WINTERS STIJN VERZEKERINGEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €24k and a net result of €136k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 26% of 43 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
7 d early
2023
12 d early
2022
7 d early
2021
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€24k=
2024 · €24k
2021: €13k
2022: €118k
2023: €193k
2024: €24k
2021 → 2025
Net result
€136k▲ 12.8%
2024 · €121k
2021: €-8k
2022: €105k
2023: €75k
2024: €121k
2021 → 2025
Total assets
€168k▲ 3.1%
2024 · €163k
2021: €13k
2022: €140k
2023: €224k
2024: €163k
2021 → 2025
Solvency
14.3%▼ 0.4pp
2024 · 14.7%
2021: 100.0%
2022: 84.5%
2023: 86.2%
2024: 14.7%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€118k▲ 838%€193k▲ 63.8%€24k▼ 87.6%€24k=
Operating result€-8k-€79k€41k▼ 48.4%€96k▲ 136%€8k▼ 92.0%
Net result€-8k-€105k€75k▼ 28.6%€121k▲ 60.6%€136k▲ 12.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€70k▲ 303%
Current assets
€98k▼ 32.6%
Equity and liabilities €168k
Equity
€24k=
Debt
€144k▲ 3.7%
The debt ratio rises from 85.3% to 85.7%. Debt is higher.
Key figures and ratios
Solvency
14.3%▼
2024 · 14.7%
ROE
568.0%▲
2024 · 503.5%
ROA
81.1%▲
2024 · 74.2%
Debt
€144k▲
2024 · €139k
Debt ≤ 1 year
€144k▲
2024 · €139k
Income taxes
€3k▼
2024 · €20k
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€163k€168k▲
Fixed assets21/28€17k€70k▲
Tangible fixed assets22/27€10k€8k▼
Land and buildings22€5k€4k▼
Plant, machinery and equipment23€2k€789▼
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€8k€62k▲
Current assets29/58€146k€98k▼
Amounts receivable within one year40/41€7k€6k▼
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€139k€92k▼
Equity and liabilities
Total equity and liabilities10/49€163k€168k▲
Equity10/15€24k€24k=
Contributions10/11€20k€20k=
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€139k€144k▲
Amounts payable within one year42/48€139k€144k▲
Trade debts44€2k€134▼
Suppliers440/4€2k€134▼
Taxes, remuneration and social security45€17k€8k▼
Taxes450/3€17k€8k▼
Other amounts payable47/48€120k€136k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€98k€11k▼
Operating profit (loss)9901€96k€8k▼
Financial income75/76B€45k€132k▲
Recurring financial income75€45k€132k▲
Financial charges65/66B€83€137▲
Recurring financial charges65€83€137▲
Profit (loss) for the period before taxes9903€141k€140k▼
Income taxes67/77€20k€3k▼
Profit (loss) for the period9904€121k€136k▲
Profit (loss) for the period to be appropriated9905€121k€136k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€136k▲
Transfer from equity791/2€170k€0▼
Transfer to equity691/2€838€0▼
To other reserves6921€838€0▼
Profit to be distributed694/7€290k€136k▼
Return on contributions (dividend)694€290k€136k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (10 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2021net €136k ▲12.8%
Net result €136k, the highest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150kEq €193k ▲63.8%
2 profitable years in a row build equity to €193k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €105k
Net result €105k after one loss-making year.
31-12
Financial
Equity above €100kEq €118k ▲838%
Equity rises from €13k to €118k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Peer · 1 establishment unit since 2021
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.
Kaulillerweg 433990 PeerGround area
882 m²
Building footprint
171 m²
Volume, LiDAR
915 m³
Parcel 72010A0743/00S000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kaulillerweg 43, 3990 Peer
since 20212.313.593.817
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72010A0743/00S000 | Flanders | 882 m² | 1 · 170 m² | 9.3 m · 2 fl. |
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
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GERARD & ALTERMAN
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PRIEMUS
BE 1005.194.865
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IDEAL CONSEIL
BE 0872.417.901
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Of 65 companies in sector 65111 we hold annual accounts for 28. 13 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-02-2021
Fiscal year end31-12
Activities, NACEBEL
65111Insurance, reinsurance and pension funding, except compulsory social security
65112Insurance, reinsurance and pension funding, except compulsory social security
65121Insurance, reinsurance and pension funding, except compulsory social security
65122Insurance, reinsurance and pension funding, except compulsory social security
65200Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.