WILLIVER
ActiveSummary
The annual accounts of WILLIVER for fiscal year 2025 show a net loss of 92% of total assets. The 2025 annual accounts show equity of €10k and a net result of €-10k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 8663 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-80
Solvency100▲+19
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 41.09 against 2.15 in 2024; short-term debt: 2.2% and cash: 21.5% of total assets), and 2.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
97.8%
Return on assets
-91.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
31 d late
2024
14 d early
2023
8 d late
2022
28 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, abbreviated schema
Equity
€10k▼ 48.4%
2024 · €20k
2022: €14k
2023: €17k
2024: €20k
2022 → 2025
Total assets
€10k▼ 70.7%
2024 · €35k
2022: €25k
2023: €26k
2024: €35k
2022 → 2025
Net result
€-10k
2024 · €3k
2022: €12k
2023: €3k
2024: €3k
2022 → 2025
Working capital
€9k▼ 48.3%
2024 · €18k
2022: €11k
2023: €14k
2024: €18k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€14k-€17k▲ 22.6%€20k▲ 18.7%€10k▼ 48.4%
Operating result€17k-€6k▼ 66.8%€6k▼ 1.6%€-9k
Net result€12k-€3k▼ 73.5%€3k▲ 1.3%€-10k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €6k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10k
Fixed assets
€793 ▼ 50.0%
Current assets
€10k ▼ 71.6%
Equity and liabilities €10k
Equity
€10k ▼ 48.4%
Debt
€234 ▼ 98.5%
Debt's share of the balance-sheet total falls from 44.4% to 2.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-8k▼
2024 · €6k
Cash flow
€-9k▼
2024 · €4k
Current ratio
41.09▲
2024 · 2.15
Debt to equity
0.02▼
2024 · 0.80
ROE
-93.9%▼
2024 · 15.7%
ROA
-91.8%▼
2024 · 8.7%
Interest coverage
-42.18▼
2024 · 87.64
Debt ≤ 1 year
€234▼
2024 · €16k
Income taxes
€296▼
2024 · €2k
Staff costs
€131▲
2024 · €88
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€35k€10k▼
Fixed assets21/28€2k€793▼
Tangible fixed assets22/27€2k€793▼
Plant, machinery and equipment23€2k€793▼
Current assets29/58€34k€10k▼
Amounts receivable within one year40/41€3k€7k▲
Other amounts receivable41€3k€7k▲
Cash at bank and in hand54/58€31k€2k▼
Equity and liabilities
Total equity and liabilities10/49€35k€10k▼
Equity10/15€20k€10k▼
Contributions10/11€2k€2k=
Outside capital11€2k€2k=
Other1109/19€2k€2k=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14-€-10k
Amounts payable17/49€16k€234▼
Amounts payable within one year42/48€16k€234▼
Trade debts44€188-
Suppliers440/4€188-
Taxes, remuneration and social security45€16k€234▼
Taxes450/3€16k€234▼
Income statement
Code20242025
Remuneration, social security and pensions62€88€131▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€793€793=
Other operating charges640/8€587€600▲
Gross operating margin9900€7k€-8k▼
Operating profit (loss)9901€6k€-9k▼
Financial income75/76B€0€0=
Recurring financial income75€0€0=
Financial charges65/66B€72€196▲
Recurring financial charges65€72€196▲
Profit (loss) for the period before taxes9903€5k€-9k▼
Income taxes67/77€2k€296▼
Profit (loss) for the period9904€3k€-10k▼
Profit (loss) for the period to be appropriated9905€3k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-10k▼
Transfer to equity691/2€3k-
To other reserves6921€3k-
The notes to these accounts (3 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-10k ▼408%
Net result drops to €-10k, the lowest in the series.
31-12
Financial
Liquidity times 19current ratio 41.09
Current ratio from 2.15 to 41.09; short-term debt falls from €16k to €234.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Kampenhout · 1 establishment unit since 2022
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.
Daallaan 11910 KampenhoutGround area
720 m²
Building footprint
167 m²
Volume, LiDAR
693 m³
Parcel 23008D0289/00P003, Flanders · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Daallaan 1, 1910 Kampenhout
since 20222.326.445.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23008D0289/00P003 | Flanders | 720 m² | 1 · 167 m² | 5.2 m · 1 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.
Similar companies · same sector, comparable size
AP Consult
BE 0729.950.041
Schaarbeek · Eq €10,179
Crelis
BE 0802.978.767
Kapellen · Eq €10,175
DSG DEVELOPMENT
BE 0647.750.360
Sint-Pieters-Woluwe · Eq €10,174
KDG MANAGEMENT
BE 0672.536.731
Schilde · Eq €10,172
BOYAN
BE 0784.766.820
Kapellen · Eq €10,172
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 23,108 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
Founded17-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.