WINVESTA

Active

Public limited companyfounded 198936 yrs activeMechelbaan 690, 2580 Putte, BelgiumKBO/BCE: BE 0439.206.595

Summary

The computed 12-month bankruptcy probability of WINVESTA is 6.7% (elevated). The 2024 annual accounts show equity of €148,716 and a net result of -€66,883. Equity is shrinking by ~31.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

WINVESTAActiveChecked score 34/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€1.5mtotal assets 2024

Equity: €148,716
Loss: -€66,883

Turnover not published (abridged schema)

Financial health

34 Weak Checked score 2024

Bankruptcy chance 12 m: 6.7%

Structure

Holdings: 1

Accounts 66 d overdue0 of 7 deeds read

Why 34- Figures for FY 2024 (filed 05-08-2025)- 1 change of registered office in 24 months- Liquidity: current ratio 9.76, cash €3+ Size: total assets €1.5mShow the evidence

Checked score

Score 2024

34 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 22% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2023

Weak

Solvency 35-2

equity 9.9% of total assets

Liquidity 50+3

short-term debt 3.3% · cash 0.0%

Profitability 13+7

return on assets -4.5%

Bankruptcy probability, 12 months

6.7% Elevated

0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 2.3% 12-2024: 2.3%● 0.0% vs 11-2024 01-2025: 2.3%● 0.0% vs 12-2024 02-2025: 2.3%▲ +1.6% vs 01-2025 03-2025: 2.3%● 0.0% vs 02-2025 04-2025: 2.3%▼ -2.0% vs 03-2025 05-2025: 2.3%▲ +0.2% vs 04-2025 06-2025: 4.4%▲ +93.3% vs 05-2025 07-2025: 4.6%▲ +4.4% vs 06-2025 08-2025: 5.1%▲ +11.0% vs 07-2025 09-2025: 2.2%▼ -57.0% vs 08-2025lowest value 10-2025: 2.2%● 0.0% vs 09-2025lowest value 11-2025: 2.2%● 0.0% vs 10-2025lowest value 12-2025: 2.2%● 0.0% vs 11-2025lowest value 01-2026: 2.2%● 0.0% vs 12-2025lowest value 02-2026: 2.2%▲ +1.6% vs 01-2026 03-2026: 2.2%● 0.0% vs 02-2026 04-2026: 2.2%▲ +1.1% vs 03-2026 05-2026: 2.5%▲ +13.0% vs 04-2026 06-2026: 2.8%▲ +9.3% vs 05-2026 07-2026: 2.8%▲ +3.0% vs 06-2026 08-2026: 3.7%▲ +29.4% vs 07-2026 09-2026: 4.5%▲ +21.4% vs 08-2026 10-2026: 6.7%▲ +49.9% vs 09-2026highest value

Figures for FY 2024 (filed 05-08-2025) raises the probability
1 change of registered office in 24 months raises the probability
Size: total assets €1.5m lowers the probability for this profile
Liquidity: current ratio 9.76, cash €3 raises the probability

Credit up to €5,000 at 30 days only on tighter terms

Liquidity ample (current ratio 9.76 against 4.87 in 2023; short-term debt: 3.3% and cash: 0% of total assets), but 90.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 22%, liquidity 37%, profitability 13%, growth against the median 13%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Figures for FY 2024 (filed 05-08-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

Size: total assets €1.5m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 9.76, cash €3

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2024

Net result per financial year

18192021222324

2018 to 2024 · latest year -€66,883

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 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

not confirmed

2024

4 d late

2023

65 d late

2022

116 d late

2021

2 d early

2020

2 d early

2019

8 d early

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 6 accounts on average 29 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)

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