Windows Punt
ActiveThe computed 12-month bankruptcy probability of Windows Punt is 2.0% (moderate). The 2024 annual accounts show equity of €116k and a net result of €13k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 94% of 9980 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
100
/ 100
Excellent▲ +35 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability54▲+54
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 7.94 against 3.28 in 2023), and 11.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
6 d early
2022
6 d early
2021
11 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€116k▲ 12.1%
2023 · €104k
2021: €79k
2022: €110k
2023: €104k
2021 → 2024
Total assets
€131k▼ 10.7%
2023 · €147k
2021: €182k
2022: €169k
2023: €147k
2021 → 2024
Net result
€13k
2023 · €-7k
2021: €74k
2022: €31k
2023: €-7k
2021 → 2024
Working capital
€105k▲ 17.5%
2023 · €89k
2021: €62k
2022: €94k
2023: €89k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€79k-€110k▲ 39.5%€104k▼ 6.2%€116k▲ 12.1%
Operating result€101k-€43k▼ 57.3%€-4k€18k
Net result€74k-€31k▼ 57.8%€-7k€13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €18k after a loss of €4k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €131k
Fixed assets
€11k▼ 39.3%
Current assets
€120k▼ 6.6%
Equity and liabilities €131k
Equity
€116k▲ 12.1%
Debt
€15k▼ 65.2%
The debt ratio falls from 29.5% to 11.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€25k▲
2023 · €4k
Cash flow
€20k▲
2023 · €1k
Solvency
88.5%▲
2023 · 70.5%
Current ratio
7.94▲
2023 · 3.28
Quick ratio
7.94▲
2023 · 3.28
Debt / equity
0.13▼
2023 · 0.42
ROE
10.8%▲
2023 · -6.6%
ROA
9.6%▲
2023 · -4.7%
Interest coverage
11.33▲
2023 · 1.58
Debt
€15k▼
2023 · €43k
Debt ≤ 1 year
€15k▼
2023 · €39k
Debt > 1 year
€0▼
2023 · €4k
Income taxes
€4k▲
2023 · €350
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€147k€131k▼
Fixed assets21/28€19k€11k▼
Tangible fixed assets22/27€19k€11k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€16k€10k▼
Current assets29/58€128k€120k▼
Amounts receivable within one year40/41€37k€44k▲
Trade receivables40€32k€30k▼
Other amounts receivable41€5k€13k▲
Cash at bank and in hand54/58€91k€76k▼
Deferred charges and accrued income490/1€738€0▼
Equity and liabilities
Total equity and liabilities10/49€147k€131k▼
Equity10/15€104k€116k▲
Contributions10/11€5k€5k=
Reserves13€99k€111k▲
Distributable reserves133€99k€111k▲
Amounts payable17/49€43k€15k▼
Amounts payable after more than one year17€4k€0▼
Financial debts170/4€4k€0▼
Amounts payable within one year42/48€39k€15k▼
Current portion of amounts payable after more than one year42€6k€4k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€29k€10k▼
Taxes450/3€29k€10k▼
Accrued charges and deferred income492/3€587€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€1k€575▼
Gross operating margin9900€5k€26k▲
Operating profit (loss)9901€-4k€18k▲
Financial income75/76B€214€562▲
Recurring financial income75€214€562▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-7k€16k▲
Income taxes67/77€350€4k▲
Profit (loss) for the period9904€-7k€13k▲
Profit (loss) for the period to be appropriated9905€-7k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€13k▲
Transfer from equity791/2€7k€0▼
Transfer to equity691/2€0€13k▲
To other reserves6921€0€13k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 7.94
Current ratio from 3.28 to 7.94; short-term debt falls from €39k to €15k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-7k ▼122%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €110k ▲39.5%
2 profitable years in a row build equity to €110k.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Truiden · 1 establishment unit since 2020
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.
Luikersteenweg 2593800 Sint-TruidenGround area
518 m²
Building footprint
377 m²
Parcel 71009D0416/00M002, Flanders. Linked by address, not a title deed.
1 establishment unit
Windows Punt
since 20202.302.772.377
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009D0416/00M002 | Flanders | 518 m² | 1 · 377 m² | - |
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.
Similar companies · same sector, comparable size
MICAFLEX
BE 0648.818.746
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FLORICUPE
BE 0742.623.486
Brussel · Eq €116k
REDART-CONSTRUCT
BE 0643.558.574
Brussel · Eq €116k
MC ART CONSTRUCT
BE 0761.861.160
Dilbeek · Eq €116k
SORO BOUW
BE 0824.896.809
Dilsen-Stokkem · Eq €116k
Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 12,871 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:windowspunt@onet.eu