Summary
DE GROTE WINKEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €20.89M and a net result of €162k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 89% of 30 sector peers (fiscal year 2026). The company has been active since 2022 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 03-08-2026, 28 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2026
28 d early
2025
48 d early
2024
32 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, full schema
Equity
€20.89M▲ 0.8%
2025 · €20.73M
2024: €20.73M
2025: €20.73M
2024 → 2026
Net result
€162k
2025 · €-3k
2024: €-12k
2025: €-3k
2024 → 2026
Total assets
€21.24M=
2025 · €21.23M
2024: €20.74M
2025: €21.23M
2024 → 2026
Solvency
98.4%▲ 0.8pp
2025 · 97.6%
2024: 99.9%
2025: 97.6%
2024 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202420252026Trend
Equity€20.73M-€20.73M=€20.89M▲ 0.8%
Operating result€-12k-€-590▲ 95.1%€-8k▼ 1,236%
Net result€-12k-€-3k▲ 79.1%€162k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2026 against €590 in 2025; the loss grows.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €21.24M
Fixed assets
€21.23M =
Current assets
€5k ▲ 49.4%
Equity and liabilities €21.24M
Equity
€20.89M ▲ 0.8%
Debt
€346k ▼ 31.6%
Debt's share of the balance-sheet total falls from 2.4% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.8%▲
2025 · 0.0%
ROA
0.8%▲
2025 · 0.0%
Debt ≤ 1 year
€346k▼
2025 · €506k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 43 lines
Balance sheet
Code20252026
Assets
Total assets20/58€21.23M€21.24M=
Fixed assets21/28€21.23M€21.23M=
Financial fixed assets28€21.23M€21.23M=
Affiliated companies280/1-€21.23M
Participating interests280-€21.23M
Current assets29/58€4k€5k▲
Stocks and contracts in progress3-€0
Amounts receivable within one year40/41€0-
Other amounts receivable41€0-
Cash at bank and in hand54/58€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€21.23M€21.24M=
Equity10/15€20.73M€20.89M▲
Contributions10/11€20.74M€20.74M=
Capital10€20.74M€20.74M=
Issued capital100€20.74M€20.74M=
Reserves13-€147k
Non-distributable reserves130/1-€147k
Legal reserve130-€147k
Profit (loss) carried forward14€-15k€0▲
Amounts payable17/49€506k€346k▼
Amounts payable within one year42/48€506k€346k▼
Trade debts44-€6k
Suppliers440/4-€6k
Other amounts payable47/48€506k€340k▼
Income statement
Code20252026
Operating charges60/66A-€8k
Services and other goods61-€7k
Other operating charges640/8€505€520▲
Gross operating margin9900€-85-
Operating profit (loss)9901€-590€-8k▼
Financial income75/76B-€170k
Recurring financial income75-€170k
Income from financial fixed assets750-€170k
Financial charges65/66B€2k€178▼
Recurring financial charges65€2k€178▼
Debt charges650-€0
Other financial charges652/9-€178
Profit (loss) for the period before taxes9903€-3k€162k▲
Profit (loss) for the period9904€-3k€162k▲
Profit (loss) for the period to be appropriated9905€-3k€162k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€147k▲
Profit (loss) brought forward from the previous period14P€-12k€-15k▼
Transfer to equity691/2-€147k
To the legal reserve6920-€147k
The notes to these accounts (15 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 2027, expected by
2026
07-08
State Gazette act
Reappointment: Peeters-Govers NV (director)Permanent representative: Glenn Geys · Appointment: BV VYVEY & C°, BEDRIJFSREVISOREN (statutory auditor) · Flag6 facts ▸
State Gazette act
Reappointment: Peeters-Govers NV (director)
Permanent representative: Glenn Geys · Appointment: BV VYVEY & C°, BEDRIJFSREVISOREN (statutory auditor) · Flag6 facts ▸
- General meeting, 30/06/2025
- General meeting, 12/01/2026
- Director reappointment, Peeters-Govers NV (director)
- Permanent representative, Glenn Geys
- Auditor appointment, BV VYVEY & C°, BEDRIJFSREVISOREN (statutory auditor)
- Flag, The act lists 'DE GROTE WINKEL' as the company name in the header, but the signature block indicates the act is signed on behalf of 'Japeco BV'. This suggests a…
03-08
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
31-01
Financial
Back to profitnet €162k
Net result €162k after 2 loss-making years.
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2025
PEETERS-GOVERS
CurrentDirector · since 30-06-2025 · Public limited company · perm. rep.: Glenn Geys
30-06-2025
Mandate renewed as Director
Location & real-estate footprint
Registered office, Lille
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.
Kloosterstraat 582275 LilleGround area
1.9 ha
Building footprint
8,638 m²
Volume, LiDAR
63,509 m³
Parcel 13009C0717/00X006, Flanders · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0717/00X006 | Flanders | 1.9 ha | 1 · 8,638 m² | 9.6 m · 3 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.
Statutory auditor
1 auditor| VYVEY & C°, BEDRIJFSREVISORENCurrent Statutory auditor | 07-08-2026 → present |
Structure & network
Connections & network
4 connected companiesLinked via shared directors
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Shared corporate director
→
Similar companies · same sector, comparable size
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 4,203 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-12-2022
Fiscal year end31-01
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.