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wAnd

Active
Private limited company·Activiteiten van holdings· 2 yrs active
Hemelrijkstraat 105 ·9051 Gent, Belgium
KBO/BCE: BE 1008.626.487
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Age2 yrs
Real estate1 parcel · 5,907 m²

Summary

Conclusion

the dossier summarised in one paragraph

wAnd 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 €219k and a net result of €218k. Its solvency ranks better than 69% of 3139 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 17-06-2025 44 d early 2025-00150732

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€219k
Net result€218k
Total assets€312k
Solvency70.2%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 17-06-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 70.2% 52.5%
better than 69% of 3139 sector peers
Net result €218k €32k
better than 95% of 3135 sector peers
Equity €219k €75k
better than 79% of 3140 sector peers
Gross operating margin €296k €52k
better than 95% of 3132 sector peers
Total assets €312k €192k
better than 64% of 3141 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€218k
Cash flown/a
Staff costs-
Income taxes€78k
Dividends-
Total assets€312k
Equity€219k
Debt€93k
of which ≤ 1y€93k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency70.2%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA69.9%
ROE99.5%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€312k
Current assets 29/58€312k
Amounts receivable within one year 40/41€48k
Cash & bank 54/58€261k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€312k
Equity 10/15€219k
Contributions / capital 10/11€1k
Reserves 13€218k
Amounts payable 17/49€93k
Amounts payable within one year 42/48€93k
Trade debts payable within one year 44€758
Income statement
Gross operating margin 9900€296k
Operating result 9901€295k
Financial income 75€760
Result before taxes 9903€295k
Income taxes 67/77€78k
Net result for the period 9904€218k
Result to be appropriated 9905€100k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
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.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Hemelrijkstraat 1059051 Gent

Establishment units

1 location
wAnd
Hemelrijkstraat 105, 9051 GentManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.
since 20242.359.639.816
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area5,907 m²
Buildings1
Building footprint399 m²
Volume (LiDAR)2,197 m³
Tallest building9.5 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44062B0424/00A000 Flanders 5,907 m² 1 · 399 m² 9.5 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
Address history · 1
10-01-2025
Registered-office move
All acts · 1 updated 1 year ago
2025
10-01-2025 Registered office moved within Sint-Denijs-Westrem Registered-office change
  • Rosdamstraat 5, 9051 Sint-Denijs-Westrem → Hemelrijkstraat 105, 9051 Sint-Denijs-Westrem

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability100Solvency100Growth-Stability67
89 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 100
Growth -
Stability 67

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AI due-diligence brief

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,518 of the 24,679 companies in this sector. 3,965 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
Legal nameNL wAnd
Registered office
Hemelrijkstraat 105
9051 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.