WVH-Consult
ActiveWVH-Consult has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €196k and a net result of €-112k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 46% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
54
/ 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
Profitability0▼-89
Solvency76▼-18
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 2.92 in 2024; short-term debt: 47.3% and cash: 10.1% of total assets), and 48.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.4%
Return on assets
-29.4%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
26 d late
2024
38 d early
2023
64 d early
2022
32 d early
2021
60 d early
2020
51 d early
2019
46 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€196k▼ 36.4%
2024 · €308k
2018: €29k
2019: €67k
2020: €304k
2021: €380k
2022: €623k
2023: €438k
2024: €308k
2018 → 2025
Total assets
€381k▼ 14.3%
2024 · €445k
2018: €58k
2019: €101k
2020: €471k
2021: €561k
2022: €914k
2023: €627k
2024: €445k
2018 → 2025
Net result
€-112k
2024 · €70k
2018: €10k
2019: €38k
2020: €237k
2021: €76k
2022: €313k
2023: €37k
2024: €70k
2018 → 2025
Working capital
€127k▼ 45.1%
2024 · €231k
2018: €-12k
2019: €26k
2020: €266k
2021: €297k
2022: €527k
2023: €349k
2024: €231k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€380k-€623k▲ 64.1%€438k▼ 29.7%€308k▼ 29.6%€196k▼ 36.4%
Operating result€88k-€411k▲ 370%€47k▼ 88.6%€78k▲ 66.6%€-128k
Net result€76k-€313k▲ 313%€37k▼ 88.3%€70k▲ 91.1%€-112k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €128k after €78k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €381k
Fixed assets
€74k▼ 20.5%
Current assets
€307k▼ 12.7%
Equity and liabilities €381k
Equity
€196k▼ 36.4%
Debt
€185k▲ 35.5%
The debt ratio rises from 30.7% to 48.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-108k▼
2024 · €101k
Cash flow
€-91k▼
2024 · €93k
Solvency
51.4%▼
2024 · 69.3%
Current ratio
1.70▼
2024 · 2.92
Quick ratio
1.70▼
2024 · 2.92
Debt / equity
0.94▲
2024 · 0.44
ROE
-57.2%▼
2024 · 22.8%
ROA
-29.4%▼
2024 · 15.8%
Interest coverage
-86.50▼
2024 · 64.70
Debt
€185k▲
2024 · €137k
Debt ≤ 1 year
€180k▲
2024 · €121k
Debt > 1 year
€5k▼
2024 · €16k
Income taxes
€444▼
2024 · €22k
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€445k€381k▼
Fixed assets21/28€93k€74k▼
Tangible fixed assets22/27€93k€74k▼
Furniture and vehicles24€10k€3k▼
Other tangible fixed assets26€83k€71k▼
Current assets29/58€352k€307k▼
Amounts receivable after more than one year29€200k€200k=
Other amounts receivable291€200k€200k=
Amounts receivable within one year40/41€73k€12k▼
Trade receivables40€68k€7k▼
Other amounts receivable41€5k€5k=
Cash at bank and in hand54/58€22k€39k▲
Deferred charges and accrued income490/1€57k€57k▲
Equity and liabilities
Total equity and liabilities10/49€445k€381k▼
Equity10/15€308k€196k▼
Contributions10/11€19k€19k=
Reserves13€289k€289k=
Distributable reserves133€289k€289k=
Profit (loss) carried forward14-€-112k
Amounts payable17/49€137k€185k▲
Amounts payable after more than one year17€16k€5k▼
Financial debts170/4€16k€5k▼
Amounts payable within one year42/48€121k€180k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€10k€117k▲
Suppliers440/4€10k€117k▲
Taxes, remuneration and social security45€45k€27k▼
Taxes450/3€45k€27k▼
Other amounts payable47/48€55k€25k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€21k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€105k€-106k▼
Operating profit (loss)9901€78k€-128k▼
Financial income75/76B€15k€18k▲
Recurring financial income75€15k€18k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€92k€-112k▼
Income taxes67/77€22k€444▼
Profit (loss) for the period9904€70k€-112k▼
Profit (loss) for the period to be appropriated9905€70k€-112k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€-112k▼
Transfer from equity791/2€200k-
Transfer to equity691/2€70k-
To other reserves6921€70k-
Profit to be distributed694/7€200k-
Return on contributions (dividend)694€200k-
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €-112k ▼259%
Net result drops to €-112k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €313k ▲313%
Operating result €411k, net result €313k, both a record.
31-12
Financial
Equity above €500kEq €623k ▲64.1%
5 profitable years in a row build equity to €623k.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €304k ▲355%
3 profitable years in a row build equity to €304k.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 1.75
Current ratio from 0.60 to 1.75.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schilde · 1 establishment unit since 2018
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.
Seringenlaan 52970 SchildeGround area
2,005 m²
Building footprint
193 m²
Volume, LiDAR
1,084 m³
Parcel 11039D0027/00D000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WVH-Consult
since 20182.276.096.783
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0027/00D000 | Flanders | 2,005 m² | 1 · 193 m² | 7.9 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
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BREVIR
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GR-INVESTMENT
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BRUNEEL T.
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Brecht · Eq €195k
Positive Work
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,494. 2,365 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2018
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
47120Other non-specialised retail sale
47910Retail trade
64200Holdings
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
82300Organisation of conventions and trade shows
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.