JOWI
The computed 12-month bankruptcy probability of JOWI is 0.2% (very low). The 2024 annual accounts show negative equity (€-391k) and a net result of €-33k. Equity is shrinking by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 1388 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €-391k |
| Net result | €-33k |
| Better than sector | 5% |
| Active | 24 yrs |
Strong profile, led by stability.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
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The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -33.2% | 43.7% | |
| Net result | €-33k | €42k | |
| Equity | €-391k | €163k | |
| Gross operating margin | €-3k | €72k | |
| Total assets | €1.18M | €607k |
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | - |
| Net profit | €-33k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | €121 |
| Dividends | - |
| Total assets | €1.18M |
| Equity | €-391k |
| Debt | €1.57M |
| of which ≤ 1y | €16k |
| of which > 1y | €1.37M |
| Working capital | €26k |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | 2.64 |
| Quick ratio | 2.64 |
| Working capital ratio | 2.2% |
| Solvency | -33.2% |
| Debt / equity | -4.02 |
| Long-term debt ratio | -3.49 |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -2.8% |
| ROE | 8.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.18M |
| Fixed assets | 21/28 | €1.14M |
| Tangible fixed assets | 22/27 | €1.14M |
| Current assets | 29/58 | €43k |
| Investments | 50/53 | €18k |
| Cash & bank | 54/58 | €24k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.18M |
| Equity | 10/15 | €-391k |
| Contributions / capital | 10/11 | €6k |
| Reserves | 13 | €3k |
| Accumulated profits (losses) | 14 | €-400k |
| Amounts payable | 17/49 | €1.57M |
| Amounts payable after one year | 17 | €1.37M |
| Amounts payable within one year | 42/48 | €16k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €-3k |
| Operating result | 9901 | €-6k |
| Financial income | 75 | €1k |
| Financial charges | 65 | €29k |
| Result before taxes | 9903 | €-33k |
| Income taxes | 67/77 | €121 |
| Net result for the period | 9904 | €-33k |
| Result to be appropriated | 9905 | €-33k |
| NACE primary | Head offices & management consulting(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 25-02-2002 |
| Status | Active |
| Postal code | 3900 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72502E0102/00H144 | Flanders | 2.6 ha | 1 · 9.1 ha | - |
| 11805E0416/00S018 | Flanders | 81 m² | 1 · 64 m² | 13.6 m · 4 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
07-02-2024 Publication in the Belgian Official Gazette, Minor change
Technical details
{
"notary": {
"name": "Eva Lauwers",
"firm_city": null,
"firm_name": null,
"office_city": "Pelt",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2024-02-07",
"filing_date": "2024-02-05",
"act_kind_objet": "WIJZIGING RECHTSVORM, STATUTEN (VERTALING, COORDINATIE, OVERIGE WIJZIGINGEN), ONTSLAGEN, BENOEMINGEN"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2023-12-21",
"unanimous": null
},
"agm_change": {
"new_schedule": null,
"old_schedule": null,
"effective_from_year": null,
"rule_changes_summary": "Aanpassing van de regels voor schriftelijke algemene vergaderingen, inclusief de datum van het besluit en de vereiste handtekeningen."
},
"detected_kind": "statutes_change",
"other_address": null,
"mandate_renewal": {
"period_end": null,
"mandate_kind": "bestuurder",
"period_start": null,
"remuneration_eur": null,
"remuneration_kind": "gratuit",
"person_or_entity_kbo": null,
"person_or_entity_name": "LAUWERS Paul, LAUWERS Willy, BESSEMANS Joris, LAUWERS Karolien"
},
"subject_company": {
"kbo": "0476.964.044",
"name_full": "JOWI",
"legal_form": "BV"
},
"accounts_deposit": null,
"publication_proxy": {
"kind": "none",
"org_kbo": null,
"org_name": null,
"person_name": null,
"org_rep_person_name": null
},
"co_filed_documents": [],
"fiscal_year_change": {
"new_end_mm_dd": "12-31",
"old_end_mm_dd": null,
"new_start_mm_dd": "01-01",
"old_start_mm_dd": null,
"first_full_new_year": null,
"transition_period_end": null
},
"liquidation_closure": null,
"officer_designation": null,
"special_procuration": null,
"is_volet_a_only_stub": false,
"vakbekwaamheid_change": null,
"should_reroute_to_category": null,
"single_shareholder_declaration": null
}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameNL | JOWI |