WVS-Interieur
ActiveSummary
The computed 12-month bankruptcy probability of WVS-Interieur is 2.0% (moderate). The 2025 annual accounts show negative equity (-€35,215) and a net result of -€1,633. Equity is shrinking by ~122.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 28281 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability7▲+7
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.46 against 0.43 in 2024; short-term debt: 212.8% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-253.9%
Return on assets
-11.8%
Age of the figures
18 mo
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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€35,215
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 03-11-2025, 3 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 · 10 filingsDeviation from the deadline
2025
3 d late
2024
71 d late
2023
358 d late
2022
3 d early
2021
7 d early
2020
3 d early
2019
14 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 62 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 3 November (4 of the last 5 filed years within 68 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close29-09-2026 today31-10-2026 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€35,215▼ 4.9%
2024 · -€33,582
Total assets
€13,871▲ 2.1%
2024 · €13,582
Net result
-€1,633▲ 88.6%
2024 · -€14,324
Working capital
-€15,978▲ 5.2%
2024 · -€16,856
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€6,731▲ 34.8%€7,192-€18,856-€12,883▲ 31.7%€148
Net result-€7,442below the sector's middle half▲ 32.4%€6,447within the sector's middle half-€19,746below the sector's middle half-€14,324below the sector's middle half▲ 27.5%-€1,633below the sector's middle half▲ 88.6%
Equity-€5,959below the sector's middle half€488below the sector's middle half-€19,258below the sector's middle half-€33,582below the sector's middle half▼ 74.4%-€35,215below the sector's middle half▼ 4.9%
Total assets€14,752below the sector's middle half▼ 21.5%€36,462below the sector's middle half▲ 147%€24,263below the sector's middle half▼ 33.5%€13,582below the sector's middle half▼ 44.0%€13,871below the sector's middle half▲ 2.1%
Debt€20,711▲ 19.7%€35,974▲ 73.7%€43,521▲ 21.0%€47,164▲ 8.4%€49,085▲ 4.1%
Working capital€4,031below the sector's middle half€17,478within the sector's middle half▲ 334%-€2,894below the sector's middle half-€16,856below the sector's middle half▼ 482%-€15,978below the sector's middle half▲ 5.2%
Solvency-40.4%below the sector's middle half▼ 48.3pp1.3%below the sector's middle half▲ 41.7pp-79.4%below the sector's middle half▼ 80.7pp-247.3%below the sector's middle half▼ 167.9pp-253.9%below the sector's middle half▼ 6.6pp
Current ratio1.38within the sector's middle half▲ 0.601.92within the sector's middle half▲ 0.540.89below the sector's middle half▼ 1.030.43below the sector's middle half▼ 0.460.46below the sector's middle half▲ 0.03
Return on assets (ROA)-50.4%below the sector's middle half▲ 8.1pp17.7%above the sector's middle half▲ 68.1pp-81.4%below the sector's middle half▼ 99.1pp-105.5%below the sector's middle half▼ 24.1pp-11.8%below the sector's middle half▲ 93.7pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €148 after a loss of €12,883 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13,871
Fixed assets
€335 ▼ 55.4%
Current assets
€13,535 ▲ 5.5%
Key figures and ratios
EBITDA
€565▲
2024 · -€12,566
Cash flow
-€1,216▲
2024 · -€14,006
Quick ratio
0.34▼
2024 · 0.42
Debt to equity
-1.39▲
2024 · -1.40
Interest coverage
0.37▲
2024 · -9.77
Debt ≤ 1 year
€29,513▼
2024 · €29,686
Debt > 1 year
€17,000=
2024 · €17,000
Income taxes
€241▲
2024 · €231
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.8%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,906 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,392 | - | €191 | €317 | €417 | ▲ 31.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €1,158 | - |
| Other operating charges640/8 | - | €1,130 | €1,078 | €2,297 | €3,601 | ▲ 56.8% |
| Gross operating margin9900 | -€19 | €8,322 | -€17,587 | -€10,268 | €5,324 | ▲ 152% |
| Operating profit (loss)9901 | -€6,731 | €7,192 | -€18,856 | -€12,883 | €148 | ▲ 101% |
| Financial income75/76B | - | €6 | €19 | €76 | €0 | ▼ 99.9% |
| Recurring financial income75 | €0 | €6 | €19 | €76 | €0 | ▼ 99.9% |
| Financial charges65/66B | - | €550 | €691 | €1,286 | €1,540 | ▲ 19.8% |
| Recurring financial charges65 | €509 | €550 | €691 | €1,286 | €1,540 | ▲ 19.8% |
| Profit (loss) for the period before taxes9903 | -€7,240 | €6,648 | -€19,528 | -€14,093 | -€1,392 | ▲ 90.1% |
| Income taxes67/77 | €201 | €201 | €218 | €231 | €241 | ▲ 4.2% |
| Profit (loss) for the period9904 | -€7,442 | €6,447 | -€19,746 | -€14,324 | -€1,633 | ▲ 88.6% |
| Profit (loss) for the period to be appropriated9905 | -€7,442 | €6,447 | -€19,746 | -€14,324 | -€1,633 | ▲ 88.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €14,752 | €36,462 | €24,263 | €13,582 | €13,871 | ▲ 2.1% |
| Fixed assets21/28 | €10 | €10 | €636 | €752 | €335 | ▼ 55.4% |
| Tangible fixed assets22/27 | - | - | €626 | €742 | €325 | ▼ 56.2% |
| Furniture and vehicles24 | - | - | €626 | €742 | €325 | ▼ 56.2% |
| Financial fixed assets28 | €10 | €10 | €10 | €10 | €10 | = |
| Current assets29/58 | €14,742 | €36,452 | €23,627 | €12,830 | €13,535 | ▲ 5.5% |
| Stocks and contracts in progress3 | €500 | €13,669 | €350 | €350 | €3,405 | ▲ 873% |
| Stocks30/36 | - | €764 | €350 | €350 | €350 | = |
| Contracts in progress37 | - | €12,905 | - | - | €3,055 | - |
| Amounts receivable within one year40/41 | €10,989 | €21,795 | €22,702 | €12,007 | €9,721 | ▼ 19.0% |
| Trade receivables40 | - | €20,174 | €18,634 | €9,624 | €7,476 | ▼ 22.3% |
| Other amounts receivable41 | - | €1,621 | €4,068 | €2,383 | €2,245 | ▼ 5.8% |
| Deferred charges and accrued income490/1 | - | €988 | €575 | €473 | €409 | ▼ 13.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €14,752 | €36,462 | €24,263 | €13,582 | €13,871 | ▲ 2.1% |
| Equity10/15 | -€5,959 | €488 | -€19,258 | -€33,582 | -€35,215 | ▼ 4.9% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | - | - |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | - | - |
| Profit (loss) carried forward14 | -€26,419 | -€19,972 | -€39,718 | -€54,042 | -€53,815 | ▲ 0.4% |
| Amounts payable17/49 | €20,711 | €35,974 | €43,521 | €47,164 | €49,085 | ▲ 4.1% |
| Amounts payable after more than one year17 | €10,000 | €17,000 | €17,000 | €17,000 | €17,000 | = |
| Financial debts170/4 | - | €17,000 | €17,000 | €17,000 | €17,000 | = |
| Amounts payable within one year42/48 | €10,711 | €18,974 | €26,521 | €29,686 | €29,513 | ▼ 0.6% |
| Financial debts43 | - | €3,889 | €5,082 | €7,178 | €10,246 | ▲ 42.7% |
| Credit institutions430/8 | - | €3,889 | €5,082 | €7,178 | €10,246 | ▲ 42.7% |
| Trade debts44 | €1,126 | €4,074 | €11,456 | €11,181 | €7,326 | ▼ 34.5% |
| Suppliers440/4 | - | €4,074 | €11,456 | €11,181 | €7,326 | ▼ 34.5% |
| Taxes, remuneration and social security45 | - | €1,502 | €2,569 | €4,855 | €2,187 | ▼ 55.0% |
| Taxes450/3 | - | €1,502 | €2,569 | €4,855 | €2,187 | ▼ 55.0% |
| Other amounts payable47/48 | - | €9,509 | €7,415 | €6,472 | €9,754 | ▲ 50.7% |
| Accrued charges and deferred income492/3 | - | - | - | €478 | €2,572 | ▲ 438% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,442 | €6,447 | -€19,746 | -€14,324 | -€1,633 | ▲ 88.6% |
| + Depreciation and write-downs630 | €5,392 | - | €191 | €317 | €417 | ▲ 31.3% |
| Operating cash flow (approximation) | -€2,050 | €6,447 | -€19,555 | -€14,006 | -€1,216 | ▲ 91.3% |
| Investment in fixed assets (approximation) | - | €0 | -€817 | -€434 | €0 | ▲ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
03-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 358 days late
2023
31-03
Financial
Weakest financial yearnet -€19,746
Net result drops to -€19,746, the lowest in the series; recovery starts the following year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €6,447
Net result €6,447 after 3 loss-making years.
2021
24-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
14-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
02-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Sint-Niklaas · 1 establishment unit since 2012
Ground area
1,982 m²
Building footprint
440 m²
Volume, LiDAR
2,067 m³
2 parcels, Flanders · tallest building 11.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
WVS-Interieur
since 20122.207.855.404
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46019D1352/00T000 | Flanders | 1,863 m² | 1 · 362 m² | 7.6 m · 1 fl. |
| 46021A0807/00R004 | Flanders | 119 m² | 1 · 78 m² | 11.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
BELIMECH
BE 0476.269.901
Bonheiden · Eq €500
Timmer- en schrijnwerken Maxim Remmerie
BE 0785.827.286
Wervik · Eq €501
Open & Close
BE 0478.957.393
Evere · Eq €502
M.G. STYLE
BE 0454.145.387
Saint-Ghislain · Eq €507
VAN BAELEN
BE 1005.056.095
Zemst · Eq €454
Of 20,026 companies in sector 43320 we hold annual accounts for 9,139. 404 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-02-2012
Fiscal year end31-03
Activities, NACEBEL 2025
43320Joinery installation
43310Plastering work
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
43350Other building finishing work
47521Retail sale of hardware, building materials, paint and glass (general range)
Contact
E-mail
wvs-interieur@telenet.beSint-Niklaas
E-invoicing
Reachable via Peppol
Peppol ID
0208:0843999869
Also
9925:BE0843999869
Registered
09-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.