Xpertvinum
ActiveXpertvinum has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €53k and a net result of €-1k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 49% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability27▼-56
Solvency64▲+21
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.83 against 1.32 in 2023; short-term debt: 53.3% and cash: 10.5% of total assets), but 61.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
38.5%
Return on assets
-0.8%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-07-2025, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
8 d early
2023
44 d early
2022
21 d early
2021
38 d early
2020
32 d early
2019
24 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€53k▼ 2.0%
2023 · €54k
2018: €39k
2019: €35k
2020: €64k
2021: €67k
2022: €19k
2023: €54k
2018 → 2024
Total assets
€138k▼ 53.9%
2023 · €300k
2018: €195k
2019: €213k
2020: €251k
2021: €291k
2022: €286k
2023: €300k
2018 → 2024
Net result
€-1k
2023 · €35k
2018: €8k
2019: €-4k
2020: €29k
2021: €3k
2022: €-48k
2023: €35k
2018 → 2024
Working capital
€61k▼ 11.5%
2023 · €69k
2018: €72k
2019: €38k
2020: €64k
2021: €97k
2022: €53k
2023: €69k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€64k-€67k▲ 4.5%€19k▼ 71.5%€54k▲ 186%€53k▼ 2.0%
Operating result€28k-€8k▼ 72.7%€-43k€41k€5k▼ 87.6%
Net result€29k-€3k▼ 90.0%€-48k€35k€-1k
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 2024; 2024 is 88% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €138k
Fixed assets
€3k▼ 77.8%
Current assets
€135k▼ 52.7%
Equity and liabilities €138k
Equity
€53k▼ 2.0%
Debt
€85k▼ 65.4%
The debt ratio falls from 81.9% to 61.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▼
2023 · €48k
Cash flow
€471▼
2023 · €42k
Solvency
38.5%▲
2023 · 18.1%
Current ratio
1.83▲
2023 · 1.32
Quick ratio
0.67▼
2023 · 0.83
Debt / equity
1.59▼
2023 · 4.52
ROE
-2.0%▼
2023 · 65.0%
ROA
-0.8%▼
2023 · 11.8%
Interest coverage
1.08▼
2023 · 8.17
Debt
€85k▼
2023 · €245k
Debt ≤ 1 year
€74k▼
2023 · €216k
Debt > 1 year
€11k▼
2023 · €24k
Staff costs
€32k▼
2023 · €60k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€300k€138k▼
Fixed assets21/28€15k€3k▼
Tangible fixed assets22/27€13k€2k▼
Plant, machinery and equipment23€10k€2k▼
Furniture and vehicles24€3k€172▼
Financial fixed assets28€1k€1k=
Current assets29/58€285k€135k▼
Stocks and contracts in progress3€105k€85k▼
Stocks30/36€105k€85k▼
Amounts receivable within one year40/41€50k€35k▼
Trade receivables40€50k€35k▼
Cash at bank and in hand54/58€130k€14k▼
Equity and liabilities
Total equity and liabilities10/49€300k€138k▼
Equity10/15€54k€53k▼
Contributions10/11€120k€120k=
Reserves13€5k€5k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€-70k€-71k▼
Amounts payable17/49€245k€85k▼
Amounts payable after more than one year17€24k€11k▼
Financial debts170/4€24k€11k▼
Amounts payable within one year42/48€216k€74k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€103k€26k▼
Suppliers440/4€103k€26k▼
Taxes, remuneration and social security45€40k€15k▼
Taxes450/3€31k€15k▼
Remuneration and social security454/9€9k€588▼
Other amounts payable47/48€60k€20k▼
Accrued charges and deferred income492/3€6k€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€60k€32k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€2k▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€13k
Gross operating margin9900€109k€53k▼
Operating profit (loss)9901€41k€5k▼
Financial income75/76B€28€0▼
Recurring financial income75€28€0▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€35k€-1k▼
Profit (loss) for the period9904€35k€-1k▼
Profit (loss) for the period to be appropriated9905€35k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-70k€-71k▼
Profit (loss) brought forward from the previous period14P€-106k€-70k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-48k ▼1766%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Bonheiden · 2 establishment units 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.
Sint-Elooisweg 242820 BonheidenGround area
3,849 m²
Building footprint
539 m²
Volume, LiDAR
2,905 m³
2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Xpertvinum
since 20212.315.402.074
Xpertvinum
since 20242.366.481.482
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41010B1573/00L000 | Flanders | 2,179 m² | 1 · 203 m² | 7.3 m · 2 fl. |
| 12031D0302/00H000 | Flanders | 1,670 m² | 1 · 336 m² | 9.8 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBonheiden2.315.402.074
Similar companies · same sector, comparable size
MMS GROUP
BE 0723.646.031
Brussel · Eq €53k
Sélection et Service de Vins - Selectie en Service van Wijnen
BE 0420.967.825
Schaarbeek · Eq €54k
Bières de Quartiers
BE 0778.874.663
Watermaal-Bosvoorde · Eq €54k
FICHIBO
BE 0550.929.811
Nijlen · Eq €52k
BRASSERIE DU BORD DE MER
BE 0567.964.791
Oostende · Eq €52k
Of 1,581 companies in sector 46349 we hold annual accounts for 986. 615 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2004
Fiscal year end31-12
Activities, NACEBEL
46349Wholesale of beverages, general range
47251Retail sale of wines and spirits
51340
47252Retail sale of beverages, general range
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.