Central Wine
ActiveThe computed 12-month bankruptcy probability of Central Wine is 2.6% (moderate). The 2025 annual accounts show equity of €2k and a net result of €-2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 3668 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
39
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+28
Solvency31▼-2
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.25 against 0.52 in 2024; short-term debt: 78.4% of total assets), and 94% 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.
+raises risk○neutral
raises risk · 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
6%
Return on assets
-5.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-2k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
39 d late
2023
30 d late
2022
21 d late
2021
33 d late
2020
30 d late
2019
89 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, abbreviated schema
Turnover
€78k▼ 24.6%
2024 · €103k
2018: €68k
2019: €131k
2020: €49k
2021: €55k
2022: €93k
2024: €103k
2018 → 2025
EBIT margin
1.9%▲ 5.1pp
2024 · -3.1%
2018: -12.5%
2019: 5.3%
2020: -4.4%
2021: 19.1%
2022: 2.7%
2024: -3.1%
2018 → 2025
Net result
€-2k▲ 77.1%
2024 · €-7k
2018: €-13k
2019: €2k
2020: €-5k
2021: €8k
2022: €-261
2023: €-202
2024: €-7k
2018 → 2025
Working capital
€-16k▼ 90.6%
2024 · €-8k
2018: €-24k
2019: €-21k
2020: €-18k
2021: €-9k
2022: €-7k
2023: €-7k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€55k-€93k▲ 69.7%€103k€78k▼ 24.6%
Equity€10k-€10k▼ 2.6%€10k▼ 2.0%€3k▼ 67.7%€2k▼ 47.8%
Operating result€10k-€3k▼ 75.8%€2k▼ 2.6%€-3k€2k
Net result€8k-€-261€-202▲ 22.9%€-7k▼ 3,183%€-2k▲ 77.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27k
Fixed assets
€22k▼ 27.7%
Current assets
€5k▼ 40.4%
Equity and liabilities €27k
Equity
€2k▼ 47.8%
Debt
€26k▼ 29.2%
The debt ratio rises from 92.0% to 94.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▲
2024 · €5k
Cash flow
€7k▲
2024 · €2k
Solvency
6.0%▼
2024 · 8.0%
Current ratio
0.25▼
2024 · 0.52
Quick ratio
0.05▼
2024 · 0.21
Debt / equity
15.63▲
2024 · 11.52
ROE
-91.7%▲
2024 · -209.2%
ROA
-5.5%▲
2024 · -16.7%
Interest coverage
3.28▲
2024 · 1.53
Debt
€26k▼
2024 · €36k
Debt ≤ 1 year
€22k▲
2024 · €18k
Debt > 1 year
€4k▼
2024 · €19k
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€40k€27k▼
Fixed assets21/28€30k€22k▼
Tangible fixed assets22/27€29k€21k▼
Plant, machinery and equipment23€5k€5k▼
Furniture and vehicles24€6k€4k▼
Other tangible fixed assets26€18k€12k▼
Financial fixed assets28€1k€1k=
Current assets29/58€9k€5k▼
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€1k€1k▼
Trade receivables40€130€174▲
Other amounts receivable41€1k€850▼
Cash at bank and in hand54/58€3k-
Equity and liabilities
Total equity and liabilities10/49€40k€27k▼
Equity10/15€3k€2k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Profit (loss) carried forward14€-15k€-17k▼
Amounts payable17/49€36k€26k▼
Amounts payable after more than one year17€19k€4k▼
Financial debts170/4€19k€4k▼
Amounts payable within one year42/48€18k€22k▲
Current portion of amounts payable after more than one year42-€7k
Financial debts43€3k€2k▼
Credit institutions430/8€3k€2k▼
Trade debts44€3k€936▼
Suppliers440/4€3k€936▼
Taxes, remuneration and social security45€1k€1k▼
Taxes450/3€869€1k▲
Remuneration and social security454/9€299-
Other amounts payable47/48€10k€11k▲
Income statement
Code20242025
Turnover70€103k€78k▼
Goods, raw materials, services and sundry goods60/61€90k€65k▼
Remuneration, social security and pensions62€11k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8€1k€2k▲
Gross operating margin9900€17k€12k▼
Operating profit (loss)9901€-3k€2k▲
Financial income75/76B€2€3▲
Recurring financial income75€2€3▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-7k€-2k▲
Profit (loss) for the period9904€-7k€-2k▲
Profit (loss) for the period to be appropriated9905€-7k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-17k▼
Profit (loss) brought forward from the previous period14P€-9k€-15k▼
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 39 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 2017
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 Marcinelle 66000 CharleroiGround area
149 m²
Building footprint
57 m²
Volume, LiDAR
713 m³
Parcel 52011D0026/00B000, Wallonia · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CENTRAL WINE
since 20172.272.999.218
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011D0026/00B000 | Wallonia | 149 m² | 1 · 57 m² | 17.4 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.272.999.218
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 2,594 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-11-2017
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
47251Retail sale of wines and spirits
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.