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Complete company report
Generated 19-07-2026
Active BE 0791.800.607Private limited company

Zilverwerf Holding

Klein Engeland 36 ·2300 Turnhout, Belgium· 3 yrs active
Sector: Financial services (64210)
Conclusion Checked

Zilverwerf Holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €7.50M and a net result of €103k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 95% of 481 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €7.50M
Net result €103k
Staff (FTE) 0.1
Better than sector 95%
Snowflake analysis 5 axes · computed by Checked
Health0Profitability7Solvency100Growth78Stability94
56 / 100

Mixed profile: strong on solvency, weaker on health.

Health 0
Profitability 7
Solvency 100
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Financial overview5 NBB filings
Annual accounts filed on 18-05-2026 with the NBB · fiscal year 2025 · verkort
€-400k€-200k€0€200kOperating result 2022: €-28k€-28kNet result 2022: €-1k€-1kOperating result 2023: €2k€2kNet result 2023: €108k€108kOperating result 2024: €-352k€-352kNet result 2024: €-209k€-209kOperating result 2025: €-3k€-3kNet result 2025: €103k€103k2022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable Equity: stable across 4 fiscal years (±0.3%/year).
€6.50M€7.00M€7.50M€8.00M2026: €7.44M (€6.84M - €8.04M)2027: €7.41M (€6.81M - €8.01M)2028: €7.39M (€6.79M - €7.99M)2022: €7.50M2023: €7.60M2024: €7.40M2025: €7.50M2022202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 99.0% 42.5%
better than 95% of 481 sector peers
Net result €103k €72k
better than 58% of 481 sector peers
Equity €7.50M €473k
better than 95% of 481 sector peers
Gross operating margin €20k €88k
better than 22% of 480 sector peers
Staff costs €13k €69k
higher than 20% of 59 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€103k
- far above sector median
Total assets
€7.58M
-0.5% far above sector median
Equity
€7.50M
+1.4% far above sector median
Employees (FTE)
0
0.0% -88% vs sector
Staff costs
€13k
-1.1% -28% vs sector
Income taxes
€125
-85.7% -90% vs sector
Debt
€78k
-64.0% +291% vs sector
Debt ≤ 1y
€73k
-66.0% +272% vs sector
Debt > 1y
€0
-100.0% -100% vs sector
Solvency
99.0%
+1.9% +11% vs sector
ROE
1.4%
- far above sector median
ROA
1.4%
- far above sector median
Figures by fiscal year
Fiscal year2025
Revenuen/a
EBITDAn/a
Net profit€103k
Cash flown/a
Staff costs€13k
Income taxes€125
Dividends-
Total assets€7.58M
Equity€7.50M
Debt€78k
of which ≤ 1y€73k
of which > 1y-
Working capitaln/a
Employees (FTE)0.1
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency99.0%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA1.4%
ROE1.4%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€7.58M
Fixed assets 21/28€2.26M
Tangible fixed assets 22/27€35k
Financial fixed assets 28€2.22M
Current assets 29/58€5.32M
Amounts receivable within one year 40/41€269k
Investments 50/53€1.70M
Cash & bank 54/58€179k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€7.58M
Equity 10/15€7.50M
Contributions / capital 10/11€18k
Reserves 13€2.17M
Accumulated profits (losses) 14€5.31M
Amounts payable 17/49€78k
Amounts payable within one year 42/48€73k
Trade debts payable within one year 44€16k
Income statement
Gross operating margin 9900€20k
Operating result 9901€-3k
Financial income 75€106k
Financial charges 65€384
Result before taxes 9903€103k
Income taxes 67/77€125
Net result for the period 9904€103k
Result to be appropriated 9905€103k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation04-10-2022
StatusActive
Postal code2300
Establishment units 1 location
Zilverwerf Holding
Klein Engeland 36, 2300 TurnhoutHoldings
since 20222.337.479.175
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13040A0103/00G000 Flanders 523 m² 1 · 523 m² 13.0 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
18-05-2026
NBB filing Annual accounts filed
fiscal year 2025 · verkort
2025
18-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
09-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
2023
28-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
30-03-2023
State Gazette act Director changes
2022
28-10-2022
NBB filing Annual accounts filed
fiscal year 2022 · ander
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2023
30-03-2023 2 directors appointed, 2 resigning Director changes
  • Makibali CommV, Bestuurder
  • Beniers Martinus, Vast vertegenwoordigd
  • Beniers Martinus, Bestuurder
  • Minten Johanna, Bestuurder
Technical details 
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL Zilverwerf Holding
Registered office
Klein Engeland 36
2300 Turnhout, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative