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Cowala

Active
Private limited companyfounded 2020active for 6 yearsMontfortstraat 19, 2550 Kontich, BelgiumKBO/BCE: BE 0743.819.259

From the official registers: KBO 6 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

Cowala has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88,036 and a net result of €44,718. Equity has been growing by about 34% per year since 2020. Its solvency ranks better than 46% of 21,130 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

KBO
Status
Active since 18-02-2020 Normal situation
Activity
Computer consultancy and computer facilities management NACE 62200and 1 other
Establishment unit
2.299.647.096 2550 Kontich, since 18-02-2020
Financial year end
31 December
Peppol
Reachable since 24-09-2026

Board and ownership

Board
  • Colman WannesDirector

Financial position

94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€63,778
▲ 14.7%
Turnover
≈ €120,000
estimated
Profit
€44,718
▲ 11.7%
Equity
€88,036
▼ 45.4%
Total assets
€157,381
▼ 12.4%
Filed on 06-07-2026, 25 days before the deadlineat the National Bank
Score breakdownlowers riskLiquidity: current ratio 2.03, cash €108,919Sector: Computer programming, consultancy and related activities (NACE 62)Size: total assets €157,381Equity €88,036 (55.9% of total assets)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 52% of micro companies in computer programming and consultancy (NACE 62)
Financial strength · tick: 2024
Strong
Solvency 81-19
equity 55.9% of total assets
Liquidity 79-21
short-term debt 44.1% · cash 69.2%
Profitability 100+3
return on assets 28.4%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,908 companies, NACE 62, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 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%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025highest value 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 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026 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%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.03 (8.56 in 2024), above the usual 1.5. Short-term debt is 44.1% and cash 69.2% of total assets. 44.1% of the assets are financed with debt and provisions.
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 62, micro). It does better than 48% of them on solvency, 62% on liquidity, 82% on profitability and 16% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 2.03, cash €108,919
NBB · annual accounts
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Size: total assets €157,381
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Equity €88,036 (55.9% of total assets)
NBB · annual accounts
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 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
25 days early
2024
6 days early
2023
5 days early
2022
31 days late
2021
12 days early
2020
1 day early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 3 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Equity fell in 2025from €161,142 to €88,036 ▼ 45.4% View
  • Positive: 6 profitable years in a rowprofit 2025: €44,718 6 years View

Comparable companies

These companies have the same main activity as Cowala: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €145,000 and €187,000, founded between 2019 and 2020.

CompanyTotal assetsGross margin
Cowala Kontich€157,381€63,778
BRUNEX Kontich€187,188€67,893
Solv IT Mechelen€159,768€64,609
Culverin Consulting Antwerpen€149,092€68,618
ICTWORX Balen€160,241€56,525
LUVA Herselt€169,044€72,191
VersaWave Schilde€144,566€57,709
Full comparison

Documents

Annual accounts at the NBB

All 6 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Cowala

What is the company number of Cowala?
The company number of Cowala is 0743.819.259. The VAT number is the same number with BE in front: BE 0743.819.259.
Where is Cowala based?
The registered office is at Montfortstraat 19, 2550 Kontich.Company details
What does Cowala do?
According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
What is the legal form of Cowala?
The legal form of Cowala is Private limited company (BV).
When was Cowala founded?
Cowala was founded on 18-02-2020.
Is Cowala still active?
Yes, Cowala is an active enterprise in the KBO register.
What is the turnover of Cowala?
The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €63,778 and 59 comparable companies (NACE 62200). It probably lies between €110,000 and €160,000.Financials
Is Cowala profitable?
In financial year 2025, Cowala made a profit of €44,718.
Where can I find the annual accounts of Cowala?
Cowala filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Cowala due?
Cowala must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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