WVR Construct
ActiveWVR Construct has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €69k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 86% of 7321 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 5.87 against 3.18 in 2024), and 21.5% 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
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 41
Relative position
BE, all sectors
reference
Sector 41
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
78.5%
Return on assets
30.9%
Age of the figures
11 mo
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 · 7 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
1 d early
2022
3 d early
2021
31 d early
2020
3 d early
2019
7 d early
← before the deadline
after the deadline →
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
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€174k▲ 12.0%
2024 · €156k
2019: €49k
2020: €96k
2021: €152k
2022: €157k
2023: €186k
2024: €156k
2019 → 2025
Total assets
€222k▼ 6.1%
2024 · €236k
2019: €67k
2020: €105k
2021: €161k
2022: €172k
2023: €202k
2024: €236k
2019 → 2025
Net result
€69k▼ 1.4%
2024 · €70k
2019: €42k
2020: €48k
2021: €56k
2022: €60k
2023: €62k
2024: €70k
2019 → 2025
Working capital
€126k▲ 24.5%
2024 · €101k
2019: €45k
2020: €92k
2021: €148k
2022: €139k
2023: €149k
2024: €101k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€152k-€157k▲ 3.5%€186k▲ 18.3%€156k▼ 16.3%€174k▲ 12.0%
Operating result€73k-€76k▲ 4.3%€80k▲ 5.0%€90k▲ 13.2%€88k▼ 2.4%
Net result€56k-€60k▲ 7.1%€62k▲ 4.2%€70k▲ 12.2%€69k▼ 1.4%
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 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€70k▼ 20.9%
Current assets
€152k▲ 2.8%
Equity and liabilities €222k
Equity
€174k▲ 12.0%
Debt
€48k▼ 40.8%
The debt ratio falls from 34.2% to 21.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€107k▲
2024 · €100k
Cash flow
€87k▲
2024 · €79k
Solvency
78.5%▲
2024 · 65.8%
Current ratio
5.87▲
2024 · 3.18
Quick ratio
5.87▲
2024 · 3.18
Debt / equity
0.27▼
2024 · 0.52
ROE
39.4%▼
2024 · 44.8%
ROA
30.9%▲
2024 · 29.5%
Interest coverage
58.64▼
2024 · 98.97
Debt
€48k▼
2024 · €81k
Debt ≤ 1 year
€26k▼
2024 · €46k
Debt > 1 year
€22k▼
2024 · €34k
Income taxes
€18k▼
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€236k€222k▼
Fixed assets21/28€88k€70k▼
Tangible fixed assets22/27€88k€70k▼
Plant, machinery and equipment23€696€536▼
Furniture and vehicles24€72k€56k▼
Other tangible fixed assets26€15k€13k▼
Current assets29/58€148k€152k▲
Amounts receivable within one year40/41€114k€120k▲
Trade receivables40€16k€16k=
Other amounts receivable41€99k€105k▲
Current investments50/53€18k€14k▼
Cash at bank and in hand54/58€14k€14k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€236k€222k▼
Equity10/15€156k€174k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€135k€154k▲
Amounts payable17/49€81k€48k▼
Amounts payable after more than one year17€34k€22k▼
Financial debts170/4€34k€22k▼
Amounts payable within one year42/48€46k€26k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€32k€10k▼
Taxes450/3€32k€10k▼
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Non-recurring operating income76A€3k-
Goods, raw materials, services and sundry goods60/61€104k€95k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€19k▲
Other operating charges640/8€944€796▼
Gross operating margin9900€101k€108k▲
Operating profit (loss)9901€90k€88k▼
Financial income75/76B€470€722▲
Recurring financial income75€470€722▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€90k€87k▼
Income taxes67/77€20k€18k▼
Profit (loss) for the period9904€70k€69k▼
Profit (loss) for the period to be appropriated9905€70k€69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€235k€204k▼
Profit (loss) brought forward from the previous period14P€165k€135k▼
Profit to be distributed694/7€100k€50k▼
Return on contributions (dividend)694€100k€50k▼
The notes to these accounts (7 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2019net €70k ▲12.2%
Operating result €90k, net result €70k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €150kEq €152k ▲57.9%
3 profitable years in a row build equity to €152k.
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Liquidity triplescurrent ratio 11.76
Current ratio from 3.46 to 11.76; short-term debt falls from €18k to €9k.
23-04
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Lille · 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.
Gierlebaan 1142275 LilleGround area
4,106 m²
Building footprint
166 m²
Volume, LiDAR
126 m³
Parcel 13019F0087/00D000, Flanders · tallest building 3.6 m. Linked by address, not a title deed.
1 establishment unit
WVR Construct
since 20182.280.288.668
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13019F0087/00D000 | Flanders | 4,106 m² | 1 · 166 m² | 3.6 m |
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
DCNB
BE 0784.286.867
Ingelmunster · Eq €174k
Van Hove Bosschaerts Company
BE 0795.203.921
Schoten · Eq €174k
SOTRAVIM
BE 0458.502.469
Chaumont-Gistoux · Eq €174k
EGW PROMO
BE 0884.403.537
La Louvière · Eq €174k
BOUWBEDRIJF STRUCTUUR
BE 0827.728.318
Antwerpen · Eq €174k
Of 29,551 companies in sector 41001 we hold annual accounts for 15,874. 12,249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2018
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.