Age2 yrs
Real estate2 parcels · 1,105 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of WERNIE is 0.8% (low). The 2025 annual accounts show equity of €8k and a net result of €8k. Its solvency ranks better than 41% of 1360 sector peers (fiscal year 2025). 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 2 annual accounts.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-05-2026, 63 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. 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 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 29-05-2026 | 63 d early | 2026-00126246 |
| 31-12-2024 | 31-07-2025 | 15-02-2025 | 166 d early | 2025-00036028 |
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 signalsYoung 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 everyone0.8%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€8k
Working capital€-8k+61.9%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 29-05-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 13.2% | 22.9% | |
| Net result | €8k | €10k | |
| Equity | €8k | €44k | |
| Gross operating margin | €28k | €39k | |
| Total assets | €57k | €292k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€22k
-
24-25
€8k
-
24-25
€17k
-
24-25
€57k
+99.8%
24-25
€8k
-
24-25
€-8k
+61.9%
24-25
€3k
+1533.3%
24-25
€50k
+69.8%
24-25
Show 9 other metrics
€23k
-20.4%
24-25
€26k
-
24-25
0.65
+139.3%
24-25
0.65
+139.3%
24-25
13.2%
-
24-25
6.60
-
24-25
108.4%
-87.9%
24-25
14.3%
-
24-25
13.49
-
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €22k |
| Net profit | €8k |
| Cash flow | €17k |
| Staff costs | - |
| Income taxes | €3k |
| Dividends | - |
| Total assets | €57k |
| Equity | €8k |
| Debt | €50k |
| of which ≤ 1y | €23k |
| of which > 1y | €26k |
| Working capital | €-8k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 0.65 |
| Quick ratio | 0.65 |
| Working capital ratio | -14.2% |
| Solvency | 13.2% |
| Debt / equity | 6.60 |
| Long-term debt ratio | 3.51 |
| Interest coverage | 13.49 |
| Gross margin | - |
| Net margin | - |
| ROA | 14.3% |
| ROE | 108.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €57k |
| Fixed assets | 21/28 | €42k |
| Tangible fixed assets | 22/27 | €42k |
| Current assets | 29/58 | €15k |
| Amounts receivable within one year | 40/41 | €7k |
| Cash & bank | 54/58 | €8k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €57k |
| Equity | 10/15 | €8k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €3k |
| Accumulated profits (losses) | 14 | €7 |
| Amounts payable | 17/49 | €50k |
| Amounts payable after one year | 17 | €26k |
| Amounts payable within one year | 42/48 | €23k |
| Trade debts payable within one year | 44 | €131 |
| Income statement | ||
| Gross operating margin | 9900 | €28k |
| Operating result | 9901 | €13k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €12k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €8k |
| Result to be appropriated | 9905 | €8k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed56
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Stokkellaan 208400 OostendeEstablishment units
1 locationWERNIE
since 20242.355.678.553
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,105 m²
Buildings2
Building footprint234 m²
Volume (LiDAR)1,507 m³
Tallest building12.2 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35005B0442/00M000 | Flanders | 906 m² | 1 · 177 m² | 7.6 m · 2 fl. |
| 35020C0252/00M000 | Flanders | 200 m² | 1 · 57 m² | 12.2 m · 3 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Address history · 1
27-01-2026
v3.2
All acts · 2
updated 6 months ago
2026
27-01-2026 Registered office moved from Gistel to Oostende
2024
14-02-2024 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured66
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
56
Profitability
100
Solvency
12
Growth
78
Stability
82
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 1,385 of the 11,733 companies in this sector. 832 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311
Primary activity highlighted.
Names & trade names
| Legal nameNL | WERNIE |
Registered office
Stokkellaan 20
8400 Oostende, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.