BOUWMOWA
ActiveBOUWMOWA has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €-2k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 47% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-10
Solvency65▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.71 against 1.16 in 2024; short-term debt: 57.5% and cash: 16.3% of total assets), but 59.6% 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.
−lowers risk+raises risk○neutral
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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
40.4%
Return on assets
-5.4%
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 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
29 d late
2023
61 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 11.8%
2024 · €16k
2018: €9k
2019: €1k
2020: €22k
2021: €18k
2022: €24k
2023: €17k
2024: €16k
2018 → 2025
Total assets
€34k▼ 27.6%
2024 · €48k
2018: €20k
2019: €16k
2020: €31k
2021: €30k
2022: €42k
2023: €38k
2024: €48k
2018 → 2025
Net result
€-2k▼ 116%
2024 · €-864
2018: €9k
2019: €-8k
2020: €21k
2021: €-4k
2022: €5k
2023: €-7k
2024: €-864
2018 → 2025
Working capital
€14k▲ 190%
2024 · €5k
2018: €9k
2019: €685
2020: €20k
2021: €14k
2022: €16k
2023: €9k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€24k▲ 28.4%€17k▼ 29.9%€16k▼ 5.2%€14k▼ 11.8%
Operating result€-3k-€7k€-6k€422€-957
Net result€-4k-€5k€-7k€-864▲ 87.8%€-2k▼ 116%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €957 after €422 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€500▼ 95.7%
Current assets
€34k▼ 5.6%
Equity and liabilities €34k
Equity
€14k▼ 11.8%
Debt
€21k▼ 35.4%
The debt ratio falls from 66.8% to 59.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-830▼
2024 · €764
Cash flow
€-2k▼
2024 · €-522
Solvency
40.4%▲
2024 · 33.2%
Current ratio
1.71▲
2024 · 1.16
Quick ratio
1.71▲
2024 · 1.16
Debt / equity
1.47▼
2024 · 2.01
ROE
-13.4%▼
2024 · -5.5%
ROA
-5.4%▼
2024 · -1.8%
Interest coverage
-1.26▼
2024 · 0.65
Debt
€21k▼
2024 · €32k
Debt ≤ 1 year
€20k▼
2024 · €31k
Debt > 1 year
€710=
2024 · €710
Income taxes
€254▲
2024 · €102
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€48k€34k▼
Fixed assets21/28€12k€500▼
Tangible fixed assets22/27€11k-
Furniture and vehicles24€127-
Assets under construction and advance payments27€11k-
Financial fixed assets28€500€500=
Current assets29/58€36k€34k▼
Amounts receivable within one year40/41€28k€20k▼
Trade receivables40€16k€14k▼
Other amounts receivable41€11k€6k▼
Cash at bank and in hand54/58€8k€6k▼
Deferred charges and accrued income490/1-€9k
Equity and liabilities
Total equity and liabilities10/49€48k€34k▼
Equity10/15€16k€14k▼
Contributions10/11€6k€6k=
Reserves13€16k€14k▼
Distributable reserves133€16k€14k▼
Profit (loss) carried forward14€-7k€-7k▼
Amounts payable17/49€32k€21k▼
Amounts payable after more than one year17€710€710=
Financial debts170/4€710€710=
Amounts payable within one year42/48€31k€20k▼
Current portion of amounts payable after more than one year42€3k-
Financial debts43€846€855▲
Credit institutions430/8€846€855▲
Trade debts44-€7k
Suppliers440/4-€7k
Other amounts payable47/48€27k€12k▼
Income statement
Code20242025
Non-recurring operating income76A€127-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€342€127▼
Other operating charges640/8€902€409▼
Gross operating margin9900€2k€-420▼
Operating profit (loss)9901€422€-957▼
Financial income75/76B-€4
Recurring financial income75-€4
Financial charges65/66B€1k€659▼
Recurring financial charges65€1k€659▼
Profit (loss) for the period before taxes9903€-761€-2k▼
Income taxes67/77€102€254▲
Profit (loss) for the period9904€-864€-2k▼
Profit (loss) for the period to be appropriated9905€-864€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-8k▼
Profit (loss) brought forward from the previous period14P€-6k€-7k▼
Transfer from equity791/2-€2k
The notes to these accounts (7 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.31
Current ratio from 1.05 to 3.31; short-term debt falls from €15k to €9k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-8k ▼188%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Aartselaar · 1 establishment unit since 2006
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.
Pierstraat 3722630 AartselaarGround area
313 m²
Building footprint
145 m²
Volume, LiDAR
702 m³
Parcel 11372D0328/00R003, Flanders · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bouwmowa
since 20062.151.289.556
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11372D0328/00R003 | Flanders | 313 m² | 1 · 144 m² | 10.5 m · 1 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 · 299 EUR awarded · 299 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 299 EUR | 299 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 10,446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2005
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:015/559838