CAVES DES OBLATS
ActiveCAVES DES OBLATS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €201k and a net result of €47k. Equity is shrinking by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 33% of 7931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
63
/ 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
Profitability77▼-5
Solvency53▼-2
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 1.78 against 1.83 in 2024; short-term debt: 54.6% and cash: 13.2% of total assets), but 72.4% 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 · 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
27.6%
Return on assets
6.5%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
16 d early
2023
50 d early
2022
32 d early
2021
31 d early
2020
40 d early
2019
94 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€47k▼ 44.2%
2024 · €85k
2018: €70k
2019: €39k
2020: €116k
2021: €187k
2022: €130k
2023: €150k
2024: €85k
2018 → 2025
Working capital
€308k▼ 9.3%
2024 · €340k
2018: €413k
2019: €311k
2020: €335k
2021: €205k
2022: €287k
2023: €353k
2024: €340k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€233k-€238k▲ 2.1%€238k=€238k=€201k▼ 15.8%
Operating result€251k-€178k▼ 29.0%€208k▲ 16.4%€122k▼ 41.5%€72k▼ 40.8%
Net result€187k-€130k▼ 30.3%€150k▲ 15.3%€85k▼ 43.6%€47k▼ 44.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 41% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €726k
Fixed assets
€21k▼ 41.6%
Current assets
€705k▼ 6.1%
Equity and liabilities €726k
Equity
€201k▼ 15.8%
Debt
€526k▼ 4.3%
The debt ratio rises from 69.7% to 72.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€87k▼
2024 · €143k
Cash flow
€63k▼
2024 · €106k
Solvency
27.6%▼
2024 · 30.3%
Current ratio
1.78▼
2024 · 1.83
Quick ratio
0.72▼
2024 · 0.76
Debt / equity
2.62▲
2024 · 2.30
ROE
23.6%▼
2024 · 35.5%
ROA
6.5%▼
2024 · 10.8%
Interest coverage
25.34▼
2024 · 37.24
Debt
€526k▼
2024 · €549k
Debt ≤ 1 year
€396k▼
2024 · €411k
Debt > 1 year
€129k▼
2024 · €138k
Income taxes
€21k▼
2024 · €34k
Staff costs
€193k▲
2024 · €192k
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€788k€726k▼
Fixed assets21/28€37k€21k▼
Intangible fixed assets21€6k€4k▼
Tangible fixed assets22/27€28k€15k▼
Plant, machinery and equipment23€343€273▼
Furniture and vehicles24€93-
Leasing and similar rights25€28k€15k▼
Financial fixed assets28€3k€3k=
Current assets29/58€751k€705k▼
Stocks and contracts in progress3€440k€421k▼
Stocks30/36€440k€421k▼
Amounts receivable within one year40/41€231k€188k▼
Trade receivables40€220k€169k▼
Other amounts receivable41€12k€19k▲
Cash at bank and in hand54/58€74k€96k▲
Deferred charges and accrued income490/1€6k€448▼
Equity and liabilities
Total equity and liabilities10/49€788k€726k▼
Equity10/15€238k€201k▼
Contributions10/11€19k€19k=
Reserves13€220k€182k▼
Distributable reserves133€220k€182k▼
Amounts payable17/49€549k€526k▼
Amounts payable after more than one year17€138k€129k▼
Financial debts170/4€10k€770▼
Other amounts payable178/9€128k€128k=
Amounts payable within one year42/48€411k€396k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43€15k€8k▼
Other loans439€15k€8k▼
Trade debts44€127k€154k▲
Suppliers440/4€127k€154k▲
Taxes, remuneration and social security45€71k€44k▼
Taxes450/3€52k€34k▼
Remuneration and social security454/9€19k€10k▼
Other amounts payable47/48€189k€182k▼
Income statement
Code20242025
Remuneration, social security and pensions62€192k€193k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€15k▼
Other operating charges640/8€3k€19k▲
Gross operating margin9900€338k€299k▼
Operating profit (loss)9901€122k€72k▼
Financial income75/76B€744€3▼
Recurring financial income75€738€3▼
Non-recurring financial income76B€6-
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€118k€69k▼
Income taxes67/77€34k€21k▼
Profit (loss) for the period9904€85k€47k▼
Profit (loss) for the period to be appropriated9905€85k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€85k€47k▼
Transfer from equity791/2-€38k
Profit to be distributed694/7€85k€85k▲
Return on contributions (dividend)694€85k€85k▲
Social balance
Average headcount (FTE)9087-3.0
The notes to these accounts (11 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €187k ▲62%
Operating result €251k, net result €187k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €39k ▼43.3%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Liège · 2 establishment units since 1988
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 Mons 734000 LiègeGround area
3,716 m²
Building footprint
1,670 m²
Volume, LiDAR
13,209 m³
3 parcels, Wallonia · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Rue Eugène-Vandenhoff 66, 4030 Liège
since 19882.036.618.829
Rue Basse-Wez 339, 4020 Liège
since 19942.036.618.928
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62815C0701/00B002 | Wallonia | 2,181 m² | 1 · 1,089 m² | 10.9 m · 3 fl. |
| 62817B0191/00P003 | Wallonia | 1,175 m² | 1 · 528 m² | 12.1 m · 2 fl. |
| 62302C1404/00T016 | Wallonia | 360 m² | 1 · 53 m² | 10.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLiège2.036.618.928
Similar companies · same sector, comparable size
Fine Wine Buyers
BE 0897.127.660
Lummen · Eq €201k
INNESTO IMPORT EXPORT
BE 0641.672.618
Zaventem · Eq €202k
ITOP
BE 0415.030.138
Zandhoven · Eq €202k
Wine-not
BE 0463.807.973
Elsene · Eq €204k
MERIDIANIS CONSULTANTS
BE 0816.794.240
Tournai · Eq €205k
Of 1,051 companies in sector 46341 we hold annual accounts for 535. 373 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-1988
Fiscal year end31-12
Activities, NACEBEL
46341Wholesale of wines and spirits
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.