CONCEPT VINS
ActiveCONCEPT VINS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €288. Equity is shrinking by ~14.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 33% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▲+49
Solvency45▲+4
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
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
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 · 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 · 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
19.9%
Return on assets
2.4%
Age of the figures
9 mo
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
28 d late
2022
22 d late
2021
25 d late
2020
19 d late
2019
35 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▲ 13.9%
2024 · €2k
2018: €12k
2019: €9k
2020: €13k
2021: €16k
2022: €13k
2023: €7k
2024: €2k
2018 → 2025
Total assets
€12k▼ 6.3%
2024 · €13k
2018: €26k
2019: €24k
2020: €19k
2021: €25k
2022: €20k
2023: €17k
2024: €13k
2018 → 2025
Net result
€288
2024 · €-5k
2018: €-4k
2019: €-3k
2020: €3k
2021: €3k
2022: €-3k
2023: €-6k
2024: €-5k
2018 → 2025
Working capital
€2k▲ 13.9%
2024 · €2k
2018: €2k
2019: €4k
2020: €12k
2021: €13k
2022: €12k
2023: €7k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€13k▼ 16.9%€7k▼ 43.5%€2k▼ 71.6%€2k▲ 13.9%
Operating result€3k-€-3k€-6k▼ 116%€-5k▲ 6.7%€417
Net result€3k-€-3k€-6k▼ 114%€-5k▲ 6.9%€288
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €417 after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €12k
Equity
€2k▲ 13.9%
Debt
€10k▼ 10.3%
The debt ratio falls from 83.6% to 80.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€417▲
2024 · €-5k
Cash flow
€288▲
2024 · €-5k
Solvency
19.9%▲
2024 · 16.4%
Current ratio
1.25▲
2024 · 1.20
Quick ratio
0.93▲
2024 · 0.83
Debt / equity
4.03▼
2024 · 5.11
ROE
12.2%▲
2024 · -252.7%
ROA
2.4%▲
2024 · -41.4%
Interest coverage
3.22▲
2024 · -63.87
Debt
€10k▼
2024 · €11k
Debt ≤ 1 year
€10k▼
2024 · €11k
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€13k€12k▼
Current assets29/58€13k€12k▼
Stocks and contracts in progress3€4k€3k▼
Stocks30/36€4k€3k▼
Amounts receivable within one year40/41€1k€2k▲
Trade receivables40€921€2k▲
Other amounts receivable41€319€0▼
Cash at bank and in hand54/58€7k€7k▼
Deferred charges and accrued income490/1€257€294▲
Equity and liabilities
Total equity and liabilities10/49€13k€12k▼
Equity10/15€2k€2k▲
Contributions10/11€50k€50k=
Capital10€50k-
Issued capital100€50k-
Profit (loss) carried forward14€-48k€-48k▲
Amounts payable17/49€11k€10k▼
Amounts payable within one year42/48€11k€10k▼
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Taxes, remuneration and social security45€383€453▲
Taxes450/3€383€453▲
Other amounts payable47/48€5k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€197€0▼
Other operating charges640/8€463€714▲
Gross operating margin9900€-5k€1k▲
Operating profit (loss)9901€-5k€417▲
Financial income75/76B€19€0▼
Recurring financial income75€19€0▼
Financial charges65/66B€78€130▲
Recurring financial charges65€78€130▲
Profit (loss) for the period before taxes9903€-5k€288▲
Profit (loss) for the period9904€-5k€288▲
Profit (loss) for the period to be appropriated9905€-5k€288▲
Appropriation of the result
Profit (loss) to be appropriated9906€-48k€-48k▲
Profit (loss) brought forward from the previous period14P€-43k€-48k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €288
Net result €288 after 3 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 2.75
Current ratio from 1.29 to 2.75; short-term debt falls from €14k to €7k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 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, Waterloo · 1 establishment unit since 2012
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.
Avenue Prince Albert 261410 WaterlooGround area
660 m²
Building footprint
102 m²
Parcel 25110A0657/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Concept Vins
since 20122.214.640.355
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110A0657/00A000 | Wallonia | 660 m² | 1 · 102 m² | - |
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.
Similar companies · same sector, comparable size
Gallico
BE 0666.524.315
Turnhout · Eq €2k
WINES WITH PASSION
BE 0567.983.104
Tremelo · Eq €2k
VIGNOBLE FAMILLE DEROOSE
BE 0639.748.256
Staden · Eq €2k
E-INVEST
BE 0880.605.392
Antwerpen · Eq €2k
SI MON VIN
BE 0835.355.684
Beauvechain · Eq €3k
Of 1,051 companies in sector 46341 we hold annual accounts for 535. 126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-11-2012
Fiscal year end31-12
Activities, NACEBEL
46341Wholesale of wines and spirits
47251Retail sale of wines and spirits
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.