What does WISE CONSULT do?

WISE CONSULT is an insurance broker in Pepingen. Private Limited, started on 12 February 2004, 2 establishments.

What is the address of WISE CONSULT?

The registered office of WISE CONSULT is located at Ninoofsesteenweg(P) 93, 1670 Pepingen.

Is WISE CONSULT still active?

Yes. According to the CBE (29 October 2026) WISE CONSULT is active, legal situation “Normale toestand”, started on 12 February 2004.

Is WISE CONSULT registered on Peppol?

Yes, WISE CONSULT is registered on the Peppol network with ID 0208:0863394822.

What is the enterprise number of WISE CONSULT?

The enterprise number of WISE CONSULT is BE0863394822.

When was WISE CONSULT founded?

WISE CONSULT was founded on 12 February 2004.

Who are the directors of WISE CONSULT?

According to the 2025 annual accounts, the directors of WISE CONSULT are: Servan BV, Allround Finance BV, ToVa BV.

Is WISE CONSULT a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 12 February 2004; 5 annual accounts filed, latest fiscal year 2025; 3 directors known from the annual account; 2 establishments in the CBE.

How much profit did WISE CONSULT make in 2025?

WISE CONSULT recorded a loss after taxes of € 259,911 in financial year 2025.

What is the revenue of WISE CONSULT?

As a small company, WISE CONSULT is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 431,592.

How much does an employee at WISE CONSULT earn?

The average wage cost per full-time employee at WISE CONSULT was € 56,500 in 2025: staff costs of € 310,855 for 5.5 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does WISE CONSULT have?

According to the 2025 annual accounts, WISE CONSULT has 5.5 full-time equivalents (FTE).

WISE CONSULT (Private Limited) - Pepingen - BE0863394822

Dossier WISE CONSULT, printed on 29 October 2026 from databakkes.be/en/0863394822/wise-consult. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Negative equity NBB

More debt than assets in 1 of the last 4 fiscal years.
Two loss years in a row NBB

Negative result in 2024 and 2025.

Financials

Financial year 2025

WISE CONSULT from Pepingen, company number BE0863394822, closed financial year 2025 with a result of € -259,911 after tax. For that financial year WISE CONSULT recorded a gross margin of € 431,592 and equity of € -126,353. Compared with financial year 2024, the result moved from € -77,240 to € -259,911. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.

What it is worth Caution

€ -126,353

▼ € 139,911 vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -259,911

▼ 236 % more loss than in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 46,449

▲ € 45,999 vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -264,953.

People and assets in 2025

Full-time equivalents

5.5

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 310,855

▲ 9% vs 2024

€ 56,500 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.

Debts at end 2025

Bank debt ≈ 8 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 1.1 million

▲ 6% vs 2024

€ 146,704 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.

Owed to suppliers

€ 63,704

▼ 66% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Taxes and wages

€ 71,833

▼ 6% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 251,213 Gross margin 2022: € 251,213 First fiscal year in the series	€ 303,047 Gross margin 2023: € 303,047 ▲ 21% vs 2022 (€ 251,213) Favourable step	€ 438,138 Gross margin 2024: € 438,138 ▲ 45% vs 2023 (€ 303,047) Favourable step	€ 431,592 Gross margin 2025: € 431,592 ▼ 1% vs 2024 (€ 438,138) Unfavourable step	▼ 1%
Profit after taxes	€ 7,108 Profit after taxes 2022: € 7,108 First fiscal year in the series	€ 11,344 Profit after taxes 2023: € 11,344 ▲ 60% vs 2022 (€ 7,108) Favourable step	€ -77,240 Profit after taxes 2024: € -77,240 ▼ € 88,584 vs 2023 (€ 11,344) Unfavourable step	€ -259,911 Profit after taxes 2025: € -259,911 ▼ € 182,671 vs 2024 (€ -77,240) Unfavourable step	▼ € 182,671
Equity	€ 79,454 Equity 2022: € 79,454 First fiscal year in the series	€ 90,798 Equity 2023: € 90,798 ▲ 14% vs 2022 (€ 79,454) Favourable step	€ 13,558 Equity 2024: € 13,558 ▼ 85% vs 2023 (€ 90,798) Unfavourable step	€ -126,353 Equity 2025: € -126,353 ▼ € 139,911 vs 2024 (€ 13,558) Unfavourable step	▼ € 139,911
Total debts	€ 699,421 Total debts 2022: € 699,421 First fiscal year in the series	€ 1,434,661 Total debts 2023: € 1,434,661 ▲ 105% vs 2022 (€ 699,421) Unfavourable step	€ 1,402,614 Total debts 2024: € 1,402,614 ▼ 2% vs 2023 (€ 1,434,661) Favourable step	€ 1,254,389 Total debts 2025: € 1,254,389 ▼ 11% vs 2024 (€ 1,402,614) Favourable step	▼ 11%
Cash	€ 2,221 Cash 2022: € 2,221 First fiscal year in the series	€ 483 Cash 2023: € 483 ▼ 78% vs 2022 (€ 2,221) Unfavourable step	€ 450 Cash 2024: € 450 ▼ 7% vs 2023 (€ 483) Unfavourable step	€ 46,449 Cash 2025: € 46,449 ▲ € 45,999 vs 2024 (€ 450) Favourable step	▲ € 45,999
Land & buildings	€ 37,147 Land & buildings 2022: € 37,147 First fiscal year in the series	€ 18,916 Land & buildings 2023: € 18,916 ▼ 49% vs 2022 (€ 37,147) Unchanged	€ 12,861 Land & buildings 2024: € 12,861 ▼ 32% vs 2023 (€ 18,916) Unchanged	€ 6,431 Land & buildings 2025: € 6,431 ▼ 50% vs 2024 (€ 12,861) Unchanged	▼ 50%
Retained profit	€ 60,854 Retained profit 2022: € 60,854 First fiscal year in the series	€ 72,198 Retained profit 2023: € 72,198 ▲ 19% vs 2022 (€ 60,854) Favourable step	€ -5,042 Retained profit 2024: € -5,042 ▼ € 77,240 vs 2023 (€ 72,198) Unfavourable step	€ -264,953 Retained profit 2025: € -264,953 ▼ € 259,911 vs 2024 (€ -5,042) Unfavourable step	▼ € 259,911
Bank debt	€ 485,181 Bank debt 2022: € 485,181 First fiscal year in the series	€ 1,154,530 Bank debt 2023: € 1,154,530 ▲ 138% vs 2022 (€ 485,181) Unfavourable step	€ 1,053,373 Bank debt 2024: € 1,053,373 ▼ 9% vs 2023 (€ 1,154,530) Favourable step	€ 1,118,778 Bank debt 2025: € 1,118,778 ▲ 6% vs 2024 (€ 1,053,373) Unfavourable step	▲ 6%
Balance sheet total	€ 778,875 Balance sheet total 2022: € 778,875 First fiscal year in the series	€ 1,525,459 Balance sheet total 2023: € 1,525,459 ▲ 96% vs 2022 (€ 778,875) Unchanged	€ 1,416,172 Balance sheet total 2024: € 1,416,172 ▼ 7% vs 2023 (€ 1,525,459) Unchanged	€ 1,128,036 Balance sheet total 2025: € 1,128,036 ▼ 20% vs 2024 (€ 1,416,172) Unchanged	▼ 20%
Employees (FTE)	2.5 Employees (FTE) 2022: 2.5 First fiscal year in the series	2.9 Employees (FTE) 2023: 2.9 ▲ 0.4 vs 2022 (2.5) Unchanged	5.5 Employees (FTE) 2024: 5.5 ▲ 2.6 vs 2023 (2.9) Unchanged	5.5 Employees (FTE) 2025: 5.5 Unchanged (5.5) Unchanged

Key figures of WISE CONSULT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to WISE CONSULT?

What happened at WISE CONSULT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 30, 2026 New annual accounts for financial year 2025: loss of € 259,911. Source: NBB ↗
Nov 1, 2017 New establishment in Halle. KBO
2016 ToVa BV became a director. NBB
2012 Allround Finance BV became a director. NBB
2008 Servan BV became a director. NBB
Feb 12, 2004 New establishment in Pepingen. KBO
Feb 12, 2004 Start of the company according to the CBE. KBO

In short

From € 7,108 profit in 2022 to € 259,911 loss in 2025.

Paid € 16,677 in corporate taxes since 2022.

Best year ever: 2023, with € 11,344 profit.

On average € 78,500 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

ALLROUND FINANCE 26%

ToVa 23%

iFin 15.7%

servan 10%

The stake of ALLROUND FINANCE, ToVa, iFin, servan comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

WISE CONSULT

Behind WISE CONSULT are Servan BV, Allround Finance BV and ToVa BV. The shares are held by ALLROUND FINANCE (26%), ToVa (23%), iFin (15.7%) and servan (10%).