BOUWERS
ActiveThe computed 12-month bankruptcy probability of BOUWERS is 2.2% (moderate). The 2024 annual accounts show equity of €27k and a net result of €4k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 15% of 2095 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability67▼-2
Solvency32▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 4.32 against 1.07 in 2023; short-term debt: 22.7% and cash: 55.3% of total assets), but 92.9% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
7.1%
Return on assets
1.2%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2095 sector peers (2024).
NBB · sector comparisonPosition among 2095 sector peers
Solvency
better than 15%
← weakest
strongest →
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 23-05-2025, 69 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
69 d early
2023
36 d early
2022
32 d early
2021
34 d early
2020
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€27k▲ 20.0%
2023 · €22k
2020: €4k
2021: €19k
2022: €21k
2023: €22k
2020 → 2024
Total assets
€376k▲ 10.0%
2023 · €342k
2020: €13k
2021: €141k
2022: €383k
2023: €342k
2020 → 2024
Net result
€4k▲ 284%
2023 · €1k
2020: €-2k
2021: €15k
2022: €2k
2023: €1k
2020 → 2024
Working capital
€285k▲ 1,230%
2023 · €21k
2020: €2k
2021: €4k
2022: €75k
2023: €21k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€4k-€19k▲ 395%€21k▲ 9.1%€22k▲ 5.5%€27k▲ 20.0%
Operating result€-2k-€22k€3k▼ 86.6%€451▼ 84.6%€494▲ 9.4%
Net result€-2k-€15k€2k▼ 88.6%€1k▼ 34.3%€4k▲ 284%
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 recovers in 2024; 2024 is 9% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €376k
Fixed assets
€6k▼ 77.0%
Current assets
€370k▲ 17.5%
Equity and liabilities €376k
Equity
€27k▲ 20.0%
Debt
€350k▲ 9.3%
The debt ratio falls from 93.5% to 92.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€6k▼
2023 · €13k
Cash flow
€10k▼
2023 · €13k
Solvency
7.1%▲
2023 · 6.5%
Current ratio
4.32▲
2023 · 1.07
Quick ratio
4.32▲
2023 · 1.07
Debt / equity
13.13▼
2023 · 14.41
ROE
16.7%▲
2023 · 5.2%
ROA
1.2%▲
2023 · 0.3%
Interest coverage
5.66▼
2023 · 136.16
Debt
€350k▲
2023 · €320k
Debt ≤ 1 year
€86k▼
2023 · €294k
Income taxes
€2k▼
2023 · €3k
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€342k€376k▲
Fixed assets21/28€27k€6k▼
Tangible fixed assets22/27€27k€6k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€23k€3k▼
Current assets29/58€315k€370k▲
Amounts receivable within one year40/41€236k€157k▼
Trade receivables40€223k€136k▼
Other amounts receivable41€13k€21k▲
Cash at bank and in hand54/58€45k€208k▲
Deferred charges and accrued income490/1€34k€5k▼
Equity and liabilities
Total equity and liabilities10/49€342k€376k▲
Equity10/15€22k€27k▲
Contributions10/11€6k€6k=
Reserves13€16k€21k▲
Distributable reserves133€16k€21k▲
Amounts payable17/49€320k€350k▲
Amounts payable within one year42/48€294k€86k▼
Trade debts44€290k€85k▼
Suppliers440/4€290k€85k▼
Taxes, remuneration and social security45€3k€626▼
Taxes450/3€3k€626▼
Other amounts payable47/48€277€9▼
Accrued charges and deferred income492/3€26k€264k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€5k▼
Other operating charges640/8€4k€1k▼
Gross operating margin9900€17k€7k▼
Operating profit (loss)9901€451€494▲
Financial income75/76B€4k€7k▲
Recurring financial income75€4k€3k▼
Non-recurring financial income76B-€4k
Financial charges65/66B€93€1k▲
Recurring financial charges65€93€1k▲
Profit (loss) for the period before taxes9903€4k€6k▲
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€1k€4k▲
Profit (loss) for the period to be appropriated9905€1k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€4k▲
Transfer to equity691/2€1k€4k▲
To other reserves6921€1k€4k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 4.32
Current ratio from 1.07 to 4.32; short-term debt falls from €294k to €86k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oud-Heverlee · 1 establishment unit since 2020
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.
Waversebaan 953050 Oud-HeverleeGround area
4,791 m²
Building footprint
129 m²
Volume, LiDAR
802 m³
Parcel 24086B0273/00D000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bouwers
since 20202.301.700.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24086B0273/00D000 | Flanders | 4,791 m² | 1 · 129 m² | 8.6 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 89 EUR awarded · 89 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 89 EUR | 89 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,196 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-04-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.
Contact details
2 entriesWebsite:www.bouwers.be
E-mail:info@bouwers.be