COOWI
ActiveCOOWI has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120k and a net result of €29k. Equity is growing by ~66.3% per year across the filed fiscal years. Its solvency ranks better than 81% of 2503 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 3.21 against 2.92 in 2024), and 27.6% 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 · 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 95
Relative position
BE, all sectors
reference
Sector 95
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
72.4%
Return on assets
17.2%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
30 d early
2023
13 d early
2022
19 d early
2021
31 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€120k▲ 31.1%
2024 · €92k
2021: €17k
2022: €32k
2023: €57k
2024: €92k
2021 → 2025
Total assets
€166k▲ 24.9%
2024 · €133k
2021: €34k
2022: €55k
2023: €90k
2024: €133k
2021 → 2025
Net result
€29k▼ 18.9%
2024 · €35k
2021: €16k
2022: €15k
2023: €25k
2024: €35k
2021 → 2025
Working capital
€101k▲ 27.6%
2024 · €79k
2021: €14k
2022: €12k
2023: €38k
2024: €79k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€32k▲ 88.8%€57k▲ 77.0%€92k▲ 62.2%€120k▲ 31.1%
Operating result€21k-€18k▼ 15.0%€31k▲ 75.4%€52k▲ 69.0%€40k▼ 24.0%
Net result€16k-€15k▼ 5.6%€25k▲ 63.7%€35k▲ 43.0%€29k▼ 18.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166k
Fixed assets
€19k▲ 53.3%
Current assets
€147k▲ 21.9%
Equity and liabilities €166k
Equity
€120k▲ 31.1%
Debt
€46k▲ 11.0%
The debt ratio falls from 31.0% to 27.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€54k▼
2024 · €60k
Cash flow
€43k▼
2024 · €43k
Solvency
72.4%▲
2024 · 69.0%
Current ratio
3.21▲
2024 · 2.92
Quick ratio
3.21▲
2024 · 2.92
Debt / equity
0.38▼
2024 · 0.45
ROE
23.7%▼
2024 · 38.4%
ROA
17.2%▼
2024 · 26.5%
Interest coverage
339.95▼
2024 · 447.70
Debt
€46k▲
2024 · €41k
Debt ≤ 1 year
€46k▲
2024 · €41k
Income taxes
€11k▼
2024 · €17k
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€133k€166k▲
Fixed assets21/28€12k€19k▲
Tangible fixed assets22/27€12k€19k▲
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€6k€15k▲
Financial fixed assets28€313-
Current assets29/58€121k€147k▲
Amounts receivable within one year40/41€29k€17k▼
Trade receivables40€29k€16k▼
Other amounts receivable41-€2k
Cash at bank and in hand54/58€92k€130k▲
Equity and liabilities
Total equity and liabilities10/49€133k€166k▲
Equity10/15€92k€120k▲
Contributions10/11€1k€1k=
Reserves13€35k€64k▲
Distributable reserves133€35k€64k▲
Profit (loss) carried forward14€56k€56k=
Amounts payable17/49€41k€46k▲
Amounts payable within one year42/48€41k€46k▲
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€13k€11k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€21k€30k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€14k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€500▼
Other operating charges640/8€605€620▲
Gross operating margin9900€62k€55k▼
Operating profit (loss)9901€52k€40k▼
Financial income75/76B€55€7▼
Recurring financial income75€55€7▼
Financial charges65/66B€134€158▲
Recurring financial charges65€134€158▲
Profit (loss) for the period before taxes9903€52k€40k▼
Income taxes67/77€17k€11k▼
Profit (loss) for the period9904€35k€29k▼
Profit (loss) for the period to be appropriated9905€35k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€84k▼
Profit (loss) brought forward from the previous period14P€56k€56k=
Transfer to equity691/2€35k€29k▼
To other reserves6921€35k€29k▼
The notes to these accounts (6 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €120k ▲31.1%
5 profitable years in a row build equity to €120k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €35k ▲43%
Operating result €52k, net result €35k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €15k ▼5.6%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Arendonk · 1 establishment unit since 2020
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.
Reenstraat 132370 ArendonkGround area
2,136 m²
Building footprint
161 m²
Volume, LiDAR
827 m³
Parcel 13322D0457/00G000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COOWI
since 20202.305.792.641
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13322D0457/00G000 | Flanders | 2,136 m² | 1 · 161 m² | 8.0 m · 2 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.
Similar companies · same sector, comparable size
DA MOVERS
BE 0638.915.343
Brussel · Eq €120k
TECHNOMECA
BE 0435.604.333
Oupeye · Eq €121k
EMMANUEL MOTORS NAZARETH
BE 0835.597.194
Nazareth-De Pinte · Eq €120k
AP.MECANIC'S
BE 0650.676.790
Durbuy · Eq €120k
QST
BE 0535.789.002
Roosdaal · Eq €120k
Of 7,341 companies in sector 95311 we hold annual accounts for 2,939. 2,334 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-08-2020
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45310
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.