1wAVe
Active1wAVe has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €133k and a net result of €53k. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+86
Solvency86▲+15
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.4 against 1.78 in 2024; short-term debt: 39.5% and cash: 44.9% of total assets), and 39.5% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
60.5%
Return on assets
24.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
7 d late
2023
27 d late
2022
3 d early
2021
30 d late
2020
24 d late
2019
54 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€281k
EBIT margin
0.8%
Net result
€53k
2024 · €-7k
2018: €476
2019: €10k
2020: €25k
2021: €33k
2022: €15k
2023: €16k
2024: €-7k
2018 → 2025
Working capital
€122k▲ 69.3%
2024 · €72k
2018: €17k
2019: €27k
2020: €40k
2021: €61k
2022: €57k
2023: €79k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€68k▼ 10.7%€87k▲ 27.5%€80k▼ 8.5%€133k▲ 66.9%
Operating result€44k-€31k▼ 29.6%€24k▼ 22.0%€-5k€74k
Net result€33k-€15k▼ 53.3%€16k▲ 7.4%€-7k€53k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €74k after a loss of €5k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€11k▲ 44.5%
Current assets
€209k▲ 27.3%
Equity and liabilities €220k
Equity
€133k▲ 66.9%
Debt
€87k▼ 5.6%
The debt ratio falls from 53.6% to 39.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€78k▲
2024 · €-2k
Cash flow
€57k▲
2024 · €-5k
Solvency
60.5%▲
2024 · 46.4%
Current ratio
2.40▲
2024 · 1.78
Quick ratio
2.40▲
2024 · 1.78
Debt / equity
0.65▼
2024 · 1.15
ROE
40.1%▲
2024 · -9.3%
ROA
24.3%▲
2024 · -4.3%
Interest coverage
24.29▲
2024 · -1.90
Debt
€87k▼
2024 · €92k
Debt ≤ 1 year
€87k▼
2024 · €92k
Income taxes
€18k▲
2024 · €2k
Staff costs
€46k▲
2024 · €18k
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€172k€220k▲
Fixed assets21/28€8k€11k▲
Tangible fixed assets22/27€8k€11k▲
Plant, machinery and equipment23€3k€7k▲
Furniture and vehicles24€5k€4k▼
Financial fixed assets28€250€250=
Current assets29/58€164k€209k▲
Amounts receivable within one year40/41€75k€109k▲
Trade receivables40€64k€105k▲
Other amounts receivable41€11k€4k▼
Cash at bank and in hand54/58€89k€99k▲
Deferred charges and accrued income490/1-€693
Equity and liabilities
Total equity and liabilities10/49€172k€220k▲
Equity10/15€80k€133k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€59k€113k▲
Amounts payable17/49€92k€87k▼
Amounts payable within one year42/48€92k€87k▼
Current portion of amounts payable after more than one year42-€10k
Trade debts44€56k€14k▼
Suppliers440/4€56k€14k▼
Taxes, remuneration and social security45€36k€63k▲
Taxes450/3€36k€58k▲
Remuneration and social security454/9-€5k
Income statement
Code20242025
Remuneration, social security and pensions62€18k€46k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€17k€125k▲
Operating profit (loss)9901€-5k€74k▲
Financial income75/76B€1k€562▼
Recurring financial income75€1k€562▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-5k€71k▲
Income taxes67/77€2k€18k▲
Profit (loss) for the period9904€-7k€53k▲
Profit (loss) for the period to be appropriated9905€-7k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€113k▲
Profit (loss) brought forward from the previous period14P€67k€59k▼
Social balance
Average headcount (FTE)90870.51.0▲
The notes to these accounts (6 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
31-12
Financial
Equity above €100kEq €133k ▲66.9%
Equity rises from €80k to €133k.
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 7 days late
2024
31-12
Financial
Weakest financial yearnet €-7k ▼145%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 54 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 9 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Marchin · 1 establishment unit since 2016
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.
Rue de l'Eglise 194570 MarchinGround area
3,303 m²
Building footprint
269 m²
Volume, LiDAR
1,888 m³
2 parcels, Wallonia · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
1wAVe
since 20162.250.368.722
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61032B0424/00P000 | Wallonia | 1,741 m² | 1 · 189 m² | 13.1 m · 2 fl. |
| 61039C0442/00G002 | Wallonia | 1,562 m² | 1 · 81 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,429 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2016
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47430Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:francois.deman@gmail.com
Phone:0478/566482