Equity
€378,591 ▲ 6.5%
CWIN has made a profit in every financial year since 2013.
CWIN
Lifetime
14 annual accounts with figures on one time axispeak €205,845 (2021)
€70,928▼ 24.7%
peak €98,275 (2021)
€23,259▼ 40.5%
peak €402,596 (2023)
€378,591▲ 6.5%
€358,263▼ 25.2%
Board1 name since 2020
1 directorWINTERS Bregt
Documentsfilings and deeds
06-07-2026117 days before the deadline
2026micro format
Gross margin from €94,163 to €70,928Result from €39,090 to €23,259Debts from €479,053 to €358,263Cash from €67,673 to €19,404
Key points
from the 2026 annual accountsChecked score
93
Excellent
Financially stronger than 45% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: < 0.1%▼ -0.1 percentage points vs 06-2025lowest value
08-2025: < 0.1%● unchanged vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025lowest value
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.1%● unchanged vs 08-2026highest value
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 1.62, cash €19,404, halved
lowers risk
Size: total assets €736,855
Sector: Activities of head offices; management consultancy activities (NACE 70)
Figures for financial year 2026 (filed on 06-07-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 47% of them on solvency, 42% on liquidity, 37% on profitability and 53% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,049 companies had the same profile as CWIN has now. Each dot stands for 16 companies, two years later.
95.9%
were still trading
3.6%
stopped another way
0.4%
went bankrupt
That fits the bankruptcy probability of CWIN itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,049 companies, not a prediction for CWIN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.62 (1.33 in 2025), above the usual 1.5. Short-term debt is 9.6% and cash 2.6% of total assets. 48.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 06-07-2026, 117 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
117 days early
2025
123 days early
2024
106 days early
2023
98 days early
2022
3 days early
2021
5 days early
2020
113 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 81 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 17 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-03-2027 year end31-10-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0840207169
New establishment in Hasselt
Monerikstraat 34
Change of role: WINTERS Bregt, from statutory manager to statutory director
Reappointment: WINTERS Bregt (statutory director) · “I. VOOR EIGEN REKENING,VOOR REKENING VAN DERDEN OF IN DEELNEMING MET DERDEN:; II. VOOR EIGEN REKENING:” (deed in Dutch) · Director discharge: WINTERS Bregt · General meeting of 13-03-2020 · Gazette deed
First establishment
Kriekelsheuvelstraat 30, Maaseik
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CWIN Maaseik | €736,855 | €70,928 | 51.4% | - |
| HUYSMANS GLAS DESIGN Beringen | €658,666 | €67,414 | 96.2% | - |
| UMC Hasselt | €763,940 | €64,703 | 36.4% | - |
| OBCO Bilzen-Hoeselt | €701,738 | €84,358 | 74.9% | - |
| BMV CONSULTING Hasselt | €658,051 | €61,031 | 16.5% | 0.1 |
| DESMET FINANCIAL CONSULTING Sint-Truiden | €593,951 | €69,001 | 72.9% | - |
| JANEDA Dilsen-Stokkem | €668,827 | €58,557 | 52.9% | - |
These companies have the same main activity as CWIN: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €594,000 and €764,000, founded between 2010 and 2013.
Official details
Source: KBO- Status
- Active since 06-10-2011Normal situation
- Activity
- Business and other management consultancyNACE 70200and 2 others
- Establishment units
- 2.204.007.3733680 Maaseik, since 12-10-2011
- 2.322.046.0793511 Hasselt, since 01-04-2020
- Financial year end
- 31 March
- Peppol
- Reachable since 26-07-2024
Annual accounts to 31-03-2026
- €736,855▼ 11.7%
- Filing
- Filed on 06-07-2026, 117 days before the end of the filing period
Insights on CWIN
CWIN files the micro format. That format states no turnover. The gross margin fell from €152,926 in 2013 to €70,928 in 2026.
The balance sheet grew most in 2021 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CWIN
- What is the company number of CWIN?
- The company number of CWIN is 0840.207.169. The VAT number is the same number with BE in front: BE 0840.207.169.
- Where is CWIN based?
- The registered office is at Kriekelsheuvelstraat 30, 3680 Maaseik.Company details
- What does CWIN do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of CWIN?
- CWIN is a private limited company (BV).
- When was CWIN founded?
- CWIN was founded on 06-10-2011.
- Is CWIN still active?
- Yes, CWIN is an active enterprise in the KBO register.
- What is the turnover of CWIN?
- The turnover in financial year 2026 is ≈ €150,000. This figure is estimated from the gross margin of €70,928 and 120 comparable companies (NACE 70200). It probably lies between €110,000 and €180,000.Financials
- Is CWIN profitable?
- In financial year 2026, CWIN made a profit of €23,259.
- Where can I find the annual accounts of CWIN?
- CWIN filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of CWIN due?
- CWIN must file the annual accounts for financial year 2027 by 31-10-2027.Timeline
Next steps
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