PWA Consulting
ActiveSummary
PWA Consulting has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €77k and a net result of €77k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+8
Solvency43▼-57
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 4.17 in 2024; short-term debt: 81.9% and cash: 87.5% of total assets), and 81.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
18.1%
Return on assets
18.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 20%
← weakest
strongest →
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
59 d early
2023
8 d early
2022
on the day
2021
6 d early
2020
30 d late
2019
74 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▼ 77.5%
2024 · €342k
2018: €222k
2019: €273k
2020: €336k
2021: €318k
2022: €392k
2023: €359k
2024: €342k
2018 → 2025
Total assets
€426k▼ 5.3%
2024 · €449k
2018: €235k
2019: €285k
2020: €346k
2021: €420k
2022: €402k
2023: €459k
2024: €449k
2018 → 2025
Net result
€77k▼ 6.2%
2024 · €82k
2018: €65k
2019: €51k
2020: €63k
2021: €61k
2022: €74k
2023: €57k
2024: €82k
2018 → 2025
Working capital
€75k▼ 77.9%
2024 · €342k
2018: €220k
2019: €272k
2020: €335k
2021: €318k
2022: €388k
2023: €357k
2024: €342k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€318k-€392k▲ 23.3%€359k▼ 8.4%€342k▼ 4.9%€77k▼ 77.5%
Operating result€79k-€93k▲ 17.8%€81k▼ 12.5%€105k▲ 30.0%€98k▼ 6.6%
Net result€61k-€74k▲ 20.9%€57k▼ 22.9%€82k▲ 44.0%€77k▼ 6.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €426k
Fixed assets
€1k
Current assets
€424k
Equity and liabilities €426k
Equity
€77k ▼ 77.5%
Debt
€349k ▲ 224%
Debt's share of the balance-sheet total rises from 24.0% to 81.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€98k
Cash flow
€77k
Current ratio
1.22▼
2024 · 4.17
Debt to equity
4.54▲
2024 · 0.32
ROE
100.4%▲
2024 · 24.1%
ROA
18.1%▼
2024 · 18.3%
Interest coverage
419.09
Debt ≤ 1 year
€349k▲
2024 · €108k
Income taxes
€21k▼
2024 · €22k
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 · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€449k€426k▼
Fixed assets21/28-€1k
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Current assets29/58€449k€424k▼
Amounts receivable within one year40/41€40k€44k▲
Trade receivables40€40k€43k▲
Other amounts receivable41-€1k
Cash at bank and in hand54/58€398k€373k▼
Deferred charges and accrued income490/1€11k€8k▼
Equity and liabilities
Total equity and liabilities10/49€449k€426k▼
Equity10/15€342k€77k▼
Contributions10/11€19k€19k=
Reserves13€58k€58k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€56k€56k=
Profit (loss) carried forward14€265k€3▼
Amounts payable17/49€108k€349k▲
Amounts payable within one year42/48€108k€349k▲
Trade debts44€1k€936▼
Suppliers440/4€1k€936▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48€102k€342k▲
Income statement
Code20242025
Non-recurring operating income76A€9k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€41
Other operating charges640/8€999€780▼
Gross operating margin9900€106k€99k▼
Operating profit (loss)9901€105k€98k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€1k€235▼
Recurring financial charges65€1k€235▼
Profit (loss) for the period before taxes9903€104k€98k▼
Income taxes67/77€22k€21k▼
Profit (loss) for the period9904€82k€77k▼
Profit (loss) for the period to be appropriated9905€82k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€365k€342k▼
Profit (loss) brought forward from the previous period14P€283k€265k▼
Profit to be distributed694/7€100k€342k▲
Return on contributions (dividend)694€100k€342k▲
The notes to these accounts (5 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €82k ▲44%
Operating result €105k, net result €82k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 10current ratio 40.44
Current ratio from 4.13 to 40.44; short-term debt falls from €102k to €10k.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
13-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 74 days late
2019
31-12
Financial
Weakest financial yearnet €51k ▼21%
Net result drops to €51k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Braine-le-Comte · 1 establishment unit since 2015
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.
Chemin du Nesplier 237090 Braine-le-ComteGround area
1,004 m²
Building footprint
190 m²
Parcel 55302C0823/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
PWA Consulting
since 20152.242.500.042
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55302C0823/00F000 | Wallonia | 1,004 m² | 1 · 190 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.
Similar companies · same sector, comparable size
Lodewijckx Adviesburo
BE 0784.610.927
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UNICORN CONSULTING
BE 0475.424.516
Sint-Pieters-Woluwe · Eq €76,854
AADV
BE 0713.452.519
Wavre · Eq €76,853
SWC
BE 0792.990.044
Hasselt · Eq €76,878
TRANSALYS
BE 0740.449.203
Brussel · Eq €76,848
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,578 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
Founded21-05-2015
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477/710067