Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of WITEB 3 is 1.6% (moderate). The 2025 annual accounts show equity of €141k and a net result of €35k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 41% of 478 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 6 annual accounts.
Trust signals
2 signalsMore than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
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 administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.6%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: healthy financial profile
−
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€35k
Working capital€141k
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 07-10-2025 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 16.5% | 21.2% | |
| Net result | €35k | €33k | |
| Equity | €141k | €166k | |
| Gross operating margin | €638k | €282k | |
| Staff costs | €11k | €212k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P41
Stable position over 2020-2025
· n=478-1225
P51
Stable position over 2020-2025
· n=476-1224
P45
Stable position over 2020-2025
· n=478-1225
P76
Stable position over 2020-2025
· n=478-1223
Describes the position versus peers, not a forecast.
€77k
-
-78% vs sector
€35k
-
-81% vs sector
€35k
-
-85% vs sector
€850k
-41.3%
-79% vs sector
€141k
+33.4%
-95% vs sector
€141k
-
-71% vs sector
0
-25.0%
-95% vs sector
€11k
-16.6%
-95% vs sector
€0
-100.0%
-100% vs sector
€709k
-47.2%
-41% vs sector
€709k
-47.2%
-10% vs sector
1.20
+214.0%
-46% vs sector
1.20
+436.3%
-15% vs sector
16.5%
+127.5%
-75% vs sector
5.04
-60.4%
far above sector median
25.1%
-
+216% vs sector
4.1%
-
-14% vs sector
1.83
-
-80% vs sector
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €77k |
| Net profit | €35k |
| Cash flow | €35k |
| Staff costs | €11k |
| Income taxes | - |
| Dividends | - |
| Total assets | €850k |
| Equity | €141k |
| Debt | €709k |
| of which ≤ 1y | €709k |
| of which > 1y | - |
| Working capital | €141k |
| Employees (FTE) | 0.3 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.20 |
| Quick ratio | 1.20 |
| Working capital ratio | 16.5% |
| Solvency | 16.5% |
| Debt / equity | 5.04 |
| Long-term debt ratio | - |
| Interest coverage | 1.83 |
| Gross margin | - |
| Net margin | - |
| ROA | 4.1% |
| ROE | 25.1% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €850k |
| Fixed assets | 21/28 | €0 |
| Tangible fixed assets | 22/27 | €0 |
| Current assets | 29/58 | €850k |
| Stocks & contracts in progress | 3 | €0 |
| Amounts receivable within one year | 40/41 | €850k |
| Cash & bank | 54/58 | €0 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €850k |
| Equity | 10/15 | €141k |
| Contributions / capital | 10/11 | €150k |
| Accumulated profits (losses) | 14 | €-9k |
| Amounts payable | 17/49 | €709k |
| Amounts payable within one year | 42/48 | €709k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €638k |
| Operating result | 9901 | €77k |
| Financial income | 75 | €38 |
| Financial charges | 65 | €42k |
| Result before taxes | 9903 | €35k |
| Net result for the period | 9904 | €35k |
| Result to be appropriated | 9905 | €35k |
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Ratios computed by Checked.
Health barometer
FY 2025 · computed71
/ 100
Healthy
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Directors
Directors & mandates
5 directorsCurrent directors & mandates
-
Current01-04-2022 → present
-
Current01-04-2022 → present
-
Current01-03-2021 → present
Former directors (2)
-
Former- → 01-04-2022
-
Former- → 01-03-2021
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen(47110) |
| Legal form | Private limited company(610) |
| Incorporation | 14-05-2019 |
| Status | Active |
| Postal code | 1500 |
Structure & network
Locations & real estate
Establishment units
1 locationWiteb Zuid
since 20192.289.420.031
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area3.1 ha
Buildings2
Building footprint9,124 m²
Volume (LiDAR)146,720 m³
Tallest building27.2 m · ±6 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
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23027F0207/00V000 | Flanders | 3.1 ha | 1 · 9,052 m² | 27.2 m · 6 fl. |
| 52392C0162/00Z006indicative | Wallonia | 150 m² | 1 · 72 m² | 10.1 m · 3 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
1 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
5 acts All acts · 5
updated 6 months ago
2026
03-02-2026 Ernst & Young Bedrijfsrevisoren reappointed as statutory auditor
2022
29-07-2022 2 directors appointed, 1 resigning
- Jo WILLEMYNS, Bestuurder
- Stefan GOETHAERT, Bestuurder
- Marc HOFMAN, Bestuurder
Summary:
v3.2
2021
11-06-2021 Articles of association amended
Summary:
v3.2
01-03-2021 1 director appointed, 1 resigning
2019
16-05-2019 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes75
/ 100
Exceptional profile, strong across almost every axis.
Health
71
Profitability
100
Solvency
27
Growth
78
Stability
100
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verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameNL | WITEB 3 |
Registered office
Edingensesteenweg 196
1500 Halle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.