4 WINS
Active4 WINS has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €4k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 24% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-21
Solvency46▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.82 in 2024; short-term debt: 34.9% and cash: 0.8% of total assets), but 79% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
21%
Return on assets
1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 24%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
8 d early
2024
2 d early
2023
19 d late
2022
28 d late
2021
24 d late
2020
17 d late
2019
70 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€82k▲ 5.2%
2024 · €78k
2019: €38k
2020: €34k
2021: €50k
2022: €59k
2023: €55k
2024: €78k
2019 → 2025
Total assets
€391k▼ 3.4%
2024 · €405k
2019: €91k
2020: €76k
2021: €87k
2022: €103k
2023: €349k
2024: €405k
2019 → 2025
Net result
€4k▼ 82.4%
2024 · €23k
2019: €32k
2020: €-4k
2021: €4k
2022: €9k
2023: €36k
2024: €23k
2019 → 2025
Working capital
€90k▼ 7.4%
2024 · €98k
2019: €29k
2020: €24k
2021: €39k
2022: €47k
2023: €-2k
2024: €98k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€59k▲ 17.7%€55k▼ 6.1%€78k▲ 41.7%€82k▲ 5.2%
Operating result€6k-€16k▲ 185%€52k▲ 230%€38k▼ 27.5%€18k▼ 51.8%
Net result€4k-€9k▲ 148%€36k▲ 314%€23k▼ 37.1%€4k▼ 82.4%
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 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €391k
Fixed assets
€164k▼ 12.5%
Current assets
€227k▲ 4.4%
Equity and liabilities €391k
Equity
€82k▲ 5.2%
Debt
€309k▼ 5.5%
The debt ratio falls from 80.7% to 79.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▼
2024 · €62k
Cash flow
€28k▼
2024 · €47k
Solvency
21.0%▲
2024 · 19.3%
Current ratio
1.66▼
2024 · 1.82
Quick ratio
1.66▼
2024 · 1.82
Debt / equity
3.76▼
2024 · 4.19
ROE
4.9%▼
2024 · 29.4%
ROA
1.0%▼
2024 · 5.7%
Interest coverage
4.17▼
2024 · 6.12
Debt
€309k▼
2024 · €327k
Debt ≤ 1 year
€136k▲
2024 · €120k
Debt > 1 year
€169k▼
2024 · €205k
Income taxes
€13k▼
2024 · €18k
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€405k€391k▼
Fixed assets21/28€187k€164k▼
Tangible fixed assets22/27€187k€164k▼
Furniture and vehicles24€3k€463▼
Other tangible fixed assets26€185k€163k▼
Current assets29/58€217k€227k▲
Amounts receivable after more than one year29€162k€153k▼
Other amounts receivable291€162k€153k▼
Amounts receivable within one year40/41€35k€42k▲
Trade receivables40€29k€28k▼
Other amounts receivable41€6k€14k▲
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€19k€29k▲
Equity and liabilities
Total equity and liabilities10/49€405k€391k▼
Equity10/15€78k€82k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€59k€63k▲
Amounts payable17/49€327k€309k▼
Amounts payable after more than one year17€205k€169k▼
Financial debts170/4€205k€169k▼
Amounts payable within one year42/48€120k€136k▲
Current portion of amounts payable after more than one year42€19k€20k▲
Financial debts43€846-
Credit institutions430/8€846-
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€31k€18k▼
Taxes450/3€31k€14k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€67k€95k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▼
Other operating charges640/8€1k€400▼
Gross operating margin9900€63k€42k▼
Operating profit (loss)9901€38k€18k▼
Financial income75/76B€14k€9k▼
Recurring financial income75€14k€9k▼
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€41k€17k▼
Income taxes67/77€18k€13k▼
Profit (loss) for the period9904€23k€4k▼
Profit (loss) for the period to be appropriated9905€23k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€63k▲
Profit (loss) brought forward from the previous period14P€36k€59k▲
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
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Highest result since 2019net €36k ▲314%
Operating result €52k, net result €36k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Weakest financial yearnet €-4k ▼113%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Pieters-Woluwe · 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.
Tervurenlaan 3021150 Sint-Pieters-WoluweGround area
1,494 m²
Building footprint
737 m²
Volume, LiDAR
17,113 m³
Parcel 21684B0002/00S011, Brussels · tallest building 28.8 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
4 WINS
since 20192.286.005.334
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0002/00S011 | Brussels | 1,494 m² | 1 · 737 m² | 28.8 m · 8 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.
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4-ABACUS
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.