Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 28 % of short-term debt in 2026; threshold 65 %.
Financials
Financial year 2026
Wise Europe from Elsene, company number BE0713629988, closed financial year 2026 with a result of € 2.7 million after tax. For that financial year Wise Europe recorded revenue of € 434 million and equity of € 36.4 million. Compared with financial year 2025, the result moved from € 4.4 million to € 2.7 million. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 25, 2026.
€ 36.4 million
▲ 27% vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2.7 million
▼ 37% vs 2025
Profit after tax over the fiscal year.
€ 2.3 billion
▲ 87% vs 2025
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2026. Retained profit grew to € 12.7 million.
People and assets in 2026
38.8
▲ 12.5 vs 2025
Average over the fiscal year, from the social balance sheet.
€ 14.1 million
▲ 35% vs 2025
€ 362,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 19,754
▼ 65% vs 2025
Book value of vehicles, furniture and equipment.
Debts at end 2026
None
No bank loans on the last day of the fiscal year.
€ 9.5 billion
▲ 21% vs 2025
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 8746 days on average.
€ 8.3 million
▼ 5% vs 2025
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Revenue | € 254,885,303 | € 306,613,387 | € 375,892,329 | € 433,960,714 | ▲ 15% |
| Profit after taxes | € 2,290,187 | € 2,978,921 | € 4,355,504 | € 2,727,708 | ▼ 37% |
| Equity | € 21,315,016 | € 24,293,937 | € 28,649,441 | € 36,377,149 | ▲ 27% |
| Total debts | € 4,346,314,498 | € 5,953,311,480 | € 7,975,343,653 | € 9,772,550,955 | ▲ 23% |
| Cash | € 1,331,641,510 | € 1,858,868,494 | € 1,213,002,097 | € 2,268,248,123 | ▲ 87% |
| Retained profit | € 2,620,828 | € 5,599,749 | € 9,955,253 | € 12,682,961 | ▲ 27% |
| Balance sheet total | € 4,368,964,981 | € 5,979,887,274 | € 8,008,547,869 | € 9,819,443,279 | ▲ 23% |
| Employees (FTE) | 18.4 | 25.9 | 26.3 | 38.8 | ▲ 12.5 |
Key figures of Wise Europe, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 October 2027.
What happened to Wise Europe?
What happened at Wise Europe in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Kingsley Kemish stepped down as director. NBB
- Xavier De Pauw stepped down as director. NBB
- Kathleen Ramsey stepped down as director. NBB
- Wouter Dhont stepped down as director. NBB
- Kristo KÄÄRMANN stepped down as director. NBB
- New annual accounts for financial year 2026: profit of € 2.7 million (▼ 37% vs 2025). Source: NBB ↗
- Kristo KÄÄRMANN became a director. NBB
- Kingsley Kemish became a director. NBB
In short
From € 2.3 million profit in 2023 to € 2.7 million profit in 2026.
Paid € 6.7 million in corporate taxes since 2023.
Best year ever: 2025, with € 4.4 million profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The shares are held by Wise Payments Limited (100%) and Wise Asia-Pacific Pte. Ltd. (0%).
Directors
According to the 2026 annual accounts
Kristo KÄÄRMANN
Director
since 2024 · until 2027
Xavier De Pauw
Director
since 2022 · until 2028
Kathleen Ramsey
Director
since 2022 · until 2028
Kingsley Kemish
Director
since 2023 · until 2029
since 2022 · until 2028
Shareholders
Wise Payments Limited
100%
Wise Asia-Pacific Pte. Ltd.
0%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Troonstraat 100
1050 Elsene
Troonstraat 100
1000 Brussel
Active since 16 November 2018
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 7 companies are registered at this address.
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What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0713.629.988
- VAT number
- BE 0713.629.988
- Registered office
- Troonstraat 100, 1050 Elsene
- Names & denominations
- Wise Europe
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 16 November 2018
- Peppol
- Active · Active since 21 Aug 2026
- Activities · NACE
Activiteiten van holdings
Overige financiële dienstverlening, neg
Holdings
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen