WinAndGrow
ActiveSummary
The annual accounts of WinAndGrow for fiscal year 2025 show a net loss of 96% of the equity at the start of that year. The 2025 annual accounts show equity of €1k and a net result of €-34k. Its solvency ranks better than 10% of 31791 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency26▼-41
Growth32
Track record82
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.68 against 1.86 in 2024; short-term debt: 29.1% and cash: 18.9% of total assets), and 99% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 2025Solvency, return and age of the figures
Solvency
1%
Return on assets
-27.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31791 sector peers (2025).
NBB · sector comparisonPosition among 31791 sector peers
Solvency
better than 10%
← weakest
strongest →
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 20-01-2026, 192 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
192 d early
2024
162 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 96.5%
2024 · €35k
2024: €35k
2025: €1k▼ -96.5% vs 2024
2024 → 2025
Total assets
€125k▲ 50.3%
2024 · €83k
2024: €83k
2025: €125k▲ +50.3% vs 2024
2024 → 2025
Net result
€-34k
2024 · €36k
2024: €36k
2025: €-34k▼ -194% vs 2024
2024 → 2025
Working capital
€-12k
2024 · €27k
2024: €27k
2025: €-12k▼ -143% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€35k-€1k▼ 96.5%
2024: €35k
2025: €1k▼ -96.5% vs 2024
Operating result€51k-€-6k
2024: €51k
2025: €-6k▼ -113% vs 2024
Net result€36k-€-34k
2024: €36k
2025: €-34k▼ -194% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €51k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€100k ▲ 300%
Current assets
€25k ▼ 57.3%
Equity and liabilities €125k
Equity
€1k ▼ 96.5%
Debt
€124k ▲ 158%
Debt's share of the balance-sheet total rises from 57.7% to 99.0%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
0.68▼
2024 · 1.86
ROA
-27.2%▼
2024 · 43.3%
Debt ≤ 1 year
€36k▲
2024 · €31k
Debt > 1 year
€85k▲
2024 · €17k
Income taxes
€360▼
2024 · €15k
A ratio outside any meaningful range has been withheld (balance sheet total €125k, equity €1k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€83k€125k▲
Fixed assets21/28€25k€100k▲
Financial fixed assets28€25k€100k▲
Current assets29/58€58k€25k▼
Amounts receivable within one year40/41€16k€865▼
Trade receivables40€16k€0▼
Other amounts receivable41€0€865▲
Cash at bank and in hand54/58€42k€24k▼
Deferred charges and accrued income490/1-€380
Equity and liabilities
Total equity and liabilities10/49€83k€125k▲
Equity10/15€35k€1k▼
Contributions10/11€1€1=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14-€-34k
Amounts payable17/49€48k€124k▲
Amounts payable after more than one year17€17k€85k▲
Financial debts170/4€17k€85k▲
Amounts payable within one year42/48€31k€36k▲
Current portion of amounts payable after more than one year42€6k€18k▲
Trade debts44€1k€33▼
Suppliers440/4€1k€33▼
Taxes, remuneration and social security45€22k€18k▼
Taxes450/3€22k€18k▼
Other amounts payable47/48€2k€351▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Other operating charges640/8€578€45k▲
Gross operating margin9900€51k€39k▼
Operating profit (loss)9901€51k€-6k▼
Financial income75/76B€887€579▼
Recurring financial income75€887€579▼
Financial charges65/66B€776€28k▲
Recurring financial charges65€776€28k▲
Profit (loss) for the period before taxes9903€51k€-34k▼
Income taxes67/77€15k€360▼
Profit (loss) for the period9904€36k€-34k▼
Profit (loss) for the period to be appropriated9905€36k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€-34k▼
Transfer to equity691/2€35k-
To other reserves6921€35k-
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €578 | €45k | ▲ 7,687% |
| Gross operating margin9900 | €51k | €39k | ▼ 24.6% |
| Operating profit (loss)9901 | €51k | €-6k | ▼ 113% |
| Financial income75/76B | €887 | €579 | ▼ 34.8% |
| Recurring financial income75 | €887 | €579 | ▼ 34.8% |
| Financial charges65/66B | €776 | €28k | ▲ 3,458% |
| Recurring financial charges65 | €776 | €28k | ▲ 3,458% |
| Profit (loss) for the period before taxes9903 | €51k | €-34k | ▼ 166% |
| Income taxes67/77 | €15k | €360 | ▼ 97.6% |
| Profit (loss) for the period9904 | €36k | €-34k | ▼ 194% |
| Profit (loss) for the period to be appropriated9905 | €36k | €-34k | ▼ 194% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €83k | €125k | ▲ 50.3% |
| Fixed assets21/28 | €25k | €100k | ▲ 300% |
| Financial fixed assets28 | €25k | €100k | ▲ 300% |
| Current assets29/58 | €58k | €25k | ▼ 57.3% |
| Amounts receivable within one year40/41 | €16k | €865 | ▼ 94.5% |
| Trade receivables40 | €16k | €0 | ▼ 100% |
| Other amounts receivable41 | €0 | €865 | - |
| Cash at bank and in hand54/58 | €42k | €24k | ▼ 44.4% |
| Deferred charges and accrued income490/1 | - | €380 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €83k | €125k | ▲ 50.3% |
| Equity10/15 | €35k | €1k | ▼ 96.5% |
| Contributions10/11 | €1 | €1 | = |
| Reserves13 | €35k | €35k | = |
| Distributable reserves133 | €35k | €35k | = |
| Profit (loss) carried forward14 | - | €-34k | - |
| Amounts payable17/49 | €48k | €124k | ▲ 158% |
| Amounts payable after more than one year17 | €17k | €85k | ▲ 411% |
| Financial debts170/4 | €17k | €85k | ▲ 411% |
| Amounts payable within one year42/48 | €31k | €36k | ▲ 16.5% |
| Current portion of amounts payable after more than one year42 | €6k | €18k | ▲ 213% |
| Trade debts44 | €1k | €33 | ▼ 97.2% |
| Suppliers440/4 | €1k | €33 | ▼ 97.2% |
| Taxes, remuneration and social security45 | €22k | €18k | ▼ 20.4% |
| Taxes450/3 | €22k | €18k | ▼ 20.4% |
| Other amounts payable47/48 | €2k | €351 | ▼ 83.0% |
| Accrued charges and deferred income492/3 | - | €2k | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €36k | €-34k | ▼ 194% |
| Operating cash flow (approximation) | €36k | €-34k | ▼ 194% |
| Investment in fixed assets (approximation) | - | €-75k | - |
| Change in cash | - | €-19k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Namur · 1 establishment unit since 2024
Ground area
1,679 m²
Building footprint
129 m²
Volume, LiDAR
685 m³
Parcel 92083B0515/00F000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WinAndGrow
since 20242.357.647.455
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92083B0515/00F000 | Wallonia | 1,679 m² | 1 · 129 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 5,652 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-03-2024
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
72101Research and development on biotechnology
Contact
E-mail
juliewinand@hotmail.comNamur
Phone
0475467958Namur
Scores and ratios are computed by Checked and are not a credit decision.