k | €48k | ▲ 6.6% |
| + Depreciation and write-downs630 | €53k | €70k | €28k | €21k | €31k | ▲ 49.9% |
| Operating cash flow (approximation) | €58k | €40k | €53k | €66k | €79k | ▲ 20.3% |
| Investment in fixed assets (approximation) | - | €-340k | €-20k | €-229k | €-87k | ▲ 62.1% |
| Change in cash | - | €-261k | €49k | €-18k | €10k | ▲ 156% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity times 7current ratio 4.72
Current ratio from 0.68 to 4.72; short-term debt falls from €352k to €52k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €500kEq €542k ▲17.5%
3 profitable years in a row build equity to €542k.
08-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Highest result since 2018net €132k ▲12.6%
Operating result €175k, net result €132k, both a record.
Show earlier events
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Londerzeel · 1 establishment unit since 2012
Ground area
1,824 m²
Building footprint
202 m²
Volume, LiDAR
1,047 m³
Parcel 23048E0487/00H000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Woverto
since 20122.213.070.143
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23048E0487/00H000 | Flanders | 1,824 m² | 1 · 202 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,219. 2,283 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-04-2012
Fiscal year end30-09
Activities, NACEBEL 2025
66220Insurance agents and brokers
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.