Words & Wines
ActiveWords & Wines has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €23k. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 34% of 6971 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency64▲+3
Growth78▲+26
Stability94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.4 in 2024), but 66.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
33.5%
Return on assets
14.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 4 filingsDeviation from the deadline
2025
7 d late
2024
57 d late
2023
41 d late
2022
26 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 33.5%
2024 · €39k
2022: €27k
2023: €30k
2024: €39k
2022 → 2025
Total assets
€156k▲ 33.1%
2024 · €117k
2022: €107k
2023: €105k
2024: €117k
2022 → 2025
Net result
€23k▲ 164%
2024 · €9k
2022: €17k
2023: €3k
2024: €9k
2022 → 2025
Working capital
€48k▲ 66.4%
2024 · €29k
2022: €19k
2023: €23k
2024: €29k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€27k-€30k▲ 10.5%€39k▲ 28.8%€52k▲ 33.5%
Operating result€27k-€7k▼ 74.8%€16k▲ 129%€34k▲ 117%
Net result€17k-€3k▼ 83.5%€9k▲ 204%€23k▲ 164%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 117% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €156k
Fixed assets
€14k▼ 3.7%
Current assets
€142k▲ 38.3%
Equity and liabilities €156k
Equity
€52k▲ 33.5%
Debt
€104k▲ 32.9%
The debt ratio falls from 66.6% to 66.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€37k▲
2024 · €18k
Cash flow
€26k▲
2024 · €11k
Solvency
33.5%▲
2024 · 33.4%
Current ratio
1.52▲
2024 · 1.40
Quick ratio
1.17▲
2024 · 1.06
Debt / equity
1.99▼
2024 · 2.00
ROE
44.3%▲
2024 · 22.4%
ROA
14.8%▲
2024 · 7.5%
Interest coverage
11.19▲
2024 · 6.74
Debt
€104k▲
2024 · €78k
Debt ≤ 1 year
€93k▲
2024 · €73k
Income taxes
€7k▲
2024 · €4k
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€117k€156k▲
Fixed assets21/28€14k€14k▼
Intangible fixed assets21€898€498▼
Tangible fixed assets22/27€10k€7k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€4k€6k▲
Current assets29/58€103k€142k▲
Stocks and contracts in progress3€24k€32k▲
Stocks30/36€24k€32k▲
Amounts receivable within one year40/41€42k€60k▲
Trade receivables40€38k€58k▲
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€33k€47k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€117k€156k▲
Equity10/15€39k€52k▲
Contributions10/11€10k€10k=
Reserves13€17k€31k▲
Distributable reserves133€17k€31k▲
Profit (loss) carried forward14€12k€12k=
Amounts payable17/49€78k€104k▲
Amounts payable within one year42/48€73k€93k▲
Trade debts44€8k€14k▲
Suppliers440/4€8k€14k▲
Taxes, remuneration and social security45€6k€19k▲
Taxes450/3€6k€19k▲
Other amounts payable47/48€59k€60k▲
Accrued charges and deferred income492/3€4k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€884€3k▲
Gross operating margin9900€19k€40k▲
Operating profit (loss)9901€16k€34k▲
Financial income75/76B€60€51▼
Recurring financial income75€60€51▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€13k€31k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€9k€23k▲
Profit (loss) for the period to be appropriated9905€9k€23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€35k▲
Profit (loss) brought forward from the previous period14P€3k€12k▲
Transfer to equity691/2-€13k
To other reserves6921-€13k
Profit to be distributed694/7-€10k
Directors or managers695-€10k
The notes to these accounts (14 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-12
Financial
Highest result since 2022net €23k ▲164%
Operating result €34k, net result €23k, both a record.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
31-12
Financial
Weakest financial yearnet €3k ▼83.5%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 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, Vilvoorde · 1 establishment unit since 2022
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.
Koepoortstraat 431800 VilvoordeGround area
128 m²
Building footprint
76 m²
Volume, LiDAR
837 m³
Parcel 23642D0891/00F002, Flanders · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Koepoortstraat 43, 1800 Vilvoorde
since 20222.330.141.324
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0891/00F002 | Flanders | 128 m² | 1 · 76 m² | 14.3 m · 4 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 360 EUR awarded · 360 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 360 EUR | 360 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteVilvoorde2.330.141.324
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Of 13,390 companies in sector 73300 we hold annual accounts for 6,881. 5,490 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2022
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
46341Wholesale of wines and spirits
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.