Summary
Group Ter Wyndt 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 €3.04M and a net result of €141k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 5527 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
23 d early
2024
24 d early
2023
14 d early
2022
3 d early
2021
2 d early
2020
2 d early
2019
68 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.04M▲ 86.5%
2024 · €1.63M
2019: €989k
2020: €1.18M
2021: €1.20M
2022: €1.38M
2023: €1.46M
2024: €1.63M
2019 → 2025
Net result
€141k▼ 17.4%
2024 · €170k
2019: €-31k
2020: €195k
2021: €11k
2022: €180k
2023: €83k
2024: €170k
2019 → 2025
Total assets
€7.23M▲ 23.5%
2024 · €5.86M
2019: €5.68M
2020: €6.02M
2021: €5.83M
2022: €5.75M
2023: €5.79M
2024: €5.86M
2019 → 2025
Solvency
42.0%▲ 14.2pp
2024 · 27.8%
2019: 17.4%
2020: 19.7%
2021: 20.5%
2022: 23.9%
2023: 25.2%
2024: 27.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.20M-€1.38M▲ 15.1%€1.46M▲ 6.1%€1.63M▲ 11.7%€3.04M▲ 86.5%
Operating result€91k-€320k▲ 251%€257k▼ 19.7%€416k▲ 62.0%€334k▼ 19.7%
Net result€11k-€180k▲ 1,534%€83k▼ 53.7%€170k▲ 104%€141k▼ 17.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.23M
Fixed assets
€6.82M ▲ 23.0%
Current assets
€415k ▲ 31.8%
Equity and liabilities €7.23M
Equity
€3.04M ▲ 86.5%
Debt
€4.20M ▼ 0.7%
Debt's share of the balance-sheet total falls from 72.2% to 58.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.6%▼
2024 · 10.5%
ROA
1.9%▼
2024 · 2.9%
Debt ≤ 1 year
€300k▼
2024 · €400k
Debt > 1 year
€3.44M▼
2024 · €3.44M
Income taxes
€47k▼
2024 · €57k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.86M€7.23M▲
Fixed assets21/28€5.54M€6.82M▲
Intangible fixed assets21€66€30▼
Financial fixed assets28€5.54M€6.82M▲
Current assets29/58€315k€415k▲
Amounts receivable within one year40/41€244k€301k▲
Trade receivables40€0€10k▲
Other amounts receivable41€244k€291k▲
Cash at bank and in hand54/58€69k€108k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€5.86M€7.23M▲
Equity10/15€1.63M€3.04M▲
Contributions10/11€639k€1.91M▲
Reserves13€990k€1.13M▲
Distributable reserves133€990k€1.13M▲
Amounts payable17/49€4.23M€4.20M▼
Amounts payable after more than one year17€3.44M€3.44M▼
Other amounts payable178/9€3.44M€3.44M▼
Amounts payable within one year42/48€400k€300k▼
Trade debts44€252k€132k▼
Suppliers440/4€252k€132k▼
Taxes, remuneration and social security45€148k€167k▲
Taxes450/3€148k€167k▲
Accrued charges and deferred income492/3€384k€459k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36€36=
Other operating charges640/8€1k€2k▲
Gross operating margin9900€417k€336k▼
Operating profit (loss)9901€416k€334k▼
Financial income75/76B-€25
Recurring financial income75-€25
Financial charges65/66B€189k€147k▼
Recurring financial charges65€189k€147k▼
Profit (loss) for the period before taxes9903€227k€188k▼
Income taxes67/77€57k€47k▼
Profit (loss) for the period9904€170k€141k▼
Profit (loss) for the period to be appropriated9905€170k€141k▼
Appropriation of the result
Profit (loss) to be appropriated9906€170k€141k▼
Transfer to equity691/2€170k€141k▼
To other reserves6921€170k€141k▼
The notes to these accounts (12 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
14-08
State Gazette act
General meeting · Board meeting
Director reappointment · Mandate compensation
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €2MEq €3.04M ▲86.5%
6 profitable years in a row build equity to €3.04M.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €195k
Net result €195k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.18M ▲19.7%
Equity rises from €989k to €1.18M.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Damme · 1 establishment unit since 2019
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.
Doornstraat 168340 DammeGround area
516 m²
Building footprint
1,155 m²
Volume, LiDAR
5,852 m³
Parcel 31026A0298/00R000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Group Ter Wyndt
since 20192.297.852.497
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31026A0298/00R000 | Flanders | 516 m² | 1 · 1,155 m² | 9.4 m · 2 fl. |
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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 9,676 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:09/228.33.23