WTM
ActiveSummary
WTM has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €40k. Equity is growing by ~49.5% per year across the filed fiscal years. Its solvency ranks better than 75% of 2276 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
92
/ 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
Profitability100=
Solvency97▲+18
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.51 against 2.21 in 2024; short-term debt: 27.6% and cash: 75% of total assets), and 28.4% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
71.6%
Return on assets
26.6%
Age of the figures
9 mo
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 22-05-2026, 70 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
70 d early
2024
66 d early
2023
98 d early
2022
67 d early
← 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
€107k▲ 59.3%
2024 · €67k
2022: €39k
2023: €35k
2024: €67k
2022 → 2025
Total assets
€149k▲ 20.5%
2024 · €124k
2022: €74k
2023: €70k
2024: €124k
2022 → 2025
Net result
€40k▲ 22.7%
2024 · €32k
2022: €19k
2023: €-4k
2024: €32k
2022 → 2025
Working capital
€103k▲ 64.2%
2024 · €63k
2022: €30k
2023: €21k
2024: €63k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€39k-€35k▼ 10.4%€67k▲ 93.4%€107k▲ 59.3%
Operating result€25k-€-3k€43k€54k▲ 26.6%
Net result€19k-€-4k€32k€40k▲ 22.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149k
Fixed assets
€5k ▼ 47.1%
Current assets
€144k ▲ 25.8%
Equity and liabilities €149k
Equity
€107k ▲ 59.3%
Debt
€42k ▼ 25.3%
Debt's share of the balance-sheet total falls from 45.8% to 28.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▲
2024 · €56k
Cash flow
€44k▼
2024 · €46k
Current ratio
3.51▲
2024 · 2.21
Debt to equity
0.40▼
2024 · 0.85
ROE
37.2%▼
2024 · 48.3%
ROA
26.6%▲
2024 · 26.2%
Interest coverage
56.76▲
2024 · 47.20
Debt ≤ 1 year
€41k▼
2024 · €52k
Debt > 1 year
€1k▼
2024 · €5k
Income taxes
€13k▲
2024 · €9k
Staff costs
€95k▲
2024 · €88k
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€124k€149k▲
Fixed assets21/28€9k€5k▼
Tangible fixed assets22/27€9k€5k▼
Furniture and vehicles24€795€0▼
Leasing and similar rights25€8k€5k▼
Current assets29/58€115k€144k▲
Amounts receivable within one year40/41€70k€32k▼
Trade receivables40€70k€32k▼
Other amounts receivable41€170€100▼
Cash at bank and in hand54/58€44k€112k▲
Deferred charges and accrued income490/1€68€101▲
Equity and liabilities
Total equity and liabilities10/49€124k€149k▲
Equity10/15€67k€107k▲
Contributions10/11€20k€20k=
Reserves13€47k€87k▲
Distributable reserves133€47k€87k▲
Amounts payable17/49€57k€42k▼
Amounts payable after more than one year17€5k€1k▼
Financial debts170/4€5k€1k▼
Amounts payable within one year42/48€52k€41k▼
Current portion of amounts payable after more than one year42€3k€4k▲
Trade debts44€23k€7k▼
Suppliers440/4€23k€7k▼
Taxes, remuneration and social security45€25k€30k▲
Taxes450/3€15k€20k▲
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€400€400=
Income statement
Code20242025
Remuneration, social security and pensions62€88k€95k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€4k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€145k€154k▲
Operating profit (loss)9901€43k€54k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€42k€53k▲
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€32k€40k▲
Profit (loss) for the period to be appropriated9905€32k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€40k▲
Transfer from equity791/2€0-
Transfer to equity691/2€32k€40k▲
To other reserves6921€32k€40k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (10 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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2022net €40k ▲22.7%
Operating result €54k, net result €40k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲59.3%
2 profitable years in a row build equity to €107k.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-4k ▼122%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Westerlo · 1 establishment unit since 2021
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.
Boerenkrijglaan 12260 WesterloGround area
287 m²
Building footprint
192 m²
Volume, LiDAR
881 m³
Parcel 13049B0773/00N000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WTM
since 20212.326.004.570
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049B0773/00N000 | Flanders | 287 m² | 1 · 192 m² | 9.9 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.
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365+
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INPRESSION
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CHALLENGE IT
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,185 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
Founded24-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
49410Freight transport by road
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.