Wise.S
ActiveSummary
Wise.S has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €132k. Equity is shrinking by ~22.2% per year across the filed fiscal years. Its solvency ranks better than 10% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency27▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
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
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
2.2%
Return on assets
91.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 9460 sector peers (2025).
NBB · sector comparisonPosition among 9460 sector peers
Solvency
better than 10%
← weakest
strongest →
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 29-05-2026, 63 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
63 d early
2024
77 d early
2023
92 d early
2022
154 d early
2021
45 d early
2020
50 d early
← 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
Turnover
€0
2023 · €0
2023: €0
2023 → 2024
Total assets
€145k▲ 46.0%
2024 · €99k
2020: €32k
2021: €61k
2022: €94k
2023: €83k
2024: €99k
2020 → 2025
Net result
€132k▲ 93.7%
2024 · €68k
2020: €5k
2021: €22k
2022: €26k
2023: €44k
2024: €68k
2020 → 2025
Working capital
€-1k
2024 · €2k
2020: €7k
2021: €30k
2022: €56k
2023: €2k
2024: €2k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0€0
Equity€30k-€56k▲ 84.9%€3k▼ 94.6%€3k▼ 0.2%€3k▲ 3.2%
Operating result€30k-€34k▲ 14.9%€58k▲ 67.8%€88k▲ 51.5%€172k▲ 96.9%
Net result€22k-€26k▲ 16.6%€44k▲ 72.7%€68k▲ 53.4%€132k▲ 93.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 97% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€5k ▲ 473%
Current assets
€139k ▲ 42.1%
Equity and liabilities €145k
Equity
€3k ▲ 3.2%
Debt
€142k ▲ 47.3%
Debt's share of the balance-sheet total rises from 96.9% to 97.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€174k▲
2024 · €88k
Cash flow
€134k▲
2024 · €69k
Current ratio
0.99▼
2024 · 1.02
Debt to equity
45.31▲
2024 · 31.74
ROA
91.3%▲
2024 · 68.8%
Interest coverage
210.69▲
2024 · 154.76
Debt ≤ 1 year
€141k▲
2024 · €96k
Income taxes
€40k▲
2024 · €19k
A ratio outside any meaningful range has been withheld (balance sheet total €145k, equity €3k).
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€99k€145k▲
Formation expenses20€0€0=
Fixed assets21/28€902€5k▲
Tangible fixed assets22/27€902€5k▲
Furniture and vehicles24€902€5k▲
Financial fixed assets28-€250
Current assets29/58€98k€139k▲
Amounts receivable after more than one year29€10k€5k▼
Other amounts receivable291€10k€5k▼
Amounts receivable within one year40/41€626€49k▲
Trade receivables40€626€49k▲
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€87k€83k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€99k€145k▲
Equity10/15€3k€3k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€27€124▲
Amounts payable17/49€96k€142k▲
Amounts payable within one year42/48€96k€141k▲
Current portion of amounts payable after more than one year42€0€0=
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€37k€25k▼
Taxes450/3€32k€21k▼
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€58k€114k▲
Accrued charges and deferred income492/3€125€579▲
Income statement
Code20242025
Turnover70€0-
Goods, raw materials, services and sundry goods60/61€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€419€2k▲
Other operating charges640/8€871€2k▲
Gross operating margin9900€89k€176k▲
Operating profit (loss)9901€88k€172k▲
Financial income75/76B€391€271▼
Recurring financial income75€391€271▼
Financial charges65/66B€568€827▲
Recurring financial charges65€568€827▲
Profit (loss) for the period before taxes9903€87k€172k▲
Income taxes67/77€19k€40k▲
Profit (loss) for the period9904€68k€132k▲
Profit (loss) for the period to be appropriated9905€68k€132k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€132k▲
Profit (loss) brought forward from the previous period14P€33€27▼
Profit to be distributed694/7€68k€132k▲
Return on contributions (dividend)694€68k€132k▲
The notes to these accounts (7 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
17-07
State Gazette act
General meeting · Auditor reappointment
Director reappointment
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €132k ▲93.7%
Operating result €172k, net result €132k, both a record.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-09
State Gazette act
General meeting · Legal-form conversion
Net-asset statement · Director resignation
Financial milestoneState Gazette actNBB 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, Braives · 1 establishment unit since 2020
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.
Rue de Brivioulle 30/A4260 BraivesGround area
738 m²
Building footprint
98 m²
Volume, LiDAR
642 m³
Parcel 64015B0083/00Z000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Wise.S
since 20202.303.341.610
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64015B0083/00Z000 | Wallonia | 738 m² | 1 · 98 m² | 7.4 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 1,364 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
Founded05-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Wise.S.contact@gmail.com