Skip to content

WYDO

Active
Private limited company (pre-2019)founded 1991active for 35 yearsTorenvalkstraat 6, 8300 Knokke-Heist, BelgiumKBO/BCE: BE 0443.889.915
Summary

The computed 12-month bankruptcy probability of WYDO is 2.0% (moderate). The 2025 annual accounts show negative equity (-€49,945) and a net result of -€6,244. Equity remains stable across the filed financial years (±2% per year). Its solvency ranks better than 5% of 12,672 sector peers (NACE 47, financial year 2025). The company has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Retail sale of household textiles and bedding
NACE 47512
1 site
Size
€2,141total assets 2025
Equity
-€49,945
Loss
-€6,244
Turnover not published (abbreviated format)
Financial health
52 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.0%
Structure
2025 accounts filed 55 days late1 deed in the Belgian Official Gazette
Why 52raises riskLoss of €6,244 (financial year 2025)Negative equity -€49,945Sector: Retail trade (NACE 47)lowers riskSize: total assets €2,141Show the evidence

Checked score

Score 2025
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 22% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Weak
Solvency 0=
equity -2333.0% of total assets
Liquidity 50+50
short-term debt 2259.4% · cash 44.7%
Profitability 0-81
return on assets -291.7%
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,242 companies, NACE 47, micro)
Last 24 months 11-2024: 3.4% 12-2024: 1.7%▼ -1.7 percentage points vs 11-2024 01-2025: 1.7%● unchanged vs 12-2024 02-2025: 1.7%● unchanged vs 01-2025 03-2025: 1.7%● unchanged vs 02-2025 04-2025: 1.7%● unchanged vs 03-2025 05-2025: 1.8%▲ +0.1 percentage points vs 04-2025 06-2025: 1.7%▼ -0.1 percentage points vs 05-2025 07-2025: 2.2%▲ +0.5 percentage points vs 06-2025 08-2025: 2.8%▲ +0.6 percentage points vs 07-2025 09-2025: 3.0%▲ +0.2 percentage points vs 08-2025 10-2025: 3.6%▲ +0.6 percentage points vs 09-2025highest value 11-2025: 1.7%▼ -1.9 percentage points vs 10-2025 12-2025: 1.7%● unchanged vs 11-2025 01-2026: 1.7%● unchanged vs 12-2025 02-2026: 1.7%● unchanged vs 01-2026 03-2026: 1.7%● unchanged vs 02-2026 04-2026: 1.8%▲ +0.1 percentage points vs 03-2026 05-2026: 1.8%● unchanged vs 04-2026 06-2026: 1.7%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: 1.9%▲ +0.2 percentage points vs 06-2026 08-2026: 2.6%▲ +0.7 percentage points vs 07-2026 09-2026: 2.8%▲ +0.2 percentage points vs 08-2026 10-2026: 2.0%▼ -0.8 percentage points vs 09-2026
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 6% on solvency, 52% on liquidity, 6% on profitability and 23% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
lowers riskraises risk
lowers risk · Size: total assets €2,141
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Loss of €6,244 (financial year 2025)
NBB · annual accounts
raises risk · Negative equity -€49,945
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€49,945
raises risk · 2025 accounts filed 55 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
55 days late
2024
89 days late
2023
31 days late
2022
87 days late
2021
31 days late
2020
90 days late
2019
90 days 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 68 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 24 September (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven months
Where today falls in the filing period
25-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Annual accounts filedfinancial year 2023 · abbreviated…

Financials · financial year 2025, abbreviated format

2025 annual accounts filed late (55 days) Filed on 24 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00522485.

Equity
-€49,945▼ 14.3%
2024 · -€43,702
Total assets
€2,141▼ 59.2%
2024 · €5,251
Net result
-€6,244
2024 · €921
Working capital
-€46,228▼ 14.5%
2024 · -€40,384
Trend over the years

2021 to 2025, 5 financial years 2018 to 2025, 8 financial years

The operating result turns negative in 2025: a loss of €6,003 after €1,146 in 2024, the lowest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result-€6,003 2025 Net result-€6,244 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line20182019202020212022202320242025
Operating result-€24,464--€19,099▲ 21.9%-€3,242▲ 83.0%-€4,771▼ 47.2%€29,091€2,054▼ 92.9%€1,146▼ 44.2%-€6,003
Net result-€31,377--€20,594▲ 34.4%-€5,246below the sector's middle half▲ 74.5%-€5,358below the sector's middle half▼ 2.1%€27,868within the sector's middle half€1,113below the sector's middle half▼ 96.0%€921below the sector's middle half▼ 17.3%-€6,244below the sector's middle half
Equity-€42,406--€63,000▼ 48.6%-€68,246below the sector's middle half▼ 8.3%-€73,604below the sector's middle half▼ 7.9%-€45,736below the sector's middle half▲ 37.9%-€44,623below the sector's middle half▲ 2.4%-€43,702below the sector's middle half▲ 2.1%-€49,945below the sector's middle half▼ 14.3%
Total assets€45,872-€35,188▼ 23.3%€32,566below the sector's middle half▼ 7.5%€30,680below the sector's middle half▼ 5.8%€1,568below the sector's middle half▼ 94.9%€938below the sector's middle half▼ 40.2%€5,251below the sector's middle half▲ 460%€2,141below the sector's middle half▼ 59.2%
Debt€88,278-€98,188▲ 11.2%€100,812▲ 2.7%€104,284▲ 3.4%€47,304▼ 54.6%€45,561▼ 3.7%€48,953▲ 7.4%€52,086▲ 6.4%
Working capital-€10,180--€14,710▼ 44.5%-€9,092below the sector's middle half▲ 38.2%-€13,879below the sector's middle half▼ 52.7%-€43,013below the sector's middle half▼ 210%-€41,078below the sector's middle half▲ 4.5%-€40,384below the sector's middle half▲ 1.7%-€46,228below the sector's middle half▼ 14.5%
Solvency-92.4%--179.0%▼ 86.6pp-209.6%below the sector's middle half▼ 30.5pp-239.9%below the sector's middle half▼ 30.3pp-832.2%below the sector's middle half
Current ratio0.82-0.70▼ 0.110.78below the sector's middle half▲ 0.080.69below the sector's middle half▼ 0.090.12below the sector's middle half
Return on assets (ROA)-68.4%--58.5%▲ 9.9pp-16.1%below the sector's middle half▲ 42.4pp-17.5%below the sector's middle half▼ 1.4pp17.5%above the sector's middle half
above within below the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€48,369▲
2024 · €45,635
Income taxes
€151▲
2024 · €147
Ratios withheld: a balance sheet total of €2,141 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,621 companies that looked in July 2024 the way this one looks now, 4.5% went bankrupt within 24 months and 84.4% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a loss of 10% of the balance sheet or more
4.5% went bankrupt
10.0% stopped otherwise
84.4% still going

A further 1.0% 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 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
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 74.5% 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 6,621 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€5,251€2,141▼
Fixed assets21/28€0€0=
Tangible fixed assets22/27€0€0=
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€0€0=
Current assets29/58€5,251€2,141▼
Amounts receivable within one year40/41€4,765€584▼
Trade receivables40€4,765€432▼
Other amounts receivable41-€151
Cash at bank and in hand54/58€7€958▲
Deferred charges and accrued income490/1€479€599▲
Equity and liabilities
Total equity and liabilities10/49€5,251€2,141▼
Equity10/15-€43,702-€49,945▼
Contributions10/11€18,592€18,592=
Reserves13€9,517€9,517=
Non-distributable reserves130/1€1,859€1,859=
Reserves not available under the articles1311€1,859€1,859=
Tax-exempt reserves132€2,700€2,700=
Distributable reserves133€4,958€4,958=
Profit (loss) carried forward14-€71,811-€78,054▼
Amounts payable17/49€48,953€52,086▲
Amounts payable within one year42/48€45,635€48,369▲
Trade debts44€4,011€11,123▲
Suppliers440/4€4,011€11,123▲
Taxes, remuneration and social security45€4,156€4,838▲
Taxes450/3€2,156€2,838▲
Remuneration and social security454/9€2,000€2,000=
Other amounts payable47/48€37,468€32,408▼
Accrued charges and deferred income492/3€3,317€3,717▲
Income statement Code20242025
Other operating charges640/8€596€612▲
Gross operating margin9900€1,742-€5,391▼
Operating profit (loss)9901€1,146-€6,003▼
Financial charges65/66B€78€90▲
Recurring financial charges65€78€90▲
Profit (loss) for the period before taxes9903€1,068-€6,093▼
Income taxes67/77€147€151▲
Profit (loss) for the period9904€921-€6,244▼
Profit (loss) for the period to be appropriated9905€921-€6,244▼
Appropriation of the result
Profit (loss) to be appropriated9906-€71,811-€78,054▼
Profit (loss) brought forward from the previous period14P-€72,732-€71,811▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20182019202020212022202320242025Change
Non-recurring operating income76A----€58,942----
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7,692€116€116€116€46----
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4---€300-€4,807----
Other operating charges640/8---€897€518€594€596€612▲ 2.6%
Non-recurring operating charges66A----€32,044----
Gross operating margin9900-€13,525-€17,708-€2,477-€3,458€56,892€2,648€1,742-€5,391-
Operating profit (loss)9901-€24,464-€19,099-€3,242-€4,771€29,091€2,054€1,146-€6,003-
Financial income75/76B---€284€3----
Recurring financial income75€105€2€19€284€3----
Financial charges65/66B---€642€915€608€78€90▲ 15.5%
Recurring financial charges65€6,784€1,273€1,810€642€915€608€78€90▲ 15.5%
Profit (loss) for the period before taxes9903-€31,143-€20,370-€5,033-€5,129€28,179€1,446€1,068-€6,093-
Income taxes67/77€234€224€213€229€311€333€147€151▲ 2.7%
Profit (loss) for the period9904-€31,377-€20,594-€5,246-€5,358€27,868€1,113€921-€6,244-
Profit (loss) for the period to be appropriated9905-€31,377-€20,594-€5,246-€5,358€27,868€1,113€921-€6,244-
Line20182019202020212022202320242025Change
Assets
Total assets20/58€45,872€35,188€32,566€30,680€1,568€938€5,251€2,141▼ 59.2%
Fixed assets21/28€716€600€484€368€322-€0€0-
Tangible fixed assets22/27€394€278€162€46--€0€0-
Plant, machinery and equipment23---€46--€0€0-
Furniture and vehicles24------€0€0-
Financial fixed assets28€322€322€322€322€322----
Current assets29/58€45,156€34,588€32,082€30,312€1,246€938€5,251€2,141▼ 59.2%
Stocks and contracts in progress3€29,741€27,237€25,537€28,995-----
Stocks30/36---€27,237-----
Contracts in progress37---€1,758-----
Amounts receivable within one year40/41€2,208-€120€500€1,188€938€4,765€584▼ 87.7%
Trade receivables40----€1,065€938€4,765€432▼ 90.9%
Other amounts receivable41---€500€123--€151-
Cash at bank and in hand54/58€3,598€1,928€402€1€58-€7€958▲ 143×
Deferred charges and accrued income490/1---€816--€479€599▲ 25.0%
Equity and liabilities
Total equity and liabilities10/49€45,872€35,188€32,566€30,680€1,568€938€5,251€2,141▼ 59.2%
Equity10/15-€42,406-€63,000-€68,246-€73,604-€45,736-€44,623-€43,702-€49,945▼ 14.3%
Contributions10/11€18,592€18,592-€18,592€18,592€18,592€18,592€18,592=
Reserves13€9,517€9,517€9,517€9,517€9,517€9,517€9,517€9,517=
Non-distributable reserves130/1---€1,859€1,859€1,859€1,859€1,859=
Reserves not available under the articles1311---€1,859€1,859€1,859€1,859€1,859=
Tax-exempt reserves132---€2,700€2,700€2,700€2,700€2,700=
Distributable reserves133---€4,958€4,958€4,958€4,958€4,958=
Profit (loss) carried forward14-€70,515-€91,109-€96,355-€101,713-€73,845-€72,732-€71,811-€78,054▼ 8.7%
Amounts payable17/49€88,278€98,188€100,812€104,284€47,304€45,561€48,953€52,086▲ 6.4%
Amounts payable within one year42/48€55,336€49,298€41,174€44,191€44,259€42,016€45,635€48,369▲ 6.0%
Financial debts43---€1-----
Credit institutions430/8---€1-----
Trade debts44€13,895€17,789€10,451€5,654€4,047€5,769€4,011€11,123▲ 177%
Suppliers440/4---€5,654€4,047€5,769€4,011€11,123▲ 177%
Advances received on contracts in progress46----€700----
Taxes, remuneration and social security45---€2,442€3,209€4,648€4,156€4,838▲ 16.4%
Taxes450/3---€442€1,209€2,648€2,156€2,838▲ 31.6%
Remuneration and social security454/9---€2,000€2,000€2,000€2,000€2,000=
Other amounts payable47/48---€36,094€36,303€31,599€37,468€32,408▼ 13.5%
Accrued charges and deferred income492/3---€60,093€3,045€3,545€3,317€3,717▲ 12.0%
Line20182019202020212022202320242025Change
Profit (loss) for the period9904-€31,377-€20,594-€5,246-€5,358€27,868€1,113€921-€6,244-
+ Depreciation and write-downs630€7,692€116€116€116€46----
Operating cash flow (approximation)-€23,685-€20,478-€5,130-€5,242€27,914€1,113€921-€6,244-
Investment in fixed assets (approximation)-€0€0€0€0--€0-
Change in cash--€1,670-€1,526-€401€57--€951-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Latest 10 of 35 filings with the National Bank
Financial year Type Filed Reference
31-12-2025 abbreviated format 24-09-2026 2026-00522485
31-12-2024 abbreviated format 28-10-2025 2025-00555325
31-12-2023 abbreviated format 31-08-2024 2024-00427663
31-12-2022 abbreviated format 26-10-2023 2023-00504843
31-12-2021 abbreviated format 31-08-2022 2022-20399299
31-12-2020 abbreviated format 29-10-2021 2021-75200457
31-12-2019 abbreviated format 29-10-2020 2020-64600520
31-12-2018 abbreviated format 22-10-2019 2019-70900360
31-12-2017 abbreviated format 30-07-2018 2018-41400581
31-12-2016 abbreviated format 29-08-2017 2017-55100039

Show all 35 filings

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 1,254 active companies whose main activity is retail sale of household textiles and bedding (NACE 47512), figures are known for 590. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 0 of 1 Gazette act processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

WYDO was incorporated on 12 April 1991.1 Total assets fell from €45,872 in 2018 to €2,141 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
24-09
NBB filing Annual accounts filed
financial year 2025 · abbreviated format · 55 days late
2025
28-10
NBB filing Annual accounts filed
financial year 2024 · abbreviated format · 89 days late
2024
31-08
NBB filing Annual accounts filed
financial year 2023 · abbreviated format · 31 days late
2023
26-10
NBB filing Annual accounts filed
financial year 2022 · abbreviated format · 87 days late
2022
31-12
Financial Back to profitnet €27,868
Net result €27,868 after 4 loss-making years.
31-08
NBB filing Annual accounts filed
financial year 2021 · abbreviated format · 31 days late
2021
29-10
NBB filing Annual accounts filed
financial year 2020 · abbreviated format · 90 days late
2020
29-10
NBB filing Annual accounts filed
financial year 2019 · abbreviated format · 90 days late
2019
22-10
NBB filing Annual accounts filed
financial year 2018 · abbreviated format · 83 days late
2018
30-07
NBB filing Annual accounts filed
financial year 2017 · abbreviated format
2017
29-08
NBB filing Annual accounts filed
financial year 2016 · abbreviated format · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 35 annual accounts filed, the latest 10 are here; all 35 are under Financials.
0 of 1 deed read
About the unread acts

We know of 1 Belgian Official Gazette act for this company. It has not 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.

Register details

Identification
Legal formPrivate limited company (pre-2019)
Founded12-04-1991
Financial year end31-12
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
31004Manufacture of dining room, living room, bedroom and bathroom furniture
46412Wholesale of household textiles and bedding
46494Wholesale of non-electrical household articles
47551Retail sale of household furniture
E-invoicing
Reachable via Peppol
Peppol ID 0208:0443889915
Also 9925:BE0443889915
Registered 23-10-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 25 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 1991
registered office establishment The establishment unit on the map
Ground area
477 m²
Building footprint
147 m²
Building volume
771 m³
Parcel 31039E0208/00F000, Flanders · tallest building 9.0 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
WYDO
Torenvalkstraat 6, 8300 Knokke-HeistManufacture of dining room, living room, bedroom and bathroom furniture
since 1991unit no. 2.052.835.942
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
31039E0208/00F000 Flanders 477 m² 1 · 147 m² 9.0 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.