IMMO WINA
ActiveIMMO WINA has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12.95M and a net result of €58k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 296 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -19 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability22▼-50
Solvency83=
Growth56▼-17
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.35 in 2024), and 43.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
56.7%
Return on assets
0.3%
Age of the figures
8 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
31 d late
2022
15 d late
2021
72 d late
2020
89 d late
2019
59 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, full schema
Turnover
€1.83M▲ 3.0%
2024 · €1.78M
2018: €1.02M
2019: €981k
2020: €1.57M
2021: €1.19M
2022: €1.19M
2023: €1.68M
2024: €1.78M
2018 → 2025
EBIT margin
-9.7%▼ 31.8pp
2024 · 22.2%
2018: 36.8%
2019: 31.7%
2020: 53.0%
2021: 71.9%
2022: 58.0%
2023: 83.8%
2024: 22.2%
2018 → 2025
Net result
€58k▼ 87.1%
2024 · €449k
2018: €369k
2019: €354k
2020: €1.94M
2021: €887k
2022: €704k
2023: €1.26M
2024: €449k
2018 → 2025
Working capital
€2.78M▼ 11.3%
2024 · €3.13M
2018: €-829k
2019: €-866k
2020: €2.49M
2021: €3.39M
2022: €3.65M
2023: €3.03M
2024: €3.13M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.19M-€1.19M▼ 0.4%€1.68M▲ 41.5%€1.78M▲ 5.9%€1.83M▲ 3.0%
Equity€10.47M-€11.17M▲ 6.7%€12.44M▲ 11.3%€12.89M▲ 3.6%€12.95M▲ 0.5%
Operating result€857k-€688k▼ 19.7%€1.41M▲ 104%€395k▼ 72.0%€-177k
Net result€887k-€704k▼ 20.7%€1.26M▲ 79.6%€449k▼ 64.5%€58k▼ 87.1%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €177k after €395k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22.82M
Fixed assets
€11.44M▲ 1.3%
Current assets
€11.38M▼ 5.7%
Equity and liabilities €22.82M
Equity
€12.95M▲ 0.5%
Provisions
€0▼ 100%
Debt
€9.87M▼ 5.7%
The debt ratio falls from 44.8% to 43.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€85k▼
2024 · €693k
Cash flow
€320k▼
2024 · €747k
Solvency
56.7%▲
2024 · 55.2%
Current ratio
1.32▼
2024 · 1.35
Quick ratio
1.06▲
2024 · 0.97
Debt / equity
0.76▼
2024 · 0.81
ROE
0.4%▼
2024 · 3.5%
ROA
0.3%▼
2024 · 1.9%
Interest coverage
1.42▼
2024 · 13.38
Debt
€9.87M▼
2024 · €10.46M
Debt ≤ 1 year
€8.60M▼
2024 · €8.93M
Debt > 1 year
€1.27M▼
2024 · €1.53M
Income taxes
€24k▼
2024 · €154k
Staff costs
€577k▲
2024 · €546k
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€23.35M€22.82M▼
Fixed assets21/28€11.29M€11.44M▲
Tangible fixed assets22/27€6.46M€6.13M▼
Land and buildings22€6.38M€6.05M▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€75k€75k=
Financial fixed assets28€4.83M€5.31M▲
Companies linked by participating interests282/3€2.19M€2.67M▲
Participating interests282€2.19M€2.67M▲
Other financial fixed assets284/8€2.65M€2.65M=
Shares284€2.65M€2.65M=
Current assets29/58€12.06M€11.38M▼
Stocks and contracts in progress3€3.41M€2.23M▼
Stocks30/36€3.41M€2.23M▼
Goods purchased for resale34€128k€161k▲
Property held for sale35€3.28M€2.07M▼
Amounts receivable within one year40/41€8.44M€8.04M▼
Trade receivables40€831k€345k▼
Other amounts receivable41€7.60M€7.70M▲
Current investments50/53€0€950k▲
Other investments51/53€0€950k▲
Cash at bank and in hand54/58€215k€150k▼
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€23.35M€22.82M▼
Equity10/15€12.89M€12.95M▲
Contributions10/11€175k€175k=
Capital10€175k€175k=
Issued capital100€175k€175k=
Revaluation surpluses12€47k€47k=
Reserves13€12.67M€12.72M▲
Non-distributable reserves130/1€18k€18k=
Legal reserve130€18k€18k=
Tax-exempt reserves132€3k€0▼
Distributable reserves133€12.65M€12.71M▲
Profit (loss) carried forward14€528€177▼
Provisions and deferred taxes16€1k€0▼
Deferred taxes168€1k€0▼
Amounts payable17/49€10.46M€9.87M▼
Amounts payable after more than one year17€1.53M€1.27M▼
Financial debts170/4€1.53M€1.27M▼
Credit institutions173€1.53M€1.27M▼
Other amounts payable178/9€3k€3k=
Amounts payable within one year42/48€8.93M€8.60M▼
Current portion of amounts payable after more than one year42€259k€262k▲
Trade debts44€157k€59k▼
Suppliers440/4€157k€59k▼
Taxes, remuneration and social security45€210k€93k▼
Taxes450/3€134k€16k▼
Remuneration and social security454/9€76k€77k▲
Other amounts payable47/48€8.30M€8.18M▼
Accrued charges and deferred income492/3€383€2k▲
Income statement
Code20242025
Operating income70/76A€2.20M€2.52M▲
Turnover70€1.78M€1.83M▲
Other operating income74€419k€375k▼
Non-recurring operating income76A€0€312k▲
Operating charges60/66A€1.81M€2.70M▲
Goods for resale, raw materials and consumables60€84k€1.35M▲
Purchases600/8€724k€174k▼
Change in stocks: decrease (increase)609€-640k€1.18M▲
Services and other goods61€801k€429k▼
Remuneration, social security and pensions62€546k€577k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€298k€262k▼
Other operating charges640/8€72k€76k▲
Non-recurring operating charges66A€4k€0▼
Operating profit (loss)9901€395k€-177k▼
Financial income75/76B€268k€320k▲
Recurring financial income75€268k€320k▲
Income from financial fixed assets750€267k€295k▲
Income from current assets751€0€25k▲
Other financial income752/9€1k€28▼
Financial charges65/66B€62k€62k▲
Recurring financial charges65€62k€62k▲
Debt charges650€52k€60k▲
Other financial charges652/9€10k€3k▼
Profit (loss) for the period before taxes9903€601k€81k▼
Transfer from deferred taxes780€2k€1k▼
Income taxes67/77€154k€24k▼
Taxes670/3€154k€24k▼
Profit (loss) for the period9904€449k€58k▼
Transfer from tax-exempt reserves789€4k€3k▼
Profit (loss) for the period to be appropriated9905€453k€61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€456k€61k▼
Profit (loss) brought forward from the previous period14P€3k€528▼
Transfer to equity691/2€455k€61k▼
To other reserves6921€455k€61k▼
Social balance
Average headcount (FTE)90877.78.4▲
The notes to these accounts (77 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €58k ▼87.1%
Net result drops to €58k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 15 days late
2022
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 72 days late
2021
31-12
Financial
Equity above €10MEq €10.47M ▲9.3%
4 profitable years in a row build equity to €10.47M.
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
31-12
Financial
Highest result since 2018net €1.94M ▲449%
Net result €1.94M, the highest in the series.
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 59 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Kluisbergen · 1 establishment unit since 1985
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.
Neerhofstraat 19690 KluisbergenGround area
8,144 m²
Building footprint
370 m²
Volume, LiDAR
2,036 m³
Parcel 45002B1242/00F000, Flanders · tallest building 14.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Neerhofstraat 1, 9690 Kluisbergen
since 19852.028.583.071
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45002B1242/00F000 | Flanders | 8,144 m² | 1 · 370 m² | 14.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
96760003XTKLU79K0G31
Similar companies · same sector, comparable size
NEVIMO
BE 0446.588.493
Gent · Eq €12.95M
STEENSTAETE
BE 0453.934.165
Knokke-Heist · Eq €12.89M
REDROSE PROPERTIES
BE 0457.951.450
Aalst · Eq €13.06M
VENATORIS
BE 1015.979.384
Langemark-Poelkapelle · Eq €13.10M
Bruurs Invest
BE 0877.816.742
Turnhout · Eq €13.14M
Of 9,095 companies in sector 68201 we hold annual accounts for 6,729. 1,842 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-12-1985
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
93053
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 40 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.