FINWINES

Active

Private limited companyfounded 201412 yrs activeFélix Marchallaan 142, 1030 Schaarbeek, BelgiumKBO/BCE: BE 0553.845.155

Summary

The computed 12-month bankruptcy probability of FINWINES is 4.6% (elevated). The 2024 annual accounts show negative equity (-€8,755) and a net result of -€40,237. Equity is growing by ~8.5% per year across the filed fiscal years. The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

FINWINESActiveChecked score 36/100

Risk analysis Report Compare

Activity

Cafés and bars

NACE 56301

1 site

Size

€158,086total assets 2024

Staff: 7.4 FTE
Equity: -€8,755
Loss: -€40,237

Financial health

36 Weak Checked score 2024

Bankruptcy chance 12 m: 4.6%

Structure

Largest shareholder: PIERRE STUYCK · 49%

Accounts 35 d early0 of 8 deeds read

Why 36- Loss of €40,237 (FY 2024)- Negative equity -€8,755+ Founded in 2014+ Liquidity: current ratio 0.45, cash €33,058Show the evidence

Checked score

Score 2024

36 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 18% of its sector peers (NACE 56, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2023

Weak

Solvency 19-30

equity -5.5% of total assets

Liquidity 28-13

short-term debt 87.8% · cash 20.9%

Profitability 6-89

return on assets -25.5%

Bankruptcy probability, 12 months

4.6% Elevated

0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,449 companies)

Last 16 months 07-2025: 4.6% 08-2025: 4.6%● 0.0% vs 07-2025 09-2025: 4.6%● 0.0% vs 08-2025 10-2025: 4.6%● 0.0% vs 09-2025 11-2025: 4.6%● 0.0% vs 10-2025 12-2025: 4.6%● 0.0% vs 11-2025 01-2026: 4.5%▼ -1.8% vs 12-2025 02-2026: 4.5%● 0.0% vs 01-2026 03-2026: 4.5%● 0.0% vs 02-2026 04-2026: 4.4%▼ -3.6% vs 03-2026 05-2026: 4.3%▼ -1.6% vs 04-2026 06-2026: 4.2%▼ -2.0% vs 05-2026lowest value 07-2026: 4.7%▲ +12.1% vs 06-2026highest value 08-2026: 4.6%▼ -2.2% vs 07-2026 09-2026: 4.6%▲ +0.3% vs 08-2026 10-2026: 4.6%▼ -0.6% vs 09-2026

Founded in 2014 lowers the probability for this profile
Liquidity: current ratio 0.45, cash €33,058 lowers the probability
Loss of €40,237 (FY 2024) raises the probability
Negative equity -€8,755 raises the probability

No credit on open account

Liquidity short (current ratio 0.45 against 1.01 in 2023; short-term debt: 87.8% and cash: 20.9% of total assets), and equity is negative.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 24%, liquidity 23%, profitability 20%, growth against the median 7%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2014

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Liquidity: current ratio 0.45, cash €33,058

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Loss of €40,237 (FY 2024)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Negative equity -€8,755

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-06-2026, 35 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

35 d early

2024

169 d early

2023

162 d early

2022

136 d early

2021

129 d early

2020

113 d early

2019

150 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 128 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (2)

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 17 March (4 of the last 5 filed years within 33 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

26-06-26 Annual accounts filedfiscal year 2025 · micro…
12-02-25 Annual accounts filedfiscal year 2024 · full…
31-12-24 Weakest financial yearnet -€40,237

Key points

Risk: Negative equityfiscal year 2024: debts exceed assets -€8,755 View
Caution: From profit to loss in 2024after €60,993 in 2023 -€40,237 View
Positive: Always filed on timeaccounts within the deadline every year 8 years View
Known shareholderslargest: PIERRE STUYCK 49% 49% View