Turnover
≈ €160,000 estimated
The micro format states no turnover.
FOUR WINDS
Lifetime
1 annual account with figurespeak €60,520 (2025)
€60,520
peak €46,521 (2025)
€46,521
peak €49,021 (2025)
€49,021
€37,740
Board1 name since 2024
1 directorDE ZWAEF Jacoba
Documentsfilings and deeds
22-06-202639 days before the deadline
2025micro format
First year with figures
Key points
from the 2025 annual accountsStarting capital
€2,500 100 shares
Position in the sector
€46,521
Higher net result than 91% of companies in personal services. Sector median €2,797 · 5,760 companies.
Checked score
67
Healthy
Financially stronger than 68% of micro companies in personal services (NACE 96)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 1.6%
12-2025: 1.7%▲ +0.1 percentage points vs 11-2025
01-2026: 2.0%▲ +0.3 percentage points vs 12-2025
02-2026: 2.1%▲ +0.1 percentage points vs 01-2026
03-2026: 2.4%▲ +0.3 percentage points vs 02-2026
04-2026: 2.4%● unchanged vs 03-2026
05-2026: 2.6%▲ +0.2 percentage points vs 04-2026
06-2026: 2.7%▲ +0.1 percentage points vs 05-2026
07-2026: 2.5%▼ -0.2 percentage points vs 06-2026
08-2026: 2.6%▲ +0.1 percentage points vs 07-2026
09-2026: 2.9%▲ +0.3 percentage points vs 08-2026highest value
10-2026: 1.2%▼ -1.7 percentage points vs 09-2026lowest value
11-2026: 1.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: total assets €86,760
lowers risk
Liquidity: current ratio 2.11, cash €12,278
Equity €49,021 (56.5% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, micro). It does better than 73% of them on solvency, 39% on liquidity and 93% on profitability.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as FOUR WINDS has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of FOUR WINDS itself: 1.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for FOUR WINDS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.11, above the usual 1.5. Short-term debt is 43.5% and cash 14.2% of total assets. 43.5% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 22-06-2026, 39 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
39 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1014446487
Incorporation
Founding capital of €2,500, 100 shares · Appointment: DE ZWAEF Jacoba (director) · Registered office clause: Gehuchtstraat 183, bus 1, 1640 Sint-Genesius-Rode · published on 03-10-2024 · Gazette deed
First establishment
Gehuchtstraat 183, Sint-Genesius-Rode
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FOUR WINDS Sint-Genesius-Rode | €86,760 | €60,520 | 56.5% | - |
| ROEDEL MANAGERS Zutendaal | €104,853 | €69,671 | 94.9% | - |
| HAPPY GROWTH Oud-Heverlee | €68,859 | €70,181 | 68.4% | - |
| AO Cia Balen | €111,357 | €44,575 | 39.6% | - |
| TAKTI COACHING Uccle | €61,174 | €50,289 | 64.3% | - |
| FOR 7. Woluwe-Saint-Pierre | €139,925 | €46,384 | 28.3% | - |
| Gilles Van Kerckvoorde Merelbeke-Melle | €63,684 | €57,430 | 60.0% | - |
These companies have the same main activity as FOUR WINDS: other personal services (NACE 96999). They are comparable in size and age: total assets between €61,200 and €140,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 01-10-2024Normal situation
- Activity
- Other personal servicesNACE 96999and 4 others
- Establishment unit
- 2.365.729.4361640 Sint-Genesius-Rode, since 01-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 28-11-2024
Annual accounts 2025
- €86,760
- Filing
- Filed on 22-06-2026, 39 days before the end of the filing period
Insights on FOUR WINDS
FOUR WINDS has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49,021 and a net result of €46,521.
Its solvency ranks better than 73% of 5,753 sector peers (NACE 96, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FOUR WINDS
- What is the company number of FOUR WINDS?
- The company number of FOUR WINDS is 1014.446.487. The VAT number is the same number with BE in front: BE 1014.446.487.
- Where is FOUR WINDS based?
- The registered office is at Gehuchtstraat 183, 1640 Sint-Genesius-Rode.Company details
- What does FOUR WINDS do?
- According to the KBO register, the main activity is other personal services (NACE 96999).
- What is the legal form of FOUR WINDS?
- FOUR WINDS is a private limited company (BV).
- When was FOUR WINDS founded?
- FOUR WINDS was founded on 01-10-2024.
- Is FOUR WINDS still active?
- Yes, FOUR WINDS is an active enterprise in the KBO register.
- What is the turnover of FOUR WINDS?
- The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €60,520 and 36 comparable companies (NACE 96). It probably lies between €110,000 and €200,000.Financials
- Is FOUR WINDS profitable?
- In financial year 2025, FOUR WINDS made a profit of €46,521.
- Where can I find the annual accounts of FOUR WINDS?
- FOUR WINDS filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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