WVM-Service
ActiveWVM-Service has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €197k and a net result of €54k. Equity is growing by ~48.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 4.41 against 26.19 in 2024; short-term debt: 22.4% and cash: 72.9% of total assets), and 22.4% 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○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 · 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
77.6%
Return on assets
21.1%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
70 d early
2023
69 d early
2022
70 d early
2021
73 d early
2020
64 d early
2019
72 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€197k▲ 5.9%
2024 · €186k
2018: €-43k
2019: €-45k
2020: €19k
2021: €63k
2022: €104k
2023: €144k
2024: €186k
2018 → 2025
Total assets
€254k▲ 31.1%
2024 · €194k
2018: €682
2019: €2k
2020: €40k
2021: €83k
2022: €116k
2023: €161k
2024: €194k
2018 → 2025
Net result
€54k▲ 27.3%
2024 · €42k
2018: €-1k
2019: €-2k
2020: €64k
2021: €43k
2022: €41k
2023: €40k
2024: €42k
2018 → 2025
Working capital
€193k▲ 6.3%
2024 · €182k
2018: €-43k
2019: €-45k
2020: €19k
2021: €69k
2022: €98k
2023: €139k
2024: €182k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€104k▲ 66.1%€144k▲ 38.5%€186k▲ 29.2%€197k▲ 5.9%
Operating result€60k-€57k▼ 4.5%€56k▼ 2.2%€59k▲ 5.2%€74k▲ 26.2%
Net result€43k-€41k▼ 4.7%€40k▼ 3.1%€42k▲ 5.1%€54k▲ 27.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254k
Fixed assets
€4k▼ 16.5%
Current assets
€250k▲ 32.2%
Equity and liabilities €254k
Equity
€197k▲ 5.9%
Debt
€57k▲ 649%
The debt ratio rises from 3.9% to 22.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€75k▲
2024 · €59k
Cash flow
€54k▲
2024 · €43k
Solvency
77.6%▼
2024 · 96.1%
Current ratio
4.41▼
2024 · 26.19
Quick ratio
4.22▼
2024 · 24.05
Debt / equity
0.29▲
2024 · 0.04
ROE
27.2%▲
2024 · 22.6%
ROA
21.1%▼
2024 · 21.7%
Interest coverage
176.13▼
2024 · 236.99
Debt
€57k▲
2024 · €8k
Debt ≤ 1 year
€57k▲
2024 · €7k
Income taxes
€20k▲
2024 · €16k
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€194k€254k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Land and buildings22€5k€4k▼
Current assets29/58€189k€250k▲
Stocks and contracts in progress3€15k€11k▼
Stocks30/36€15k€11k▼
Amounts receivable within one year40/41€46k€39k▼
Trade receivables40€45k€39k▼
Other amounts receivable41€507€507=
Cash at bank and in hand54/58€128k€185k▲
Deferred charges and accrued income490/1-€15k
Equity and liabilities
Total equity and liabilities10/49€194k€254k▲
Equity10/15€186k€197k▲
Contributions10/11€20k€20k=
Reserves13€166k€177k▲
Distributable reserves133€166k€177k▲
Amounts payable17/49€8k€57k▲
Amounts payable within one year42/48€7k€57k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€3k€51k▲
Accrued charges and deferred income492/3€360-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€743€743=
Gross operating margin9900€59k€75k▲
Operating profit (loss)9901€59k€74k▲
Financial income75/76B€164€138▼
Recurring financial income75€164€138▼
Financial charges65/66B€251€425▲
Recurring financial charges65€251€425▲
Profit (loss) for the period before taxes9903€59k€74k▲
Income taxes67/77€16k€20k▲
Profit (loss) for the period9904€42k€54k▲
Profit (loss) for the period to be appropriated9905€42k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€54k▲
Transfer from equity791/2-€43k
Transfer to equity691/2€42k€54k▲
To other reserves6921€42k€54k▲
Profit to be distributed694/7-€43k
Return on contributions (dividend)694-€43k
The notes to these accounts (4 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 26.19
Current ratio from 9.43 to 26.19; short-term debt falls from €16k to €7k.
31-12
Financial
Equity above €150kEq €186k ▲29.2%
5 profitable years in a row build equity to €186k.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €104k ▲66.1%
3 profitable years in a row build equity to €104k.
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 6current ratio 10.71
Current ratio from 1.93 to 10.71; short-term debt falls from €21k to €7k.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €64k
Net result €64k after 2 loss-making years.
31-12
Financial
Liquidity times 43current ratio 1.93
Current ratio from 0.04 to 1.93; short-term debt falls from €47k to €21k.
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
22-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Malle · 1 establishment unit since 2014
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.
Schaggeleweg 662390 MalleGround area
2,201 m²
Building footprint
334 m²
Volume, LiDAR
1,547 m³
Parcel 11049B0345/00V000, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WVM-Service
since 20142.231.216.071
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049B0345/00V000 | Flanders | 2,201 m² | 1 · 334 m² | 11.3 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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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,108 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47521Retail sale of hardware, building materials, paint and glass (general range)
47789Other retail sale of new goods
64200Holdings
64210Activities of holding companies
70100Activities of head offices
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.