JOWE
ActiveJOWE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €21k. Equity is shrinking by ~32.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 10% of 1888 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency2▼-31
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.55 against 0.43 in 2024), and 99% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
1%
Return on assets
8.3%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 1888 sector peers (2025).
NBB · sector comparisonPosition among 1888 sector peers
Solvency
better than 10%
← weakest
strongest →
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 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 d early
2024
77 d early
2023
77 d early
2022
83 d early
2021
27 d early
2020
81 d early
2019
79 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k
2024 · €-18k
2018: €131k
2019: €79k
2020: €80k
2021: €60k
2022: €45k
2023: €33k
2024: €-18k
2018 → 2025
Total assets
€248k▼ 2.5%
2024 · €254k
2018: €407k
2019: €359k
2020: €393k
2021: €333k
2022: €320k
2023: €289k
2024: €254k
2018 → 2025
Net result
€21k
2024 · €-51k
2018: €-38k
2019: €-52k
2020: €2k
2021: €-21k
2022: €-15k
2023: €-12k
2024: €-51k
2018 → 2025
Working capital
€-80k▲ 28.2%
2024 · €-111k
2018: €-80k
2019: €-98k
2020: €-69k
2021: €-77k
2022: €-84k
2023: €-80k
2024: €-111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€45k▼ 24.9%€33k▼ 25.9%€-18k€2k
Operating result€-13k-€-7k▲ 46.4%€-3k▲ 62.8%€-41k▼ 1,497%€38k
Net result€-21k-€-15k▲ 28.7%€-12k▲ 21.8%€-51k▼ 342%€21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €38k after a loss of €41k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€149k▼ 12.3%
Current assets
€99k▲ 17.0%
Equity and liabilities €248k
Equity
€2k
Debt
€245k
Debt finances 99.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€59k▲
2024 · €-8k
Cash flow
€42k▲
2024 · €-19k
Solvency
1.0%▲
2024 · -7.1%
Current ratio
0.55▲
2024 · 0.43
Quick ratio
0.44▲
2024 · 0.19
Debt / equity
98.33▲
2024 · -15.09
ROE
823.1%▲
2024 · 284.1%
ROA
8.3%▲
2024 · -20.2%
Interest coverage
3.41▲
2024 · -0.78
Debt
€245k▼
2024 · €272k
Debt ≤ 1 year
€179k▼
2024 · €195k
Debt > 1 year
€67k▼
2024 · €77k
Staff costs
€662▼
2024 · €29k
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€254k€248k▼
Fixed assets21/28€170k€149k▼
Tangible fixed assets22/27€170k€149k▼
Land and buildings22€151k€139k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€14k€8k▼
Current assets29/58€84k€99k▲
Stocks and contracts in progress3€47k€20k▼
Stocks30/36€37k€20k▼
Contracts in progress37€10k-
Amounts receivable within one year40/41€35k€75k▲
Trade receivables40€35k€74k▲
Other amounts receivable41€219€219=
Cash at bank and in hand54/58€51€74▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€254k€248k▼
Equity10/15€-18k€2k▲
Contributions10/11€119k€119k=
Reserves13€50k€50k=
Distributable reserves133€50k€50k=
Profit (loss) carried forward14€-186k€-166k▲
Amounts payable17/49€272k€245k▼
Amounts payable after more than one year17€77k€67k▼
Financial debts170/4€77k€67k▼
Amounts payable within one year42/48€195k€179k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Financial debts43€64k€52k▼
Credit institutions430/8€64k€52k▼
Trade debts44€10k€16k▲
Suppliers440/4€10k€16k▲
Taxes, remuneration and social security45€9k€16k▲
Taxes450/3€6k€7k▲
Remuneration and social security454/9€3k€9k▲
Other amounts payable47/48€103k€84k▼
Income statement
Code20242025
Remuneration, social security and pensions62€29k€662▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€21k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€26k€65k▲
Operating profit (loss)9901€-41k€38k▲
Financial income75/76B€8€2▼
Recurring financial income75€8€2▼
Financial charges65/66B€11k€17k▲
Recurring financial charges65€11k€17k▲
Profit (loss) for the period before taxes9903€-51k€21k▲
Profit (loss) for the period9904€-51k€21k▲
Profit (loss) for the period to be appropriated9905€-51k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-186k€-166k▲
Profit (loss) brought forward from the previous period14P€-135k€-186k▼
The notes to these accounts (8 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €21k
Net result €21k after 4 loss-making years.
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
13-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
14-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Dilsen-Stokkem · 1 establishment unit since 1999
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.
Rijksweg 6263650 Dilsen-StokkemGround area
3,066 m²
Building footprint
655 m²
Parcel 72032B1097/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
JOWE BVBA
since 19992.091.054.734
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032B1097/00D000 | Flanders | 3,066 m² | 1 · 655 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 180 EUR awarded · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 105 EUR | 105 EUR |
| 2023 | 1 | 75 EUR | 75 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
2 categoriesJOWE BV38405
Legal Entity Identifier
699400AP739R5VGDDE92
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Of 555 companies in sector 25999 we hold annual accounts for 348. 33 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-05-1999
Fiscal year end31-12
Activities, NACEBEL
25999Manufacture of fabricated metal products, except machinery and equipment
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.