BENJAMIN OLYFF WINE MANAGEMENT
ActiveBENJAMIN OLYFF WINE MANAGEMENT has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €10k. Equity is growing by ~70.6% per year across the filed fiscal years. Its solvency ranks better than 57% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+1
Solvency76▲+12
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 1.63 in 2024; short-term debt: 48.6% and cash: 14.1% of total assets), and 48.6% 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
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
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
51.4%
Return on assets
18.6%
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
31 d early
2023
30 d early
2022
31 d early
2021
29 d late
2020
61 d late
2019
59 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 56.7%
2024 · €17k
2018: €-37k
2019: €-41k
2020: €-9k
2021: €7k
2022: €-1k
2023: €8k
2024: €17k
2018 → 2025
Total assets
€53k▲ 18.1%
2024 · €45k
2018: €94k
2019: €116k
2020: €81k
2021: €58k
2022: €25k
2023: €30k
2024: €45k
2018 → 2025
Net result
€10k▲ 8.8%
2024 · €9k
2018: €11k
2019: €-5k
2020: €40k
2021: €16k
2022: €-9k
2023: €10k
2024: €9k
2018 → 2025
Working capital
€27k▲ 56.7%
2024 · €17k
2018: €-23k
2019: €-43k
2020: €-16k
2021: €326
2022: €-2k
2023: €8k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€-1k€8k€17k▲ 109%€27k▲ 56.7%
Operating result€23k-€-8k€15k€15k▲ 1.0%€15k▼ 0.9%
Net result€16k-€-9k€10k€9k▼ 6.7%€10k▲ 8.8%
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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €53k
Equity
€27k▲ 56.7%
Debt
€26k▼ 6.4%
The debt ratio falls from 61.3% to 48.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
51.4%▲
2024 · 38.7%
Current ratio
2.06▲
2024 · 1.63
Quick ratio
2.06▲
2024 · 1.63
Debt / equity
0.94▼
2024 · 1.58
ROE
36.2%▼
2024 · 52.2%
ROA
18.6%▼
2024 · 20.2%
Debt
€26k▼
2024 · €27k
Debt ≤ 1 year
€26k▼
2024 · €27k
Income taxes
€4k▲
2024 · €3k
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€45k€53k▲
Current assets29/58€45k€53k▲
Amounts receivable within one year40/41€38k€45k▲
Other amounts receivable41€38k€45k▲
Cash at bank and in hand54/58€3k€7k▲
Deferred charges and accrued income490/1€3k€400▼
Equity and liabilities
Total equity and liabilities10/49€45k€53k▲
Equity10/15€17k€27k▲
Contributions10/11€19k€19k=
Reserves13-€8k
Distributable reserves133-€8k
Profit (loss) carried forward14€-1k-
Amounts payable17/49€27k€26k▼
Amounts payable within one year42/48€27k€26k▼
Financial debts43€3k€3k=
Credit institutions430/8€3k€3k=
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Advances received on contracts in progress46€1k-
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Other amounts payable47/48€19k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€146-
Other operating charges640/8€403€112▼
Gross operating margin9900€16k€15k▼
Operating profit (loss)9901€15k€15k▼
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€12k€14k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€9k€10k▲
Profit (loss) for the period to be appropriated9905€9k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€8k▲
Profit (loss) brought forward from the previous period14P€-10k€-1k▲
Transfer to equity691/2-€8k
To other reserves6921-€8k
The notes to these accounts (3 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-9k ▼154%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Chaumont-Gistoux · 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.
Rue de Chaumont, Longueville 321325 Chaumont-GistouxGround area
390 m²
Building footprint
91 m²
Volume, LiDAR
644 m³
Parcel 25058C0118/00S000, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Benja-Vins - Afkorting: BWM
since 20042.142.346.849
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25058C0118/00S000 | Wallonia | 390 m² | 1 · 91 m² | 9.3 m · 2 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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Of 1,582 companies in sector 46349 we hold annual accounts for 987. 507 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-10-2004
Fiscal year end31-12
Abbreviation FR
BWM
Activities, NACEBEL
46349Wholesale of beverages, general range
51340
47252Retail sale of beverages, general range
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.