Wine And Joy
ActiveSummary
Wine And Joy has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €18k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 48% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
71
/ 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
Profitability100=
Solvency64▲+28
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.08 in 2024; short-term debt: 43.9% and cash: 0.4% of total assets), but 60.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39.2%
Return on assets
30.7%
Age of the figures
20 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 · Latest accounts filed on time
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 16-07-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
not confirmed
2025
46 d early
2024
64 d early
2023
55 d early
2022
33 d early
2021
42 d early
2020
3 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Turnover
€27k
EBIT margin
-47.3%
Net result
€18k▼ 52.1%
2024 · €37k
2019: €-13k
2020: €-18k
2021: €-8k
2022: €-18k
2023: €15k
2024: €37k
2019 → 2025
Working capital
€15k▲ 346%
2024 · €3k
2019: €-7k
2020: €-26k
2021: €-35k
2022: €-51k
2023: €-35k
2024: €3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-29k-€-47k▼ 61.6%€-32k▲ 31.4%€5k€23k▲ 363%
Operating result€-7k-€-18k▼ 145%€15k€37k▲ 147%€20k▼ 46.4%
Net result€-8k-€-18k▼ 137%€15k€37k▲ 152%€18k▼ 52.1%
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 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€17k ▲ 1,065%
Current assets
€41k ▼ 7.1%
Equity and liabilities €58k
Equity
€23k ▲ 363%
Debt
€35k ▼ 12.9%
Debt's share of the balance-sheet total falls from 89.2% to 60.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €39k
Cash flow
€24k▼
2024 · €39k
Current ratio
1.60▲
2024 · 1.08
Debt to equity
1.55▼
2024 · 8.24
ROE
78.4%▼
2024 · 757.3%
ROA
30.7%▼
2024 · 82.0%
Interest coverage
21.98▼
2024 · 220.31
Debt ≤ 1 year
€25k▼
2024 · €40k
Debt > 1 year
€10k
Income taxes
€993
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€45k€58k▲
Fixed assets21/28€1k€17k▲
Tangible fixed assets22/27€1k€17k▲
Plant, machinery and equipment23€536€0▼
Furniture and vehicles24€933€17k▲
Current assets29/58€44k€41k▼
Amounts receivable within one year40/41€42k€40k▼
Trade receivables40€42k€40k▼
Other amounts receivable41€319€43▼
Cash at bank and in hand54/58€2k€242▼
Equity and liabilities
Total equity and liabilities10/49€45k€58k▲
Equity10/15€5k€23k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-15k€3k▲
Amounts payable17/49€40k€35k▼
Amounts payable after more than one year17-€10k
Financial debts170/4-€10k
Amounts payable within one year42/48€40k€25k▼
Current portion of amounts payable after more than one year42-€9k
Trade debts44€2k€961▼
Suppliers440/4€2k€961▼
Taxes, remuneration and social security45€630€2k▲
Taxes450/3€630€2k▲
Other amounts payable47/48€38k€14k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€7k▲
Other operating charges640/8-€2k
Gross operating margin9900€39k€28k▼
Operating profit (loss)9901€37k€20k▼
Financial income75/76B€8-
Recurring financial income75€8-
Financial charges65/66B€176€1k▲
Recurring financial charges65€176€1k▲
Profit (loss) for the period before taxes9903€37k€19k▼
Income taxes67/77-€993
Profit (loss) for the period9904€37k€18k▼
Profit (loss) for the period to be appropriated9905€37k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€3k▲
Profit (loss) brought forward from the previous period14P€-52k€-15k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
Financial
Highest result since 2019net €37k ▲152%
Operating result €37k, net result €37k, both a record.
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-01
Financial
Back to profitnet €15k
Net result €15k after 4 loss-making years.
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-01
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 250 days late
08-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 615 days late
2017
19-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 141 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Grez-Doiceau · 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.
Chaussée de Wavre 1321390 Grez-DoiceauGround area
9,546 m²
Building footprint
1,615 m²
Volume, LiDAR
1,381 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Wine and Joy
since 20152.242.233.885
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25001B0048/00F002 | Wallonia | 8,061 m² | 1 · 1,445 m² | - |
| 25043B0402/00S000 | Wallonia | 1,485 m² | 1 · 170 m² | 10.1 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.
Similar companies · same sector, comparable size
GAMAY CONSULTING
BE 0754.384.638
Soignies · Eq €23,744
Wij-n-bouw
BE 0758.712.917
Gent · Eq €21,488
ALTA-VINA
BE 0733.735.714
Grimbergen · Eq €23,924
LEANDRO
BE 0765.499.056
Zonhoven · Eq €21,175
CEDALEX
BE 0846.755.857
Sint-Laureins · Eq €24,173
Of 1,050 companies in sector 46341 we hold annual accounts for 534. 322 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 (pre-2019)
Founded01-04-2015
Fiscal year end31-01
Activities, NACEBEL 2025
46341Wholesale of wines and spirits
47251Retail sale of wines and spirits
47279Other retail sale of food
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.