La Cave à vins
ActiveLa Cave à vins has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €8k. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 65% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-7
Solvency86▲+6
Growth62=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 2.18 in 2024; short-term debt: 39.5% and cash: 9.7% of total assets), and 39.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60.5%
Return on assets
4.2%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
56 d late
2023
91 d late
2022
137 d late
2021
121 d late
2020
20 d late
2019
90 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€366k▼ 1.1%
2018 · €370k
2018: €370k
2018 → 2019
EBIT margin
4.3%▲ 1.9pp
2018 · 2.4%
2018: 2.4%
2018 → 2019
Net result
€8k▼ 57.1%
2024 · €19k
2018: €4k
2019: €11k
2020: €13k
2021: €5k
2022: €9k
2023: €31k
2024: €19k
2018 → 2025
Working capital
€114k▲ 6.8%
2024 · €107k
2018: €20k
2019: €30k
2020: €44k
2021: €43k
2022: €54k
2023: €86k
2024: €107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€61k▲ 17.8%€92k▲ 51.3%€111k▲ 20.9%€119k▲ 7.4%
Operating result€8k-€15k▲ 83.4%€48k▲ 224%€29k▼ 38.8%€15k▼ 48.5%
Net result€5k-€9k▲ 95.2%€31k▲ 239%€19k▼ 38.4%€8k▼ 57.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €196k
Fixed assets
€5k▲ 24.9%
Current assets
€192k▼ 3.0%
Equity and liabilities €196k
Equity
€119k▲ 7.4%
Debt
€77k▼ 14.5%
The debt ratio falls from 45.0% to 39.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €31k
Cash flow
€10k▼
2024 · €21k
Solvency
60.5%▲
2024 · 55.0%
Current ratio
2.48▲
2024 · 2.18
Quick ratio
0.72▲
2024 · 0.64
Debt / equity
0.65▼
2024 · 0.82
ROE
6.9%▼
2024 · 17.3%
ROA
4.2%▼
2024 · 9.5%
Interest coverage
136.71▲
2024 · 88.91
Debt
€77k▼
2024 · €91k
Debt ≤ 1 year
€77k▼
2024 · €91k
Income taxes
€7k▼
2024 · €10k
Staff costs
€37k▲
2024 · €36k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€201k€196k▼
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23€514€169▼
Furniture and vehicles24€2k€3k▲
Financial fixed assets28€2k€2k=
Current assets29/58€198k€192k▼
Stocks and contracts in progress3€139k€136k▼
Stocks30/36€139k€136k▼
Amounts receivable within one year40/41€49k€37k▼
Trade receivables40€41k€30k▼
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€9k€19k▲
Equity and liabilities
Total equity and liabilities10/49€201k€196k▼
Equity10/15€111k€119k▲
Contributions10/11€6k€6k=
Reserves13€40k€40k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€64k€72k▲
Amounts payable17/49€91k€77k▼
Amounts payable within one year42/48€91k€77k▼
Trade debts44€41k€37k▼
Suppliers440/4€41k€37k▼
Taxes, remuneration and social security45€49k€41k▼
Taxes450/3€36k€31k▼
Remuneration and social security454/9€13k€10k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€36k€37k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€11k
Other operating charges640/8€3k€7k▲
Gross operating margin9900€69k€73k▲
Operating profit (loss)9901€29k€15k▼
Financial income75/76B€0€10▲
Recurring financial income75€0€10▲
Financial charges65/66B€347€126▼
Recurring financial charges65€347€126▼
Profit (loss) for the period before taxes9903€29k€15k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€19k€8k▼
Profit (loss) for the period to be appropriated9905€19k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€72k▲
Profit (loss) brought forward from the previous period14P€45k€64k▲
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
Financial
Equity above €100kEq €111k ▲20.9%
7 profitable years in a row build equity to €111k.
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
31-12
Financial
Highest result since 2018net €31k ▲239%
Operating result €48k, net result €31k, both a record.
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 137 days late
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 121 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Visé · 1 establishment unit since 2015
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.
Rue de Jupille 124600 ViséGround area
252 m²
Building footprint
104 m²
Parcel 62108C0729/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
LA CAVE A VINS
since 20152.237.959.452
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108C0729/00F000 | Wallonia | 252 m² | 1 · 104 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVisé2.237.959.452
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BIODYVINO
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RODRIGUES - WIJNEN
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GOUT DIT VIN
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Of 1,051 companies in sector 46341 we hold annual accounts for 535. 388 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2014
Fiscal year end31-12
Activities, NACEBEL
46341Wholesale of wines and spirits
47251Retail sale of wines and spirits
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.