WoVol Consult 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 €6k and a net result of €35k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 8024 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model 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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 8024 sector peers (2025).
NBB · sector comparisonPosition among 8024 sector peers
Solvency
better than 18%
← 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 04-05-2026, 88 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
88 d early
2024
31 d early
2023
30 d early
2022
37 d early
2021
32 d early
2020
16 d early
2019
8 d early
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€6k▼ 63.8%
2024 · €17k
2019: €16k
2020: €19k
2021: €28k
2022: €49k
2023: €25k
2024: €17k
2019 → 2025
Net result
€35k▲ 35.0%
2024 · €26k
2019: €3k
2020: €3k
2021: €9k
2022: €15k
2023: €26k
2024: €26k
2019 → 2025
Total assets
€52k▲ 90.8%
2024 · €27k
2019: €23k
2020: €27k
2021: €45k
2022: €63k
2023: €40k
2024: €27k
2019 → 2025
Solvency
12.0%▼ 51.2pp
2024 · 63.2%
2019: 70.2%
2020: 69.6%
2021: 61.4%
2022: 77.5%
2023: 63.6%
2024: 63.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€49k▲ 75.0%€25k▼ 48.2%€17k▼ 31.7%€6k▼ 63.8%
Operating result€12k-€19k▲ 65.6%€31k▲ 61.5%€34k▲ 7.8%€44k▲ 29.5%
Net result€9k-€15k▲ 64.6%€26k▲ 74.0%€26k▲ 0.4%€35k▲ 35.0%
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 30% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €52k
Equity
€6k▼ 63.8%
Debt
€46k▲ 357%
The debt ratio rises from 36.8% to 88.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
12.0%▼
2024 · 63.2%
ROE
555.6%▲
2024 · 149.0%
ROA
66.7%▼
2024 · 94.2%
Debt
€46k▲
2024 · €10k
Debt ≤ 1 year
€46k▲
2024 · €10k
Income taxes
€9k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€27k€52k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€27k€52k▲
Amounts receivable within one year40/41€9k€46k▲
Trade receivables40€9k€37k▲
Other amounts receivable41€158€8k▲
Cash at bank and in hand54/58€17k€4k▼
Deferred charges and accrued income490/1€871€2k▲
Equity and liabilities
Total equity and liabilities10/49€27k€52k▲
Equity10/15€17k€6k▼
Contributions10/11€5k€5k=
Reserves13€5k€1k▼
Distributable reserves133€5k€1k▼
Profit (loss) carried forward14€8k€0▼
Amounts payable17/49€10k€46k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€10k€46k▲
Current portion of amounts payable after more than one year42€321€0▼
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44-€942
Suppliers440/4-€942
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€10k€7k▼
Other amounts payable47/48€0€35k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€394€0▼
Other operating charges640/8€505€520▲
Gross operating margin9900€35k€44k▲
Operating profit (loss)9901€34k€44k▲
Financial income75/76B€164€390▲
Recurring financial income75€164€390▲
Financial charges65/66B€155€174▲
Recurring financial charges65€155€174▲
Profit (loss) for the period before taxes9903€34k€44k▲
Income taxes67/77€8k€9k▲
Profit (loss) for the period9904€26k€35k▲
Profit (loss) for the period to be appropriated9905€26k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€42k▲
Profit (loss) brought forward from the previous period14P-€8k
Transfer from equity791/2€16k€3k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€34k€46k▲
Return on contributions (dividend)694€34k€46k▲
The notes to these accounts (6 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €35k ▲35%
Operating result €44k, net result €35k, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €3k ▼10%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lier · 1 establishment unit since 2018
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.
Heidebloem 62500 LierGround area
1,525 m²
Building footprint
114 m²
Volume, LiDAR
698 m³
Parcel 12392B0175/00D002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WoVol Consult
since 20182.274.774.219
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392B0175/00D002 | Flanders | 1,525 m² | 1 · 114 m² | 8.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488CTD3W30V0E7N0223
Similar companies · same sector, comparable size
MAAMLU
BE 0726.361.734
Brugge · Eq €6k
Jason
BE 1018.717.655
Leuven · Eq €6k
P.A.P.L.A.
BE 0793.214.827
Ledegem · Eq €6k
PLTC
BE 0555.682.217
Dessel · Eq €6k
Vanhoof Pieter
BE 1016.256.033
Mol · Eq €6k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 3,765 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.