WAML
ActiveWAML has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €78k and a net result of €14k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 6725 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
100
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability60▼-40
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.5 against 5.23 in 2023), and 23.3% 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
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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 21-07-2025, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
10 d early
2023
8 d early
2022
29 d late
2021
16 d early
2020
3 d early
2019
17 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€299k
EBIT margin
7.7%
Net result
€14k▲ 1.2%
2023 · €14k
2022: €5k
2023: €14k
2022 → 2024
Working capital
€59k▼ 3.8%
2023 · €61k
2022: €49k
2023: €61k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Turnover€299k
Equity€49k-€63k▲ 28.8%€78k▲ 22.6%
Operating result€8k-€23k▲ 184%€23k▲ 1.9%
Net result€5k-€14k▲ 163%€14k▲ 1.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 2% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €101k
Fixed assets
€19k▲ 878%
Current assets
€83k▲ 8.9%
Equity and liabilities €101k
Equity
€78k▲ 22.6%
Debt
€24k▲ 62.7%
The debt ratio rises from 18.7% to 23.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€23k▲
2023 · €23k
Cash flow
€15k▲
2023 · €14k
Solvency
76.7%▼
2023 · 81.3%
Current ratio
3.50▼
2023 · 5.23
Quick ratio
2.89▼
2023 · 4.55
Debt / equity
0.30▲
2023 · 0.23
ROE
18.5%▼
2023 · 22.4%
ROA
14.2%▼
2023 · 18.2%
Interest coverage
15.74▲
2023 · 11.17
Debt
€24k▲
2023 · €15k
Debt ≤ 1 year
€24k▲
2023 · €15k
Income taxes
€7k▲
2023 · €6k
Staff costs
€31k▲
2023 · €10k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€78k€101k▲
Fixed assets
21/28€2k€19k▲
Intangible fixed assets
21€0-
Tangible fixed assets
22/27€2k€18k▲
Financial fixed assets
28€257€257=
Current assets
29/58€76k€83k▲
Stocks & contracts in progress
3€10k€14k▲
Amounts receivable within one year
40/41€22k€11k▼
Cash & bank
54/58€42k€58k▲
Total equity & liabilities
10/49€78k€101k▲
Equity
10/15€63k€78k▲
Contributions / capital
10/11€16k€16k=
Reserves
13€1k€1k=
Accumulated profits (losses)
14€46k€60k▲
Amounts payable
17/49€15k€24k▲
Amounts payable within one year
42/48€15k€24k▲
Trade debts payable within one year
44€300-
Income statement
Code20232024
Turnover
70-€299k
Gross operating margin
9900€43k€56k▲
Operating result
9901€23k€23k▲
Financial charges
65€2k€1k▼
Result before taxes
9903€21k€22k▲
Income taxes
67/77€6k€7k▲
Net result for the period
9904€14k€14k▲
Result to be appropriated
9905€14k€14k▲
Timeline · acts, filings and financial milestones
2025
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €14k ▲1.2%
Operating result €23k, net result €14k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
07-06
State Gazette act
Director changes
Damien COLLON-WINDELINCKX
30-04
State Gazette act
Capital & shares
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
03-11
State Gazette act
Capital & shares
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
22-04
State Gazette act
Capital & shares
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
4 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 4 have been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
no sitting director, last change in 2024
No sitting directors are on record for this company in the CBE. Not every legal form publishes directors; if they appear in the Belgian State Gazette later, they show up here automatically.
07-06-2024
Resigned as Director
Not every act has been read: a resignation may be missing here
6 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Sint-Joost-ten-Node · 1 establishment unit since 2008
Ground area
186 m²
Building footprint
171 m²
Volume, LiDAR
3,862 m³
Parcel 21572B0481/00F000, Brussels · tallest building 25.0 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
LE SAINT-JOSSE
since 20082.174.592.322
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572B0481/00F000 | Brussels | 186 m² | 1 · 171 m² | 25.0 m · 7 fl. |
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.
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
VIASCIMI
BE 0673.499.110
Fosses-la-Ville · Eq €78k
WALMAC FACTORY
BE 0730.898.364
Waterloo · Eq €78k
DELI LOMMEL
BE 0464.421.746
Lommel · Eq €76k
SANICON
BE 0542.532.183
Vosselaar · Eq €79k
UZUN KILIC
BE 0848.890.154
Gent · Eq €76k
Of 2,396 companies in sector 47241 we hold annual accounts for 1,013. 878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2008
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 4 actsNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 24-07-2026. Scores and ratios are computed by Checked and are not a credit decision.