EXPERTISEBUREAU DE WOLF
ActiveEXPERTISEBUREAU DE WOLF has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €-5k. Equity is shrinking by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency98▼-2
Growth58=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.96 against 2.19 in 2024), and 38.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
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
61.7%
Return on assets
-7.7%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€5k
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
31 d late
2023
31 d late
2022
25 d late
2021
1 d early
2020
31 d late
2019
32 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▼ 7.1%
2024 · €44k
2018: €76k
2019: €96k
2020: €79k
2021: €75k
2022: €76k
2023: €47k
2024: €44k
2018 → 2025
Total assets
€66k▲ 7.7%
2024 · €62k
2018: €105k
2019: €123k
2020: €145k
2021: €155k
2022: €149k
2023: €94k
2024: €62k
2018 → 2025
Net result
€-5k▼ 70.0%
2024 · €-3k
2018: €-14k
2019: €19k
2020: €3k
2021: €9k
2022: €481
2023: €-28k
2024: €-3k
2018 → 2025
Working capital
€24k▲ 16.7%
2024 · €21k
2018: €83k
2019: €101k
2020: €75k
2021: €63k
2022: €64k
2023: €37k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€76k▲ 0.6%€47k▼ 37.6%€44k▼ 6.4%€41k▼ 7.1%
Operating result€16k-€11k▼ 29.0%€-25k€-2k▲ 91.4%€-3k▼ 51.0%
Net result€9k-€481▼ 94.5%€-28k€-3k▲ 89.4%€-5k▼ 70.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €2k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€17k▼ 28.2%
Current assets
€50k▲ 29.5%
Equity and liabilities €66k
Equity
€41k▼ 7.1%
Debt
€25k▲ 45.1%
The debt ratio rises from 28.4% to 38.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€3k▼
2024 · €5k
Cash flow
€1k▼
2024 · €4k
Solvency
61.7%▼
2024 · 71.6%
Current ratio
1.96▼
2024 · 2.19
Quick ratio
1.58▼
2024 · 1.71
Debt / equity
0.62▲
2024 · 0.40
ROE
-12.5%▼
2024 · -6.8%
ROA
-7.7%▼
2024 · -4.9%
Interest coverage
9.54▲
2024 · 8.92
Debt
€25k▲
2024 · €18k
Debt ≤ 1 year
€25k▲
2024 · €18k
Income taxes
€2k▲
2024 · €369
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€62k€66k▲
Fixed assets21/28€23k€17k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€22k€15k▼
Land and buildings22€15k€15k=
Furniture and vehicles24€7k€0▼
Financial fixed assets28€2k€2k=
Current assets29/58€38k€50k▲
Stocks and contracts in progress3€8k€10k▲
Stocks30/36€8k€10k▲
Amounts receivable within one year40/41€8k€14k▲
Trade receivables40€8k€14k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€21k€25k▲
Deferred charges and accrued income490/1€921€1k▲
Equity and liabilities
Total equity and liabilities10/49€62k€66k▲
Equity10/15€44k€41k▼
Contributions10/11€20k€22k▲
Reserves13€24k€24k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€-470€-6k▼
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Pensions and similar obligations160€0-
Amounts payable17/49€18k€25k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€18k€25k▲
Current portion of amounts payable after more than one year42€2k€0▼
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Advances received on contracts in progress46-€37
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€9k€14k▲
Accrued charges and deferred income492/3€0€50▲
Income statement
Code20242025
Non-recurring operating income76A€24k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€8k€5k▼
Operating profit (loss)9901€-2k€-3k▼
Financial income75/76B€33€5▼
Recurring financial income75€33€5▼
Financial charges65/66B€542€349▼
Recurring financial charges65€542€349▼
Profit (loss) for the period before taxes9903€-3k€-4k▼
Income taxes67/77€369€2k▲
Profit (loss) for the period9904€-3k€-5k▼
Profit (loss) for the period to be appropriated9905€-3k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-6k▲
Profit (loss) brought forward from the previous period14P€-28k€-470▲
Transfer from equity791/2€31k€0▼
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-28k ▼6013%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 4 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Aalst · 2 establishment units since 2008
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.
Lindenstraat 599300 AalstGround area
799 m²
Building footprint
396 m²
Volume, LiDAR
2,919 m³
2 parcels, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
@Sommelier Dimi
since 20082.173.115.744
Sommelier Dimi
since 20232.341.777.661
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41015B0396/00M000 | Flanders | 429 m² | 1 · 305 m² | 10.5 m · 3 fl. |
| 41302C0617/00D000 | Flanders | 369 m² | 1 · 92 m² | 6.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAalst2.173.115.744
Erpe-Mere2.341.777.661
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Of 12,964 companies in sector 47120 we hold annual accounts for 2,176. 1,485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2008
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
46170Agents in the wholesale of food, beverages and tobacco
46349Wholesale of beverages, general range
47252Retail sale of beverages, general range
47279Other retail sale of food
47299Retail trade
66210Risk and damage evaluation
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.sommelierdimi.be
E-mail:expertisebureaudewolf@skynet.be