BOWLY
ActiveSummary
BOWLY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10.13M and a net result of €1.52M. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 66% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability78▲+36
Solvency76▼-18
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €700k at 30 days acceptable
Liquidity ample (current ratio 3.34 against 0.6 in 2023; short-term debt: 2.9% and cash: 0.1% of total assets), and 49.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
50.7%
Return on assets
7.6%
Age of the figures
15 mo
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 2025Equity per financial year
21222325
2021 to 2025 · latest year €10.13M
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2023
14 d early
2022
4 d early
2021
122 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, abbreviated schema
Equity
€10.13M▲ 17.6%
2023 · €8.62M
2021: €8.86M
2022: €8.61M
2023: €8.62M
2021 → 2025
Total assets
€19.99M▲ 59.2%
2023 · €12.56M
2021: €13.59M
2022: €13.14M
2023: €12.56M
2021 → 2025
Net result
€1.52M▲ 23,150%
2023 · €7k
2021: €-28k
2022: €-247k
2023: €7k
2021 → 2025
Working capital
€1.37M
2023 · €-109k
2021: €-3.41M
2022: €-3.59M
2023: €-109k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232025Trend
Equity€8.86M-€8.61M▼ 2.8%€8.62M▲ 0.1%€10.13M▲ 17.6%
Operating result€506-€-154k€101k€2.31M▲ 2,195%
Net result€-28k-€-247k▼ 768%€7k€1.52M▲ 23,150%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €2.31M in 2025, compared with €101k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €19.99M
Fixed assets
€18.04M ▲ 45.5%
Current assets
€1.95M ▲ 1,101%
Equity and liabilities €19.99M
Equity
€10.13M ▲ 17.6%
Debt
€9.85M ▲ 150%
Debt's share of the balance-sheet total rises from 31.4% to 49.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3.66M▲
2023 · €456k
Cash flow
€2.86M▲
2023 · €362k
Current ratio
3.34▲
2023 · 0.60
Debt to equity
0.97▲
2023 · 0.46
ROE
15.0%▲
2023 · 0.1%
ROA
7.6%▲
2023 · 0.1%
Interest coverage
8.06▲
2023 · 2.81
Debt ≤ 1 year
€585k▲
2023 · €272k
Debt > 1 year
€9.24M▲
2023 · €3.49M
Income taxes
€473k▲
2023 · €-15
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 · 2025 against 2023 · 51 lines
Balance sheet
Code20232025
Assets
Total assets20/58€12.56M€19.99M▲
Fixed assets21/28€12.39M€18.04M▲
Tangible fixed assets22/27€12.39M€18.04M▲
Land and buildings22€4.04M€9.88M▲
Plant, machinery and equipment23€96k€58k▼
Furniture and vehicles24€40k€30k▼
Other tangible fixed assets26€8.22M€8.07M▼
Current assets29/58€162k€1.95M▲
Amounts receivable within one year40/41€121k€1.91M▲
Trade receivables40€52k€37k▼
Other amounts receivable41€69k€1.87M▲
Cash at bank and in hand54/58€28k€11k▼
Deferred charges and accrued income490/1€14k€32k▲
Equity and liabilities
Total equity and liabilities10/49€12.56M€19.99M▲
Equity10/15€8.62M€10.13M▲
Contributions10/11€1.82M€1.82M=
Reserves13€4.57M€4.57M=
Non-distributable reserves130/1€15k€15k=
Reserves not available under the articles1311€15k€15k=
Tax-exempt reserves132€2.51M€2.51M=
Distributable reserves133€2.05M€2.05M=
Profit (loss) carried forward14€2.22M€3.74M▲
Amounts payable17/49€3.94M€9.85M▲
Amounts payable after more than one year17€3.49M€9.24M▲
Financial debts170/4€3.49M€9.24M▲
Amounts payable within one year42/48€272k€585k▲
Current portion of amounts payable after more than one year42€253k€306k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€18k€205k▲
Suppliers440/4€18k€205k▲
Taxes, remuneration and social security45€0€73k▲
Taxes450/3€0€73k▲
Other amounts payable47/48€862€949▲
Accrued charges and deferred income492/3€173k€27k▼
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€355k€1.35M▲
Other operating charges640/8€37k€251k▲
Non-recurring operating charges66A€11k€7k▼
Gross operating margin9900€504k€3.92M▲
Operating profit (loss)9901€101k€2.31M▲
Financial income75/76B€68k€134k▲
Recurring financial income75€68k€134k▲
Financial charges65/66B€162k€454k▲
Recurring financial charges65€162k€454k▲
Profit (loss) for the period before taxes9903€7k€1.99M▲
Income taxes67/77€-15€473k▲
Profit (loss) for the period9904€7k€1.52M▲
Profit (loss) for the period to be appropriated9905€7k€1.52M▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.22M€3.74M▲
Profit (loss) brought forward from the previous period14P€2.21M€2.22M▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2021net €1.52M ▲23150%
Operating result €2.31M, net result €1.52M, both a record.
30-06
Financial
Liquidity times 6current ratio 3.34
Current ratio from 0.60 to 3.34.
30-06
Financial
Equity above €10MEq €10.13M ▲17.6%
2 profitable years in a row build equity to €10.13M.
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-247k
Net result drops to €-247k, the lowest in the series; recovery starts the following year.
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Leuven · 1 establishment unit since 2021
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.
Naamsestraat 93000 LeuvenGround area
495 m²
Building footprint
442 m²
Volume, LiDAR
4,518 m³
Parcel 24502B0920/00C000, Flanders · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BOWLY
since 20212.387.744.575
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B0920/00C000 | Flanders | 495 m² | 1 · 442 m² | 13.5 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500E4F008985DCF39
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ROCHER II
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WEVELGEM AIRPORT BUSINESS CENTER
BE 0428.617.957
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Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 2,174 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
Founded01-07-2021
Fiscal year end30-06
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.