MD VINS
ActiveThe computed 12-month bankruptcy probability of MD VINS is 1.6% (moderate). The 2025 annual accounts show equity of €153k and a net result of €64k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 48% of 13204 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-4
Solvency54▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.39 against 1.16 in 2024; short-term debt: 55.7% and cash: 44.4% of total assets), and 71.3% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
28.7%
Return on assets
12%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
48 d late
2022
24 d late
2021
31 d late
2020
39 d late
2019
91 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€64k▼ 11.3%
2024 · €72k
2018: €8k
2019: €16k
2020: €36k
2021: €20k
2022: €-44k
2023: €17k
2024: €72k
2018 → 2025
Working capital
€116k▲ 151%
2024 · €46k
2018: €20k
2019: €23k
2020: €56k
2021: €80k
2022: €61k
2023: €79k
2024: €46k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€72k▼ 38.0%€88k▲ 23.4%€89k▲ 0.8%€153k▲ 71.4%
Operating result€26k-€-40k€28k€96k▲ 242%€104k▲ 7.5%
Net result€20k-€-44k€17k€72k▲ 328%€64k▼ 11.3%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €532k
Fixed assets
€120k▼ 14.2%
Current assets
€412k▲ 25.3%
Equity and liabilities €532k
Equity
€153k▲ 71.4%
Debt
€379k▼ 0.1%
The debt ratio falls from 81.0% to 71.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€138k▲
2024 · €128k
Cash flow
€98k▼
2024 · €103k
Solvency
28.7%▲
2024 · 19.0%
Current ratio
1.39▲
2024 · 1.16
Quick ratio
1.13▲
2024 · 0.95
Debt / equity
2.48▼
2024 · 4.25
ROE
41.7%▼
2024 · 80.5%
ROA
12.0%▼
2024 · 15.3%
Interest coverage
9.26▼
2024 · 11.89
Debt
€379k▼
2024 · €379k
Debt ≤ 1 year
€296k▲
2024 · €283k
Debt > 1 year
€83k▼
2024 · €96k
Income taxes
€25k▲
2024 · €14k
Staff costs
€213k▲
2024 · €187k
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€468k€532k▲
Fixed assets21/28€139k€120k▼
Tangible fixed assets22/27€139k€120k▼
Land and buildings22€65k€59k▼
Plant, machinery and equipment23€39k€37k▼
Furniture and vehicles24€35k€24k▼
Current assets29/58€329k€412k▲
Stocks and contracts in progress3€60k€78k▲
Stocks30/36€60k€78k▲
Amounts receivable within one year40/41€85k€98k▲
Trade receivables40€57k€71k▲
Other amounts receivable41€28k€27k▼
Cash at bank and in hand54/58€179k€236k▲
Deferred charges and accrued income490/1€6k€335▼
Equity and liabilities
Total equity and liabilities10/49€468k€532k▲
Equity10/15€89k€153k▲
Contributions10/11€19k€19k=
Reserves13€71k€134k▲
Distributable reserves133€71k€134k▲
Amounts payable17/49€379k€379k▼
Amounts payable after more than one year17€96k€83k▼
Financial debts170/4€96k€83k▼
Amounts payable within one year42/48€283k€296k▲
Current portion of amounts payable after more than one year42€18k€15k▼
Trade debts44€101k€112k▲
Suppliers440/4€101k€112k▲
Advances received on contracts in progress46€9k€10k▲
Taxes, remuneration and social security45€51k€69k▲
Taxes450/3€26k€45k▲
Remuneration and social security454/9€25k€24k▼
Other amounts payable47/48€104k€89k▼
Income statement
Code20242025
Remuneration, social security and pensions62€187k€213k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€35k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€4k€10k▲
Other operating charges640/8€2k€824▼
Non-recurring operating charges66A€7k-
Gross operating margin9900€328k€362k▲
Operating profit (loss)9901€96k€104k▲
Financial income75/76B€245€441▲
Recurring financial income75€245€441▲
Financial charges65/66B€11k€15k▲
Recurring financial charges65€11k€15k▲
Profit (loss) for the period before taxes9903€86k€89k▲
Income taxes67/77€14k€25k▲
Profit (loss) for the period9904€72k€64k▼
Profit (loss) for the period to be appropriated9905€72k€64k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€64k▼
Transfer to equity691/2€740€64k▲
To other reserves6921€740€64k▲
Profit to be distributed694/7€71k-
Return on contributions (dividend)694€64k-
Directors or managers695€7k-
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €153k ▲71.4%
3 profitable years in a row build equity to €153k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €72k ▲328%
Net result €72k, the highest in the series.
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-44k ▼320%
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €116k ▲20.9%
4 profitable years in a row build equity to €116k.
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 39 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
17-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 78 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Comblain-au-Pont · 1 establishment unit since 2015
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.
Rue d'Aywaille 194170 Comblain-au-PontGround area
1,470 m²
Building footprint
216 m²
Volume, LiDAR
1,277 m³
2 parcels, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CANTIL
since 20152.239.724.159
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62026E0315/00F003 | Wallonia | 1,192 m² | 1 · 114 m² | - |
| 62009A1087/00E000 | Wallonia | 278 m² | 1 · 102 m² | 14.7 m · 4 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
Food safety, FASFC
1 siteAywaille2.239.724.159
Similar companies · same sector, comparable size
DAN & MAN
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WENDA
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Diest · Eq €152k
DEN AREND
BE 0451.926.265
Roeselare · Eq €153k
D'AGOSTINO
BE 0426.419.819
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De Nachtegaal
BE 0413.945.817
Antwerpen · Eq €153k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,347 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2015
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56301Cafés and bars
68121Development of residential building projects
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.