WOUTER TORFS
ActiveSummary
WOUTER TORFS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.55M and a net result of €697k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 53% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+33
Solvency81▲+32
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 0.19 in 2024; short-term debt: 11.5% and cash: 12.1% of total assets), and 44.3% of the assets are financed with debt.
Credit check 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
55.7%
Return on assets
5.9%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
37 d early
2023
26 d early
2022
340 d late
2021
12 d early
2020
15 d early
2019
53 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
€6.55M▲ 491%
2024 · €1.11M
2018: €741k
2019: €768k
2020: €810k
2021: €1.02M
2022: €1.04M
2023: €1.10M
2024: €1.11M
2018 → 2025
Total assets
€11.77M▲ 150%
2024 · €4.71M
2018: €3.45M
2019: €3.35M
2020: €3.34M
2021: €3.26M
2022: €5.04M
2023: €4.93M
2024: €4.71M
2018 → 2025
Net result
€697k▲ 10,748%
2024 · €6k
2018: €-131k
2019: €26k
2020: €117k
2021: €213k
2022: €14k
2023: €67k
2024: €6k
2018 → 2025
Working capital
€929k
2024 · €-1.90M
2018: €-1.22M
2019: €-1.21M
2020: €-1.07M
2021: €-703k
2022: €-1.78M
2023: €-1.66M
2024: €-1.90M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.02M-€1.04M▲ 1.4%€1.10M▲ 6.4%€1.11M▲ 0.6%€6.55M▲ 491%
Operating result€325k-€115k▼ 64.4%€231k▲ 100%€136k▼ 41.4%€1.08M▲ 693%
Net result€213k-€14k▼ 93.5%€67k▲ 379%€6k▼ 90.3%€697k▲ 10,748%
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 recovers in 2025; 2025 is 693% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.77M
Fixed assets
€9.49M ▲ 122%
Current assets
€2.28M ▲ 411%
Equity and liabilities €11.77M
Equity
€6.55M ▲ 491%
Provisions
€236k ▲ 1,607%
Debt
€4.98M ▲ 38.8%
Debt's share of the balance-sheet total falls from 76.2% to 42.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.31M▲
2024 · €360k
Cash flow
€929k▲
2024 · €231k
Current ratio
1.69▲
2024 · 0.19
Debt to equity
0.76▼
2024 · 3.23
ROE
10.6%▲
2024 · 0.6%
ROA
5.9%▲
2024 · 0.1%
Interest coverage
7.44▲
2024 · 2.88
Debt ≤ 1 year
€1.35M▼
2024 · €2.34M
Debt > 1 year
€3.56M▲
2024 · €1.23M
Income taxes
€24k▲
2024 · €11k
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 · 64 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.71M€11.77M▲
Fixed assets21/28€4.26M€9.49M▲
Tangible fixed assets22/27€4.24M€4.27M▲
Land and buildings22€4.21M€4.24M▲
Plant, machinery and equipment23-€8k
Furniture and vehicles24€25k€21k▼
Financial fixed assets28€28k€5.21M▲
Current assets29/58€446k€2.28M▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€19k€501k▲
Trade receivables40€11k€24k▲
Other amounts receivable41€8k€477k▲
Current investments50/53€2k€347k▲
Cash at bank and in hand54/58€422k€1.42M▲
Deferred charges and accrued income490/1€3k€9k▲
Equity and liabilities
Total equity and liabilities10/49€4.71M€11.77M▲
Equity10/15€1.11M€6.55M▲
Contributions10/11€353k€3.16M▲
Reserves13€757k€2.31M▲
Non-distributable reserves130/1€26k€296k▲
Reserves not available under the articles1311€26k€296k▲
Tax-exempt reserves132€58k€727k▲
Distributable reserves133€673k€1.29M▲
Profit (loss) carried forward14-€1.08M
Provisions and deferred taxes16€14k€236k▲
Provisions for liabilities and charges160/5-€3k
Major repairs and maintenance162-€3k
Deferred taxes168€14k€233k▲
Amounts payable17/49€3.59M€4.98M▲
Amounts payable after more than one year17€1.23M€3.56M▲
Financial debts170/4€1.23M€955k▼
Other amounts payable178/9-€2.60M
Amounts payable within one year42/48€2.34M€1.35M▼
Current portion of amounts payable after more than one year42€238k€240k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€4k€15k▲
Taxes450/3€4k€15k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€2.10M€1.09M▼
Accrued charges and deferred income492/3€12k€72k▲
Income statement
Code20242025
Non-recurring operating income76A-€906k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€224k€232k▲
Other operating charges640/8€55k€63k▲
Gross operating margin9900€415k€1.37M▲
Operating profit (loss)9901€136k€1.08M▲
Financial income75/76B€6k€40k▲
Recurring financial income75€6k€40k▲
Financial charges65/66B€125k€176k▲
Recurring financial charges65€125k€176k▲
Profit (loss) for the period before taxes9903€16k€940k▲
Transfer from deferred taxes780€1k€1k=
Transfer to deferred taxes680-€220k
Income taxes67/77€11k€24k▲
Profit (loss) for the period9904€6k€697k▲
Transfer from tax-exempt reserves789€3k€3k=
Transfer to tax-exempt reserves689-€660k
Profit (loss) for the period to be appropriated9905€10k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€1.12M▲
Profit (loss) brought forward from the previous period14P-€1.08M
Transfer to equity691/2€10k€41k▲
To other reserves6921€10k€41k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (20 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €697k ▲10748%
Operating result €1.08M, net result €697k, both a record.
31-12
Financial
Liquidity times 9current ratio 1.69
Current ratio from 0.19 to 1.69; short-term debt falls from €2.34M to €1.35M.
31-12
Financial
Equity above €5MEq €6.55M ▲491%
7 profitable years in a row build equity to €6.55M.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 340 days late
2023
18-07
State Gazette act
General meeting · Director reappointment
Permanent representative · Director resignation
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €1MEq €1.02M ▲26.3%
3 profitable years in a row build equity to €1.02M.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
Show earlier events
02-06
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
2019
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Berlaar · 1 establishment unit since 2003
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.
Alpenroosstraat 352590 BerlaarGround area
1,901 m²
Building footprint
325 m²
Volume, LiDAR
1,481 m³
Parcel 12002A0228/00R000, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Alpenroosstraat 35, 2590 Berlaar
since 20032.126.428.951
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002A0228/00R000 | Flanders | 1,901 m² | 1 · 324 m² | 8.5 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
4 locations
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 9,303 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
Founded06-02-2003
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.