Café Winok

Active

Private limited companyfounded 20215 yrs activede Lochtstraat 40, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0763.361.690

The computed 12-month bankruptcy probability of Café Winok is 8.8% (elevated). The 2025 annual accounts show equity of €994k and a net result of €87k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 67% of 13204 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

52 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability74▲+1

Solvency75▲+1

Growth78=

Track record94

Bankruptcy probability, 12 months

8.8% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €50k at 30 days only on tighter terms

Liquidity short (current ratio 0.6 against 0.66 in 2024; short-term debt: 20.4% and cash: 7.1% of total assets), and 49.5% of the assets are financed with debt.

How do we compute the score and the probability?

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

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

50.5%

Return on assets

4.4%

Age of the figures

15 mo

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 4 filings

Deviation from the deadline

2025

2 d late

2024

3 d late

2023

2 d early

2022

22 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close19-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€994k▲ 8.5%

2024 · €916k

2022: €823k 2023: €840k 2024: €916k

2022 → 2025

Total assets

€1.97M▲ 5.0%

2024 · €1.88M

2022: €1.95M 2023: €1.84M 2024: €1.88M

2022 → 2025

Net result

€87k▲ 21.6%

2024 · €71k

2022: €-124k 2023: €14k 2024: €71k

2022 → 2025

Working capital

€-159k▼ 40.4%

2024 · €-113k

2022: €-152k 2023: €-163k 2024: €-113k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€823k-€840k▲ 2.1%€916k▲ 9.0%€994k▲ 8.5%

Operating result€-123k-€-3k▲ 97.7%€92k€117k▲ 28.2%

Net result€-124k-€14k€71k▲ 404%€87k▲ 21.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has risen three years in a row; 2025 is 28% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €1.97M

87.7%

12.3%

Fixed assets €1.73M▲ 4.6%

Current assets €242k▲ 8.1%

Equity and liabilities €1.97M

50.5%

47.6%

Equity €994k▲ 8.5%

Provisions €39k▼ 5.3%

Debt €937k▲ 1.9%

The debt ratio falls from 49.0% to 47.6%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€226k▲

2024 · €161k

Cash flow

€196k▲

2024 · €141k

Solvency

50.5%▲

2024 · 48.8%

Current ratio

0.60▼

2024 · 0.66

Quick ratio

0.41▼

2024 · 0.55

Debt / equity

0.94▼

2024 · 1.00

ROE

8.7%▲

2024 · 7.8%

ROA

4.4%▲

2024 · 3.8%

Interest coverage

8.21▲

2024 · 7.06

Debt

€937k▲

2024 · €919k

Debt ≤ 1 year

€401k▲

2024 · €337k

Debt > 1 year

€532k▼

2024 · €582k

Income taxes

€13k▲

2024 · €7k

Staff costs

€485k▲

2024 · €392k

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€1.88M€1.97M▲

Fixed assets21/28€1.65M€1.73M▲

Intangible fixed assets21€21k€12k▼

Tangible fixed assets22/27€1.63M€1.71M▲

Land and buildings22€1.51M€1.61M▲

Plant, machinery and equipment23€102k€93k▼

Furniture and vehicles24€18k€15k▼

Financial fixed assets28€450€450=

Current assets29/58€224k€242k▲

Stocks and contracts in progress3€38k€79k▲

Stocks30/36€38k€79k▲

Amounts receivable within one year40/41€15k€19k▲

Trade receivables40€9k€12k▲

Other amounts receivable41€6k€8k▲

Cash at bank and in hand54/58€169k€140k▼

Deferred charges and accrued income490/1€2k€4k▲

Equity and liabilities

Total equity and liabilities10/49€1.88M€1.97M▲

Equity10/15€916k€994k▲

Contributions10/11€578k€578k=

Reserves13€212k€297k▲

Tax-exempt reserves132€34k€32k▼

Distributable reserves133€178k€265k▲

Investment grants15€126k€118k▼

Provisions and deferred taxes16€41k€39k▼

Deferred taxes168€41k€39k▼

Amounts payable17/49€919k€937k▲

Amounts payable after more than one year17€582k€532k▼

Financial debts170/4€582k€532k▼

Amounts payable within one year42/48€337k€401k▲

Current portion of amounts payable after more than one year42€49k€50k▲

Trade debts44€14k€18k▲

Suppliers440/4€14k€18k▲

Advances received on contracts in progress46€63€542▲

Taxes, remuneration and social security45€93k€105k▲

Taxes450/3€45k€48k▲

Remuneration and social security454/9€49k€58k▲

Other amounts payable47/48€180k€227k▲

Accrued charges and deferred income492/3-€3k

Income statement Code20242025

Remuneration, social security and pensions62€392k€485k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€109k▲

Other operating charges640/8€4k€5k▲

Gross operating margin9900€558k€716k▲

Operating profit (loss)9901€92k€117k▲

Financial income75/76B€8k€8k▲

Recurring financial income75€8k€8k▲

Financial charges65/66B€23k€28k▲

Recurring financial charges65€23k€28k▲

Profit (loss) for the period before taxes9903€76k€98k▲

Transfer from deferred taxes780€2k€2k=

Income taxes67/77€7k€13k▲

Profit (loss) for the period9904€71k€87k▲

Transfer from tax-exempt reserves789€2k€2k=

Profit (loss) for the period to be appropriated9905€73k€88k▲

Appropriation of the result

Profit (loss) to be appropriated9906€73k€88k▲

Transfer from equity791/2€859€833▼

Transfer to equity691/2€73k€88k▲

To other reserves6921€73k€88k▲

Profit to be distributed694/7€859€833▼

Return on contributions (dividend)694€859€833▼

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-01-2027

2026

02-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 2 days late

2025

30-06

Financial Highest result since 2022net €87k ▲21.6%

Operating result €117k, net result €87k, both a record.

03-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 3 days late

2024

29-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-06

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

22-02

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 22 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, Schaarbeek · 3 establishment units since 2021

establishment All 3 establishment units on the map

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.

de Lochtstraat 401030 Schaarbeek

Ground area

1,178 m²

Building footprint

1,085 m²

Volume, LiDAR

12,229 m³

3 parcels, Brussels · tallest building 23.4 m, ±7 floors. Linked by address, not a title deed.

3 establishment units

Café Winok

Louis Bertrandlaan 48, 1030 SchaarbeekManufacture of food products

since 20212.313.021.418

Koninginnelaan 203-205, 1000 Brussel

Manufacture of food products

since 20212.321.835.154

Café Winok the shop

Louis Bertrandlaan 46, 1030 SchaarbeekRetail sale of electrical household appliances

since 20252.375.994.709

3 parcels

Brussels 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21813D0526/00V012	Brussels	723 m²	1 · 719 m²	23.4 m · 2 fl.
21906D0284/00H000 ProtectedSite or landscapeLouis Bertrandlaan	Brussels	285 m²	1 · 277 m²	22.4 m · 7 fl.
21910E0183/00L006	Brussels	170 m²	1 · 89 m²	20.2 m · 4 fl.