W.BD COLLECTIONS
ActiveThe computed 12-month bankruptcy probability of W.BD COLLECTIONS is 2.5% (moderate). The 2025 annual accounts show equity of €56k and a net result of €-6k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 75% of 18035 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-78
Solvency99=
Growth52=
Stability94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 2.63 in 2024), and 35.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
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 2025Solvency, return and age of the figures
Solvency
64.2%
Return on assets
-6.9%
Age of the figures
9 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 22-07-2026, 9 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
9 d early
2024
30 d early
2023
45 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▼ 9.7%
2024 · €62k
2023: €52k
2024: €62k
2023 → 2025
Total assets
€88k▼ 12.6%
2024 · €100k
2023: €76k
2024: €100k
2023 → 2025
Net result
€-6k
2024 · €10k
2023: €51k
2024: €10k
2023 → 2025
Working capital
€55k▼ 11.5%
2024 · €62k
2023: €52k
2024: €62k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€52k-€62k▲ 18.5%€56k▼ 9.7%
Operating result€65k-€14k▼ 78.7%€-5k
Net result€51k-€10k▼ 81.2%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €14k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88k
Fixed assets
€1k▲ 271%
Current assets
€86k▼ 13.7%
Equity and liabilities €88k
Equity
€56k▼ 9.7%
Debt
€31k▼ 17.4%
The debt ratio falls from 37.9% to 35.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-4k▼
2024 · €14k
Cash flow
€-6k▼
2024 · €10k
Solvency
64.2%▲
2024 · 62.1%
Current ratio
2.74▲
2024 · 2.63
Quick ratio
1.07▼
2024 · 2.30
Debt / equity
0.56▼
2024 · 0.61
ROE
-10.7%▼
2024 · 15.6%
ROA
-6.9%▼
2024 · 9.7%
Interest coverage
-3.26▼
2024 · 9.36
Debt
€31k▼
2024 · €38k
Debt ≤ 1 year
€31k▼
2024 · €38k
Income taxes
€-30▼
2024 · €3k
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€100k€88k▼
Fixed assets21/28€394€1k▲
Tangible fixed assets22/27€394€1k▲
Furniture and vehicles24€394€1k▲
Current assets29/58€100k€86k▼
Stocks and contracts in progress3€12k€52k▲
Stocks30/36€12k€52k▲
Amounts receivable within one year40/41€35k€20k▼
Trade receivables40€32k€18k▼
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€51k€13k▼
Deferred charges and accrued income490/1€887€1k▲
Equity and liabilities
Total equity and liabilities10/49€100k€88k▼
Equity10/15€62k€56k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€61k€55k▼
Amounts payable17/49€38k€31k▼
Amounts payable within one year42/48€38k€31k▼
Trade debts44€28k€2k▼
Suppliers440/4€28k€2k▼
Taxes, remuneration and social security45€3k€0▼
Taxes450/3€3k€0▼
Other amounts payable47/48€8k€30k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€385€385=
Other operating charges640/8€1k€689▼
Gross operating margin9900€15k€-4k▼
Operating profit (loss)9901€14k€-5k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€12k€-6k▼
Income taxes67/77€3k€-30▼
Profit (loss) for the period9904€10k€-6k▼
Profit (loss) for the period to be appropriated9905€10k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€55k▼
Profit (loss) brought forward from the previous period14P€51k€61k▲
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
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-6k ▼162%
Net result drops to €-6k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 45 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, Sombreffe · 1 establishment unit since 2022
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 Wavre 465140 SombreffeGround area
569 m²
Building footprint
160 m²
Parcel 92114E0565/00X000, Wallonia. Linked by address, not a title deed.
1 establishment unit
W.BD COLLECTIONS
since 20222.338.728.495
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92114E0565/00X000 | Wallonia | 569 m² | 1 · 160 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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JARDIN SCHMIDT
BE 0452.625.358
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DEENILEARN
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BB BOOKS
BE 0803.272.440
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Replica Books
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LA BOUTIQUE DU LIEU
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Liège · Eq €58k
Of 602 companies in sector 47610 we hold annual accounts for 241. 202 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2022
Fiscal year end31-12
Activities, NACEBEL
47610Retail trade
47793Retail sale of other second-hand goods, excluding clothing
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.