Age3 yrs
Real estate1 parcel · 1,682 m²
Summary
Conclusion
the dossier summarised in one paragraphWovaco is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €92k and a net result of €49k. Its solvency ranks better than 44% of 1211 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-12-2025, 54 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-06-2025 | 31-01-2026 | 08-12-2025 | 54 d early | 2025-00579299 |
| 30-06-2024 | 31-01-2025 | 24-10-2024 | 99 d early | 2024-00515106 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, 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 strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€92k+115.3%
Net result€49k+23.9%
Total assets€234k+28.8%
Solvency39.3%+15.8pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 08-12-2025 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 39.3% | 47.4% | |
| Net result | €49k | €43k | |
| Equity | €92k | €85k | |
| Gross operating margin | €88k | €70k | |
| Total assets | €234k | €211k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€49k
+23.9%
24-25
€234k
+28.8%
24-25
€92k
+115.3%
24-25
€24k
+23.1%
24-25
€142k
+2.2%
24-25
€20k
-56.7%
24-25
€121k
+33.0%
24-25
39.3%
+67.1%
24-25
53.5%
-42.4%
24-25
21.0%
-3.8%
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €49k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €24k |
| Dividends | - |
| Total assets | €234k |
| Equity | €92k |
| Debt | €142k |
| of which ≤ 1y | €20k |
| of which > 1y | €121k |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 39.3% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 21.0% |
| ROE | 53.5% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
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 | €234k |
| Fixed assets | 21/28 | €129k |
| Tangible fixed assets | 22/27 | €29k |
| Financial fixed assets | 28 | €100k |
| Current assets | 29/58 | €105k |
| Amounts receivable within one year | 40/41 | €15k |
| Cash & bank | 54/58 | €88k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €234k |
| Equity | 10/15 | €92k |
| Contributions / capital | 10/11 | €3k |
| Reserves | 13 | €89k |
| Amounts payable | 17/49 | €142k |
| Amounts payable after one year | 17 | €121k |
| Amounts payable within one year | 42/48 | €20k |
| Trade debts payable within one year | 44 | €1k |
| Income statement | ||
| Gross operating margin | 9900 | €88k |
| Operating result | 9901 | €79k |
| Financial income | 75 | €97 |
| Financial charges | 65 | €6k |
| Result before taxes | 9903 | €73k |
| Income taxes | 67/77 | €24k |
| Net result for the period | 9904 | €49k |
| Result to be appropriated | 9905 | €49k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Boshoeven 123980 Tessenderlo-HamEstablishment units
1 locationWovaco
since 20232.341.517.444
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,682 m²
Buildings1
Building footprint121 m²
Volume (LiDAR)659 m³
Tallest building9.8 m · ±2 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
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71362B0888/00W000 | Flanders | 1,682 m² | 1 · 121 m² | 9.8 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 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
2 acts Address history · 1
29-05-2026
Seat change: to: Boshoeven 12, 3980 Tessenderlo-Ham, from: Bredestraat 140, 3293 Diest, effective_date: 2026-04-01
All acts · 2
updated 2 months ago
2026
29-05-2026 Seat change · Board meeting · Power of attorney · Act object
- Filing: 2026-05-20 · Wovaco
- Seat change: to: Boshoeven 12, 3980 Tessenderlo-Ham, from: Bredestraat 140, 3293 Diest, effective_date: 2026-04-01 · Wovaco
- Board meeting: 2026-04-01 · Wovaco
- Power of attorney: date: 2026-04-01, scope: acties nodig voor de uitvoering en verwerking en publicatie van de beslissingen van deze vergadering, duration: onbepaalde tijd en tot aan de uitdrukkelijke herroeping, granted_by: bestuursorgaan · Wovaco
- Power of attorney: date: 2026-04-01, role: extern gecertificeerd fiscaal accountant, scope: publicatie van de beslissingen van deze vergadering, granted_by: BV BML Accountants & Tax Advisors · BV BML Accountants & Tax Advisors
- Publication: 2026-05-29
- Act object: Zetel (zetelverplaatsing)
Summary:
Seat change · Board meeting · Power of attorney · Act object
2023
06-02-2023 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes89
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
83
Growth
78
Stability
94
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We hold annual accounts for 5,518 of the 24,678 companies in this sector. 3,906 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Ingenieurs en aanverwante technische adviseurs, exclusief landmeters71121Activiteiten van ingenieurs en aanverwante technische adviseurs, exclusief landmeters-experts71121Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | Wovaco |
Registered office
Boshoeven 12
3980 Tessenderlo-Ham, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.