bow architecten
ActiveSummary
bow architecten has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €102k and a net result of €86k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+29
Solvency55▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.0 in 2023; short-term debt: 28.1% and cash: 9.7% of total assets), and 70% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €102k
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 02-04-2025, 120 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
120 d early
2023
113 d early
2022
62 d early
2021
11 d early
2020
171 d early
2019
115 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€102k▲ 470%
2023 · €18k
2018: €7k
2019: €18k
2020: €40k
2021: €-17k
2022: €585
2023: €18k
2018 → 2024
Total assets
€341k▲ 87.7%
2023 · €182k
2018: €110k
2019: €157k
2020: €160k
2021: €211k
2022: €160k
2023: €182k
2018 → 2024
Net result
€86k▲ 396%
2023 · €17k
2018: €1k
2019: €11k
2020: €24k
2021: €-57k
2022: €17k
2023: €17k
2018 → 2024
Working capital
€11k
2023 · €-420
2018: €3k
2019: €27k
2020: €53k
2021: €16k
2022: €-7k
2023: €-420
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€40k-€-17k€585€18k▲ 2,973%€102k▲ 470%
Operating result€36k-€-53k€23k€32k▲ 37.8%€129k▲ 300%
Net result€24k-€-57k€17k€17k▲ 0.4%€86k▲ 396%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 300% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €341k
Fixed assets
€234k ▲ 311%
Current assets
€107k ▼ 14.3%
Equity and liabilities €341k
Equity
€102k ▲ 470%
Debt
€239k ▲ 45.8%
Debt's share of the balance-sheet total falls from 90.1% to 70.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€135k▲
2023 · €39k
Cash flow
€92k▲
2023 · €24k
Current ratio
1.12▲
2023 · 1.00
Quick ratio
0.77▲
2023 · 0.33
Debt to equity
2.33▼
2023 · 9.12
ROE
84.1%▼
2023 · 96.7%
ROA
25.3%▲
2023 · 9.6%
Interest coverage
9.98▲
2023 · 4.85
Debt ≤ 1 year
€96k▼
2023 · €125k
Debt > 1 year
€143k▲
2023 · €39k
Income taxes
€29k▲
2023 · €7k
Staff costs
€47k▼
2023 · €147k
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 · 2024 against 2023 · 60 lines
Balance sheet
Code20232024
Assets
Total assets20/58€182k€341k▲
Fixed assets21/28€57k€234k▲
Intangible fixed assets21€287€0▼
Tangible fixed assets22/27€46k€30k▼
Furniture and vehicles24€21k€7k▼
Other tangible fixed assets26€25k€22k▼
Financial fixed assets28€11k€205k▲
Current assets29/58€125k€107k▼
Amounts receivable after more than one year29€4k€4k▲
Other amounts receivable291€4k€4k▲
Stocks and contracts in progress3€83k€33k▼
Contracts in progress37€83k€33k▼
Amounts receivable within one year40/41€33k€33k▲
Trade receivables40€21k€29k▲
Other amounts receivable41€12k€4k▼
Cash at bank and in hand54/58-€33k
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€182k€341k▲
Equity10/15€18k€102k▲
Contributions10/11€6k€6k=
Reserves13€34k€96k▲
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€33k€95k▲
Profit (loss) carried forward14€-22k€0▲
Amounts payable17/49€164k€239k▲
Amounts payable after more than one year17€39k€143k▲
Financial debts170/4€31k€143k▲
Other amounts payable178/9€8k€0▼
Amounts payable within one year42/48€125k€96k▼
Current portion of amounts payable after more than one year42€17k€37k▲
Financial debts43€40k€25k▼
Credit institutions430/8€40k€25k▼
Trade debts44€32k€8k▼
Suppliers440/4€32k€8k▼
Taxes, remuneration and social security45€37k€24k▼
Taxes450/3€20k€17k▼
Remuneration and social security454/9€17k€7k▼
Other amounts payable47/48€144€2k▲
Accrued charges and deferred income492/3-€458
Income statement
Code20232024
Non-recurring operating income76A-€108k
Remuneration, social security and pensions62€147k€47k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€9k€3k▼
Gross operating margin9900€194k€184k▼
Operating profit (loss)9901€32k€129k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€8k€13k▲
Recurring financial charges65€8k€13k▲
Profit (loss) for the period before taxes9903€24k€116k▲
Income taxes67/77€7k€29k▲
Profit (loss) for the period9904€17k€86k▲
Profit (loss) for the period to be appropriated9905€17k€86k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€64k▲
Profit (loss) brought forward from the previous period14P€-40k€-22k▲
Transfer to equity691/2-€62k
To other reserves6921-€62k
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €86k ▲396%
Operating result €129k, net result €86k, both a record.
31-12
Financial
Equity above €100kEq €102k ▲470%
3 profitable years in a row build equity to €102k.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-57k ▼337%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
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, Roeselare · 2 establishment units since 2017
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.
Tulpenstraat 118800 RoeselareGround area
2,209 m²
Building footprint
378 m²
Volume, LiDAR
2,008 m³
2 parcels, Flanders · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
bow architecten
since 20172.261.908.059
bow architecten
since 20182.292.888.770
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B0658/00P002 | Flanders | 1,289 m² | 1 · 233 m² | 5.0 m · 1 fl. |
| 36017A0764/00Z000 | Flanders | 920 m² | 1 · 145 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 to 2024 · 3 entries · 2,231 EUR awarded · 2,231 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 48 EUR | 48 EUR |
| 2023 | 1 | 132 EUR | 132 EUR |
| 2022 | 1 | 2,051 EUR | 2,051 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,472 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 (pre-2019)
Founded14-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.