Vintners is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.60M and a net result of €1.68M. Its solvency ranks better than 36% of 1471 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 24-07-2026, 7 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€2.60M
Net result
€1.68M
Total assets
€9.91M
Solvency
26.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €9.91M
Fixed assets
€9.76M
Current assets
€148k
Equity and liabilities €9.91M
Equity
€2.60M
Debt
€7.31M
Debt finances 73.8% of the balance-sheet total.
Key figures and ratios
Solvency
26.2%
ROE
64.4%
ROA
16.9%
Debt
€7.31M
Debt ≤ 1 year
€840k
Debt > 1 year
€6.43M
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€9.91M
Fixed assets21/28€9.76M
Financial fixed assets28€9.76M
Current assets29/58€148k
Amounts receivable within one year40/41€110k
Trade receivables40€49k
Other amounts receivable41€61k
Cash at bank and in hand54/58€35k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€9.91M
Equity10/15€2.60M
Contributions10/11€925k
Reserves13€1.68M
Distributable reserves133€1.68M
Profit (loss) carried forward14€347
Amounts payable17/49€7.31M
Amounts payable after more than one year17€6.43M
Financial debts170/4€6.43M
Amounts payable within one year42/48€840k
Current portion of amounts payable after more than one year42€790k
Trade debts44€50k
Suppliers440/4€50k
Accrued charges and deferred income492/3€45k
Income statement
Code2025
Other operating charges640/8€120
Gross operating margin9900€407k
Operating profit (loss)9901€407k
Financial income75/76B€1.70M
Recurring financial income75€1.70M
Financial charges65/66B€429k
Recurring financial charges65€429k
Profit (loss) for the period before taxes9903€1.68M
Profit (loss) for the period9904€1.68M
Profit (loss) for the period to be appropriated9905€1.68M
Appropriation of the result
Profit (loss) to be appropriated9906€1.68M
Transfer to equity691/2€1.68M
To other reserves6921€1.68M
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2024
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.
Generaal Van Merlenstraat 162600 AntwerpenGround area
149 m²
Building footprint
107 m²
Volume, LiDAR
1,130 m³
Parcel 11302D1290/00D013, Flanders · tallest building 16.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Vintners
since 20242.362.775.290
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302D1290/00D013 | Flanders | 149 m² | 1 · 107 m² | 16.7 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 194 EUR awarded · 194 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 194 EUR | 194 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 591 companies in sector 66300 we hold annual accounts for 365. 167 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2024
Fiscal year end31-12
Activities, NACEBEL
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.