WERKwoord
ActiveSummary
WERKwoord has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €215k and a net result of €32k. Equity is growing by ~20.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-11
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 25.25 against 5.63 in 2024; short-term debt: 3.6% and cash: 81.3% of total assets), and 3.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
96.4%
Return on assets
14.4%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
30 d early
2023
12 d early
2022
8 d late
2021
12 d late
2020
25 d late
2019
12 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
€215k▼ 21.8%
2024 · €275k
2018: €49k
2019: €77k
2020: €108k
2021: €141k
2022: €181k
2023: €214k
2024: €275k
2018 → 2025
Total assets
€223k▼ 32.1%
2024 · €329k
2018: €83k
2019: €105k
2020: €128k
2021: €148k
2022: €192k
2023: €252k
2024: €329k
2018 → 2025
Net result
€32k▼ 57.5%
2024 · €76k
2018: €15k
2019: €28k
2020: €32k
2021: €33k
2022: €40k
2023: €61k
2024: €76k
2018 → 2025
Working capital
€197k▼ 20.8%
2024 · €249k
2018: €57k
2019: €60k
2020: €93k
2021: €126k
2022: €160k
2023: €195k
2024: €249k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€181k▲ 28.7%€214k▲ 18.3%€275k▲ 28.2%€215k▼ 21.8%
Operating result€46k-€57k▲ 22.8%€86k▲ 51.2%€108k▲ 26.3%€44k▼ 59.5%
Net result€33k-€40k▲ 23.9%€61k▲ 49.9%€76k▲ 25.0%€32k▼ 57.5%
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 59% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€18k ▼ 31.1%
Current assets
€205k ▼ 32.2%
Equity and liabilities €223k
Equity
€215k ▼ 21.8%
Debt
€8k ▼ 84.9%
Debt's share of the balance-sheet total falls from 16.4% to 3.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €112k
Cash flow
€40k▼
2024 · €80k
Current ratio
25.25▲
2024 · 5.63
Debt to equity
0.04▼
2024 · 0.20
ROE
15.0%▼
2024 · 27.5%
ROA
14.4%▼
2024 · 23.0%
Interest coverage
433.05▲
2024 · 39.14
Debt ≤ 1 year
€8k▼
2024 · €54k
Income taxes
€13k▼
2024 · €30k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€329k€223k▼
Fixed assets21/28€26k€18k▼
Tangible fixed assets22/27€26k€18k▼
Land and buildings22€15k€13k▼
Plant, machinery and equipment23€31€0▼
Furniture and vehicles24€11k€5k▼
Current assets29/58€303k€205k▼
Amounts receivable within one year40/41€33k€21k▼
Trade receivables40€27k€15k▼
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€268k€181k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€329k€223k▼
Equity10/15€275k€215k▼
Contributions10/11€6k€6k=
Reserves13€269k€209k▼
Tax-exempt reserves132€82€82=
Distributable reserves133€269k€209k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€54k€8k▼
Amounts payable within one year42/48€54k€8k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€10k€6k▼
Other amounts payable47/48€40k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€8k▲
Other operating charges640/8€837€729▼
Gross operating margin9900€113k€53k▼
Operating profit (loss)9901€108k€44k▼
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€3k€120▼
Recurring financial charges65€3k€120▼
Profit (loss) for the period before taxes9903€105k€45k▼
Income taxes67/77€30k€13k▼
Profit (loss) for the period9904€76k€32k▼
Profit (loss) for the period to be appropriated9905€76k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€32k▼
Transfer from equity791/2€15k€92k▲
Transfer to equity691/2€76k€32k▼
To other reserves6921€76k€32k▼
Profit to be distributed694/7€15k€92k▲
Return on contributions (dividend)694€15k€92k▲
The notes to these accounts (4 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 25.25
Current ratio from 5.63 to 25.25; short-term debt falls from €54k to €8k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €76k ▲25%
Operating result €108k, net result €76k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €214k ▲18.3%
6 profitable years in a row build equity to €214k.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Equity above €150kEq €181k ▲28.7%
5 profitable years in a row build equity to €181k.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 18.51
Current ratio from 5.69 to 18.51; short-term debt falls from €20k to €7k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Equity above €100kEq €108k ▲41.2%
3 profitable years in a row build equity to €108k.
Show earlier events
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Zonhoven · 1 establishment unit since 2016
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.
Keurstraat 233520 ZonhovenGround area
2,074 m²
Building footprint
276 m²
Volume, LiDAR
1,701 m³
2 parcels, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WERKwoord
since 20162.249.142.265
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443F0608/00C000 | Flanders | 1,371 m² | 1 · 142 m² | 9.7 m · 2 fl. |
| 71443F0616/00V002 | Flanders | 703 m² | 1 · 134 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,557 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
Founded05-01-2016
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.