BANOW
ActiveSummary
BANOW has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €4k. Its solvency ranks better than 23% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▼-6
Solvency47▲+4
Growth52
Track record82
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.05 in 2024; short-term debt: 35.3% and cash: 6.3% of total assets), and 77.6% of the assets are financed with debt.
Credit check 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
22.4%
Return on assets
2.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 17090 sector peers (2025).
NBB · sector comparisonPosition among 17090 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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 · 2 filingsDeviation from the deadline
2025
40 d late
2024
31 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€147k
EBIT margin
7.7%
Net result
€4k▼ 83.0%
2024 · €21k
Working capital
€13k▲ 516%
2024 · €2k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Turnover€147k
Operating result€32k-€11k▼ 65.0%
Net result€21k-€4k▼ 83.0%
EBIT margin7.7%
Equity€25k-€29k▲ 14.3%
Total assets€142k-€130k▼ 8.4%
Debt€116k-€101k▼ 13.4%
Working capital€2k-€13k▲ 516%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€71k ▼ 25.6%
Current assets
€59k ▲ 29.7%
Equity and liabilities €130k
Equity
€29k ▲ 14.3%
Debt
€101k ▼ 13.4%
Debt's share of the balance-sheet total falls from 82.0% to 77.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▼
2024 · €39k
Cash flow
€29k▲
2024 · €28k
Current ratio
1.28▲
2024 · 1.05
Debt to equity
3.46▼
2024 · 4.56
ROE
12.5%▼
2024 · 84.3%
ROA
2.8%▼
2024 · 15.2%
Interest coverage
8.31▼
2024 · 10.14
Debt ≤ 1 year
€46k▲
2024 · €43k
Debt > 1 year
€55k▼
2024 · €73k
Income taxes
€3k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Turnover70 | - | €147k | - |
| Goods, raw materials, services and sundry goods60/61 | - | €114k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €25k | ▲ 277% |
| Other operating charges640/8 | €6k | €3k | ▼ 55.4% |
| Gross operating margin9900 | €45k | €39k | ▼ 12.3% |
| Operating profit (loss)9901 | €32k | €11k | ▼ 65.0% |
| Financial charges65/66B | €4k | €4k | ▲ 15.0% |
| Recurring financial charges65 | €4k | €4k | ▲ 15.0% |
| Profit (loss) for the period before taxes9903 | €28k | €7k | ▼ 75.9% |
| Income taxes67/77 | €7k | €3k | ▼ 53.4% |
| Profit (loss) for the period9904 | €21k | €4k | ▼ 83.0% |
| Profit (loss) for the period to be appropriated9905 | €21k | €4k | ▼ 83.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €142k | €130k | ▼ 8.4% |
| Formation expenses20 | €1k | - | - |
| Fixed assets21/28 | €96k | €71k | ▼ 25.6% |
| Intangible fixed assets21 | €0 | - | - |
| Tangible fixed assets22/27 | €95k | €71k | ▼ 25.6% |
| Furniture and vehicles24 | €48k | €34k | ▼ 29.4% |
| Leasing and similar rights25 | €47k | €37k | ▼ 21.8% |
| Financial fixed assets28 | €236 | €235 | ▼ 0.5% |
| Current assets29/58 | €45k | €59k | ▲ 29.7% |
| Amounts receivable within one year40/41 | €37k | €49k | ▲ 31.6% |
| Trade receivables40 | €26k | €28k | ▲ 5.0% |
| Other amounts receivable41 | €11k | €22k | ▲ 94.4% |
| Cash at bank and in hand54/58 | €7k | €8k | ▲ 20.8% |
| Deferred charges and accrued income490/1 | €1k | €1k | ▲ 22.2% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €142k | €130k | ▼ 8.4% |
| Equity10/15 | €25k | €29k | ▲ 14.3% |
| Contributions10/11 | €4k | €4k | = |
| Profit (loss) carried forward14 | €21k | €25k | ▲ 17.0% |
| Amounts payable17/49 | €116k | €101k | ▼ 13.4% |
| Amounts payable after more than one year17 | €73k | €55k | ▼ 24.9% |
| Financial debts170/4 | €73k | €55k | ▼ 24.9% |
| Amounts payable within one year42/48 | €43k | €46k | ▲ 6.1% |
| Current portion of amounts payable after more than one year42 | €18k | €18k | ▲ 2.4% |
| Trade debts44 | €8k | €5k | ▼ 37.1% |
| Suppliers440/4 | €8k | €5k | ▼ 37.1% |
| Taxes, remuneration and social security45 | €15k | €17k | ▲ 14.5% |
| Taxes450/3 | €10k | €17k | ▲ 76.1% |
| Remuneration and social security454/9 | €5k | - | - |
| Other amounts payable47/48 | €2k | €5k | ▲ 129% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €4k | ▼ 83.0% |
| + Depreciation and write-downs630 | €7k | €25k | ▲ 277% |
| Operating cash flow (approximation) | €28k | €29k | ▲ 3.0% |
| Investment in fixed assets (approximation) | - | €-1k | - |
| Change in cash | - | €1k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Durbuy · 1 establishment unit since 2023
Ground area
1,131 m²
Building footprint
96 m²
Parcel 83016C0676/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BANOW
since 20232.354.130.414
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83016C0676/00P000 | Wallonia | 1,131 m² | 1 · 96 m² | - |
Linked by address, not proof of ownership
Good to know
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
CROSSFUNCTIONAL
BE 0475.520.625
Berlare · Eq €29,143
AB INITIO
BE 0447.348.954
Ukkel · Eq €29,149
OUT OF IT
BE 0742.501.247
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OZTECH
BE 0686.956.770
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NANDA CONSULTANCY SERVICES
BE 1023.836.483
Gent · Eq €29,123
Of 30,002 companies in sector 62200 we hold annual accounts for 18,390. 14,240 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
82100Office administrative and support services
82910Office administrative, office support and other business support activities
82990Other business support services
95100Repair and maintenance of computers and communication equipment
Contact
E-mail
info@banow.be
Phone
0471687807
Scores and ratios are computed by Checked and are not a credit decision.