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WINDSOR

Active
Private limited company (pre-2019)founded 198639 yrs activeChaussée de Nivelles 217, 7181 Seneffe, BelgiumKBO/BCE: BE 0430.060.287
Summary

The computed 12-month bankruptcy probability of WINDSOR is 1.5% (moderate). The 2025 annual accounts show negative equity (-€143,588) and a net result of -€308. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 5% of 18606 sector peers (fiscal year 2025). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025
Age of the figures
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 39 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€143,588
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filings
Deviation from the deadline
2025
31 d late
2024
30 d early
2023
33 d early
2022
30 d late
2021
31 d late
2020
27 d late
2019
28 d late
← 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 12 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 30 December 1986, WINDSOR was incorporated.1 The company has filed 35 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€143,588▼ 0.2%
2024 · -€143,280
Total assets
€12=
2024 · €12
Net result
-€308▲ 31.8%
2024 · -€451
Working capital
-€30,683▼ 1.0%
2024 · -€30,375
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result-€415▼ 28.6%-€311▲ 25.0%-€359▼ 15.2%-€427▼ 19.0%-€284▲ 33.6%
Net result-€436within the sector's middle half▼ 26.8%-€335within the sector's middle half▲ 23.1%-€383within the sector's middle half▼ 14.2%-€451within the sector's middle half▼ 17.8%-€308within the sector's middle half▲ 31.8%
Equity-€142,112below the sector's middle half▼ 0.3%-€142,447below the sector's middle half▼ 0.2%-€142,830below the sector's middle half▼ 0.3%-€143,280below the sector's middle half▼ 0.3%-€143,588below the sector's middle half▼ 0.2%
Total assets€34below the sector's middle half▼ 38.4%€10below the sector's middle half▼ 71.3%€36below the sector's middle half▲ 269%€12below the sector's middle half▼ 67.3%€12below the sector's middle half=
Debt€142,146▲ 0.3%€142,457▲ 0.2%€142,865▲ 0.3%€143,292▲ 0.3%€143,599▲ 0.2%
Working capital-€29,207below the sector's middle half▼ 1.5%-€29,542below the sector's middle half▼ 1.1%-€29,925below the sector's middle half▼ 1.3%-€30,375below the sector's middle half▼ 1.5%-€30,683below the sector's middle half▼ 1.0%
above within below the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€600-€400-€200€0Operating result 2021: -€415-€415Net result 2021: -€436-€436Operating result 2022: -€311-€311Net result 2022: -€335-€335Operating result 2023: -€359-€359Net result 2023: -€383-€383Operating result 2024: -€427-€427Net result 2024: -€451-€451Operating result 2025: -€284-€284Net result 2025: -€308-€30820212022202320242025-€600-€400-€200€0Operating result 2023: -€359-€359Net result 2023: -€383-€383Operating result 2024: -€427-€427Net result 2024: -€451-€451Operating result 2025: -€284-€284Net result 2025: -€308-€308202320242025
The operating result stays negative: a loss of €284 in 2025 against €427 in 2024; the loss shrinks.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€30,695▲
2024 · €30,387
Debt > 1 year
€112,905=
2024 · €112,905
Ratios withheld: a balance sheet total of €12 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.

  • Micro
  • 20 years or older
  • negative equity
  • a loss of 10% of the balance sheet or more
4.1% went bankrupt
9.8% stopped otherwise
84% still going

A further 2.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.5% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 21 lines
Balance sheet Code20242025
Assets
Total assets20/58€12€12=
Current assets29/58€12€12=
Cash at bank and in hand54/58€12€12=
Equity and liabilities
Total equity and liabilities10/49€12€12=
Equity10/15-€143,280-€143,588▼
Contributions10/11€18,592€18,592=
Profit (loss) carried forward14-€161,872-€162,180▼
Amounts payable17/49€143,292€143,599▲
Amounts payable after more than one year17€112,905€112,905=
Other amounts payable178/9€112,905€112,905=
Amounts payable within one year42/48€30,387€30,695▲
Other amounts payable47/48€30,387€30,695▲
Income statement Code20242025
Gross operating margin9900-€427-€284▲
Operating profit (loss)9901-€427-€284▲
Financial charges65/66B€24€24=
Recurring financial charges65€24€24=
Profit (loss) for the period before taxes9903-€451-€308▲
Profit (loss) for the period9904-€451-€308▲
Profit (loss) for the period to be appropriated9905-€451-€308▲
Appropriation of the result
Profit (loss) to be appropriated9906-€161,872-€162,180▼
Profit (loss) brought forward from the previous period14P-€161,422-€161,872▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Gross operating margin9900-€415-€311-€359-€427-€284▲ 33.6%
Operating profit (loss)9901-€415-€311-€359-€427-€284▲ 33.6%
Financial charges65/66B€21€24€24€24€24=
Recurring financial charges65€21€24€24€24€24=
Profit (loss) for the period before taxes9903-€436-€335-€383-€451-€308▲ 31.8%
Profit (loss) for the period9904-€436-€335-€383-€451-€308▲ 31.8%
Profit (loss) for the period to be appropriated9905-€436-€335-€383-€451-€308▲ 31.8%
Line20212022202320242025Change
Assets
Total assets20/58€34€10€36€12€12=
Current assets29/58€34€10€36€12€12=
Cash at bank and in hand54/58€34€10€36€12€12=
Equity and liabilities
Total equity and liabilities10/49€34€10€36€12€12=
Equity10/15-€142,112-€142,447-€142,830-€143,280-€143,588▼ 0.2%
Contributions10/11€18,592€18,592€18,592€18,592€18,592=
Profit (loss) carried forward14-€160,704-€161,039-€161,422-€161,872-€162,180▼ 0.2%
Amounts payable17/49€142,146€142,457€142,865€143,292€143,599▲ 0.2%
Amounts payable after more than one year17€112,905€112,905€112,905€112,905€112,905=
Other amounts payable178/9€112,905€112,905€112,905€112,905€112,905=
Amounts payable within one year42/48€29,241€29,552€29,960€30,387€30,695▲ 1.0%
Trade debts44€64€64----
Suppliers440/4€64€64----
Other amounts payable47/48€29,177€29,488€29,960€30,387€30,695▲ 1.0%
Line20212022202320242025Change
Profit (loss) for the period9904-€436-€335-€383-€451-€308▲ 31.8%
Operating cash flow (approximation)-€436-€335-€383-€451-€308▲ 31.8%
Change in cash--€24€26-€24€0▲ 100%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
01-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
27-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
28-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
09-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
23-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
02-08
NBB filing Annual accounts filed
fiscal year 2016 · full schema · 2 days late
NBB filing
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, Seneffe · 1 establishment unit since 1987
seat establishment The establishment unit on the map
Ground area
297 m²
Building footprint
76 m²
Parcel 52003B0188/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ELEGANCE
Chaussée de Nivelles 217, 7181 SeneffeNACE 52421
since 19872.031.216.523
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52003B0188/00C000 Wallonia 297 m² 1 · 76 m² -
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.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 6,495 companies in sector 47716 we hold annual accounts for 2,440. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded30-12-1986
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.