Equity
€1.6m ▼ 2.1%
BOWI paid out €71,429 in dividends. That is 185% of the 2025 profit.
BOWI
Lifetime
19 annual accounts with figures on one time axis, 37 filings since 1987peak €548,395 (2009)
€194,039▼ 36.9%
lowest -€114,308 (2010)
€38,535▼ 62.1%
peak €1.6m (2024)
€1.6m▼ 2.1%
€334,773▲ 7.5%
peak 0 FTE (2023)
-not published
Board4 names since 2019
3 directorsJean-Charles Wibo and 2 others
Documentsfilings and deeds
03-03-202658 days before the deadline
2025abbreviated format
Gross margin from €307,651 to €194,039Result from €101,609 to €38,535Dividend €71,429
Key points
from the 2025 annual accountsChecked score
94
Excellent
Financially stronger than 50% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: 0.1%▲ +0.1 percentage points vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026highest value
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: < 0.1%▼ -0.1 percentage points vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €1.9m
Sector: Activities of head offices; management consultancy activities (NACE 70)
Figures for financial year 2025 (filed on 03-03-2026)
Equity €1.6m (82.4% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 45% on liquidity, 35% on profitability and 36% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as BOWI has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BOWI itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 14,766 companies, not a prediction for BOWI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €140,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.39 (5.53 in 2024), above the usual 1.5. Short-term debt is 12.6% and cash 5.2% of total assets. 17.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-03-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 days early
2024
on the day
2023
13 days early
2022
93 days early
2021
3 days early
2020
on the day
2019
31 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 28 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 18 April (4 of the last 5 accounts filed within 46 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end11-11-2026 today30-04-2027 deadline
Recent changes
Registered office moved from Etterbeek to Sint-Genesius-Rode
New registered office: Linkebeeksedreef 21, 1640 Sint-Genesius-Rode · Previous registered office: Pater De Dekenstraat 28, 1040 Etterbeek · Board meeting of 20-06-2024 · Gazette deed
Resignation: Anne VAN DEN BERGHE (director)
Director discharge: Anne VAN DEN BERGHE · General meeting of 23-11-2023 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0430646247
Transfer of 15 shares from Ateliers Vlassenroot to BOWI
Cancellation of 15 shares · Resignations: WIBO Jean, VAN DEN BERGHE Anne and WIBO Nicolas · Appointments: WIBO Jean, VAN DEN BERGHE Anne and WIBO Nicolas · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BOWI Sint-Genesius-Rode | €1.9m | €194,039 | 82.4% | - |
| QMLM CONSULTANTS Grimbergen | €1.8m | €190,506 | 58.2% | - |
| INSTITUTE FOR MANAGEMENT AND PERSONNEL ADVICE CONSULTING AND TRAINING Herent | €2.2m | €186,644 | 40.7% | 0.7 |
| RUCO Halle | €2.2m | €187,049 | 37.0% | - |
| ALPVENTURE Wemmel | €1.5m | €187,026 | 64.9% | 0 |
| BEDRIJVENCENTRUM REGIO WAREGEM Waregem | €1.9m | €181,708 | 95.2% | - |
| BERMAL Tellin | €1.8m | €193,731 | 38.0% | - |
These companies have the same main activity as BOWI: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €1.5m and €2.2m, founded between 1988 and 1992.
Official details
Source: KBO- Status
- Active since 02-03-1987Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.032.702.5041640 Sint-Genesius-Rode, since 13-03-1995
- Financial year end
- 30 September
- Peppol
- Reachable since 24-11-2023
Annual accounts to 30-09-2025
- ≈ €310,000estimated
- €1.9m▼ 0.6%
- Filing
- Filed on 03-03-2026, 58 days before the end of the filing period
Insights on BOWI
BOWI files the abbreviated format. That format states no turnover. The gross margin fell from €238,126 in 2007 to €194,039 in 2025.
The balance sheet grew most from 2011 to 2012 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BOWI
- What is the company number of BOWI?
- The company number of BOWI is 0430.646.247. The VAT number is the same number with BE in front: BE 0430.646.247.
- Where is BOWI based?
- The registered office is at Linkebeeksedreef 21, 1640 Sint-Genesius-Rode.Company details
- What does BOWI do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of BOWI?
- BOWI is a private limited company (BV).
- When was BOWI founded?
- BOWI was founded on 02-03-1987.
- Is BOWI still active?
- Yes, BOWI is an active enterprise in the KBO register.
- What is the turnover of BOWI?
- The turnover in financial year 2025 is ≈ €310,000. This figure is estimated from the gross margin of €194,039 and 93 comparable companies (NACE 70200). It probably lies between €250,000 and €410,000.Financials
- Is BOWI profitable?
- In financial year 2025, BOWI made a profit of €38,535.
- Where can I find the annual accounts of BOWI?
- BOWI filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BOWI due?
- BOWI must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
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