Summary
NWOW is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €190k and a net result of €21k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 54% of 2777 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
49 d early
2022
39 d early
2021
31 d early
2020
22 d early
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Equity
€190k▲ 12.5%
2023 · €169k
2018: €15k
2019: €41k
2020: €83k
2021: €117k
2022: €142k
2023: €169k
2018 → 2024
Net result
€21k▼ 23.0%
2023 · €27k
2018: €14k
2019: €27k
2020: €41k
2021: €35k
2022: €24k
2023: €27k
2018 → 2024
Total assets
€306k▼ 4.8%
2023 · €322k
2018: €289k
2019: €278k
2020: €308k
2021: €357k
2022: €334k
2023: €322k
2018 → 2024
Solvency
62.2%▲ 9.6pp
2023 · 52.6%
2018: 5.0%
2019: 14.9%
2020: 26.8%
2021: 32.9%
2022: 42.5%
2023: 52.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€83k-€117k▲ 42.3%€142k▲ 20.7%€169k▲ 19.4%€190k▲ 12.5%
Operating result€54k-€37k▼ 32.0%€32k▼ 13.0%€33k▲ 4.5%€30k▼ 10.5%
Net result€41k-€35k▼ 15.0%€24k▼ 30.3%€27k▲ 13.0%€21k▼ 23.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 11% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €306k
Fixed assets
€268k ▼ 4.3%
Current assets
€38k ▼ 8.4%
Equity and liabilities €306k
Equity
€190k ▲ 12.5%
Debt
€116k ▼ 24.1%
Debt's share of the balance-sheet total falls from 47.4% to 37.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
11.1%▼
2023 · 16.2%
ROA
6.9%▼
2023 · 8.5%
Debt ≤ 1 year
€44k▼
2023 · €45k
Debt > 1 year
€71k▼
2023 · €108k
Income taxes
€6k▲
2023 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€322k€306k▼
Fixed assets21/28€280k€268k▼
Tangible fixed assets22/27€30k€18k▼
Furniture and vehicles24€1k€983▼
Leasing and similar rights25€28k€17k▼
Financial fixed assets28€250k€250k=
Current assets29/58€42k€38k▼
Amounts receivable within one year40/41€12k€2k▼
Trade receivables40€12k-
Other amounts receivable41-€2k
Cash at bank and in hand54/58€29k€36k▲
Deferred charges and accrued income490/1€424€416▼
Equity and liabilities
Total equity and liabilities10/49€322k€306k▼
Equity10/15€169k€190k▲
Contributions10/11€200€200=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€151k€172k▲
Amounts payable17/49€152k€116k▼
Amounts payable after more than one year17€108k€71k▼
Financial debts170/4€108k€71k▼
Amounts payable within one year42/48€45k€44k▼
Current portion of amounts payable after more than one year42€36k€37k▲
Trade debts44€2k€959▼
Suppliers440/4€2k€959▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€871€234▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€46k€43k▼
Operating profit (loss)9901€33k€30k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€30k€27k▼
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€27k€21k▼
Profit (loss) for the period to be appropriated9905€27k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€151k€172k▲
Profit (loss) brought forward from the previous period14P€123k€151k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €150kEq €169k ▲19.4%
6 profitable years in a row build equity to €169k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €100kEq €117k ▲42.3%
4 profitable years in a row build equity to €117k.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €41k ▲52.7%
Operating result €54k, net result €41k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · full 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, Wavre · 1 establishment unit since 2018
Ground area
3,442 m²
Building footprint
272 m²
Parcel 25772F0126/00A004, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chaussée de Louvain 473A, 1300 Wavre
since 20182.276.976.218
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25772F0126/00A004 | Wallonia | 3,442 m² | 1 · 272 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,502 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.