WFC KARSON is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €284k and a net result of €-29k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 5523 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
30 d early
2023
269 d late
2022
635 d late
2021
22 d early
2020
6 d early
2019
23 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€284k▼ 9.3%
2024 · €313k
2018: €238k
2019: €218k
2020: €239k
2021: €268k
2022: €273k
2023: €286k
2024: €313k
2018 → 2025
Net result
€-29k
2024 · €14k
2018: €20k
2019: €-20k
2020: €21k
2021: €29k
2022: €5k
2023: €13k
2024: €14k
2018 → 2025
Total assets
€861k▼ 7.2%
2024 · €928k
2018: €274k
2019: €245k
2020: €288k
2021: €1.03M
2022: €970k
2023: €954k
2024: €928k
2018 → 2025
Solvency
32.9%▼ 0.8pp
2024 · 33.7%
2018: 86.8%
2019: 88.9%
2020: 82.9%
2021: 25.9%
2022: 28.1%
2023: 30.0%
2024: 33.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€273k▲ 1.9%€286k▲ 4.9%€313k▲ 9.2%€284k▼ 9.3%
Operating result€31k-€14k▼ 53.7%€30k▲ 108%€29k▼ 4.2%€-20k
Net result€29k-€5k▼ 82.6%€13k▲ 168%€14k▲ 3.0%€-29k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20k after €29k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €861k
Fixed assets
€771k▼ 6.3%
Current assets
€90k▼ 14.0%
Equity and liabilities €861k
Equity
€284k▼ 9.3%
Debt
€577k▼ 6.1%
The debt ratio rises from 66.3% to 67.1%. Equity and debt are lower.
Key figures and ratios
Solvency
32.9%▼
2024 · 33.7%
ROE
-10.2%▼
2024 · 4.4%
ROA
-3.4%▼
2024 · 1.5%
Debt
€577k▼
2024 · €615k
Debt ≤ 1 year
€48k▼
2024 · €53k
Debt > 1 year
€527k▼
2024 · €560k
Income taxes
€-315▼
2024 · €4k
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€928k€861k▼
Fixed assets21/28€823k€771k▼
Tangible fixed assets22/27€823k€771k▼
Land and buildings22€769k€737k▼
Plant, machinery and equipment23€52k€34k▼
Furniture and vehicles24€2k€718▼
Current assets29/58€105k€90k▼
Amounts receivable within one year40/41€48k€31k▼
Trade receivables40€21k€5k▼
Other amounts receivable41€27k€26k▼
Current investments50/53€2k€3k▲
Cash at bank and in hand54/58€54k€56k▲
Equity and liabilities
Total equity and liabilities10/49€928k€861k▼
Equity10/15€313k€284k▼
Contributions10/11€19k€19k=
Reserves13€24k€24k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€270k€241k▼
Amounts payable17/49€615k€577k▼
Amounts payable after more than one year17€560k€527k▼
Financial debts170/4€560k€527k▼
Amounts payable within one year42/48€53k€48k▼
Financial debts43€36k€37k▲
Credit institutions430/8€32k€33k▲
Other loans439€4k€4k=
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€5k€410▼
Taxes450/3€3k€410▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€8k€7k▼
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€40k▲
Other operating charges640/8€5k€12k▲
Gross operating margin9900€73k€32k▼
Operating profit (loss)9901€29k€-20k▼
Financial income75/76B€53€590▲
Recurring financial income75€53€590▲
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€18k€-29k▼
Income taxes67/77€4k€-315▼
Profit (loss) for the period9904€14k€-29k▼
Profit (loss) for the period to be appropriated9905€14k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€270k€241k▼
Profit (loss) brought forward from the previous period14P€256k€270k▲
The notes to these accounts (11 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-29k ▼309%
Net result drops to €-29k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 269 days late
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 635 days late
2022
09-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €29k ▲35.3%
Operating result €31k, net result €29k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Puurs-Sint-Amands · 1 establishment unit since 2012
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.
Liezele-Dorp 162870 Puurs-Sint-AmandsGround area
1,545 m²
Building footprint
177 m²
Volume, LiDAR
911 m³
Parcel 12022A0050/00A000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WFC KARSON
since 20122.213.763.791
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12022A0050/00A000 | Flanders | 1,544 m² | 1 · 177 m² | 8.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 87 EUR awarded · 87 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 87 EUR | 87 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,742 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.