DE WINNE
ActiveSummary
DE WINNE has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34,514 and a net result of €9,790. Equity is shrinking by ~14.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability84▼-5
Solvency69▼-14
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 1.61 against 2.71 in 2024; short-term debt: 49.6% and cash: 36% of total assets), but 55.8% of the assets are financed with debt.
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Signals
Four 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
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
44.2%
Return on assets
12.5%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
29 d early
2023
16 d early
2022
6 d early
2021
31 d early
2020
54 d early
2019
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 17 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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. Usually files around 16 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€34,514▼ 36.2%
2024 · €54,066
Total assets
€78,059▼ 16.9%
2024 · €93,983
Net result
€9,790▼ 37.1%
2024 · €15,553
Working capital
€23,696▼ 45.6%
2024 · €43,556
Trend over the years
In euros
In euros
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€11,508▼ 31.4%€40,575▲ 253%€9,358▼ 76.9%€17,671▲ 88.8%€18,047▲ 2.1%
Net result€1,758▼ 88.5%€27,584▲ 1,469%€4,715▼ 82.9%€15,553▲ 230%€9,790▼ 37.1%
Equity€21,767▼ 83.7%€49,351▲ 127%€54,066▲ 9.6%€54,066=€34,514▼ 36.2%
Total assets€24,253▼ 82.5%€101,478▲ 318%€89,942▼ 11.4%€93,983▲ 4.5%€78,059▼ 16.9%
Debt€2,486▼ 87.2%€52,128▲ 1,997%€35,876▼ 31.2%€39,917▲ 11.3%€43,545▲ 9.1%
Working capital€19,957▼ 83.4%€38,113▲ 91.0%€43,654▲ 14.5%€43,556▼ 0.2%€23,696▼ 45.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78,059
Fixed assets
€15,661 ▼ 37.1%
Current assets
€62,398 ▼ 9.7%
Equity and liabilities €78,059
Equity
€34,514 ▼ 36.2%
Debt
€43,545 ▲ 9.1%
Debt's share of the balance-sheet total rises from 42.5% to 55.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€27,267▲
2024 · €26,891
Cash flow
€19,010▼
2024 · €24,773
Current ratio
1.61▼
2024 · 2.71
Debt to equity
1.26▲
2024 · 0.74
ROE
28.4%▼
2024 · 28.8%
ROA
12.5%▼
2024 · 16.5%
Interest coverage
24.91▼
2024 · 29.50
Debt ≤ 1 year
€38,701▲
2024 · €25,546
Debt > 1 year
€4,844▼
2024 · €14,371
Income taxes
€7,584▲
2024 · €6,188
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,371 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,371 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,065 | €3,869 | €9,939 | €9,220 | €9,220 | = |
| Other operating charges640/8 | €950 | €1,282 | €1,519 | €1,088 | €1,076 | ▼ 1.1% |
| Gross operating margin9900 | €13,523 | €45,726 | €20,816 | €27,979 | €28,343 | ▲ 1.3% |
| Operating profit (loss)9901 | €11,508 | €40,575 | €9,358 | €17,671 | €18,047 | ▲ 2.1% |
| Financial income75/76B | - | €1,594 | €1,943 | €4,982 | €421 | ▼ 91.5% |
| Recurring financial income75 | - | €1,594 | €1,943 | €4,982 | €421 | ▼ 91.5% |
| Financial charges65/66B | €102 | €942 | €1,095 | €912 | €1,095 | ▲ 20.1% |
| Recurring financial charges65 | €102 | €942 | €1,095 | €912 | €1,095 | ▲ 20.1% |
| Profit (loss) for the period before taxes9903 | €11,406 | €41,227 | €10,207 | €21,741 | €17,373 | ▼ 20.1% |
| Income taxes67/77 | €9,648 | €13,643 | €5,491 | €6,188 | €7,584 | ▲ 22.5% |
| Profit (loss) for the period9904 | €1,758 | €27,584 | €4,715 | €15,553 | €9,790 | ▼ 37.1% |
| Profit (loss) for the period to be appropriated9905 | €1,758 | €27,584 | €4,715 | €15,553 | €9,790 | ▼ 37.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €24,253 | €101,478 | €89,942 | €93,983 | €78,059 | ▼ 16.9% |
| Fixed assets21/28 | €1,809 | €44,040 | €34,101 | €24,881 | €15,661 | ▼ 37.1% |
| Tangible fixed assets22/27 | €1,784 | €44,015 | €34,076 | €24,856 | €15,636 | ▼ 37.1% |
| Furniture and vehicles24 | €1,784 | €44,015 | €34,076 | €24,856 | €15,636 | ▼ 37.1% |
| Financial fixed assets28 | €25 | €25 | €25 | €25 | €25 | = |
| Current assets29/58 | €22,444 | €57,438 | €55,841 | €69,102 | €62,398 | ▼ 9.7% |
| Amounts receivable within one year40/41 | €5,416 | €8,119 | €10,386 | €14,673 | €9,132 | ▼ 37.8% |
| Trade receivables40 | €4,700 | €8,119 | €10,386 | €7,566 | €678 | ▼ 91.0% |
| Other amounts receivable41 | €716 | - | - | €7,107 | €8,454 | ▲ 18.9% |
| Current investments50/53 | - | €23,418 | €35,398 | €35,179 | €23,916 | ▼ 32.0% |
| Cash at bank and in hand54/58 | €15,167 | €23,192 | €8,104 | €16,468 | €28,099 | ▲ 70.6% |
| Deferred charges and accrued income490/1 | €1,861 | €2,709 | €1,954 | €2,782 | €1,251 | ▼ 55.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €24,253 | €101,478 | €89,942 | €93,983 | €78,059 | ▼ 16.9% |
| Equity10/15 | €21,767 | €49,351 | €54,066 | €54,066 | €34,514 | ▼ 36.2% |
| Contributions10/11 | €20,009 | €20,009 | €20,009 | €20,009 | €20,009 | = |
| Capital10 | €20,009 | - | - | - | - | - |
| Issued capital100 | €20,009 | - | - | - | - | - |
| Reserves13 | €1,758 | €29,342 | €34,058 | €34,058 | €14,505 | ▼ 57.4% |
| Distributable reserves133 | €1,758 | €29,342 | €34,058 | €34,058 | €14,505 | ▼ 57.4% |
| Amounts payable17/49 | €2,486 | €52,128 | €35,876 | €39,917 | €43,545 | ▲ 9.1% |
| Amounts payable after more than one year17 | - | €32,803 | €23,689 | €14,371 | €4,844 | ▼ 66.3% |
| Financial debts170/4 | - | €32,803 | €23,689 | €14,371 | €4,844 | ▼ 66.3% |
| Amounts payable within one year42/48 | €2,486 | €19,325 | €12,187 | €25,546 | €38,701 | ▲ 51.5% |
| Current portion of amounts payable after more than one year42 | - | €8,914 | €9,114 | €9,318 | €9,527 | ▲ 2.2% |
| Trade debts44 | €246 | €160 | €481 | €2,891 | €2,836 | ▼ 1.9% |
| Suppliers440/4 | €246 | €160 | €481 | €2,891 | €2,836 | ▼ 1.9% |
| Taxes, remuneration and social security45 | €176 | €8,643 | €472 | €5,137 | €2,886 | ▼ 43.8% |
| Taxes450/3 | €176 | €8,643 | €472 | €5,137 | €2,886 | ▼ 43.8% |
| Other amounts payable47/48 | €2,064 | €1,608 | €2,121 | €8,199 | €23,451 | ▲ 186% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,758 | €27,584 | €4,715 | €15,553 | €9,790 | ▼ 37.1% |
| + Depreciation and write-downs630 | €1,065 | €3,869 | €9,939 | €9,220 | €9,220 | = |
| Operating cash flow (approximation) | €2,823 | €31,453 | €14,655 | €24,773 | €19,010 | ▼ 23.3% |
| Investment in fixed assets (approximation) | - | -€46,100 | €0 | €0 | €0 | - |
| Change in cash | - | €8,025 | -€15,088 | €8,364 | €11,631 | ▲ 39.1% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €27,584 ▲1,469%
Operating result €40,575, net result €27,584, both a record.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €1,758 ▼88.5%
Net result drops to €1,758, the lowest in the series; recovery starts the following year.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 358 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 6 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Lochristi · 1 establishment unit since 1989
Ground area
1,125 m²
Building footprint
205 m²
Volume, LiDAR
883 m³
Parcel 44077A0687/00E000, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DE WINNE
since 19892.042.448.529
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44077A0687/00E000 | Flanders | 1,125 m² | 1 · 205 m² | 6.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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
Legal Entity Identifier
2549008BXFDTURNVCT97
Company details
Identification
Legal formPrivate limited company
Founded21-02-1989
Fiscal year end31-12
Contact
E-mail
hans@verzekeringendewinne.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0436788624
Also
9925:BE0436788624
Registered
30-01-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.