WINOVA
ActiveSummary
WINOVA has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €88k and a net result of €-1k. Equity is growing by ~38.8% per year across the filed fiscal years. Its solvency ranks better than 74% of 399 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2026
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability37▼-63
Solvency100▲+21
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 7.78 against 2.1 in 2025; short-term debt: 12.5% and cash: 76.9% of total assets), and 12.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 25-08-2026, 67 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
67 d early
2025
63 d early
2024
on the day
2023
29 d late
2022
83 d early
2021
9 d late
2020
30 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€88k▼ 1.3%
2025 · €89k
2019: €11k
2020: €13k
2021: €22k
2022: €69k
2023: €71k
2024: €72k
2025: €89k
2019 → 2026
Total assets
€101k▼ 39.3%
2025 · €166k
2019: €22k
2020: €22k
2021: €24k
2022: €77k
2023: €80k
2024: €121k
2025: €166k
2019 → 2026
Net result
€-1k
2025 · €57k
2019: €3k
2020: €2k
2021: €890
2022: €47k
2023: €1k
2024: €25k
2025: €57k
2019 → 2026
Working capital
€85k▲ 1.0%
2025 · €84k
2019: €8k
2020: €9k
2021: €6k
2022: €50k
2023: €50k
2024: €53k
2025: €84k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€69k-€71k▲ 1.7%€72k▲ 2.0%€89k▲ 24.1%€88k▼ 1.3%
Operating result€47k-€1k▼ 97.5%€32k▲ 2,660%€76k▲ 137%€-2k
Net result€47k-€1k▼ 97.6%€25k▲ 2,110%€57k▲ 126%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2026: a loss of €2k after €76k in 2025, the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €101k
Fixed assets
€3k ▼ 38.9%
Current assets
€98k ▼ 39.4%
Equity and liabilities €101k
Equity
€88k ▼ 1.3%
Debt
€13k ▼ 83.7%
Debt's share of the balance-sheet total falls from 46.2% to 12.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€427▼
2025 · €78k
Cash flow
€803▼
2025 · €59k
Current ratio
7.78▲
2025 · 2.10
Debt to equity
0.14▼
2025 · 0.86
ROE
-1.3%▼
2025 · 64.2%
ROA
-1.1%▼
2025 · 34.5%
Interest coverage
2.31▼
2025 · 202.68
Debt ≤ 1 year
€13k▼
2025 · €77k
Income taxes
€190▼
2025 · €22k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 38 lines
Balance sheet
Code20252026
Assets
Total assets20/58€166k€101k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€1k€979▼
Current assets29/58€161k€98k▼
Amounts receivable within one year40/41€46k€17k▼
Trade receivables40€31k€7k▼
Other amounts receivable41€15k€10k▼
Cash at bank and in hand54/58€114k€77k▼
Deferred charges and accrued income490/1€956€3k▲
Equity and liabilities
Total equity and liabilities10/49€166k€101k▼
Equity10/15€89k€88k▼
Contributions10/11€85k€85k=
Profit (loss) carried forward14€5k€4k▼
Amounts payable17/49€77k€13k▼
Amounts payable within one year42/48€77k€13k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€31k€10k▼
Taxes450/3€31k€10k▼
Other amounts payable47/48€40k-
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€614€400▼
Gross operating margin9900€78k€827▼
Operating profit (loss)9901€76k€-2k▼
Financial income75/76B€4k€750▼
Recurring financial income75€4k€750▼
Financial charges65/66B€383€185▼
Recurring financial charges65€383€185▼
Profit (loss) for the period before taxes9903€79k€-952▼
Income taxes67/77€22k€190▼
Profit (loss) for the period9904€57k€-1k▼
Profit (loss) for the period to be appropriated9905€57k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€4k▼
Profit (loss) brought forward from the previous period14P€-13k€5k▲
Profit to be distributed694/7€40k-
Return on contributions (dividend)694€40k-
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
Next filing, fiscal year 2027, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series.
31-03
Financial
Liquidity quadruplescurrent ratio 7.78
Current ratio from 2.10 to 7.78; short-term debt falls from €77k to €13k.
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €57k ▲126%
Operating result €76k, net result €57k, both a record.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 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
9 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
Ground area
2,388 m²
Building footprint
200 m²
Volume, LiDAR
1,467 m³
2 parcels, Wallonia · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Winova scrl
since 19932.064.203.451
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92032B0162/00V003 | Wallonia | 1,581 m² | 1 · 105 m² | 13.8 m · 3 fl. |
| 25054D0106/00X002 | Wallonia | 807 m² | 1 · 96 m² | 12.0 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 40,396 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-1993
Fiscal year end31-03
Activities, NACEBEL 2025
70200Business and other management consultancy
85592Vocational training
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.