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Bowi

Active
KBO/BCE: BE 0792.644.408
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Age3 yrs
Real estate1 parcel · 1,055 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Bowi is 1.1% (low). The 2024 annual accounts show negative equity (€-32k) and a net result of €3k. Its solvency ranks better than 14% of 4968 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.1% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 4968 sector peers (2024).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 22 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 30-06-2025 31 d early 2025-00201185
31-12-2023 31-07-2024 31-07-2024 on the day 2024-00321854

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€3k
Working capital€27k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · micro
€-60k€-40k€-20k€0€20kOperating result 2023: €-35k€-35kNet result 2023: €-45k€-45kOperating result 2024: €13k€13kNet result 2024: €3k€3k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -9.6% 16.7%
better than 14% of 4968 sector peers
Net result €3k €2k
better than 52% of 4960 sector peers
Equity €-32k €27k
better than 13% of 4971 sector peers
Gross operating margin €57k €27k
better than 70% of 4954 sector peers
Total assets €332k €302k
better than 52% of 4970 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€55k
+256.3% 23-24
Net profit
€3k
- 23-24
Cash flow
€45k
+861.1% 23-24
Total assets
€332k
-3.6% 23-24
Equity
€-32k
+9.2% 23-24
Working capital
€27k
- 23-24
Debt
€364k
-4.1% 23-24
Debt ≤ 1y
€18k
+8.0% 23-24
Show 8 other metrics
Debt > 1y
€346k
-4.7% 23-24
Current ratio
2.49
+160.2% 23-24
Quick ratio
2.49
+160.2% 23-24
Solvency
-9.6%
+5.8% 23-24
Debt / equity
-11.38
-5.6% 23-24
ROE
-10.1%
- 23-24
ROA
1.0%
- 23-24
Interest coverage
5.55
+325.1% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€55k
Net profit€3k
Cash flow€45k
Staff costs-
Income taxes-
Dividends-
Total assets€332k
Equity€-32k
Debt€364k
of which ≤ 1y€18k
of which > 1y€346k
Working capital€27k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.49
Quick ratio2.49
Working capital ratio8.2%
Solvency-9.6%
Debt / equity-11.38
Long-term debt ratio-10.81
Interest coverage5.55
Gross margin-
Net margin-
ROA1.0%
ROE-10.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€332k
Fixed assets 21/28€287k
Tangible fixed assets 22/27€287k
Current assets 29/58€45k
Amounts receivable within one year 40/41€120
Cash & bank 54/58€45k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€332k
Equity 10/15€-32k
Contributions / capital 10/11€10k
Accumulated profits (losses) 14€-42k
Amounts payable 17/49€364k
Amounts payable after one year 17€346k
Amounts payable within one year 42/48€18k
Trade debts payable within one year 44€387
Income statement
Gross operating margin 9900€57k
Operating result 9901€13k
Financial charges 65€10k
Result before taxes 9903€3k
Net result for the period 9904€3k
Result to be appropriated 9905€3k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
46 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Schriek 52910 Essen

Establishment units

1 location
Bowi
Schriek 5, 2910 EssenVerhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
since 20222.337.412.760
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,055 m²
Buildings1
Building footprint155 m²
Volume (LiDAR)1,009 m³
Tallest building9.1 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11016B0576/00Z000 Flanders 1,055 m² 1 · 155 m² 9.1 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

5 of 5 axes measured
Health46Profitability0Solvency67Growth78Stability94
57 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 46
Profitability 0
Solvency 67
Growth 78
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 1,111 of the 11,952 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203
Primary activity highlighted.
Names & trade names
Legal nameNL Bowi
Registered office
Schriek 5
2910 Essen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.