Summary
WPS INVEST 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 €570k and a net result of €10k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 5527 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 27-07-2026, 4 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
4 d early
2024
31 d early
2023
30 d late
2022
30 d late
2021
4 d early
2020
12 d late
2019
24 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
€570k▲ 1.7%
2024 · €561k
2019: €123k
2020: €111k
2021: €112k
2022: €535k
2023: €541k
2024: €561k
2019 → 2025
Net result
€10k▼ 51.9%
2024 · €20k
2019: €3k
2020: €-12k
2021: €2k
2022: €44k
2023: €6k
2024: €20k
2019 → 2025
Total assets
€1.58M▲ 23.3%
2024 · €1.28M
2019: €909k
2020: €966k
2021: €1.00M
2022: €1.42M
2023: €1.43M
2024: €1.28M
2019 → 2025
Solvency
36.2%▼ 7.7pp
2024 · 43.9%
2019: 13.5%
2020: 11.5%
2021: 11.2%
2022: 37.8%
2023: 37.9%
2024: 43.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€535k▲ 376%€541k▲ 1.1%€561k▲ 3.7%€570k▲ 1.7%
Operating result€17k-€11k▼ 33.8%€20k▲ 79.3%€186k▲ 848%€16k▼ 91.2%
Net result€2k-€44k▲ 2,433%€6k▼ 87.0%€20k▲ 243%€10k▼ 51.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 91% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.58M
Fixed assets
€1.28M =
Current assets
€300k ▲ 20,398%
Equity and liabilities €1.58M
Equity
€570k ▲ 1.7%
Provisions
€186k ▼ 2.8%
Debt
€821k ▲ 55.8%
Debt's share of the balance-sheet total rises from 41.2% to 52.1%. Equity and debt are higher.
Key figures and ratios
ROE
1.7%▼
2024 · 3.5%
ROA
0.6%▼
2024 · 1.5%
Debt ≤ 1 year
€741k▲
2024 · €435k
Debt > 1 year
€79k▼
2024 · €91k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.28M€1.58M▲
Fixed assets21/28€1.28M€1.28M=
Tangible fixed assets22/27€378k€378k=
Land and buildings22€378k€378k=
Financial fixed assets28€899k€899k=
Current assets29/58€1k€300k▲
Amounts receivable within one year40/41-€298k
Other amounts receivable41-€298k
Cash at bank and in hand54/58€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.28M€1.58M▲
Equity10/15€561k€570k▲
Contributions10/11€170k€170k=
Reserves13€390k€400k▲
Tax-exempt reserves132€15k€15k=
Distributable reserves133€376k€385k▲
Provisions and deferred taxes16€191k€186k▼
Provisions for liabilities and charges160/5€191k€186k▼
Pensions and similar obligations160€191k€186k▼
Amounts payable17/49€527k€821k▲
Amounts payable after more than one year17€91k€79k▼
Financial debts170/4€91k€79k▼
Amounts payable within one year42/48€435k€741k▲
Current portion of amounts payable after more than one year42€12k€12k=
Trade debts44-€852
Suppliers440/4-€852
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€419k€725k▲
Income statement
Code20242025
Non-recurring operating income76A€177k-
Other operating charges640/8€1k€1k▲
Gross operating margin9900€187k€18k▼
Operating profit (loss)9901€186k€16k▼
Financial income75/76B€42-
Recurring financial income75€42-
Financial charges65/66B€167k€7k▼
Recurring financial charges65€11k€7k▼
Non-recurring financial charges66B€156k-
Profit (loss) for the period before taxes9903€20k€10k▼
Profit (loss) for the period9904€20k€10k▼
Profit (loss) for the period to be appropriated9905€20k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€10k▼
Transfer to equity691/2€20k€10k▼
To other reserves6921€20k€10k▼
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Highest result since 2019net €44k ▲2433%
Net result €44k, the highest in the series.
31-12
Financial
Equity above €500kEq €535k ▲376%
2 profitable years in a row build equity to €535k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
31-12
Financial
Weakest financial yearnet €-12k ▼553%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Kruisem · 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.
Gaversstraat(KRU) 49770 KruisemGround area
2,297 m²
Building footprint
141 m²
Volume, LiDAR
640 m³
Parcel 45017D0498/00M000, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
WPS INVEST
since 20182.283.202.430
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017D0498/00M000 | Flanders | 2,297 m² | 1 · 141 m² | 6.0 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.
Similar companies · same sector, comparable size
Weg-Wijs boven
BE 0778.814.186
Gent · Eq €570,167
KOJACC
BE 0507.730.959
Aalst · Eq €570,115
Haliko
BE 0446.469.026
Tielt · Eq €570,106
RALO
BE 0508.630.782
Brugge · Eq €570,482
XsaBer
BE 0775.653.471
Antwerpen · Eq €570,100
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,525 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
Founded19-12-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.