WoVi
ActiveThe computed 12-month bankruptcy probability of WoVi is 2.6% (moderate). The 2025 annual accounts show equity of €51k and a net result of €46k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 15% of 27711 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
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+11
Solvency36▼-18
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.75 against 1.77 in 2024; short-term debt: 35.7% and cash: 5.8% of total assets), and 88.9% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
11.1%
Return on assets
10%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 6 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
64 d early
2022
32 d early
2021
60 d early
2020
73 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 63.3%
2024 · €140k
2020: €34k
2021: €76k
2022: €127k
2023: €157k
2024: €140k
2020 → 2025
Total assets
€461k▼ 2.8%
2024 · €474k
2020: €56k
2021: €453k
2022: €497k
2023: €502k
2024: €474k
2020 → 2025
Net result
€46k▲ 665%
2024 · €6k
2020: €29k
2021: €42k
2022: €51k
2023: €59k
2024: €6k
2020 → 2025
Working capital
€-41k
2024 · €51k
2020: €29k
2021: €14k
2022: €59k
2023: €77k
2024: €51k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€127k▲ 67.4%€157k▲ 23.6%€140k▼ 11.1%€51k▼ 63.3%
Operating result€51k-€67k▲ 32.3%€78k▲ 16.1%€14k▼ 82.6%€70k▲ 414%
Net result€42k-€51k▲ 22.2%€59k▲ 16.1%€6k▼ 89.8%€46k▲ 665%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 414% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €461k
Fixed assets
€338k▼ 5.1%
Current assets
€123k▲ 4.2%
Equity and liabilities €461k
Equity
€51k▼ 63.3%
Debt
€410k▲ 22.5%
The debt ratio rises from 70.6% to 88.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€94k▲
2024 · €37k
Cash flow
€70k▲
2024 · €29k
Solvency
11.1%▼
2024 · 29.4%
Current ratio
0.75▼
2024 · 1.77
Quick ratio
0.40▼
2024 · 1.16
Debt / equity
8.00▲
2024 · 2.40
ROE
90.2%▲
2024 · 4.3%
ROA
10.0%▲
2024 · 1.3%
Interest coverage
18.10▲
2024 · 6.72
Debt
€410k▲
2024 · €335k
Debt ≤ 1 year
€165k▲
2024 · €67k
Debt > 1 year
€245k▼
2024 · €268k
Income taxes
€22k▲
2024 · €5k
Staff costs
€47k▲
2024 · €20k
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€474k€461k▼
Fixed assets21/28€356k€338k▼
Tangible fixed assets22/27€356k€338k▼
Land and buildings22€325k€315k▼
Plant, machinery and equipment23€1k€6k▲
Furniture and vehicles24€23k€12k▼
Other tangible fixed assets26€6k€6k▼
Current assets29/58€118k€123k▲
Stocks and contracts in progress3€41k€57k▲
Stocks30/36€41k€57k▲
Amounts receivable within one year40/41€56k€37k▼
Trade receivables40€32k€36k▲
Other amounts receivable41€24k€1k▼
Cash at bank and in hand54/58€20k€27k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€474k€461k▼
Equity10/15€140k€51k▼
Contributions10/11€5k€5k=
Reserves13€135k€46k▼
Distributable reserves133€135k€46k▼
Amounts payable17/49€335k€410k▲
Amounts payable after more than one year17€268k€245k▼
Financial debts170/4€268k€245k▼
Amounts payable within one year42/48€67k€165k▲
Current portion of amounts payable after more than one year42€23k€26k▲
Trade debts44€29k€8k▼
Suppliers440/4€29k€8k▼
Taxes, remuneration and social security45€8k€26k▲
Taxes450/3€6k€26k▲
Remuneration and social security454/9€1k€11▼
Other amounts payable47/48€8k€105k▲
Income statement
Code20242025
Remuneration, social security and pensions62€20k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€61k€145k▲
Operating profit (loss)9901€14k€70k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€11k€68k▲
Income taxes67/77€5k€22k▲
Profit (loss) for the period9904€6k€46k▲
Profit (loss) for the period to be appropriated9905€6k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€46k▲
Transfer from equity791/2€24k€135k▲
Transfer to equity691/2€6k€46k▲
To other reserves6921€6k€46k▲
Profit to be distributed694/7€24k€135k▲
Return on contributions (dividend)694€24k€135k▲
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €6k ▼89.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €59k ▲16.1%
Operating result €78k, net result €59k, both a record.
31-12
Financial
Equity above €150kEq €157k ▲23.6%
4 profitable years in a row build equity to €157k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €127k ▲67.4%
3 profitable years in a row build equity to €127k.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Willebroek · 2 establishment units 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.
Breendonkstraat 320 B2830 WillebroekGround area
1,048 m²
Building footprint
640 m²
Volume, LiDAR
3,520 m³
2 parcels, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
WoVi
since 20202.304.018.036
Molenweg 95, 2830 Willebroek
since 20222.328.801.437
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12342C0574/00S000 | Flanders | 556 m² | 1 · 562 m² | 7.2 m · 2 fl. |
| 12036D0601/00D000 | Flanders | 492 m² | 1 · 78 m² | 3.5 m |
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 39 EUR awarded · 39 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 39 EUR | 39 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 2,962 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2020
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.