WVM
ActiveWVM has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €284k and a net result of €50k. Equity is growing by ~28.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
93
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▼-12
Solvency99▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.93 against 5.59 in 2023), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-12-2025, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
153 d late
2023
288 d late
2022
150 d late
2021
148 d late
2020
108 d late
2019
108 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€284k▲ 21.3%
2023 · €234k
2018: €63k
2019: €83k
2020: €116k
2021: €142k
2022: €176k
2023: €234k
2018 → 2024
Total assets
€469k▲ 9.1%
2023 · €430k
2018: €295k
2019: €314k
2020: €329k
2021: €346k
2022: €378k
2023: €430k
2018 → 2024
Net result
€50k▼ 18.9%
2023 · €62k
2018: €30k
2019: €20k
2020: €33k
2021: €26k
2022: €34k
2023: €62k
2018 → 2024
Working capital
€199k▲ 7.3%
2023 · €185k
2018: €29k
2019: €52k
2020: €94k
2021: €131k
2022: €151k
2023: €185k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€116k-€142k▲ 22.7%€176k▲ 23.7%€234k▲ 33.3%€284k▲ 21.3%
Operating result€52k-€44k▼ 15.2%€52k▲ 17.6%€91k▲ 75.8%€73k▼ 19.5%
Net result€33k-€26k▼ 19.1%€34k▲ 28.1%€62k▲ 82.6%€50k▼ 18.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 19% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €469k
Fixed assets
€230k▲ 12.5%
Current assets
€239k▲ 6.0%
Equity and liabilities €469k
Equity
€284k▲ 21.3%
Debt
€185k▼ 5.4%
The debt ratio falls from 45.5% to 39.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€96k▼
2023 · €109k
Cash flow
€72k▼
2023 · €80k
Solvency
60.6%▲
2023 · 54.5%
Current ratio
5.93▲
2023 · 5.59
Quick ratio
5.93▲
2023 · 5.59
Debt / equity
0.65▼
2023 · 0.83
ROE
17.5%▼
2023 · 26.2%
ROA
10.6%▼
2023 · 14.3%
Interest coverage
20.66▼
2023 · 34.20
Debt
€185k▼
2023 · €196k
Debt ≤ 1 year
€40k=
2023 · €40k
Debt > 1 year
€145k▼
2023 · €155k
Income taxes
€19k▼
2023 · €26k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€430k€469k▲
Fixed assets21/28€205k€230k▲
Tangible fixed assets22/27€205k€230k▲
Land and buildings22€163k€147k▼
Plant, machinery and equipment23€23k€20k▼
Furniture and vehicles24€9k€6k▼
Other tangible fixed assets26€5k€7k▲
Assets under construction and advance payments27€4k€50k▲
Current assets29/58€225k€239k▲
Amounts receivable within one year40/41€101k€94k▼
Trade receivables40€48k€19k▼
Other amounts receivable41€53k€75k▲
Cash at bank and in hand54/58€123k€143k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€430k€469k▲
Equity10/15€234k€284k▲
Contributions10/11€6k€6k=
Reserves13€228k€278k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132-€4k
Distributable reserves133€226k€272k▲
Amounts payable17/49€196k€185k▼
Amounts payable after more than one year17€155k€145k▼
Financial debts170/4€155k€145k▼
Amounts payable within one year42/48€40k€40k=
Current portion of amounts payable after more than one year42€12k€11k▼
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€19k€25k▲
Taxes450/3€19k€25k▲
Other amounts payable47/48€3k€2k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€23k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A-€619
Gross operating margin9900€112k€99k▼
Operating profit (loss)9901€91k€73k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€88k€69k▼
Income taxes67/77€26k€19k▼
Profit (loss) for the period9904€62k€50k▼
Profit (loss) for the period to be appropriated9905€62k€50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€50k▼
Transfer to equity691/2€59k€50k▼
To other reserves6921€59k€50k▼
Profit to be distributed694/7€3k-
Directors or managers695€3k-
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
2025
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
15-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 288 days late
2023
31-12
Financial
Highest result since 2018net €62k ▲82.6%
Operating result €91k, net result €62k, both a record.
31-12
Financial
Equity above €200kEq €234k ▲33.3%
6 profitable years in a row build equity to €234k.
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 150 days late
2022
31-12
Financial
Equity above €150kEq €176k ▲23.7%
5 profitable years in a row build equity to €176k.
26-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 148 days late
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 108 days late
2020
31-12
Financial
Equity above €100kEq €116k ▲39%
3 profitable years in a row build equity to €116k.
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 108 days late
2019
31-12
Financial
Weakest financial yearnet €20k ▼33%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 50 days late
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 60 days late
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 51 days late
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Pecq · 1 establishment unit since 2012
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.
Rue des Pauvres Hommes(HER) 937742 PecqGround area
836 m²
Building footprint
128 m²
Volume, LiDAR
616 m³
Parcel 57037C0500/00C000, Wallonia · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WVM
since 20122.211.062.045
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57037C0500/00C000 | Wallonia | 836 m² | 1 · 128 m² | 6.6 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.
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R.P.L.
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BRAND DATE
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Alfa Jane
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Paul MEUNIER
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 38,291 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-07-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
71121Engineering and related technical consultancy, excluding land surveyors
90201Performing arts by independent artists
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.