Jeanine WINDEY
ActiveJeanine WINDEY has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €443k and a net result of €-95k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 89% of 15367 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-67
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 1.7 in 2023; short-term debt: 9.9% and cash: 15.9% of total assets), and 9.9% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
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 2024Solvency, return and age of the figures
Solvency
90.1%
Return on assets
-19.2%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-95k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
91 d late
2022
88 d late
2021
86 d late
2020
179 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€443k▼ 17.6%
2023 · €538k
2018: €588k
2019: €583k
2020: €697k
2021: €554k
2022: €546k
2023: €538k
2018 → 2024
Total assets
€492k▼ 24.2%
2023 · €649k
2018: €643k
2019: €646k
2020: €757k
2021: €659k
2022: €650k
2023: €649k
2018 → 2024
Net result
€-95k▼ 1,027%
2023 · €-8k
2018: €-60k
2019: €23k
2020: €114k
2021: €27k
2022: €-8k
2023: €-8k
2018 → 2024
Working capital
€71k▼ 8.6%
2023 · €78k
2018: €123k
2019: €129k
2020: €234k
2021: €99k
2022: €45k
2023: €78k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€697k-€554k▼ 20.5%€546k▼ 1.4%€538k▼ 1.5%€443k▼ 17.6%
Operating result€154k-€40k▼ 74.1%€-4k€-5k▼ 25.9%€-93k▼ 1,720%
Net result€114k-€27k▼ 76.2%€-8k€-8k▼ 8.8%€-95k▼ 1,027%
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 €93k in 2024 against €5k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €492k
Fixed assets
€372k▼ 19.1%
Current assets
€120k▼ 36.4%
Equity and liabilities €492k
Equity
€443k▼ 17.6%
Debt
€49k▼ 56.0%
The debt ratio falls from 17.1% to 9.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-31k▼
2023 · €63k
Cash flow
€-32k▼
2023 · €60k
Solvency
90.1%▲
2023 · 82.9%
Current ratio
2.46▲
2023 · 1.70
Quick ratio
2.46▲
2023 · 1.70
Debt / equity
0.11▼
2023 · 0.21
ROE
-21.4%▼
2023 · -1.6%
ROA
-19.2%▼
2023 · -1.3%
Interest coverage
-38.99▼
2023 · 119.82
Debt
€49k▼
2023 · €111k
Debt ≤ 1 year
€49k▼
2023 · €111k
Income taxes
€694▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€649k€492k▼
Fixed assets21/28€460k€372k▼
Tangible fixed assets22/27€444k€356k▼
Land and buildings22€302k€249k▼
Plant, machinery and equipment23€23k€20k▼
Furniture and vehicles24€47k€30k▼
Other tangible fixed assets26€72k€58k▼
Financial fixed assets28€15k€15k=
Current assets29/58€189k€120k▼
Amounts receivable within one year40/41€53k€41k▼
Trade receivables40€47k€35k▼
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€132k€78k▼
Deferred charges and accrued income490/1€4k€973▼
Equity and liabilities
Total equity and liabilities10/49€649k€492k▼
Equity10/15€538k€443k▼
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€524k€429k▼
Amounts payable17/49€111k€49k▼
Amounts payable within one year42/48€111k€49k▼
Trade debts44€73k€44k▼
Suppliers440/4€73k€44k▼
Taxes, remuneration and social security45€17k€3k▼
Taxes450/3€17k€3k▼
Other amounts payable47/48€21k€967▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€63k▼
Other operating charges640/8€4k€6k▲
Non-recurring operating charges66A€183€0▼
Gross operating margin9900€67k€-24k▼
Operating profit (loss)9901€-5k€-93k▼
Financial income75/76B€154€275▲
Recurring financial income75€154€275▲
Financial charges65/66B€524€783▲
Recurring financial charges65€524€783▲
Profit (loss) for the period before taxes9903€-6k€-94k▼
Income taxes67/77€3k€694▼
Profit (loss) for the period9904€-8k€-95k▼
Profit (loss) for the period to be appropriated9905€-8k€-95k▼
Appropriation of the result
Profit (loss) to be appropriated9906€524k€429k▼
Profit (loss) brought forward from the previous period14P€532k€524k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-95k
Net result drops to €-95k, the lowest in the series.
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 86 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 179 days late
2020
31-12
Financial
Highest result since 2018net €114k ▲399%
Operating result €154k, net result €114k, both a record.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 68 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ukkel · 1 establishment unit since 1996
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.
Hamoirlaan 141180 UkkelGround area
1.3 ha
Building footprint
1,435 m²
Volume, LiDAR
22,921 m³
2 parcels, Brussels · tallest building 21.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Louis Lepoutrelaan 91, 1050 Elsene
since 19962.233.970.673
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0294/00Z019 | Brussels | 1.3 ha | 1 · 1,304 m² | 18.9 m · 6 fl. |
| 21447B0313/00M023 | Brussels | 353 m² | 1 · 131 m² | 21.9 m · 6 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300VIWPHS3RNBCT60
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Of 22,049 companies in sector 69101 we hold annual accounts for 9,048. 6,135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-1996
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.