Age2 yrs
Real estate2 parcels · 1,872 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of WINE SD is 2.1% (moderate). The 2024 annual accounts show equity of €9k and a net result of €7k. Its solvency ranks better than 51% of 3378 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-07-2025, 13 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 18-07-2025 | 13 d early | 2025-00286303 |
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 signalsYoung company
Founded in 2023, 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 everyone2.1%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker 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€7k
Working capital€9k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 18-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 25.8% | 25.2% | |
| Net result | €7k | €4k | |
| Equity | €9k | €23k | |
| Gross operating margin | €10k | €19k | |
| Total assets | €35k | €105k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €10k |
| Net profit | €7k |
| Cash flow | €8k |
| Staff costs | - |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €35k |
| Equity | €9k |
| Debt | €26k |
| of which ≤ 1y | €26k |
| of which > 1y | - |
| Working capital | €9k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.34 |
| Quick ratio | 0.43 |
| Working capital ratio | 25.2% |
| Solvency | 25.8% |
| Debt / equity | 2.87 |
| Long-term debt ratio | - |
| Interest coverage | 246.02 |
| Gross margin | - |
| Net margin | - |
| ROA | 18.7% |
| ROE | 72.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €35k |
| Fixed assets | 21/28 | €237 |
| Tangible fixed assets | 22/27 | €237 |
| Current assets | 29/58 | €35k |
| Stocks & contracts in progress | 3 | €24k |
| Amounts receivable within one year | 40/41 | €11k |
| Cash & bank | 54/58 | €286 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €35k |
| Equity | 10/15 | €9k |
| Contributions / capital | 10/11 | €3k |
| Accumulated profits (losses) | 14 | €7k |
| Amounts payable | 17/49 | €26k |
| Amounts payable within one year | 42/48 | €26k |
| Trade debts payable within one year | 44 | €22k |
| Income statement | ||
| Gross operating margin | 9900 | €10k |
| Operating result | 9901 | €9k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €41 |
| Result before taxes | 9903 | €9k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed68
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
1 directorFormer directors (1)
-
Former- → 26-05-2026
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Groothandel in wijnen en geestrijke dranken(46341) |
| Legal form | Private limited company(610) |
| Incorporation | 21-09-2023 |
| Status | Active |
| Postal code | 5100 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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 Dave(JB) 6865100 NamurEstablishment units
1 locationWINE SD
since 20232.350.530.823
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1,872 m²
Buildings2
Building footprint217 m²
Volume (LiDAR)1,814 m³
Tallest building25.8 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322E0394/00A000 | Wallonia | 1,156 m² | 1 · 116 m² | 9.7 m · 3 fl. |
| 92052C0085/00D002 | Wallonia | 716 m² | 1 · 101 m² | 25.8 m · 3 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
1 verified actWhat every Belgian State Gazette publication actually says, each act broken down into appointments, capital movements, seat moves and statute amendments.
2026
07-08-2026
General meeting · Director resignation · Registered-office move
- General meeting , 26/05/2026
- Director resignation, Alan Roosens (administrateur)
- Registered-office move , Rue de Dave, 686 à 5100 Jambes
Analysis
Snowflake analysis
financial profile on 5 axes70
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
68
Profitability
100
Solvency
47
Growth
-
Stability
67
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 109 of the 1,047 companies in this sector. 76 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Groothandel in wijnen en geestrijke dranken46341Groothandel in wijnen en geestrijke dranken46341Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Catering56210Catering van evenementen56210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Organisatie van congressen en beurzen82300Organisatie van congressen en beurzen82300Overige vormen van onderwijs85599Overige vormen van onderwijs85599
Primary activity highlighted.
Names & trade names
| Legal nameFR | WINE SD |
Registered office
Rue de Dave(JB) 686
5100 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.