WORDS IN GEAR
ActiveSummary
WORDS IN GEAR has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €71. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-4
Solvency93▼-7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.92 against 3.34 in 2024; short-term debt: 29.5% and cash: 34.1% of total assets), and 32.4% 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○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 →
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
67.6%
Return on assets
0%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
30 d late
2020
17 d late
2019
on the day
← 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
Equity
€149k=
2024 · €149k
2018: €107k
2019: €114k
2020: €115k
2021: €132k
2022: €140k
2023: €142k
2024: €149k
2018 → 2025
Total assets
€220k▲ 17.0%
2024 · €188k
2018: €169k
2019: €168k
2020: €186k
2021: €197k
2022: €232k
2023: €199k
2024: €188k
2018 → 2025
Net result
€71▼ 98.9%
2024 · €7k
2018: €9k
2019: €8k
2020: €133
2021: €11k
2022: €8k
2023: €2k
2024: €7k
2018 → 2025
Working capital
€60k▼ 3.1%
2024 · €62k
2018: €30k
2019: €46k
2020: €28k
2021: €44k
2022: €60k
2023: €57k
2024: €62k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€132k-€140k▲ 5.8%€142k▲ 1.7%€149k▲ 4.7%€149k=
Operating result€16k-€13k▼ 22.7%€5k▼ 60.7%€11k▲ 117%€1k▼ 86.7%
Net result€11k-€8k▼ 32.7%€2k▼ 69.3%€7k▲ 185%€71▼ 98.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220k
Fixed assets
€95k ▼ 4.6%
Current assets
€125k ▲ 41.5%
Equity and liabilities €220k
Equity
€149k =
Debt
€71k ▲ 81.5%
Debt's share of the balance-sheet total rises from 20.9% to 32.4%. Debt is higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €15k
Cash flow
€5k▼
2024 · €11k
Current ratio
1.92▼
2024 · 3.34
Quick ratio
1.72▼
2024 · 2.53
Debt to equity
0.48▲
2024 · 0.26
ROE
0.0%▼
2024 · 4.5%
ROA
0.0%▼
2024 · 3.6%
Interest coverage
6.67▼
2024 · 15.90
Debt ≤ 1 year
€65k▲
2024 · €26k
Debt > 1 year
€6k▼
2024 · €13k
Income taxes
€545▼
2024 · €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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€188k€220k▲
Fixed assets21/28€100k€95k▼
Tangible fixed assets22/27€100k€95k▼
Land and buildings22€97k€93k▼
Plant, machinery and equipment23€3k€2k▼
Current assets29/58€88k€125k▲
Stocks and contracts in progress3€22k€14k▼
Stocks30/36€22k€14k▼
Amounts receivable within one year40/41€45k€28k▼
Trade receivables40€21k€8k▼
Other amounts receivable41€24k€20k▼
Current investments50/53€8k€8k▲
Cash at bank and in hand54/58€14k€75k▲
Deferred charges and accrued income490/1-€737
Equity and liabilities
Total equity and liabilities10/49€188k€220k▲
Equity10/15€149k€149k=
Contributions10/11€19k€19k=
Reserves13€130k€130k▲
Distributable reserves133€130k€130k▲
Amounts payable17/49€39k€71k▲
Amounts payable after more than one year17€13k€6k▼
Financial debts170/4€13k€6k▼
Amounts payable within one year42/48€26k€65k▲
Current portion of amounts payable after more than one year42€6k€35k▲
Trade debts44€10k€4k▼
Suppliers440/4€10k€4k▼
Taxes, remuneration and social security45€10k€26k▲
Taxes450/3€883€13k▲
Remuneration and social security454/9€9k€12k▲
Other amounts payable47/48-€110
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€2k€1,000▼
Gross operating margin9900€18k€7k▼
Operating profit (loss)9901€11k€1k▼
Financial income75/76B€102€89▼
Recurring financial income75€102€89▼
Financial charges65/66B€964€902▼
Recurring financial charges65€964€902▼
Profit (loss) for the period before taxes9903€10k€616▼
Income taxes67/77€3k€545▼
Profit (loss) for the period9904€7k€71▼
Profit (loss) for the period to be appropriated9905€7k€71▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€71▼
Transfer to equity691/2€7k€71▼
To other reserves6921€7k€71▼
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €71 ▼98.9%
Net result drops to €71, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €11k ▲8506%
Operating result €16k, net result €11k, both a record.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Antwerpen · 1 establishment unit since 2011
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.
Tweelingenstraat 742018 AntwerpenGround area
216 m²
Building footprint
170 m²
Volume, LiDAR
1,435 m³
Parcel 11806F1285/00W007, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Words in Gear
since 20112.195.269.653
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1285/00W007 | Flanders | 216 m² | 1 · 170 m² | 12.5 m · 3 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
2024 · 1 entry · 3,900 EUR awarded · 3,900 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 3,900 EUR | 3,900 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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STERKE LIMBURGSE ONDERNEMERS EN ADVISEURS
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PharmCollab Consultancy
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LOGIE
BE 0869.770.690
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,832 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
Founded14-12-2010
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
46180Agents specialised in the wholesale of other particular products
74301Translation services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:dieter@wordsingear.be