Wint-Construct
ActiveWint-Construct has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.56M and a net result of €81k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 81% of 8388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-94
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
Liquidity ample (current ratio 5.56 against 5.37 in 2024), and 14.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
85.8%
Return on assets
1.1%
Age of the figures
8 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
29 d early
2023
26 d late
2022
48 d early
2021
39 d late
2020
6 d late
2019
59 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€6.56M▼ 13.2%
2024 · €7.56M
2022: €5.61M
2023: €5.57M
2024: €7.56M
2022 → 2025
Total assets
€7.65M▼ 14.0%
2024 · €8.90M
2022: €6.15M
2023: €6.22M
2024: €8.90M
2022 → 2025
Net result
€81k▼ 97.5%
2024 · €3.29M
2022: €620k
2023: €562k
2024: €3.29M
2022 → 2025
Working capital
€4.96M▼ 14.9%
2024 · €5.82M
2022: €-205k
2023: €-107k
2024: €5.82M
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€5.61M-€5.57M▼ 0.7%€7.56M▲ 35.7%€6.56M▼ 13.2%
Operating result€160k-€117k▼ 26.8%€2.82M▲ 2,307%€86▼ 100.0%
Net result€620k-€562k▼ 9.4%€3.29M▲ 486%€81k▼ 97.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 100% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.65M
Fixed assets
€1.61M▼ 7.6%
Current assets
€6.05M▼ 15.5%
Equity and liabilities €7.65M
Equity
€6.56M▼ 13.2%
Debt
€1.09M▼ 18.4%
The debt ratio falls from 15.0% to 14.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€133k▼
2024 · €2.95M
Cash flow
€214k▼
2024 · €3.42M
Solvency
85.8%▲
2024 · 85.0%
Current ratio
5.56▲
2024 · 5.37
Quick ratio
5.56▲
2024 · 5.37
Debt / equity
0.17▼
2024 · 0.18
ROE
1.2%▼
2024 · 43.5%
ROA
1.1%▼
2024 · 37.0%
Interest coverage
250.96▼
2024 · 3977.21
Debt
€1.09M▼
2024 · €1.33M
Debt ≤ 1 year
€1.09M▼
2024 · €1.33M
Income taxes
€61k▲
2024 · €61k
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
Total assets
20/58€8.90M€7.65M▼
Fixed assets
21/28€1.74M€1.61M▼
Tangible fixed assets
22/27€1.74M€1.61M▼
Current assets
29/58€7.16M€6.05M▼
Amounts receivable within one year
40/41€4k€8k▲
Investments
50/53€6.00M€5.00M▼
Cash & bank
54/58€329k€199k▼
Total equity & liabilities
10/49€8.90M€7.65M▼
Equity
10/15€7.56M€6.56M▼
Contributions / capital
10/11€1.51M€1.51M=
Reserves
13€6.06M€5.06M▼
Amounts payable
17/49€1.33M€1.09M▼
Amounts payable within one year
42/48€1.33M€1.09M▼
Trade debts payable within one year
44€6k€6k▼
Income statement
Code20242025
Gross operating margin
9900€2.95M€133k▼
Operating result
9901€2.82M€86▼
Financial income
75€533k€143k▼
Financial charges
65€742€530▼
Result before taxes
9903€3.35M€143k▼
Income taxes
67/77€61k€61k▲
Net result for the period
9904€3.29M€81k▼
Result to be appropriated
9905€3.29M€81k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €81k ▼97.5%
Net result drops to €81k, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2022net €3.29M ▲486%
Operating result €2.82M, net result €3.29M, both a record.
31-12
Financial
Liquidity times 6current ratio 5.37
Current ratio from 0.83 to 5.37.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 39 days late
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 6 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 59 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
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Of 82,369 companies in sector 70200 we hold annual accounts for 51,486. 9,256 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-12-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
25401Forging of metal
25639Manufacture of fabricated metal products, except machinery and equipment
42130Civil engineering
64200Holdings
64210Activities of holding companies
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 06-08-2026. Scores and ratios are computed by Checked and are not a credit decision.