BW FINANCES
0555.858.894 · rovalta.com · 24/09/2026
ACTIVE
BW FINANCES
Financial year 2025 · closed on 30/06/2025
Net result
-12,2 k €
-127.5% YoY
Gross margin
188,3 k €
+14.1% YoY
Equity
90,5 k €
-11.9% YoY
Workforce
1,6 ETP
+6.7% YoY
Overview
What does BW FINANCES do?
BW FINANCES is a Private limited company incorporated in 2014. Its main activity is: Non-life insurance. Its registered office is in Chastre. It employs on average 1,6 ETP workers (FTE).
Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0555.858.894
Incorporation
09/07/2014
Legal form
Private limited company
Registered office
Rue du Village 8
1450 Chastre · WallonieSee on map
1450 Chastre · WallonieSee on map
Contributed capital
31 620,00 €
Latest accounts
30/06/2025
Average workforce
1,6 ETP
Activities (NACE)
Joint committees (1)
- 307
Signals
Low riskPositive cashflowPositive EBITDAHealthy social debts
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Financials
Trend over 10 financial years
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2018 | 2017 | 2016 | 2015 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | |||||||||||||||||||
| Gross margin | 188,3 k € | +14.1% | 165,1 k € | +56.7% | 105,4 k € | -30.8% | 152,2 k € | -26.6% | 207,3 k € | -18.5% | 254,5 k € | +42.9% | 178 k € | -21.5% | 226,8 k € | -12.6% | 259,4 k € | +8.9% | 238,3 k € |
| EBITDA | 57,4 k € | -41.4% | 97,9 k € | +37.7% | 71,1 k € | +144% | -161,3 k € | -230% | 124,4 k € | +2.0% | 122 k € | +37.2% | 89 k € | -51.4% | 183 k € | -16.3% | 218,5 k € | +11.8% | 195,4 k € |
| Operating result | 8,2 k € | -87.4% | 65,2 k € | +65.5% | 39,4 k € | +120% | -192,6 k € | -302% | 95,6 k € | +46.1% | 65,4 k € | +41.8% | 46,1 k € | -68.3% | 145,6 k € | -20.8% | 183,8 k € | +23.4% | 149 k € |
| Net result | -12,2 k € | -128% | 44,5 k € | +65.6% | 26,9 k € | +113% | -199,4 k € | -437% | 59,2 k € | +91.7% | 30,9 k € | +45.2% | 21,3 k € | -73.1% | 79 k € | -30.7% | 114 k € | +30.6% | 87,2 k € |
| Balance sheet | |||||||||||||||||||
| Equity | 90,5 k € | -11.9% | 102,7 k € | +76.4% | 58,2 k € | +85.7% | 31,4 k € | -88.0% | 260,7 k € | +29.4% | 201,5 k € | +18.1% | 170,6 k € | +14.3% | 149,3 k € | -14.8% | 175,3 k € | +121% | 79,4 k € |
| Total assets | 304,6 k € | +24.3% | 245,1 k € | +9.8% | 223,1 k € | -22.0% | 286 k € | -52.6% | 602,9 k € | -5.2% | 635,7 k € | -19.9% | 793,9 k € | -39.3% | 1,3 M € | +254% | 369 k € | +26.2% | 292,4 k € |
| Cash | 17,2 k € | -41.0% | 29,1 k € | -31.8% | 42,7 k € | +29.1% | 33,1 k € | +57.3% | 21 k € | -66.4% | 62,5 k € | -68.1% | 195,8 k € | -13.5% | 226,3 k € | +5.5% | 214,5 k € | +54.8% | 138,6 k € |
| Debts | 214,1 k € | +50.4% | 142,4 k € | -13.7% | 164,9 k € | -35.3% | 254,7 k € | -25.6% | 342,2 k € | -21.1% | 433,6 k € | -30.4% | 623,1 k € | -46.1% | 1,2 M € | +502% | 192,1 k € | -9.8% | 212,9 k € |
| Other | |||||||||||||||||||
| Workforce | 1,6 ETP | +6.7% | 1,5 ETP | – | – | – | – | – | – | – | – | ||||||||
Estimate
Indicative valuation
As an indication, this company is worth
between 100 k€ and 250 k€
See the valuationGovernance
Board of directors
Seen on filing of 30/06/2025 · 2 active · 7 ended
Active mandates
Active
Active
Ended mandates
At this address
Other companies at this address
| Company | CBE no. |
|---|---|
FrM Projects● Active | 0778.314.241 |
UTVA BW FINANCES● Active | 0783.210.563 |
Financials
Annual accounts
Full financial information
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Type of account | Abridged model | Abridged model | Micro model | Micro model | Micro model | Micro model |
| Start of the financial year | 01/07/2024 | 01/07/2023 | 01/07/2022 | 01/07/2021 | 01/07/2020 | 01/01/2019 |
| Closing of the financial year | 30/06/2025 | 30/06/2024 | 30/06/2023 | 30/06/2022 | 30/06/2021 | 30/06/2020 |
| Length of the financial year | 12 months | 12 months | 12 months | 12 months | 12 months | 18 months |
| Filing date | 25/01/2026 | 27/01/2025 | 02/11/2023 | 17/02/2023 | 31/01/2022 | 29/01/2021 |
| General meeting | 26/12/2025 | 27/12/2024 | 04/10/2023 | 30/12/2022 | 31/12/2021 | 28/12/2020 |
| Currency of the financial year | EUR | EUR | EUR | EUR | EUR | EUR |
| NBB quality label | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls | Satisfying controls |
Ratios
Financial ratios
Looking for more information about this company?
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Annual accounts filings
11 filings with the NBB
| Model | Closing | General meeting | Filed | Language | Document |
|---|---|---|---|---|---|
| Abridged model | 30/06/2025 | 26/12/2025 | 25/01/2026 | French | |
| Abridged model | 30/06/2024 | 27/12/2024 | 27/01/2025 | French | |
| Micro model | 30/06/2023 | 04/10/2023 | 02/11/2023 | French | |
| Micro modelCorrection | 30/06/2022 | 30/12/2022 | 17/02/2023 | French | |
| Micro model | 30/06/2022 | 30/12/2022 | 31/01/2023 | French | |
| Micro model | 30/06/2021 | 31/12/2021 | 31/01/2022 | French | |
| Micro model | 30/06/2020 | 28/12/2020 | 29/01/2021 | French | |
| Micro model | 31/12/2018 | 15/06/2019 | 30/08/2019 | French | |
| Micro model | 31/12/2017 | 15/06/2018 | 13/08/2018 | French | |
| Abridged model | 31/12/2016 | 15/06/2017 | 27/09/2017 | French | |
| Abridged model | 31/12/2015 | 15/06/2016 | 03/08/2016 | French |
Valuation
Estimate
Indicative valuation
Order of magnitude
As an indication, this company is worth
between 100 k€ and 250 k€
The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.
Disclaimer
Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.
Directors & structure
Governance
Board of directors
Seen on filing of 30/06/2025 · 2 active · 7 ended
Active mandates
Active
Active
Ended mandates
Shareholders
Ownership and network
Looking for more information about this company?
Try for 7 daysPublications
Belgian Official Gazette
Belgian Official Gazette publications
- Mandates09/04/2024DEMISSIONS, NOMINATIONS
- Registered office09/06/2023SIEGE SOCIAL
- Mandates15/02/2022DEMISSIONS, NOMINATIONS
- Mandates27/07/2021DEMISSIONS, NOMINATIONS
- Mandates15/01/2020DEMISSIONS, NOMINATIONS - ASSEMBLEE GENERALE - ANNEE COMPTABLE - MODIFICATION FORME JURIDIQUE
- Mandates27/05/2019DEMISSIONS, NOMINATIONS
- Mandates28/06/2016DENOMINATION - DEMISSIONS, NOMINATIONS
- Capital / shares01/10/2014CAPITAL, ACTIONS
Source: Belgian Official Gazette
Similar companies
Competition
Similar companies
A company's peers, by sector and size, are included in the Business plan.
See the Business planTimeline
Timeline
- 2025Annual accounts 2025-12,2 k €↓
- 2024Annual accounts 202444,5 k €↑
- 2023Annual accounts 202326,9 k €↑
- 2022Annual accounts 2022-199,4 k €↓
- 2021Annual accounts 202159,2 k €↑
- 2020Annual accounts 202030,9 k €↑
- 2018Annual accounts 201821,3 k €↓
- 2017Annual accounts 201779 k €↓
- 2016Annual accounts 2016114 k €↑
- 2015Annual accounts 201587,2 k €
- 09/07/2014IncorporationPrivate limited company