Blou
ActiveSummary
Blou has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €493k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 7058 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency63▼-37
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 1.5 against 5.97 in 2024; short-term debt: 60.9% and cash: 32.1% of total assets), but 61.6% of the assets are financed with debt.
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Signals
Three 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
38.4%
Return on assets
150.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-03-2026, 127 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
127 d early
2024
140 d early
2023
71 d early
2022
164 d early
2021
33 d early
2020
58 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
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€126k▼ 61.4%
2024 · €326k
Total assets
€328k▼ 15.8%
2024 · €389k
Net result
€493k▼ 20.0%
2024 · €616k
Working capital
€101k▼ 67.9%
2024 · €314k
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
Line20212022202320242025
Operating result€649k▲ 585%€707k▲ 9.0%€754k▲ 6.6%€816k▲ 8.2%€679k▼ 16.8%
Net result€485k▲ 604%€519k▲ 7.1%€587k▲ 13.1%€616k▲ 4.9%€493k▼ 20.0%
Equity€560k▲ 648%€1.08M▲ 92.8%€160k▼ 85.2%€326k▲ 104%€126k▼ 61.4%
Total assets€754k▲ 516%€1.46M▲ 94.0%€539k▼ 63.2%€389k▼ 27.7%€328k▼ 15.8%
Debt€194k▲ 309%€384k▲ 97.5%€379k▼ 1.3%€63k▼ 83.3%€202k▲ 220%
Working capital€544k▲ 651%€1.07M▲ 96.0%€151k▼ 85.9%€314k▲ 108%€101k▼ 67.9%
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 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €328k
Fixed assets
€28k ▲ 122%
Current assets
€300k ▼ 20.3%
Equity and liabilities €328k
Equity
€126k ▼ 61.4%
Debt
€202k ▲ 220%
Debt's share of the balance-sheet total rises from 16.2% to 61.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€684k▼
2024 · €820k
Cash flow
€497k▼
2024 · €621k
Current ratio
1.50▼
2024 · 5.97
Debt to equity
1.60▲
2024 · 0.19
ROE
391.1%▲
2024 · 188.8%
ROA
150.2%▼
2024 · 158.2%
Interest coverage
151.22▲
2024 · 49.50
Debt ≤ 1 year
€200k▲
2024 · €63k
Income taxes
€182k▼
2024 · €205k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €4k | €4k | €4k | €5k | ▲ 4.9% |
| Other operating charges640/8 | €253 | €540 | €964 | €2k | €2k | ▼ 15.8% |
| Gross operating margin9900 | €652k | €712k | €759k | €822k | €685k | ▼ 16.7% |
| Operating profit (loss)9901 | €649k | €707k | €754k | €816k | €679k | ▼ 16.8% |
| Financial income75/76B | €7k | €19k | €5k | €22k | €243 | ▼ 98.9% |
| Recurring financial income75 | €7k | €19k | €5k | €22k | €243 | ▼ 98.9% |
| Financial charges65/66B | €6k | €28k | €-23k | €17k | €5k | ▼ 72.7% |
| Recurring financial charges65 | €6k | €28k | €-23k | €17k | €5k | ▼ 72.7% |
| Profit (loss) for the period before taxes9903 | €651k | €698k | €782k | €822k | €675k | ▼ 17.9% |
| Income taxes67/77 | €166k | €178k | €195k | €205k | €182k | ▼ 11.5% |
| Profit (loss) for the period9904 | €485k | €519k | €587k | €616k | €493k | ▼ 20.0% |
| Profit (loss) for the period to be appropriated9905 | €485k | €519k | €587k | €616k | €493k | ▼ 20.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €754k | €1.46M | €539k | €389k | €328k | ▼ 15.8% |
| Formation expenses20 | €50 | €50 | €0 | - | - | - |
| Fixed assets21/28 | €16k | €13k | €9k | €12k | €28k | ▲ 122% |
| Tangible fixed assets22/27 | €16k | €13k | €9k | €12k | €28k | ▲ 122% |
| Plant, machinery and equipment23 | €1k | €689 | €273 | €0 | - | - |
| Furniture and vehicles24 | €12k | €10k | €7k | €10k | €26k | ▲ 150% |
| Other tangible fixed assets26 | €3k | €3k | €2k | €2k | €2k | ▼ 16.4% |
| Current assets29/58 | €738k | €1.45M | €529k | €377k | €300k | ▼ 20.3% |
| Amounts receivable within one year40/41 | €45k | €622k | €56k | €54k | €64k | ▲ 19.3% |
| Trade receivables40 | €45k | €48k | €54k | €54k | €56k | ▲ 3.8% |
| Other amounts receivable41 | €0 | €574k | €2k | €0 | €8k | - |
| Current investments50/53 | €205k | €196k | €249k | €128k | €128k | = |
| Cash at bank and in hand54/58 | €487k | €611k | €221k | €191k | €105k | ▼ 44.7% |
| Deferred charges and accrued income490/1 | €751 | €21k | €3k | €5k | €4k | ▼ 31.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €754k | €1.46M | €539k | €389k | €328k | ▼ 15.8% |
| Equity10/15 | €560k | €1.08M | €160k | €326k | €126k | ▼ 61.4% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €120k | €120k | €120k | €120k | €120k | = |
| Distributable reserves133 | €120k | €120k | €120k | €120k | €120k | = |
| Profit (loss) carried forward14 | €434k | €953k | €34k | €200k | €0 | ▼ 100% |
| Amounts payable17/49 | €194k | €384k | €379k | €63k | €202k | ▲ 220% |
| Amounts payable within one year42/48 | €194k | €384k | €379k | €63k | €200k | ▲ 216% |
| Trade debts44 | €3k | €6k | €7k | €10k | €6k | ▼ 39.9% |
| Suppliers440/4 | €3k | €6k | €7k | €10k | €6k | ▼ 39.9% |
| Taxes, remuneration and social security45 | €187k | €367k | €217k | €45k | €37k | ▼ 18.3% |
| Taxes450/3 | €187k | €367k | €217k | €45k | €37k | ▼ 18.3% |
| Remuneration and social security454/9 | €583 | €0 | - | - | - | - |
| Other amounts payable47/48 | €4k | €11k | €154k | €8k | €157k | ▲ 1,864% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €485k | €519k | €587k | €616k | €493k | ▼ 20.0% |
| + Depreciation and write-downs630 | €3k | €4k | €4k | €4k | €5k | ▲ 4.9% |
| Operating cash flow (approximation) | €488k | €523k | €591k | €621k | €497k | ▼ 19.8% |
| Investment in fixed assets (approximation) | - | €-1k | €-50 | €-7k | €-20k | ▼ 168% |
| Change in cash | - | €123k | €-390k | €-30k | €-85k | ▼ 180% |
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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €616k ▲4.9%
Operating result €816k, net result €616k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 5.97
Current ratio from 1.40 to 5.97; short-term debt falls from €379k to €63k.
31-12
Financial
Equity above €200kEq €326k ▲104%
5 profitable years in a row build equity to €326k.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €1MEq €1.08M ▲92.8%
3 profitable years in a row build equity to €1.08M.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €560k ▲648%
2 profitable years in a row build equity to €560k.
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Sint-Martens-Latem · 1 establishment unit since 2020
Ground area
1,464 m²
Building footprint
250 m²
Volume, LiDAR
1,076 m³
Parcel 44064A0087/00A000, Flanders · tallest building 6.5 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BLOU
since 20202.304.362.484
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064A0087/00A000 | Flanders | 1,464 m² | 1 · 250 m² | 6.5 m · 1 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
8755008J64JC92IDZZ19
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,899. 5,530 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
Founded03-07-2020
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.