WINE & MORE
ActiveWINE & MORE has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157k and a net result of €28k. Equity is growing by ~42.5% per year across the filed fiscal years. Its solvency ranks better than 21% of 4122 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▼-11
Solvency9=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days only on tighter terms
Liquidity short (current ratio 0.58 against 0.64 in 2024), and 88.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.1%
Return on assets
2%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 4122 sector peers (2025).
NBB · sector comparisonPosition among 4122 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 filingsDeviation from the deadline
2025
17 d late
2024
27 d late
2023
27 d late
2022
32 d late
2021
31 d late
2020
89 d late
2019
56 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€28k▼ 65.5%
2024 · €81k
2018: €37k
2019: €39k
2020: €70k
2021: €66k
2022: €47k
2023: €-75k
2024: €81k
2018 → 2025
Working capital
€-261k▼ 36.1%
2024 · €-192k
2018: €-276k
2019: €-287k
2020: €-128k
2021: €-133k
2022: €-33k
2023: €-184k
2024: €-192k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€123k▲ 62.6%€48k▼ 61.1%€129k▲ 169%€157k▲ 21.7%
Operating result€117k-€105k▼ 10.1%€-33k€129k€73k▼ 43.6%
Net result€66k-€47k▼ 27.7%€-75k€81k€28k▼ 65.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.42M
Fixed assets
€1.06M▼ 5.5%
Current assets
€358k▲ 6.8%
Equity and liabilities €1.42M
Equity
€157k▲ 21.7%
Debt
€1.26M▼ 5.0%
The debt ratio falls from 91.2% to 88.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€140k▼
2024 · €228k
Cash flow
€95k▼
2024 · €180k
Solvency
11.1%▲
2024 · 8.8%
Current ratio
0.58▼
2024 · 0.64
Quick ratio
0.17▲
2024 · 0.16
Debt / equity
8.05▼
2024 · 10.31
ROE
17.8%▼
2024 · 62.8%
ROA
2.0%▼
2024 · 5.6%
Interest coverage
4.19▼
2024 · 5.29
Debt
€1.26M▼
2024 · €1.33M
Debt ≤ 1 year
€619k▲
2024 · €527k
Debt > 1 year
€625k▼
2024 · €784k
Income taxes
€11k▲
2024 · €5k
Staff costs
€83k▼
2024 · €99k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.46M€1.42M▼
Fixed assets21/28€1.12M€1.06M▼
Tangible fixed assets22/27€1.12M€1.06M▼
Land and buildings22€981k€935k▼
Plant, machinery and equipment23€139k€125k▼
Furniture and vehicles24€2k€851▼
Current assets29/58€335k€358k▲
Stocks and contracts in progress3€250k€250k=
Stocks30/36€250k€250k=
Amounts receivable within one year40/41€19k€28k▲
Trade receivables40€15k€25k▲
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€66k€80k▲
Equity and liabilities
Total equity and liabilities10/49€1.46M€1.42M▼
Equity10/15€129k€157k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€61k€89k▲
Amounts payable17/49€1.33M€1.26M▼
Amounts payable after more than one year17€784k€625k▼
Financial debts170/4€784k€625k▼
Amounts payable within one year42/48€527k€619k▲
Current portion of amounts payable after more than one year42€187k€159k▼
Trade debts44€36k€154k▲
Suppliers440/4€36k€154k▲
Taxes, remuneration and social security45€47k€36k▼
Taxes450/3€32k€19k▼
Remuneration and social security454/9€15k€17k▲
Other amounts payable47/48€257k€270k▲
Accrued charges and deferred income492/3€18k€18k=
Income statement
Code20242025
Remuneration, social security and pensions62€99k€83k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€99k€67k▼
Other operating charges640/8€12k€11k▼
Gross operating margin9900€339k€234k▼
Operating profit (loss)9901€129k€73k▼
Financial charges65/66B€43k€33k▼
Recurring financial charges65€43k€33k▼
Profit (loss) for the period before taxes9903€86k€39k▼
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€81k€28k▼
Profit (loss) for the period to be appropriated9905€81k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€89k▲
Profit (loss) brought forward from the previous period14P€-20k€61k▲
Social balance
Average headcount (FTE)90872.42.0▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 17 days late
2025
31-12
Financial
Equity above €150kEq €157k ▲21.7%
2 profitable years in a row build equity to €157k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2024
31-12
Financial
Back to profitnet €81k
Net result €81k after one loss-making year.
31-12
Financial
Equity above €100kEq €129k ▲169%
Equity rises from €48k to €129k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €-75k ▼259%
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
31-12
Financial
Equity above €100kEq €123k ▲62.6%
5 profitable years in a row build equity to €123k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 56 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Namur · 1 establishment unit since 1993
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.
Avenue Albert 1er 975000 NamurGround area
3,515 m²
Building footprint
1,352 m²
Volume, LiDAR
12,562 m³
2 parcels, Wallonia · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Marche(EP) 494, 5101 Namur
since 19932.060.828.346
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92039B0012/00K002 | Wallonia | 2,343 m² | 1 · 1,259 m² | 14.8 m · 4 fl. |
| 92094B0311/00Z005 | Wallonia | 1,172 m² | 1 · 93 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.060.828.346
Similar companies · same sector, comparable size
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Vinô-Etc
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Thuin · Eq €157k
Santé Wines
BE 0761.471.180
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MATTIAS DE REGGE
BE 0881.903.511
Mol · Eq €156k
Burgundy Wines - Import & Distribution in Belgium
BE 0655.683.277
Mont-Saint-Guibert · Eq €161k
Of 2,327 companies in sector 47251 we hold annual accounts for 420. 292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-01-1993
Fiscal year end31-12
Activities, NACEBEL
47251Retail sale of wines and spirits
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.