Summary
WINDO BG 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 €3.7m and a net result of €43,754. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 63% of 5593 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-01-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
11 d early
2023
6 d early
2022
4 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 26 January (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#2 company by equity in Wuustwezel, Finance and insurance sector#4 company by total assets in Wuustwezel, Finance and insurance sector
Equity
€3.7m▲ 0.9%
2024 · €3.7m
Net result
€43,754▼ 97.0%
2024 · €1.5m
Total assets
€5.6m▼ 0.7%
2024 · €5.7m
Solvency
65.8%▲ 1.0pp
2024 · 64.8%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Turnover€232,284-€288,688▲ 24.3%
Operating result€33,460-€27,819▼ 16.9%€24,263▼ 12.8%€29,401▲ 21.2%
Net result€17,613within the sector's middle half-€15,703within the sector's middle half▼ 10.8%€1.5mabove the sector's middle half▲ 9,288%€43,754within the sector's middle half▼ 97.0%
Equity€2.2mwithin the sector's middle half-€2.2mwithin the sector's middle half▲ 0.3%€3.7mabove the sector's middle half▲ 66.3%€3.7mabove the sector's middle half▲ 0.9%
Total assets€5.6mwithin the sector's middle half-€5.7mwithin the sector's middle half▲ 1.4%€5.7mabove the sector's middle half▼ 0.4%€5.6mabove the sector's middle half▼ 0.7%
Debt€3.4m-€3.5m▲ 2.1%€2.0m▼ 42.7%€1.9m▼ 3.6%
Working capital-€1.5mbelow the sector's middle half--€1.6mbelow the sector's middle half▼ 1.6%-€1.1mbelow the sector's middle half▲ 28.9%-€1.1mbelow the sector's middle half▲ 3.1%
Solvency39.2%within the sector's middle half-38.8%within the sector's middle half▼ 0.4pp64.8%within the sector's middle half▲ 26.0pp65.8%within the sector's middle half▲ 1.0pp
Current ratio0.36within the sector's middle half-0.36within the sector's middle half▲ 0.010.44within the sector's middle half▲ 0.070.44within the sector's middle half=
Return on assets (ROA)0.3%within the sector's middle half-0.3%within the sector's middle half=26.0%above the sector's middle half▲ 25.7pp0.8%within the sector's middle half▼ 25.2pp
Staff (FTE)3.2within the sector's middle half-3within the sector's middle half▼ 6.3%3above the sector's middle half=3above the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2024 Net result +9,288% on 2023. The accounts now follow the abbreviated schema, last year the full schema.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.6m
Fixed assets
€4.8m =
Current assets
€840,611 ▼ 4.2%
Equity and liabilities €5.6m
Equity
€3.7m ▲ 0.9%
Debt
€1.9m ▼ 3.6%
Debt's share of the balance-sheet total falls from 35.2% to 34.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.2%▼
2024 · 40.1%
Debt ≤ 1 year
€1.9m▼
2024 · €2.0m
Income taxes
€6,453▼
2024 · €149,503
Staff costs
€238,824▲
2024 · €236,816
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Operating income70/76A | €259,424 | €304,686 | - | - | - |
| Turnover70 | €232,284 | €288,688 | - | - | - |
| Other operating income74 | €13,289 | €15,499 | - | - | - |
| Non-recurring operating income76A | €13,850 | €500 | - | - | - |
| Operating charges60/66A | €225,963 | €276,867 | - | - | - |
| Services and other goods61 | €46,632 | €53,965 | - | - | - |
| Remuneration, social security and pensions62 | €167,915 | €221,801 | €236,816 | €238,824 | ▲ 0.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,945 | €582 | - | - | - |
| Other operating charges640/8 | €176 | €519 | €502 | €1,088 | ▲ 116% |
| Non-recurring operating charges66A | €4,295 | - | - | - | - |
| Gross operating margin9900 | - | - | €261,581 | €269,313 | ▲ 3.0% |
| Operating profit (loss)9901 | €33,460 | €27,819 | €24,263 | €29,401 | ▲ 21.2% |
| Financial income75/76B | €1 | €132 | €1.7m | €81,406 | ▼ 95.1% |
| Recurring financial income75 | €1 | €132 | €1.7m | €81,406 | ▼ 95.1% |
| Other financial income752/9 | €1 | €132 | - | - | - |
| Financial charges65/66B | €12,657 | €3,983 | €66,699 | €60,601 | ▼ 9.1% |
| Recurring financial charges65 | €12,657 | €3,983 | €66,699 | €60,601 | ▼ 9.1% |
| Debt charges650 | - | €3,673 | - | - | - |
| Other financial charges652/9 | €12,657 | €310 | - | - | - |
| Profit (loss) for the period before taxes9903 | €20,804 | €23,969 | €1.6m | €50,207 | ▼ 96.9% |
| Income taxes67/77 | €3,190 | €8,265 | €149,503 | €6,453 | ▼ 95.7% |
| Taxes670/3 | €3,190 | €8,265 | - | - | - |
| Profit (loss) for the period9904 | €17,613 | €15,703 | €1.5m | €43,754 | ▼ 97.0% |
| Profit (loss) for the period to be appropriated9905 | €17,613 | €15,703 | €1.5m | €43,754 | ▼ 97.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €5.6m | €5.7m | €5.7m | €5.6m | ▼ 0.7% |
| Fixed assets21/28 | €4.8m | €4.8m | €4.8m | €4.8m | = |
| Tangible fixed assets22/27 | €13,119 | - | - | - | - |
| Furniture and vehicles24 | €13,119 | - | - | - | - |
| Financial fixed assets28 | €4.7m | €4.8m | €4.8m | €4.8m | = |
| Companies linked by participating interests282/3 | €4.7m | €4.8m | - | - | - |
| Participating interests282 | €4.7m | €4.8m | - | - | - |
| Current assets29/58 | €854,377 | €902,988 | €877,626 | €840,611 | ▼ 4.2% |
| Amounts receivable within one year40/41 | €334,798 | €100,772 | €184,334 | €78,044 | ▼ 57.7% |
| Trade receivables40 | €270,212 | €43,928 | €140,753 | €67,611 | ▼ 52.0% |
| Other amounts receivable41 | €64,586 | €56,844 | €43,581 | €10,433 | ▼ 76.1% |
| Current investments50/53 | - | - | €650,000 | - | - |
| Cash at bank and in hand54/58 | €510,922 | €801,308 | €40,227 | €761,563 | ▲ 1,793% |
| Deferred charges and accrued income490/1 | €8,657 | €908 | €3,065 | €1,004 | ▼ 67.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €5.6m | €5.7m | €5.7m | €5.6m | ▼ 0.7% |
| Equity10/15 | €2.2m | €2.2m | €3.7m | €3.7m | ▲ 0.9% |
| Contributions10/11 | €393,188 | €393,188 | €393,188 | €393,188 | = |
| Reserves13 | €1.8m | €1.8m | €3.3m | €3.3m | ▲ 1.1% |
| Distributable reserves133 | €1.8m | €1.8m | €3.3m | €3.3m | ▲ 1.1% |
| Amounts payable17/49 | €3.4m | €3.5m | €2.0m | €1.9m | ▼ 3.6% |
| Amounts payable after more than one year17 | €1.0m | €1.0m | - | - | - |
| Financial debts170/4 | €1.0m | €1.0m | - | - | - |
| Other loans174 | €1.0m | €1.0m | - | - | - |
| Amounts payable within one year42/48 | €2.4m | €2.5m | €2.0m | €1.9m | ▼ 3.6% |
| Current portion of amounts payable after more than one year42 | €1.0m | €1.0m | - | - | - |
| Trade debts44 | €19,833 | €25,971 | €33,007 | €30,625 | ▼ 7.2% |
| Suppliers440/4 | €19,833 | €25,971 | €33,007 | €30,625 | ▼ 7.2% |
| Taxes, remuneration and social security45 | €60,746 | €79,981 | €202,685 | €75,354 | ▼ 62.8% |
| Taxes450/3 | €12,011 | €26,775 | €151,976 | €22,958 | ▼ 84.9% |
| Remuneration and social security454/9 | €48,736 | €53,206 | €50,708 | €52,397 | ▲ 3.3% |
| Other amounts payable47/48 | €1.3m | €1.4m | €1.8m | €1.8m | ▲ 3.3% |
| Accrued charges and deferred income492/3 | - | - | €636 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,613 | €15,703 | €1.5m | €43,754 | ▼ 97.0% |
| + Depreciation and write-downs630 | €6,945 | €582 | - | - | - |
| Operating cash flow (approximation) | €24,558 | €16,286 | €1.5m | €43,754 | ▼ 97.0% |
| Investment in fixed assets (approximation) | - | -€31,747 | €0 | €0 | - |
| Change in cash | - | €290,386 | -€761,081 | €721,336 | ▲ 195% |
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2022net €1.5m ▲9,288%
Net result €1.5m, the highest in the series.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Weakest financial yearnet €15,703 ▼10.8%
Net result drops to €15,703, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wuustwezel · 1 establishment unit since 2022
Ground area
1.1 ha
Building footprint
609 m²
Volume, LiDAR
198 m³
Parcel 11053C0193/00D000, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
WINDO BG
since 20222.331.896.727
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11053C0193/00D000 | Flanders | 1.1 ha | 1 · 609 m² | 8.5 m · 1 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.
Structure & network
Owners and holdings
3 holdingsOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 3
-
50%
-
50%
-
26%
According to the annual accounts to 30-06-2025 of WINDO BG and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 9,073 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
Founded28-04-2022
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
43320Joinery installation
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0785935372
Also
9925:BE0785935372
Registered
13-02-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.