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WYS

Active
Private limited companyfounded 20179 yrs activeKoornbloemstraat 126, 2610 Antwerpen, BelgiumKBO/BCE: BE 0669.699.678
Summary

The computed 12-month bankruptcy probability of WYS is 1.6% (moderate). The 2024 annual accounts show equity of €106,614 and a net result of -€3,322. Equity is shrinking by ~8.5% per year across the filed fiscal years. The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2024
Axes · tick = 2023
Profitability30▼-6
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
cash: 6.9% of total assets, and 0% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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 2024
Solvency, return and age of the figures
Solvency
100%
Return on assets
-3.1%
Age of the figures
21 mo
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 25-06-2026, 36 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
36 d early
2024
54 d late
2023
4 d late
2022
17 d late
2021
46 d early
2020
27 d late
2019
60 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 6 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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. Usually files around 5 August (4 of the last 5 filed years within 49 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 17 January 2017, WYS was incorporated.1 Total assets went from EUR 197,362 in 2018 to EUR 106,614 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€106,614▼ 3.0%
2023 · €109,936
Total assets
€106,614▼ 3.3%
2023 · €110,202
Net result
-€3,322▼ 387%
2023 · -€682
Working capital
€10,644▼ 89.9%
2019 · €105,603
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result-€1,566-€1,963▼ 25.3%-€233▲ 88.1%-€462▼ 98.4%-€3,224▼ 597%
Net result-€855-€192▲ 77.5%-€532▼ 177%-€682▼ 28.1%-€3,322▼ 387%
Equity€191,342▼ 0.4%€191,150▼ 0.1%€110,618▼ 42.1%€109,936▼ 0.6%€106,614▼ 3.0%
Total assets€191,342▼ 3.5%€191,150▼ 0.1%€110,618▼ 42.1%€110,202▼ 0.4%€106,614▼ 3.3%
Debt€266
Working capital€10,644
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€4,000-€3,000-€2,000-€1,000€0Operating result 2020: -€1,566-€1,566Net result 2020: -€855-€855Operating result 2021: -€1,963-€1,963Net result 2021: -€192-€192Operating result 2022: -€233-€233Net result 2022: -€532-€532Operating result 2023: -€462-€462Net result 2023: -€682-€682Operating result 2024: -€3,224-€3,224Net result 2024: -€3,322-€3,32220202021202220232024-€4,000-€3,000-€2,000-€1,000€0Operating result 2022: -€233-€233Net result 2022: -€532-€532Operating result 2023: -€462-€462Net result 2023: -€682-€682Operating result 2024: -€3,224-€3,220Net result 2024: -€3,322-€3,320202220232024
The operating result stays negative: a loss of €3,224 in 2024 against €462 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €106,614
Fixed assets €99,291 =
Current assets €7,323 ▼ 32.9%
Key figures and ratios
2024 value · change against 2023
Solvency
100.0%▲
2023 · 99.8%
ROE
-3.1%▼
2023 · -0.6%
ROA
-3.1%▼
2023 · -0.6%
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,441 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a small loss
2.3% went bankrupt
7.5% stopped otherwise
90% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.6% 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 497,340 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% 1.0%
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% 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 3,441 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 · 2024 against 2023 · 31 lines
Balance sheet Code20232024
Assets
Total assets20/58€110,202€106,614▼
Fixed assets21/28€99,291€99,291=
Tangible fixed assets22/27€99,291€99,291=
Land and buildings22€92,866€92,866=
Plant, machinery and equipment23€6,425€6,425=
Current assets29/58€10,911€7,323▼
Cash at bank and in hand54/58€10,911€7,323▼
Equity and liabilities
Total equity and liabilities10/49€110,202€106,614▼
Equity10/15€109,936€106,614▼
Contributions10/11€40,557€8,056▼
Capital10€40,557-
Issued capital100€40,557-
Reserves13€11,576€44,078▲
Non-distributable reserves130/1€8,056-
Reserves not available under the articles1311€8,056-
Distributable reserves133€3,521€44,078▲
Profit (loss) carried forward14€57,802€54,480▼
Amounts payable17/49€266-
Amounts payable within one year42/48€266-
Other amounts payable47/48€266-
Income statement Code20232024
Other operating charges640/8€1,267€1,315▲
Gross operating margin9900€804-€1,909▼
Operating profit (loss)9901-€462-€3,224▼
Financial charges65/66B€109€98▼
Recurring financial charges65€109€98▼
Profit (loss) for the period before taxes9903-€571-€3,322▼
Income taxes67/77€111-
Profit (loss) for the period9904-€682-€3,322▼
Profit (loss) for the period to be appropriated9905-€682-€3,322▼
Appropriation of the result
Profit (loss) to be appropriated9906€57,802€54,480▼
Profit (loss) brought forward from the previous period14P€58,484€57,802▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Other operating charges640/8-€1,154€1,176€1,267€1,315▲ 3.8%
Gross operating margin9900-€470-€809€943€804-€1,909▼ 337%
Operating profit (loss)9901-€1,566-€1,963-€233-€462-€3,224▼ 597%
Financial income75/76B-€2,444----
Recurring financial income75€2,323€2,444----
Financial charges65/66B-€67€94€109€98▼ 10.1%
Recurring financial charges65€133€67€94€109€98▼ 10.1%
Profit (loss) for the period before taxes9903€624€415-€327-€571-€3,322▼ 481%
Income taxes67/77€1,478€607€205€111--
Profit (loss) for the period9904-€855-€192-€532-€682-€3,322▼ 387%
Profit (loss) for the period to be appropriated9905-€855-€192-€532-€682-€3,322▼ 387%
Line20202021202220232024Change
Assets
Total assets20/58€191,342€191,150€110,618€110,202€106,614▼ 3.3%
Fixed assets21/28€99,291€99,291€99,291€99,291€99,291=
Tangible fixed assets22/27€99,291€99,291€99,291€99,291€99,291=
Land and buildings22-€92,866€92,866€92,866€92,866=
Plant, machinery and equipment23-€6,425€6,425€6,425€6,425=
Current assets29/58€92,051€91,859€11,326€10,911€7,323▼ 32.9%
Amounts receivable within one year40/41€81,028€83,925----
Other amounts receivable41-€83,925----
Cash at bank and in hand54/58€8,523€7,934€11,326€10,911€7,323▼ 32.9%
Equity and liabilities
Total equity and liabilities10/49€191,342€191,150€110,618€110,202€106,614▼ 3.3%
Equity10/15€191,342€191,150€110,618€109,936€106,614▼ 3.0%
Contributions10/11€80,557€80,557€40,557€40,557€8,056▼ 80.1%
Capital10-€80,557-€40,557--
Issued capital100-€80,557-€40,557--
Outside capital11--€40,557---
Other1109/19--€40,557---
Reserves13€11,576€11,576€11,576€11,576€44,078▲ 281%
Non-distributable reserves130/1-€8,056€8,056€8,056--
Legal reserve130-€8,056----
Reserves not available under the articles1311--€8,056€8,056--
Distributable reserves133-€3,521€3,521€3,521€44,078▲ 1,152%
Profit (loss) carried forward14€99,208€99,016€58,484€57,802€54,480▼ 5.7%
Amounts payable17/49---€266--
Amounts payable within one year42/48---€266--
Other amounts payable47/48---€266--
Line20202021202220232024Change
Profit (loss) for the period9904-€855-€192-€532-€682-€3,322▼ 387%
Operating cash flow (approximation)-€855-€192-€532-€682-€3,322▼ 387%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash--€589€3,393-€416-€3,588▼ 763%

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

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
25-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
23-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial Weakest financial yearnet -€3,322
Net result drops to -€3,322, the lowest in the series.
04-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 4 days late
2023
17-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
15-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
27-08
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
01-06
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
17-09
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 48 days late
2018
13-06
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Antwerpen · 1 establishment unit since 2017
seat establishment The establishment unit on the map
Ground area
209 m²
Building footprint
76 m²
Volume, LiDAR
603 m³
Parcel 11462A0394/00H002, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
WYS
Koornbloemstraat 126, 2610 AntwerpenActivities auxiliary to financial services and insurance activities
since 20172.262.474.916
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11462A0394/00H002 Flanders 209 m² 1 · 76 m² 10.5 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded17-01-2017
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

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

Register as of 30 September 2026 · Peppol Directory

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