SI MON VIN
ActiveSI MON VIN has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-57k) and a net result of €411. Equity is shrinking by ~55.4% per year across the filed fiscal years. Its solvency ranks better than 7% of 11282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+35
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.32 against 0.28 in 2024; short-term debt: 289.7% and cash: 0.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-189.7%
Return on assets
1.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 11282 sector peers (2025).
NBB · sector comparisonPosition among 11282 sector peers
Solvency
better than 7%
← weakest
strongest →
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
30 d late
2023
61 d late
2021
23 d late
2020
80 d late
2019
31 d late
2018
on the day
← 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
€411
2024 · €-13k
2018: €3k
2019: €-16k
2020: €-21k
2021: €-2k
2023: €-14k
2024: €-13k
2018 → 2025
Working capital
€-59k▲ 0.7%
2024 · €-59k
2018: €19k
2019: €-2k
2020: €-23k
2021: €-26k
2023: €-51k
2024: €-59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€-19k-€-21k▼ 11.2%€-44k▼ 109%€-57k▼ 29.3%€-57k▲ 0.7%
Operating result€-17k-€921€-12k€-7k▲ 38.6%€3k
Net result€-21k-€-2k▲ 90.1%€-14k▼ 569%€-13k▲ 9.0%€411
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €7k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€2k▼ 1.5%
Current assets
€28k▲ 20.8%
Key figures and ratios
EBITDA
€5k▲
2024 · €-2k
Cash flow
€2k▲
2024 · €-8k
Solvency
-189.7%▲
2024 · -227.1%
Current ratio
0.32▲
2024 · 0.28
Quick ratio
0.11▲
2024 · 0.04
Debt / equity
-1.53▼
2024 · -1.44
ROA
1.4%▲
2024 · -51.5%
Interest coverage
1.78▲
2024 · -0.40
Debt
€86k▲
2024 · €82k
Debt ≤ 1 year
€86k▲
2024 · €82k
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€25k€30k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Land and buildings22-€2k
Furniture and vehicles24€643€306▼
Leasing and similar rights25€2k€0▼
Current assets29/58€23k€28k▲
Stocks and contracts in progress3€20k€18k▼
Stocks30/36€20k€18k▼
Amounts receivable within one year40/41€3k€9k▲
Trade receivables40€3k€9k▲
Cash at bank and in hand54/58€76€270▲
Equity and liabilities
Total equity and liabilities10/49€25k€30k▲
Equity10/15€-57k€-57k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-65k€-65k▲
Amounts payable17/49€82k€86k▲
Amounts payable within one year42/48€82k€86k▲
Financial debts43€18k€23k▲
Credit institutions430/8€18k€23k▲
Trade debts44€19k€13k▼
Suppliers440/4€19k€13k▼
Taxes, remuneration and social security45€488€1k▲
Taxes450/3€488€1k▲
Other amounts payable47/48€44k€50k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€170€128▼
Gross operating margin9900€-2k€5k▲
Operating profit (loss)9901€-7k€3k▲
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€-13k€411▲
Income taxes67/77€128-
Profit (loss) for the period9904€-13k€411▲
Profit (loss) for the period to be appropriated9905€-13k€411▲
Appropriation of the result
Profit (loss) to be appropriated9906€-65k€-65k▲
Profit (loss) brought forward from the previous period14P€-52k€-65k▼
The notes to these accounts (5 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
Back to profitnet €411
Net result €411 after 5 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
19-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 80 days late
2020
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 99 days late
23-01
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 176 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beauvechain
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 de Guertechin,H.-M. 111320 BeauvechainGround area
2,438 m²
Building footprint
171 m²
Volume, LiDAR
830 m³
Parcel 25038C0325/00V000, Wallonia · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25038C0325/00V000 | Wallonia | 2,438 m² | 1 · 170 m² | 6.5 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.
Similar companies · same sector, comparable size
FABRY FOOD
BE 0665.971.910
Wavre · Eq €3k
GLOUGLOU POUETPOUET
BE 0767.781.625
Schaarbeek · Eq €3k
WINES WITH PASSION
BE 0567.983.104
Tremelo · Eq €2k
Gallico
BE 0666.524.315
Turnhout · Eq €2k
CONCEPT VINS
BE 0500.867.814
Waterloo · Eq €2k
Of 1,050 companies in sector 46341 we hold annual accounts for 534. 134 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-04-2011
Fiscal year end31-12
Activities, NACEBEL
46341Wholesale of wines and spirits
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.