WYCHUYSE
ActiveWYCHUYSE 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 €648k and a net result of €190k. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 1457 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
54 d late
2022
60 d late
2021
23 d early
2020
27 d late
2019
91 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€648k▲ 41.5%
2024 · €458k
2018: €115k
2019: €153k
2020: €185k
2021: €254k
2022: €254k
2023: €366k
2024: €458k
2018 → 2025
Net result
€190k▲ 46.8%
2024 · €129k
2018: €8k
2019: €38k
2020: €33k
2021: €69k
2022: €64k
2023: €120k
2024: €129k
2018 → 2025
Total assets
€940k▲ 10.1%
2024 · €854k
2018: €368k
2019: €424k
2020: €429k
2021: €467k
2022: €771k
2023: €799k
2024: €854k
2018 → 2025
Solvency
68.9%▲ 15.3pp
2024 · 53.6%
2018: 31.3%
2019: 36.0%
2020: 43.2%
2021: 54.4%
2022: 33.0%
2023: 45.8%
2024: 53.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€254k-€254k▲ 0.1%€366k▲ 44.0%€458k▲ 25.1%€648k▲ 41.5%
Operating result€61k-€52k▼ 14.4%€52k▲ 0.4%€67k▲ 28.1%€84k▲ 26.7%
Net result€69k-€64k▼ 7.0%€120k▲ 87.2%€129k▲ 8.0%€190k▲ 46.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 27% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €940k
Fixed assets
€657k▼ 0.3%
Current assets
€283k▲ 44.9%
Equity and liabilities €940k
Equity
€648k▲ 41.5%
Debt
€292k▼ 26.2%
The debt ratio falls from 46.4% to 31.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
68.9%▲
2024 · 53.6%
ROE
29.3%▲
2024 · 28.2%
ROA
20.2%▲
2024 · 15.2%
Debt
€292k▼
2024 · €396k
Debt ≤ 1 year
€102k▼
2024 · €141k
Debt > 1 year
€190k▼
2024 · €251k
Income taxes
€39k▲
2024 · €29k
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€854k€940k▲
Fixed assets21/28€659k€657k▼
Tangible fixed assets22/27€105k€104k▼
Land and buildings22€99k€88k▼
Plant, machinery and equipment23-€6k
Furniture and vehicles24€3k€4k▲
Other tangible fixed assets26€4k€5k▲
Financial fixed assets28€553k€553k=
Current assets29/58€196k€283k▲
Amounts receivable within one year40/41€2k-
Trade receivables40€2k-
Cash at bank and in hand54/58€190k€280k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€854k€940k▲
Equity10/15€458k€648k▲
Contributions10/11€19k€19k=
Reserves13€440k€630k▲
Distributable reserves133€440k€630k▲
Amounts payable17/49€396k€292k▼
Amounts payable after more than one year17€251k€190k▼
Financial debts170/4€251k€190k▼
Amounts payable within one year42/48€141k€102k▼
Current portion of amounts payable after more than one year42€60k€61k▲
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€15k€31k▲
Taxes450/3€15k€31k▲
Remuneration and social security454/9-€144
Other amounts payable47/48€64k€9k▼
Accrued charges and deferred income492/3€4k€980▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€82k€100k▲
Operating profit (loss)9901€67k€84k▲
Financial income75/76B€102k€153k▲
Recurring financial income75€102k€153k▲
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€158k€230k▲
Income taxes67/77€29k€39k▲
Profit (loss) for the period9904€129k€190k▲
Profit (loss) for the period to be appropriated9905€129k€190k▲
Appropriation of the result
Profit (loss) to be appropriated9906€129k€190k▲
Transfer from equity791/2€38k-
Transfer to equity691/2€129k€190k▲
To other reserves6921€129k€190k▲
Profit to be distributed694/7€38k-
Return on contributions (dividend)694€38k-
The notes to these accounts (17 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €190k ▲46.8%
Operating result €84k, net result €190k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.79
Current ratio from 1.38 to 2.79; short-term debt falls from €141k to €102k.
31-12
Financial
Equity above €500kEq €648k ▲41.5%
8 profitable years in a row build equity to €648k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 54 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €254k ▲37.1%
4 profitable years in a row build equity to €254k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Equity above €150kEq €153k ▲32.6%
2 profitable years in a row build equity to €153k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ninove · 1 establishment unit since 2010
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.
Albertlaan 162A9406 NinoveGround area
3,899 m²
Building footprint
259 m²
Parcel 41055A1486/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
WYCHUYSE
since 20102.185.658.438
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41055A1486/00L000 | Flanders | 3,899 m² | 1 · 259 m² | - |
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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PARENT ASSURANCES
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VERZEKERINGEN SOMERS
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ONIVA
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Of 4,670 companies in sector 66220 we hold annual accounts for 3,216. 2,461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2010
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.