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BW WIN

Active
Private limited company·Schrijnwerk· 2 yrs active
Margensault 40 ·4890 Thimister-Clermont, Belgium
KBO/BCE: BE 1007.750.519
Watch Print / PDF
Age2 yrs
Real estate1 parcel · 1,012 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BW WIN is 2.6% (moderate). The 2025 annual accounts show equity of €24k and a net result of €3k. Its solvency ranks better than 95% of 2873 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

2 signals · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 2873 peers (2025). A comfortable equity buffer.
View the sector comparison
Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-05-2026, 73 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 19-05-2026 73 d early 2026-00123169
31-12-2024 31-07-2025 27-08-2025 27 d late 2025-00425552

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.6% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€3k-83.3%
Working capital€11k+515.4%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 19-05-2026 with the NBB · fiscal year 2025 · micro
€0€10k€20kOperating result 2024: €22k€22kNet result 2024: €17k€17kOperating result 2025: €4k€4kNet result 2025: €3k€3k20242025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 88.2% 43.4%
better than 95% of 2873 sector peers
Net result €3k €13k
better than 26% of 2872 sector peers
Equity €24k €44k
better than 32% of 2873 sector peers
Gross operating margin €11k €39k
better than 19% of 2870 sector peers
Total assets €27k €115k
better than 8% of 2873 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€11k
-52.4% 24-25
Net profit
€3k
-83.3% 24-25
Cash flow
€10k
-46.1% 24-25
Total assets
€27k
-9.9% 24-25
Equity
€24k
+9.6% 24-25
Working capital
€11k
+515.4% 24-25
Income taxes
€721
-83.2% 24-25
Dividends
€833
0.0% 24-25
Debt
€3k
-61.3% 24-25
Debt ≤ 1y
€3k
-62.3% 24-25
Current ratio
4.53
+272.4% 24-25
Quick ratio
4.53
+272.4% 24-25
Solvency
88.2%
+21.7% 24-25
Debt / equity
0.13
-64.7% 24-25
ROE
12.3%
-84.8% 24-25
ROA
10.8%
-81.5% 24-25
Interest coverage
42.43
-71.1% 24-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€11k
Net profit€3k
Cash flow€10k
Staff costs-
Income taxes€721
Dividends€833
Total assets€27k
Equity€24k
Debt€3k
of which ≤ 1y€3k
of which > 1y-
Working capital€11k
Employees (FTE)-
Ratios (computed)
2025
Current ratio4.53
Quick ratio4.53
Working capital ratio40.1%
Solvency88.2%
Debt / equity0.13
Long-term debt ratio-
Interest coverage42.43
Gross margin-
Net margin-
ROA10.8%
ROE12.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€27k
Fixed assets 21/28€13k
Tangible fixed assets 22/27€13k
Current assets 29/58€14k
Amounts receivable within one year 40/41€377
Cash & bank 54/58€12k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€27k
Equity 10/15€24k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€19k
Amounts payable 17/49€3k
Amounts payable within one year 42/48€3k
Trade debts payable within one year 44€128
Income statement
Gross operating margin 9900€11k
Operating result 9901€4k
Financial charges 65€253
Result before taxes 9903€4k
Income taxes 67/77€721
Net result for the period 9904€3k
Result to be appropriated 9905€3k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
93 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Margensault 404890 Thimister-Clermont

Establishment units

1 location
BW WIN
Margensault 40, 4890 Thimister-ClermontSmeden van metaal
since 20242.357.804.932
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,012 m²
Buildings1
Building footprint148 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63077B0382/00Y000 Wallonia 1,012 m² 1 · 148 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability61Solvency100Growth52Stability82
78 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 93
Profitability 61
Solvency 100
Growth 52
Stability 82

Ask AI about this company

Checked AI

Soon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.

TryWhat are the main risks?Any recent red flags?Compare to sector peers
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AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,271 of the 20,017 companies in this sector. 1,986 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Schrijnwerk43320Schrijnwerk43320Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Elektrotechnische installatiewerken aan gebouwen43211Algemene elektrotechnische installatiewerken43211Installatie van isolatie43230Isolatiewerkzaamheden43291Dakwerkzaamheden43410Dakwerkzaamheden43910
Primary activity highlighted.
Names & trade names
Legal nameFR BW WIN
Registered office
Margensault 40
4890 Thimister-Clermont, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.