Summary
WINDOFIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €22,938 and a net result of €10,086. Equity is growing by ~45.5% per year across the filed fiscal years. Its solvency ranks better than 13% of 3320 sector peers (fiscal year 2024). The company has been active since 2009 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 3320 sector peers (2024).
NBB · sector comparisonPosition among 3320 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
9 d early
2022
20 d early
2021
6 d early
2020
31 d late
2019
34 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average on the deadline day; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€22,938▲ 78.5%
2023 · €12,852
Net result
€10,086▲ 195%
2023 · €3,422
Total assets
€316,679▼ 9.2%
2023 · €348,952
Solvency
7.2%▲ 3.6pp
2023 · 3.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€14,975€15,047€12,665▼ 15.8%€9,081▼ 28.3%€17,270▲ 90.2%
Net result-€20,451below the sector's middle half€9,925within the sector's middle half€6,799within the sector's middle half▼ 31.5%€3,422within the sector's middle half▼ 49.7%€10,086within the sector's middle half▲ 195%
Equity-€7,296below the sector's middle half€2,630below the sector's middle half€9,429below the sector's middle half▲ 259%€12,852below the sector's middle half▲ 36.3%€22,938below the sector's middle half▲ 78.5%
Total assets€449,269within the sector's middle half▼ 22.2%€418,239within the sector's middle half▼ 6.9%€378,143within the sector's middle half▼ 9.6%€348,952within the sector's middle half▼ 7.7%€316,679within the sector's middle half▼ 9.2%
Debt€456,565▼ 19.0%€415,609▼ 9.0%€368,714▼ 11.3%€336,101▼ 8.8%€293,741▼ 12.6%
Working capital-€163,982▼ 10.5%-€151,155▲ 7.8%-€145,932▲ 3.5%-€146,948▼ 0.7%-€140,295▲ 4.5%
Solvency-1.6%below the sector's middle half▼ 3.9pp0.6%below the sector's middle half▲ 2.3pp2.5%below the sector's middle half▲ 1.9pp3.7%below the sector's middle half▲ 1.2pp7.2%below the sector's middle half▲ 3.6pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 90% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €316,679
Fixed assets
€308,191 ▼ 9.4%
Current assets
€8,488 ▼ 3.6%
Equity and liabilities €316,679
Equity
€22,938 ▲ 78.5%
Debt
€293,741 ▼ 12.6%
Debt's share of the balance-sheet total falls from 96.3% to 92.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
44.0%▲
2023 · 26.6%
ROA
3.2%▲
2023 · 1.0%
Debt ≤ 1 year
€148,782▼
2023 · €155,749
Debt > 1 year
€144,159▼
2023 · €179,597
Income taxes
€4,795▲
2023 · €1,911
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €2,500 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €41,868 | €41,987 | €31,960 | €31,960 | €31,960 | = |
| Other operating charges640/8 | - | €5,024 | €4,791 | €5,030 | €5,195 | ▲ 3.3% |
| Gross operating margin9900 | €31,835 | €62,058 | €49,416 | €46,071 | €54,425 | ▲ 18.1% |
| Operating profit (loss)9901 | -€14,975 | €15,047 | €12,665 | €9,081 | €17,270 | ▲ 90.2% |
| Financial income75/76B | - | €255 | €409 | €99 | €901 | ▲ 810% |
| Recurring financial income75 | €286 | €255 | €409 | €99 | €901 | ▲ 810% |
| Financial charges65/66B | - | €5,042 | €4,342 | €3,846 | €3,290 | ▼ 14.5% |
| Recurring financial charges65 | €5,460 | €5,042 | €4,342 | €3,846 | €3,290 | ▼ 14.5% |
| Profit (loss) for the period before taxes9903 | -€20,149 | €10,260 | €8,732 | €5,333 | €14,881 | ▲ 179% |
| Income taxes67/77 | €302 | €335 | €1,932 | €1,911 | €4,795 | ▲ 151% |
| Profit (loss) for the period9904 | -€20,451 | €9,925 | €6,799 | €3,422 | €10,086 | ▲ 195% |
| Profit (loss) for the period to be appropriated9905 | -€20,451 | €9,925 | €6,799 | €3,422 | €10,086 | ▲ 195% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €449,269 | €418,239 | €378,143 | €348,952 | €316,679 | ▼ 9.2% |
| Fixed assets21/28 | €444,206 | €404,072 | €372,112 | €340,151 | €308,191 | ▼ 9.4% |
| Tangible fixed assets22/27 | €444,206 | €404,072 | €372,112 | €340,151 | €308,191 | ▼ 9.4% |
| Land and buildings22 | - | €402,337 | €370,562 | €338,787 | €307,012 | ▼ 9.4% |
| Plant, machinery and equipment23 | - | €0 | - | - | - | - |
| Furniture and vehicles24 | - | €0 | - | - | - | - |
| Other tangible fixed assets26 | - | €1,735 | €1,550 | €1,364 | €1,179 | ▼ 13.6% |
| Current assets29/58 | €5,063 | €14,167 | €6,031 | €8,801 | €8,488 | ▼ 3.6% |
| Amounts receivable within one year40/41 | €2,699 | €5,866 | €3,694 | €3,633 | €4,891 | ▲ 34.6% |
| Trade receivables40 | - | €2,685 | €265 | €258 | €679 | ▲ 163% |
| Other amounts receivable41 | - | €3,181 | €3,429 | €3,375 | €4,213 | ▲ 24.8% |
| Cash at bank and in hand54/58 | €0 | €5,825 | €132 | €2,266 | €1,221 | ▼ 46.1% |
| Deferred charges and accrued income490/1 | - | €2,476 | €2,205 | €2,902 | €2,375 | ▼ 18.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €449,269 | €418,239 | €378,143 | €348,952 | €316,679 | ▼ 9.2% |
| Equity10/15 | -€7,296 | €2,630 | €9,429 | €12,852 | €22,938 | ▲ 78.5% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €101 | €101 | €101 | €101 | €101 | = |
| Non-distributable reserves130/1 | - | €101 | €101 | €0 | - | - |
| Reserves not available under the articles1311 | - | €101 | €101 | €0 | - | - |
| Distributable reserves133 | - | - | - | €101 | €101 | = |
| Profit (loss) carried forward14 | -€25,997 | -€16,071 | -€9,272 | -€5,850 | €4,237 | ▲ 172% |
| Amounts payable17/49 | €456,565 | €415,609 | €368,714 | €336,101 | €293,741 | ▼ 12.6% |
| Amounts payable after more than one year17 | €286,094 | €248,862 | €214,496 | €179,597 | €144,159 | ▼ 19.7% |
| Financial debts170/4 | - | €248,862 | €214,496 | €179,597 | €144,159 | ▼ 19.7% |
| Amounts payable within one year42/48 | €169,046 | €165,322 | €151,963 | €155,749 | €148,782 | ▼ 4.5% |
| Current portion of amounts payable after more than one year42 | - | €37,232 | €34,367 | €34,899 | €35,438 | ▲ 1.5% |
| Financial debts43 | - | €0 | - | - | - | - |
| Credit institutions430/8 | - | €0 | - | - | - | - |
| Trade debts44 | - | - | €427 | €4,842 | €2,158 | ▼ 55.4% |
| Suppliers440/4 | - | - | €427 | €4,842 | €2,158 | ▼ 55.4% |
| Advances received on contracts in progress46 | - | €4,545 | €3,065 | €3,973 | €8,714 | ▲ 119% |
| Taxes, remuneration and social security45 | - | €1,636 | €3,267 | €2,911 | €6,206 | ▲ 113% |
| Taxes450/3 | - | €1,636 | €3,267 | €2,911 | €6,206 | ▲ 113% |
| Other amounts payable47/48 | - | €121,909 | €110,837 | €109,124 | €96,265 | ▼ 11.8% |
| Accrued charges and deferred income492/3 | - | €1,425 | €2,255 | €755 | €800 | ▲ 6.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€20,451 | €9,925 | €6,799 | €3,422 | €10,086 | ▲ 195% |
| + Depreciation and write-downs630 | €41,868 | €41,987 | €31,960 | €31,960 | €31,960 | = |
| Operating cash flow (approximation) | €21,417 | €51,913 | €38,760 | €35,383 | €42,047 | ▲ 18.8% |
| Investment in fixed assets (approximation) | - | -€1,854 | €0 | €0 | €0 | - |
| Change in cash | - | €5,825 | -€5,692 | €2,134 | -€1,045 | ▼ 149% |
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
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €9,925
Net result €9,925 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet -€20,451
Net result drops to -€20,451, the lowest in the series; recovery starts the following year.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
31-12
Financial
Back to profitnet €27,095
Net result €27,095 after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Oosterzele · 2 establishment units since 2009
Ground area
3,420 m²
Building footprint
410 m²
Volume, LiDAR
3,902 m³
2 parcels, Flanders · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
Zakenkantoor Van der Eecken -De Praeter
since 20092.182.219.688
Zakenkantoor Van der Eecken -De Praeter
since 20092.182.219.886
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44059A0306/00S000 | Flanders | 2,848 m² | 1 · 297 m² | 14.1 m · 3 fl. |
| 44059B1047/00L002 | Flanders | 571 m² | 1 · 113 m² | 12.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 882 EUR awarded · 933 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 299 EUR | 299 EUR |
| 2024 | 1 | 0 EUR | 50 EUR |
| 2023 | 1 | 180 EUR | 227 EUR |
| 2022 | 1 | 403 EUR | 357 EUR |
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Of 1,507 companies in sector 66199 we hold annual accounts for 921. 448 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
Founded21-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0819930112
Also
9925:BE0819930112
Registered
22-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.