KNOWLIAH
ActiveSummary
KNOWLIAH has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-728k) and a net result of €-999k. Equity is shrinking by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 8095 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-37
Solvency9▼-22
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.46 against 0.88 in 2023; short-term debt: 51.2% and cash: 4.1% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
-16.1%
Return on assets
-22.1%
Age of the figures
21 mo
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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-728k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-10-2025, 90 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
90 d late
2023
75 d late
2022
68 d early
2021
27 d early
2020
26 d early
2019
52 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€-728k
2023 · €271k
2018: €993khighest in 7 years
2019: €651k▼ -34.4% vs 2018
2020: €318k▼ -51.1% vs 2019
2021: €622k▲ +95.4% vs 2020
2022: €557k▼ -10.4% vs 2021
2023: €271k▼ -51.4% vs 2022
2024: €-728k▼ -369% vs 2023lowest in 7 years
2018 → 2024
Total assets
€4.52M▲ 3.4%
2023 · €4.37M
2018: €2.79Mlowest in 7 years
2019: €3.17M▲ +13.6% vs 2018
2020: €3.47M▲ +9.3% vs 2019
2021: €3.65M▲ +5.4% vs 2020
2022: €3.77M▲ +3.1% vs 2021
2023: €4.37M▲ +16.0% vs 2022
2024: €4.52M▲ +3.4% vs 2023highest in 7 years
2018 → 2024
Net result
€-999k▼ 249%
2023 · €-286k
2018: €42k
2019: €-341k▼ -906% vs 2018
2020: €-333k▲ +2.4% vs 2019
2021: €220k▲ +166% vs 2020highest in 7 years
2022: €19k▼ -91.4% vs 2021
2023: €-286k▼ -1624% vs 2022
2024: €-999k▼ -249% vs 2023lowest in 7 years
2018 → 2024
Working capital
€-1.26M▼ 761%
2023 · €-146k
2018: €-336k
2019: €-262k▲ +22.0% vs 2018
2020: €-430k▼ -63.9% vs 2019
2021: €-525k▼ -22.2% vs 2020
2022: €-697k▼ -32.8% vs 2021
2023: €-146k▲ +79.1% vs 2022highest in 7 years
2024: €-1.26M▼ -761% vs 2023lowest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€318k-€622k▲ 95.4%€557k▼ 10.4%€271k▼ 51.4%€-728k
2020: €318k
2021: €622k▲ +95.4% vs 2020highest in 5 years
2022: €557k▼ -10.4% vs 2021
2023: €271k▼ -51.4% vs 2022
2024: €-728k▼ -369% vs 2023lowest in 5 years
Operating result€-317k-€122k€-127k€-236k▼ 86.2%€-795k▼ 237%
2020: €-317k
2021: €122k▲ +138% vs 2020highest in 5 years
2022: €-127k▼ -204% vs 2021
2023: €-236k▼ -86.2% vs 2022
2024: €-795k▼ -237% vs 2023lowest in 5 years
Net result€-333k-€220k€19k▼ 91.4%€-286k€-999k▼ 249%
2020: €-333k
2021: €220k▲ +166% vs 2020highest in 5 years
2022: €19k▼ -91.4% vs 2021
2023: €-286k▼ -1624% vs 2022
2024: €-999k▼ -249% vs 2023lowest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €795k in 2024 against €236k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.52M
Fixed assets
€3.46M ▲ 6.3%
Current assets
€1.06M ▼ 5.2%
Key figures and ratios
EBITDA
€-42k▼
2023 · €472k
Cash flow
€-245k▼
2023 · €422k
Solvency
-16.1%▼
2023 · 6.2%
Current ratio
0.46▼
2023 · 0.88
Quick ratio
0.45▼
2023 · 0.86
Debt to equity
-7.21▼
2023 · 15.15
ROA
-22.1%▼
2023 · -6.5%
Interest coverage
-0.20▼
2023 · 3.18
Debt
€5.25M▲
2023 · €4.10M
Debt ≤ 1 year
€2.31M▲
2023 · €1.26M
Debt > 1 year
€1.65M▼
2023 · €1.72M
Income taxes
€-2k▼
2023 · €2k
Staff costs
€1.79M▲
2023 · €1.47M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 61 lines
Balance sheet
Code20232024
Assets
Total assets20/58€4.37M€4.52M▲
Fixed assets21/28€3.26M€3.46M▲
Intangible fixed assets21€3.20M€3.45M▲
Tangible fixed assets22/27€20k€12k▼
Plant, machinery and equipment23€12k€0▼
Furniture and vehicles24€8k€12k▲
Financial fixed assets28€43k€0▼
Current assets29/58€1.11M€1.06M▼
Stocks and contracts in progress3€33k€11k▼
Contracts in progress37€33k€11k▼
Amounts receivable within one year40/41€842k€825k▼
Trade receivables40€728k€781k▲
Other amounts receivable41€114k€44k▼
Current investments50/53€0€0▼
Cash at bank and in hand54/58€186k€187k▲
Deferred charges and accrued income490/1€52k€33k▼
Equity and liabilities
Total equity and liabilities10/49€4.37M€4.52M▲
Equity10/15€271k€-728k▼
Contributions10/11€549k€549k=
Reserves13€102k€102k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€102k€102k=
Profit (loss) carried forward14€-381k€-1.38M▼
Investment grants15€0-
Amounts payable17/49€4.10M€5.25M▲
Amounts payable after more than one year17€1.72M€1.65M▼
Financial debts170/4€66k€33k▼
Other amounts payable178/9€1.66M€1.62M▼
Amounts payable within one year42/48€1.26M€2.31M▲
Current portion of amounts payable after more than one year42€37k€1.57M▲
Financial debts43€81k€126k▲
Credit institutions430/8€81k€126k▲
Trade debts44€412k€278k▼
Suppliers440/4€412k€278k▼
Advances received on contracts in progress46€28k€32k▲
Taxes, remuneration and social security45€261k€306k▲
Taxes450/3€51k€42k▼
Remuneration and social security454/9€209k€264k▲
Other amounts payable47/48€440k€517▼
Accrued charges and deferred income492/3€1.12M€1.29M▲
Income statement
Code20232024
Non-recurring operating income76A-€37k
Remuneration, social security and pensions62€1.47M€1.79M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€708k€753k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-16k€17k▲
Other operating charges640/8€20k€3k▼
Non-recurring operating charges66A-€9k
Gross operating margin9900€1.95M€1.78M▼
Operating profit (loss)9901€-236k€-795k▼
Financial income75/76B€101k€10k▼
Recurring financial income75€100k€10k▼
Non-recurring financial income76B€144€0▼
Financial charges65/66B€149k€216k▲
Recurring financial charges65€149k€216k▲
Profit (loss) for the period before taxes9903€-284k€-1.00M▼
Income taxes67/77€2k€-2k▼
Profit (loss) for the period9904€-286k€-999k▼
Profit (loss) for the period to be appropriated9905€-286k€-999k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-381k€-1.38M▼
Profit (loss) brought forward from the previous period14P€-95k€-381k▼
Social balance
Average headcount (FTE)908720.722.2▲
The notes to these accounts (26 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €325 | €0 | - | €37k | - |
| Remuneration, social security and pensions62 | - | €1.09M | €1.16M | €1.47M | €1.79M | ▲ 21.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €582k | €639k | €657k | €708k | €753k | ▲ 6.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €-17k | €17k | €-16k | €17k | ▲ 203% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €0 | - | - | - | - |
| Other operating charges640/8 | - | €21k | €4k | €20k | €3k | ▼ 84.2% |
| Non-recurring operating charges66A | - | €0 | - | - | €9k | - |
| Gross operating margin9900 | €1.16M | €1.86M | €1.71M | €1.95M | €1.78M | ▼ 8.8% |
| Operating profit (loss)9901 | €-317k | €122k | €-127k | €-236k | €-795k | ▼ 237% |
| Financial income75/76B | - | €169k | €246k | €101k | €10k | ▼ 90.2% |
| Recurring financial income75 | €35k | €141k | €216k | €100k | €10k | ▼ 90.2% |
| Non-recurring financial income76B | - | €29k | €31k | €144 | €0 | ▼ 100% |
| Financial charges65/66B | - | €69k | €98k | €149k | €216k | ▲ 45.0% |
| Recurring financial charges65 | €49k | €69k | €98k | €149k | €216k | ▲ 45.0% |
| Profit (loss) for the period before taxes9903 | €-330k | €222k | €22k | €-284k | €-1.00M | ▼ 253% |
| Income taxes67/77 | €3k | €3k | €3k | €2k | €-2k | ▼ 200% |
| Profit (loss) for the period9904 | €-333k | €220k | €19k | €-286k | €-999k | ▼ 249% |
| Profit (loss) for the period to be appropriated9905 | €-333k | €220k | €19k | €-286k | €-999k | ▼ 249% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.47M | €3.65M | €3.77M | €4.37M | €4.52M | ▲ 3.4% |
| Fixed assets21/28 | €2.62M | €2.81M | €2.97M | €3.26M | €3.46M | ▲ 6.3% |
| Intangible fixed assets21 | €2.44M | €2.70M | €2.89M | €3.20M | €3.45M | ▲ 8.0% |
| Tangible fixed assets22/27 | €134k | €66k | €29k | €20k | €12k | ▼ 41.3% |
| Plant, machinery and equipment23 | - | €4k | €1k | €12k | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €62k | €28k | €8k | €12k | ▲ 53.8% |
| Financial fixed assets28 | €43k | €43k | €44k | €43k | €0 | ▼ 100% |
| Current assets29/58 | €852k | €843k | €801k | €1.11M | €1.06M | ▼ 5.2% |
| Stocks and contracts in progress3 | €40k | €75k | €76k | €33k | €11k | ▼ 66.5% |
| Contracts in progress37 | - | €75k | €76k | €33k | €11k | ▼ 66.5% |
| Amounts receivable within one year40/41 | €560k | €563k | €446k | €842k | €825k | ▼ 2.0% |
| Trade receivables40 | - | €558k | €439k | €728k | €781k | ▲ 7.3% |
| Other amounts receivable41 | - | €5k | €6k | €114k | €44k | ▼ 61.7% |
| Current investments50/53 | - | - | - | €0 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €211k | €197k | €267k | €186k | €187k | ▲ 0.3% |
| Deferred charges and accrued income490/1 | - | €7k | €13k | €52k | €33k | ▼ 37.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.47M | €3.65M | €3.77M | €4.37M | €4.52M | ▲ 3.4% |
| Equity10/15 | €318k | €622k | €557k | €271k | €-728k | ▼ 369% |
| Contributions10/11 | €549k | €549k | €549k | €549k | €549k | = |
| Capital10 | - | €549k | €549k | - | - | - |
| Issued capital100 | - | €549k | €549k | - | - | - |
| Reserves13 | €102k | €102k | €102k | €102k | €102k | = |
| Non-distributable reserves130/1 | - | €88k | €88k | €0 | - | - |
| Legal reserve130 | - | €88k | €88k | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €0 | - | - |
| Distributable reserves133 | - | €14k | €14k | €102k | €102k | = |
| Profit (loss) carried forward14 | €-333k | €-114k | €-95k | €-381k | €-1.38M | ▼ 262% |
| Investment grants15 | - | €84k | €510 | €0 | - | - |
| Amounts payable17/49 | €3.15M | €3.03M | €3.21M | €4.10M | €5.25M | ▲ 28.0% |
| Amounts payable after more than one year17 | €1.29M | €977k | €735k | €1.72M | €1.65M | ▼ 4.2% |
| Financial debts170/4 | - | €938k | €696k | €66k | €33k | ▼ 50.7% |
| Other amounts payable178/9 | - | €39k | €39k | €1.66M | €1.62M | ▼ 2.4% |
| Amounts payable within one year42/48 | €1.28M | €1.37M | €1.50M | €1.26M | €2.31M | ▲ 83.7% |
| Current portion of amounts payable after more than one year42 | - | €349k | €510k | €37k | €1.57M | ▲ 4,198% |
| Financial debts43 | - | €402k | €404k | €81k | €126k | ▲ 55.7% |
| Credit institutions430/8 | - | €402k | €404k | €81k | €126k | ▲ 55.7% |
| Trade debts44 | €448k | €397k | €281k | €412k | €278k | ▼ 32.6% |
| Suppliers440/4 | - | €397k | €281k | €412k | €278k | ▼ 32.6% |
| Advances received on contracts in progress46 | - | €29k | €24k | €28k | €32k | ▲ 13.1% |
| Taxes, remuneration and social security45 | - | €129k | €193k | €261k | €306k | ▲ 17.3% |
| Taxes450/3 | - | €28k | €31k | €51k | €42k | ▼ 18.6% |
| Remuneration and social security454/9 | - | €101k | €162k | €209k | €264k | ▲ 26.1% |
| Other amounts payable47/48 | - | €61k | €86k | €440k | €517 | ▼ 99.9% |
| Accrued charges and deferred income492/3 | - | €687k | €977k | €1.12M | €1.29M | ▲ 14.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-333k | €220k | €19k | €-286k | €-999k | ▼ 249% |
| + Depreciation and write-downs630 | €582k | €639k | €657k | €708k | €753k | ▲ 6.4% |
| Operating cash flow (approximation) | €249k | €859k | €676k | €422k | €-245k | ▼ 158% |
| Investment in fixed assets (approximation) | - | €-834k | €-813k | €-1.00M | €-958k | ▲ 4.2% |
| Change in cash | - | €-13k | €69k | €-80k | €530 | ▲ 101% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
26-08
State Gazette act
Statutes amendment · MiscellaneousName change · Power of attorney5 facts ▸
State Gazette act
Statutes amendment · Miscellaneous
Name change · Power of attorney5 facts ▸
- General meeting, 21-08-2026
- Name change, Septeo Corporate Lawyer Solutions BE
- Statutes amendment
- Statutes amendment
- Power of attorney
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 90 days late
2024
31-12
Financial
Weakest financial yearnet €-999k
Net result drops to €-999k, the lowest in the series.
14-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 75 days late
2023
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €220k
Net result €220k after 2 loss-making years.
31-12
Financial
Equity above €500kEq €622k ▲95.4%
Equity rises from €318k to €622k.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
24-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 22 acts read
About the unread acts
Of the 22 Belgian State Gazette acts we know for this company, 1 has been read. The other 21 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
22 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Boortmeerbeek · 1 establishment unit since 1999
Ground area
5,002 m²
Building footprint
1,518 m²
Volume, LiDAR
2,206 m³
2 parcels, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KNOWLIAH
since 19992.091.496.677
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24014D0048/00S000 | Flanders | 2,532 m² | 1 · 346 m² | 7.5 m · 2 fl. |
| 24014D0048/00N000 | Flanders | 2,470 m² | 1 · 1,172 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2022 to 2025 · 8 entries · 19,445 EUR awarded · 19,203 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 60 EUR | 0 EUR |
| 2024 | 1 | 299 EUR | 117 EUR |
| 2023 | 3 | 12,836 EUR | 12,836 EUR |
| 2022 | 3 | 6,250 EUR | 6,250 EUR |
Schemes
Subsidies voor internationaal ondernemen
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
European research
1 project · 1 as coordinator · 50,000 EUR EU contributionProgrammes
Horizon 2020
Projects
Clearing House for Knowledge Options (CHoKO) - creating a marketplace for knowledge
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 38,627 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-04-1999
Fiscal year end31-12
Legal name NL
Septeo Corporate Lawyer Solutions BE
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
47400Retail sale of information and communication equipment
62100Computer programming
Contact
Scores and ratios are computed by Checked and are not a credit decision.