FD & Wienog
ActiveFD & Wienog is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €105k and a net result of €31k. Equity is growing by ~47.3% per year across the filed fiscal years. Its solvency ranks better than 68% of 65 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 19-03-2026, 134 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
134 d early
2024
51 d early
2023
65 d late
← 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
€105k▲ 43.1%
2024 · €73k
2023: €35k
2024: €73k
2023 → 2025
Net result
€31k▼ 16.4%
2024 · €38k
2023: €34k
2024: €38k
2023 → 2025
Total assets
€157k▲ 9.4%
2024 · €144k
2023: €90k
2024: €144k
2023 → 2025
Solvency
66.5%▲ 15.7pp
2024 · 50.8%
2023: 39.4%
2024: 50.8%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€35k-€73k▲ 106%€105k▲ 43.1%
Operating result€47k-€59k▲ 24.4%€49k▼ 15.7%
Net result€34k-€38k▲ 9.4%€31k▼ 16.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €157k
Fixed assets
€56k▲ 50.1%
Current assets
€102k▼ 4.8%
Equity and liabilities €157k
Equity
€105k▲ 43.1%
Debt
€53k▼ 25.5%
The debt ratio falls from 49.2% to 33.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
66.5%▲
2024 · 50.8%
ROE
30.1%▼
2024 · 51.5%
ROA
20.0%▼
2024 · 26.2%
Debt
€53k▼
2024 · €71k
Debt ≤ 1 year
€50k▼
2024 · €68k
Income taxes
€15k▼
2024 · €18k
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€144k€157k▲
Fixed assets21/28€37k€56k▲
Tangible fixed assets22/27€37k€56k▲
Furniture and vehicles24€37k€56k▲
Current assets29/58€107k€102k▼
Amounts receivable within one year40/41€37k€32k▼
Trade receivables40€37k€27k▼
Other amounts receivable41-€5k
Cash at bank and in hand54/58€68k€69k▲
Deferred charges and accrued income490/1€2k€733▼
Equity and liabilities
Total equity and liabilities10/49€144k€157k▲
Equity10/15€73k€105k▲
Contributions10/11€1k€1k=
Reserves13€72k€104k▲
Distributable reserves133€72k€104k▲
Amounts payable17/49€71k€53k▼
Amounts payable within one year42/48€68k€50k▼
Trade debts44€2k€175▼
Suppliers440/4€2k€175▼
Taxes, remuneration and social security45€31k€7k▼
Taxes450/3€31k€7k▼
Other amounts payable47/48€34k€43k▲
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€6k▼
Other operating charges640/8€1k€9k▲
Gross operating margin9900€72k€65k▼
Operating profit (loss)9901€59k€49k▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€55k€47k▼
Income taxes67/77€18k€15k▼
Profit (loss) for the period9904€38k€31k▼
Profit (loss) for the period to be appropriated9905€38k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€31k▼
Transfer to equity691/2€38k€31k▼
To other reserves6921€38k€31k▼
The notes to these accounts (7 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €31k ▼16.4%
Net result drops to €31k, the lowest in the series.
31-12
Financial
Equity above €100kEq €105k ▲43.1%
3 profitable years in a row build equity to €105k.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €38k ▲9.4%
Operating result €59k, net result €38k, both a record.
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Temse · 2 establishment units since 2023
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.
Lepelstraat 1019140 TemseGround area
1.2 ha
Building footprint
1,193 m²
Volume, LiDAR
6,953 m³
3 parcels, Flanders · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
FD & Wienog
since 20232.353.917.014
FD & Wienog
since 20232.353.917.113
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46023C0892/00L000 | Flanders | 1.1 ha | 1 · 216 m² | 14.6 m · 4 fl. |
| 46023C0908/00T000 | Flanders | 859 m² | - | - |
| 46444D0639/00P002 | Flanders | 754 m² | 1 · 977 m² | 15.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
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PHARMACITY
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Bureau d'assurances REMACLE
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Of 95 companies in sector 65112 we hold annual accounts for 53. 43 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2023
Fiscal year end31-12
Activities, NACEBEL
65112Insurance, reinsurance and pension funding, except compulsory social security
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.