Tom Van Winckel
ActiveTom Van Winckel has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €901. Equity is growing by ~40% per year across the filed fiscal years. Its solvency ranks better than 33% of 7376 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-18
Solvency52▲+6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.47 against 0.33 in 2024; short-term debt: 47.3% and cash: 7.7% of total assets), and 73% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
27%
Return on assets
0.6%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
16 d early
2023
9 d early
2022
24 d late
2021
33 d early
2020
65 d early
2019
21 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 2.4%
2024 · €37k
2018: €-63k
2019: €-47k
2020: €-43k
2021: €-24k
2022: €-19k
2023: €10k
2024: €37k
2018 → 2025
Total assets
€140k▼ 19.5%
2024 · €174k
2018: €301k
2019: €378k
2020: €309k
2021: €233k
2022: €208k
2023: €197k
2024: €174k
2018 → 2025
Net result
€901▼ 96.7%
2024 · €27k
2018: €9k
2019: €16k
2020: €4k
2021: €19k
2022: €5k
2023: €29k
2024: €27k
2018 → 2025
Working capital
€-35k▲ 4.4%
2024 · €-37k
2018: €13k
2019: €25k
2020: €-880
2021: €-11k
2022: €-50k
2023: €-49k
2024: €-37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-24k-€-19k▲ 20.5%€10k€37k▲ 287%€38k▲ 2.4%
Operating result€18k-€6k▼ 68.4%€36k▲ 527%€37k▲ 2.0%€5k▼ 86.2%
Net result€19k-€5k▼ 74.3%€29k▲ 484%€27k▼ 3.7%€901▼ 96.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 86% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€109k▼ 30.3%
Current assets
€31k▲ 75.8%
Equity and liabilities €140k
Equity
€38k▲ 2.4%
Debt
€102k▼ 25.5%
The debt ratio falls from 78.8% to 73.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€53k▼
2024 · €81k
Cash flow
€48k▼
2024 · €72k
Solvency
27.0%▲
2024 · 21.2%
Current ratio
0.47▲
2024 · 0.33
Quick ratio
0.47▲
2024 · 0.33
Debt / equity
2.70▼
2024 · 3.71
ROE
2.4%▼
2024 · 74.1%
ROA
0.6%▼
2024 · 15.7%
Interest coverage
11.45▼
2024 · 18.60
Debt
€102k▼
2024 · €137k
Debt ≤ 1 year
€66k▲
2024 · €55k
Debt > 1 year
€36k▼
2024 · €83k
Income taxes
€1k▼
2024 · €8k
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€174k€140k▼
Fixed assets21/28€157k€109k▼
Intangible fixed assets21€75k€50k▼
Tangible fixed assets22/27€81k€59k▼
Plant, machinery and equipment23€15k€10k▼
Furniture and vehicles24€66k€49k▼
Financial fixed assets28€400€400=
Current assets29/58€18k€31k▲
Amounts receivable within one year40/41€4k€19k▲
Other amounts receivable41€4k€19k▲
Cash at bank and in hand54/58€8k€11k▲
Deferred charges and accrued income490/1€5k€967▼
Equity and liabilities
Total equity and liabilities10/49€174k€140k▼
Equity10/15€37k€38k▲
Contributions10/11€6k€6k=
Reserves13€31k€32k▲
Distributable reserves133€31k€32k▲
Amounts payable17/49€137k€102k▼
Amounts payable after more than one year17€83k€36k▼
Financial debts170/4€56k€36k▼
Other amounts payable178/9€27k€0▼
Amounts payable within one year42/48€55k€66k▲
Current portion of amounts payable after more than one year42€27k€25k▼
Trade debts44€5k€15k▲
Suppliers440/4€5k€15k▲
Taxes, remuneration and social security45€11k€6k▼
Taxes450/3€11k€0▼
Remuneration and social security454/9€0€6k▲
Other amounts payable47/48€12k€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€48k▲
Other operating charges640/8€1k€861▼
Gross operating margin9900€82k€53k▼
Operating profit (loss)9901€37k€5k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€35k€2k▼
Income taxes67/77€8k€1k▼
Profit (loss) for the period9904€27k€901▼
Profit (loss) for the period to be appropriated9905€27k€901▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€901▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€27k€901▼
To other reserves6921€27k€901▼
The notes to these accounts (14 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €901 ▼96.7%
Net result drops to €901, the lowest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €29k ▲484%
Net result €29k, the highest in the series.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB 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, Heist-op-den-Berg · 1 establishment unit since 2004
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.
Wouwerstraat 122220 Heist-op-den-BergGround area
2.9 ha
Building footprint
162 m²
Volume, LiDAR
1,201 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Tom Van Winckel
since 20042.145.511.128
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0779/00Z000 | Flanders | 2.7 ha | - | - |
| 12322I0860/00Z000 | Flanders | 2,048 m² | 1 · 162 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 12,785 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2004
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
70311
68110Buying and selling of own real estate
68310Real estate agency activities
68311Real estate activities
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.