De Winter Bob
ActiveSummary
The computed 12-month bankruptcy probability of De Winter Bob is 2.1% (moderate). The 2025 annual accounts show equity of €3,000 and a net result of €39,013. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 7625 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability95▲+7
Solvency27▼-51
Growth58▼-20
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
1.6%
Return on assets
20.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7625 sector peers (2025).
NBB · sector comparisonPosition among 7625 sector peers
Solvency
better than 13%
← weakest
strongest →
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 06-03-2026, 147 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
147 d early
2024
57 d early
2023
56 d early
2022
54 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 79 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed 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 5 June (3 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€3,000▼ 96.9%
2024 · €97,517
Total assets
€188,494▲ 3.1%
2024 · €182,772
Net result
€39,013▲ 38.3%
2024 · €28,215
Working capital
-€25,722
2024 · €65,633
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€21,524-€62,451▲ 190%€35,990▼ 42.4%€51,903▲ 44.2%
Net result€14,446within the sector's middle half-€51,856above the sector's middle half▲ 259%€28,215above the sector's middle half▼ 45.6%€39,013above the sector's middle half▲ 38.3%
Equity€17,446within the sector's middle half-€69,302within the sector's middle half▲ 297%€97,517within the sector's middle half▲ 40.7%€3,000below the sector's middle half▼ 96.9%
Total assets€25,928below the sector's middle half-€79,946within the sector's middle half▲ 208%€182,772within the sector's middle half▲ 129%€188,494within the sector's middle half▲ 3.1%
Debt€8,482-€10,644▲ 25.5%€85,255▲ 701%€185,494▲ 118%
Working capital€17,446within the sector's middle half-€57,048within the sector's middle half▲ 227%€65,633within the sector's middle half▲ 15.0%-€25,722below the sector's middle half
Solvency67.3%above the sector's middle half-86.7%above the sector's middle half▲ 19.4pp53.4%within the sector's middle half▼ 33.3pp1.6%below the sector's middle half▼ 51.8pp
Current ratio3.06above the sector's middle half-6.36above the sector's middle half▲ 3.302.94within the sector's middle half▼ 3.410.83below the sector's middle half▼ 2.12
Return on assets (ROA)55.7%above the sector's middle half-64.9%above the sector's middle half▲ 9.1pp15.4%within the sector's middle half▼ 49.4pp20.7%above the sector's middle half▲ 5.3pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188,494
Fixed assets
€64,629 ▼ 22.5%
Current assets
€123,866 ▲ 24.6%
Equity and liabilities €188,494
Equity
€3,000 ▼ 96.9%
Debt
€185,494 ▲ 118%
Debt's share of the balance-sheet total rises from 46.6% to 98.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€70,662▲
2024 · €52,405
Cash flow
€57,772▲
2024 · €44,630
Debt to equity
61.83▲
2024 · 0.87
Interest coverage
29.01▲
2024 · 20.95
Debt ≤ 1 year
€149,588▲
2024 · €33,751
Debt > 1 year
€35,907▼
2024 · €51,504
Income taxes
€11,310▲
2024 · €6,440
A ratio outside any meaningful range has been withheld (balance sheet total €188,494, equity €3,000).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,157 companies that looked in July 2024 the way this one looks now, 3.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
3.0%
went bankrupt
2.8%
stopped otherwise
94%
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 2.1% 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 497,340 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 2,157 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €950 | €240 | €16,415 | €18,759 | ▲ 14.3% |
| Other operating charges640/8 | €100 | - | €1,317 | €929 | ▼ 29.5% |
| Gross operating margin9900 | €22,574 | €62,691 | €53,722 | €71,591 | ▲ 33.3% |
| Operating profit (loss)9901 | €21,524 | €62,451 | €35,990 | €51,903 | ▲ 44.2% |
| Financial income75/76B | €450 | €1,462 | €1,166 | €857 | ▼ 26.5% |
| Recurring financial income75 | €450 | €1,462 | €1,166 | €857 | ▼ 26.5% |
| Financial charges65/66B | €28 | €99 | €2,502 | €2,436 | ▼ 2.6% |
| Recurring financial charges65 | €28 | €99 | €2,502 | €2,436 | ▼ 2.6% |
| Profit (loss) for the period before taxes9903 | €21,946 | €63,814 | €34,654 | €50,324 | ▲ 45.2% |
| Income taxes67/77 | €7,500 | €11,958 | €6,440 | €11,310 | ▲ 75.6% |
| Profit (loss) for the period9904 | €14,446 | €51,856 | €28,215 | €39,013 | ▲ 38.3% |
| Profit (loss) for the period to be appropriated9905 | €14,446 | €51,856 | €28,215 | €39,013 | ▲ 38.3% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €25,928 | €79,946 | €182,772 | €188,494 | ▲ 3.1% |
| Fixed assets21/28 | - | €12,253 | €83,388 | €64,629 | ▼ 22.5% |
| Tangible fixed assets22/27 | - | €12,253 | €83,388 | €64,629 | ▼ 22.5% |
| Furniture and vehicles24 | - | - | €72,384 | €54,874 | ▼ 24.2% |
| Other tangible fixed assets26 | - | €12,253 | €11,004 | €9,755 | ▼ 11.4% |
| Current assets29/58 | €25,928 | €67,693 | €99,384 | €123,866 | ▲ 24.6% |
| Amounts receivable within one year40/41 | €6,861 | €23,721 | €27,494 | €23,027 | ▼ 16.2% |
| Trade receivables40 | - | €11,451 | €9,275 | €14,640 | ▲ 57.8% |
| Other amounts receivable41 | €6,861 | €12,270 | €18,219 | €8,388 | ▼ 54.0% |
| Cash at bank and in hand54/58 | €19,067 | €43,837 | €71,581 | €100,664 | ▲ 40.6% |
| Deferred charges and accrued income490/1 | - | €135 | €309 | €174 | ▼ 43.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €25,928 | €79,946 | €182,772 | €188,494 | ▲ 3.1% |
| Equity10/15 | €17,446 | €69,302 | €97,517 | €3,000 | ▼ 96.9% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €14,446 | €66,302 | €94,517 | - | - |
| Amounts payable17/49 | €8,482 | €10,644 | €85,255 | €185,494 | ▲ 118% |
| Amounts payable after more than one year17 | - | - | €51,504 | €35,907 | ▼ 30.3% |
| Financial debts170/4 | - | - | €51,504 | €35,907 | ▼ 30.3% |
| Amounts payable within one year42/48 | €8,482 | €10,644 | €33,751 | €149,588 | ▲ 343% |
| Current portion of amounts payable after more than one year42 | - | - | €15,014 | €15,598 | ▲ 3.9% |
| Trade debts44 | €923 | - | €5,108 | - | - |
| Suppliers440/4 | €923 | - | €5,108 | - | - |
| Taxes, remuneration and social security45 | €2,100 | €2,100 | €2,100 | €7,952 | ▲ 279% |
| Taxes450/3 | €2,100 | €2,100 | €2,100 | €7,952 | ▲ 279% |
| Other amounts payable47/48 | €5,459 | €8,544 | €11,529 | €126,038 | ▲ 993% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,446 | €51,856 | €28,215 | €39,013 | ▲ 38.3% |
| + Depreciation and write-downs630 | €950 | €240 | €16,415 | €18,759 | ▲ 14.3% |
| Operating cash flow (approximation) | €15,396 | €52,095 | €44,630 | €57,772 | ▲ 29.4% |
| Investment in fixed assets (approximation) | - | - | -€87,549 | €0 | ▲ 100% |
| Change in cash | - | €24,770 | €27,744 | €29,083 | ▲ 4.8% |
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
06-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €51,856 ▲259%
Operating result €62,451, net result €51,856, both a record.
31-12
Financial
Liquidity doublescurrent ratio 6.36
Current ratio from 3.06 to 6.36.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Hulshout · 1 establishment unit since 2022
Ground area
899 m²
Building footprint
175 m²
Volume, LiDAR
1,081 m³
Parcel 13016E0141/00E000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Winter Bob
since 20222.330.910.592
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13016E0141/00E000 | Flanders | 899 m² | 1 · 175 m² | 9.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 386 EUR awarded · 287 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 386 EUR | 287 EUR |
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Of 29,786 companies in sector 41001 we hold annual accounts for 16,061. 4,594 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-05-2022
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
42110Construction of roads and motorways
43240Other construction installation
43990Other specialised construction activities
47521Retail sale of hardware, building materials, paint and glass (general range)
81300Landscape service activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0785787201
Also
9925:BE0785787201
Registered
25-11-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.