BARNOWSA
ActiveSummary
BARNOWSA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €385k and a net result of €98k. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 89% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency100▲+8
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 10.79 against 3.05 in 2024; short-term debt: 9.3% and cash: 0% of total assets), and 9.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
90.7%
Return on assets
23.1%
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 12-08-2026, 12 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 · 5 filingsDeviation from the deadline
2025
12 d late
2024
30 d early
2023
68 d late
2022
84 d late
2021
31 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€385k▲ 34.1%
2024 · €287k
2021: €71k
2022: €193k
2023: €276k
2024: €287k
2021 → 2025
Total assets
€424k▼ 0.7%
2024 · €427k
2021: €97k
2022: €349k
2023: €376k
2024: €427k
2021 → 2025
Net result
€98k▼ 12.1%
2024 · €111k
2021: €61k
2022: €121k
2023: €83k
2024: €111k
2021 → 2025
Working capital
€385k▲ 34.2%
2024 · €287k
2021: €71k
2022: €193k
2023: €275k
2024: €287k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€193k▲ 170%€276k▲ 43.2%€287k▲ 4.1%€385k▲ 34.1%
Operating result€76k-€154k▲ 103%€94k▼ 39.0%€131k▲ 40.0%€114k▼ 12.8%
Net result€61k-€121k▲ 97.1%€83k▼ 31.4%€111k▲ 34.1%€98k▼ 12.1%
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 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €424k
Fixed assets
€387 ▼ 10.2%
Current assets
€424k ▼ 0.6%
Equity and liabilities €424k
Equity
€385k ▲ 34.1%
Debt
€39k ▼ 71.9%
Debt's share of the balance-sheet total falls from 32.8% to 9.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€115k▼
2024 · €131k
Cash flow
€98k▼
2024 · €112k
Current ratio
10.79▲
2024 · 3.05
Debt to equity
0.10▼
2024 · 0.49
ROE
25.4%▼
2024 · 38.8%
ROA
23.1%▼
2024 · 26.1%
Interest coverage
739.29▲
2024 · -670.53
Debt ≤ 1 year
€39k▼
2024 · €140k
Income taxes
€35k▲
2024 · €33k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€427k€424k▼
Fixed assets21/28€431€387▼
Tangible fixed assets22/27€431€186▼
Plant, machinery and equipment23€431€186▼
Furniture and vehicles24€0-
Financial fixed assets28-€201
Current assets29/58€427k€424k▼
Amounts receivable after more than one year29€192k€192k=
Other amounts receivable291€192k€192k=
Amounts receivable within one year40/41€154k€150k▼
Trade receivables40€0-
Other amounts receivable41€154k€150k▼
Current investments50/53€61k€58k▼
Cash at bank and in hand54/58€3k€150▼
Deferred charges and accrued income490/1€17k€25k▲
Equity and liabilities
Total equity and liabilities10/49€427k€424k▼
Equity10/15€287k€385k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€277k€375k▲
Amounts payable17/49€140k€39k▼
Amounts payable within one year42/48€140k€39k▼
Financial debts43-€2k
Credit institutions430/8-€2k
Other loans439-€175
Trade debts44€9k€11k▲
Suppliers440/4€9k€11k▲
Taxes, remuneration and social security45€31k€26k▼
Taxes450/3€31k€26k▼
Other amounts payable47/48€100k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€245€245=
Other operating charges640/8€433€450▲
Gross operating margin9900€132k€115k▼
Operating profit (loss)9901€131k€114k▼
Financial income75/76B€13k€18k▲
Recurring financial income75€13k€18k▲
Financial charges65/66B€-196€155▲
Recurring financial charges65€-196€155▲
Profit (loss) for the period before taxes9903€145k€132k▼
Income taxes67/77€33k€35k▲
Profit (loss) for the period9904€111k€98k▼
Profit (loss) for the period to be appropriated9905€111k€98k▼
Appropriation of the result
Profit (loss) to be appropriated9906€377k€375k▼
Profit (loss) brought forward from the previous period14P€266k€277k▲
Profit to be distributed694/7€100k€0▼
Return on contributions (dividend)694€100k€0▼
The notes to these accounts (10 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Liquidity quadruplescurrent ratio 10.79
Current ratio from 3.05 to 10.79; short-term debt falls from €140k to €39k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Equity above €200kEq €276k ▲43.2%
3 profitable years in a row build equity to €276k.
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 84 days late
2022
31-12
Financial
Highest result since 2021net €121k ▲97.1%
Operating result €154k, net result €121k, both a record.
31-12
Financial
Equity above €150kEq €193k ▲170%
2 profitable years in a row build equity to €193k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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, Brussel · 1 establishment unit 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.
Naamsestraat 711000 BrusselGround area
2,020 m²
Building footprint
1,204 m²
Volume, LiDAR
20,786 m³
Parcel 21808H1887/00A000, Brussels · tallest building 25.6 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
BARNOWSA
since 20212.318.136.880
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H1887/00A000 | Brussels | 2,020 m² | 1 · 1,204 m² | 25.6 m · 7 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.
Recognitions · licences · registrations
Legal Entity Identifier
64889E3B9D0GJ9O25I25
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 36,626 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 formPrivate limited company
Founded24-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46711Wholesale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.