JESSE LOWYCK
ActiveThe computed 12-month bankruptcy probability of JESSE LOWYCK is 2.4% (moderate). The 2025 annual accounts show equity of €64k and a net result of €24k. Its solvency ranks better than 61% of 27319 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+41
Growth52
Stability94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 1.47 in 2024), and 43% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
57%
Return on assets
21.2%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
24 d early
2024
30 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 59.0%
2024 · €41k
2024: €41k
2024 → 2025
Total assets
€113k▼ 15.9%
2024 · €134k
2024: €134k
2024 → 2025
Net result
€24k▼ 44.9%
2024 · €43k
2024: €43k
2024 → 2025
Working capital
€53k▲ 34.1%
2024 · €39k
2024: €39k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€41k-€64k▲ 59.0%
Operating result€51k-€30k▼ 40.9%
Net result€43k-€24k▼ 44.9%
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 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113k
Fixed assets
€12k▲ 9.0%
Current assets
€101k▼ 18.0%
Equity and liabilities €113k
Equity
€64k▲ 59.0%
Debt
€49k▼ 48.2%
The debt ratio falls from 69.8% to 43.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€33k▼
2024 · €53k
Cash flow
€27k▼
2024 · €46k
Solvency
57.0%▲
2024 · 30.2%
Current ratio
2.09▲
2024 · 1.47
Quick ratio
2.09▲
2024 · 1.47
Debt / equity
0.75▼
2024 · 2.32
ROE
37.1%▼
2024 · 107.2%
ROA
21.2%▼
2024 · 32.3%
Interest coverage
16.05▼
2024 · 199.78
Debt
€49k▼
2024 · €94k
Debt ≤ 1 year
€49k▼
2024 · €84k
Income taxes
€7k▼
2024 · €10k
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€134k€113k▼
Fixed assets21/28€11k€12k▲
Intangible fixed assets21€8k€7k▼
Tangible fixed assets22/27€2k€5k▲
Plant, machinery and equipment23€2k€816▼
Furniture and vehicles24-€4k
Current assets29/58€124k€101k▼
Amounts receivable within one year40/41€68k€87k▲
Trade receivables40€11k€41k▲
Other amounts receivable41€57k€46k▼
Cash at bank and in hand54/58€52k€15k▼
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€134k€113k▼
Equity10/15€41k€64k▲
Contributions10/11€5k€5k=
Reserves13€36k€59k▲
Distributable reserves133€36k€59k▲
Amounts payable17/49€94k€49k▼
Amounts payable within one year42/48€84k€49k▼
Current portion of amounts payable after more than one year42€5k€0▼
Financial debts43-€14k
Other loans439-€14k
Trade debts44€62k€17k▼
Suppliers440/4€62k€17k▼
Taxes, remuneration and social security45€10k€17k▲
Taxes450/3€10k€17k▲
Other amounts payable47/48€8k€0▼
Accrued charges and deferred income492/3€10k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€387€465▲
Gross operating margin9900€54k€33k▼
Operating profit (loss)9901€51k€30k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€267€2k▲
Recurring financial charges65€267€2k▲
Profit (loss) for the period before taxes9903€53k€31k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€43k€24k▼
Profit (loss) for the period to be appropriated9905€43k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€24k▼
Transfer to equity691/2€36k€24k▼
To other reserves6921€36k€24k▼
Profit to be distributed694/7€8k-
Return on contributions (dividend)694€2k-
Directors or managers695€6k-
The notes to these accounts (9 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
NBB filing
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, Zedelgem · 1 establishment unit since 2023
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.
Bezembindersstraat 238210 ZedelgemGround area
342 m²
Building footprint
78 m²
Volume, LiDAR
527 m³
Parcel 31036G0608/00B003, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Experts indakvensters
since 20232.350.012.367
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31036G0608/00B003 | Flanders | 342 m² | 1 · 78 m² | 10.2 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.
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Of 8,483 companies in sector 43410 we hold annual accounts for 4,308. 3,711 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2023
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43230Insulation installation
43291Specialised construction activities
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.