JOWI
ActiveJOWI has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-426k) and a net result of €-34k. Equity is shrinking by ~11% per year across the filed fiscal years. Its solvency ranks better than 5% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 5.35 against 2.64 in 2024; short-term debt: 0.3% and cash: 0.2% of total assets), but equity is negative.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-36.7%
Return on assets
-2.9%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-426k
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
23 d early
2023
6 d early
2022
6 d early
2021
11 d early
2020
9 d early
2019
8 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-426k▼ 8.7%
2024 · €-391k
2018: €-189k
2019: €-223k
2020: €-257k
2021: €-290k
2022: €-322k
2023: €-358k
2024: €-391k
2018 → 2025
Total assets
€1.16M▼ 1.8%
2024 · €1.18M
2018: €1.30M
2019: €1.23M
2020: €1.22M
2021: €1.20M
2022: €1.20M
2023: €1.18M
2024: €1.18M
2018 → 2025
Net result
€-34k▼ 2.5%
2024 · €-33k
2018: €-71k
2019: €-34k
2020: €-34k
2021: €-33k
2022: €-32k
2023: €-36k
2024: €-33k
2018 → 2025
Working capital
€17k▼ 34.7%
2024 · €26k
2018: €151k
2019: €78k
2020: €69k
2021: €51k
2022: €48k
2023: €26k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-290k-€-322k▼ 11.1%€-358k▼ 11.2%€-391k▼ 9.3%€-426k▼ 8.7%
Operating result€-3k-€-3k▲ 7.3%€-8k▼ 181%€-6k▲ 28.5%€-6k▼ 13.8%
Net result€-33k-€-32k▲ 1.2%€-36k▼ 12.1%€-33k▲ 7.9%€-34k▼ 2.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €6k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€1.14M=
Current assets
€21k▼ 50.1%
Key figures and ratios
Solvency
-36.7%▼
2024 · -33.2%
Current ratio
5.35▲
2024 · 2.64
Quick ratio
5.35▲
2024 · 2.64
Debt / equity
-3.72▲
2024 · -4.02
ROA
-2.9%▼
2024 · -2.8%
Debt
€1.58M▲
2024 · €1.57M
Debt ≤ 1 year
€4k▼
2024 · €16k
Debt > 1 year
€1.37M▼
2024 · €1.37M
Income taxes
€102▼
2024 · €121
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€1.18M€1.16M▼
Fixed assets21/28€1.14M€1.14M=
Tangible fixed assets22/27€1.14M€1.14M=
Land and buildings22€1.14M€1.14M=
Current assets29/58€43k€21k▼
Current investments50/53€18k€19k▲
Cash at bank and in hand54/58€24k€3k▼
Deferred charges and accrued income490/1€390€41▼
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.16M▼
Equity10/15€-391k€-426k▼
Contributions10/11€6k€6k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-400k€-434k▼
Amounts payable17/49€1.57M€1.58M▲
Amounts payable after more than one year17€1.37M€1.37M▼
Financial debts170/4€1.37M€1.37M▼
Amounts payable within one year42/48€16k€4k▼
Current portion of amounts payable after more than one year42€14k€2k▼
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Accrued charges and deferred income492/3€189k€216k▲
Income statement
Code20242025
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-3k€-4k▼
Operating profit (loss)9901€-6k€-6k▼
Financial income75/76B€1k€384▼
Recurring financial income75€1k€384▼
Financial charges65/66B€29k€28k▼
Recurring financial charges65€29k€28k▼
Profit (loss) for the period before taxes9903€-33k€-34k▼
Income taxes67/77€121€102▼
Profit (loss) for the period9904€-33k€-34k▼
Profit (loss) for the period to be appropriated9905€-33k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-400k€-434k▼
Profit (loss) brought forward from the previous period14P€-367k€-400k▼
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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 5.35
Current ratio from 2.64 to 5.35; short-term debt falls from €16k to €4k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Pelt · 1 establishment unit since 2002
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.
Europalaan 173900 PeltGround area
2.6 ha
Building footprint
9.1 ha
Volume, LiDAR
768 m³
2 parcels, Flanders · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Schoolstraat 63, 2060 Antwerpen
since 20022.131.497.893
2 parcels
Flanders
2
(100%)
| 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. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 38,915 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.