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WINDIAM

Active
Public limited companyfounded 199135 years activeHoveniersstraat 53, 2018 Antwerpen, BelgiumKBO/BCE: BE 0444.250.793
Summary

WINDIAM has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16.4m and a net result of €529,228. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 60% of 6,033 sector peers (NACE 46, fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Wholesale of diamonds and other precious stones
NACE 46861Wholesale trade NACE 46480
1 site
Size
€106.0mturnover 2025
Staff
17.3 FTE
Equity
€16.4m
Profit
€529,228
Financial health
90 Excellent Checked score 2025
Bankruptcy probability, 12 months
0.1%
Structure
Accounts 4 days early4 of 17 deeds read
Why 90- Liquidity: current ratio 2.19, cash €295,955+ Founded in 1991+ Equity €16.4m (54.6% of total assets)+ Legal form Public limited companyShow the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 33% of its sector peers (NACE 46, small)
Financial strength · tick = 2024
Average
Solvency 80+2
equity 54.6% of total assets
Liquidity 29+2
short-term debt 45.4% · cash 1.0%
Profitability 46-16
return on assets 1.8%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (4,377 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.2%▲ +0.1 percentage points vs 12-2024highest value 02-2025: 0.1%▼ -0.1 percentage points vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025lowest value 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026
Credit up to €1,450,000 at 30 days acceptable
Liquidity ample (current ratio 2.19 against 2.12 in 2024; short-term debt: 45.4% and cash: 1% of total assets), and 45.4% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, small): better than 64% on solvency, 29% on liquidity, 30% on profitability and 11% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
lowers risk · Founded in 1991
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 2.19, cash €295,955
NBB · annual accounts
lowers risk · Equity €16.4m (54.6% of total assets)
NBB · annual accounts
lowers risk · Legal form Public limited company
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
4 days early
2024
11 days early
2023
31 days early
2022
39 days early
2021
39 days early
2020
96 days early
2019
10 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 33 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close07-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Capital & shares · RestructuringIncorporation · Merger · Shareholding
  2. Capital & shares · RestructuringIncorporation · Merger · Shareholding
  3. RestructuringDeclaration · Power of attorney

Key points

  • Caution: Result fell in 2025from €2.6m to €529,228 ▼ 79.4% View
  • Positive: Among the best 10% on equitysector median €1.6m · 5,972 companies €16.4m View
  • 2 restructurings since 2026latest: merger with MALAY GEMS 2 View
  • Positive: Always filed on timeaccounts within the deadline every year 7 years View
  • Positive: 7 profitable years in a rowprofit 2025: €529,228 7 years View

By topic

Financials

Fiscal year
2025
Turnover
€106.0m
Profit
€529,228
Solvency
54.6%
Turnover▼ 21.3%
Net result
20192025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-01-2027
  1. 27-01-2026Annual accounts filed
  2. 20-01-2026Restructuring
  3. 30-06-2025Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Wholesale of diamonds and other precious stonesNACE 46861
Founded
30-05-1991
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
2
Purpose
Bewerken en doen bewerken, de handel, de in-en uitvoer, het in consignatie geven en nemen…
Go to Articles of association

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