Turnover
≈ €130,000 estimated
The micro format states no turnover.
Lowatech
Overview
Lifetime
1 annual account with figurespeak €61,568 (2025)
€61,568
peak €43,060 (2025)
€43,060
peak €48,060 (2025)
€48,060
€22,098
Board1 name since 2025
1 directorOPDENAKKER Sander Jan Theo
Documentsfilings and deeds
07-04-2026115 days before the deadline
2025micro format
Incorporation 27-031 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000 500 shares
Checked score
97
Excellent
Financially stronger than 76% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 0.4%highest value
05-2026: < 0.1%▼ -0.4 percentage points vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026lowest value
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.90, cash €28,209
Equity €48,060 (68.5% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 64% of them on solvency, 79% on liquidity and 84% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as Lowatech has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Lowatech itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for Lowatech. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.9, above the usual 1.5. Short-term debt is 31.3% and cash 40.2% of total assets. 31.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 07-04-2026, 115 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
115 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1021427717
Incorporation
Founding capital of €5,000, 500 shares · Founder: OPDENAKKER Sander Jan Theo · Appointment: OPDENAKKER Sander Jan Theo (director) · published on 27-03-2025 · Gazette deed
First establishment
Arenbergstraat 9, Lummen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Lowatech Lummen | €70,159 | €61,568 | 68.5% | - |
| YPOSTEL CONSULTING Lummen | €69,789 | €60,670 | 71.5% | - |
| Aventiq Alken | €73,395 | €60,886 | 60.6% | - |
| OLIVAND Zonhoven | €74,114 | €64,537 | 72.4% | - |
| ExConAd Hasselt | €64,661 | €60,624 | 78.2% | - |
| TAITA CONSULT Hasselt | €67,923 | €56,703 | 69.8% | - |
| InTo Building Services Bilzen-Hoeselt | €75,113 | €59,173 | 68.6% | - |
These companies have the same main activity as Lowatech: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €64,700 and €75,100, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 25-03-2025Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.371.623.9673560 Lummen, since 25-03-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 07-04-2025
Annual accounts 2025
- €61,568
- €43,060
- €48,060
- €70,159
- Filing
- Filed on 07-04-2026, 115 days before the end of the filing period
Insights on Lowatech
Lowatech has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48,060 and a net result of €43,060.
Its solvency ranks better than 64% of 39,368 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 07-04-2026, 115 days before the deadline€61,568
€61,268
€43,060
€41,786
68.5%
2.90
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €130,000. Estimated: probably between €95,000 and €160,000.
Balance sheet
balance sheet total €70,159 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
68.5%
Higher than 64% of 39,368 companies in 2025.
2.90
Higher than 62% of 38,051 companies in 2025.
61.4%
Higher than 92% of 38,523 companies in 2025.
Lowatech
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
70,159 | |
21/28 |
6,386 | |
22/27 |
6,386 | |
24 |
6,386 | |
29/58 |
63,773 | |
40/41 |
35,564 | |
40 |
35,564 | |
54/58 |
28,209 | |
| Balance sheet: equity and liabilities | ||
10/49 |
70,159 | |
10/15 |
48,060 | |
10/11 |
5,000 | |
13 |
43,060 | |
133 |
43,060 | |
17/49 |
22,098 | |
42/48 |
21,987 | |
44 |
1,487 | |
440/4 |
1,487 | |
45 |
15,362 | |
450/3 |
15,362 | |
47/48 |
5,138 | |
492/3 |
111 | |
| Income statement | ||
9900 |
61,568 | |
630 |
300 | |
9901 |
61,268 | |
65/66B |
1,964 | |
65 |
1,964 | |
9903 |
59,304 | |
67/77 |
16,243 | |
9904 |
43,060 | |
9905 |
43,060 | |
| Appropriation of the result | ||
9906 |
43,060 | |
691/2 |
43,060 | |
6921 |
43,060 | |
| Document | ||
The notes to these accounts have 14 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 07-04-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 07-04-2026 | 2026-00073244 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 61,568 | ||
| 43,361 | ||
| 6,686 | ||
| 41,786 | ||
| 68.5% | ||
| 2.90 | ||
| 0.46 | ||
| 89.6% | ||
| 61.4% | ||
| 31.35 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €6,686 |
| Financial fixed assets | €0 |
| €300 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on Lowatech
Debt's share of the balance-sheet total is 31.5%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 25-03-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 07-04-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “- met als gemachtigden tot besturen één of meer bestuurders, al dan niet aandeelhouders, die elk afzonderlijk de vennootschap kunnen…”deed of 27-03-2025
Mandates through the years
1 name, the dashed line is todayOPDENAKKER Sander Jan Theo
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- OPDENAKKER Sander Jan Theo
- Director (not named in the articles), from 25-03-2025 to date
Control
Capital
- Contribution
- €5,000
- Shares
- 500
- Contribution per share
- €10
- Equity per share
- €96.12 in 2025
- Source
- deed of 27-03-2025
Articles of association
deed of 27-03-2025 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 18:00
Shareholders
At incorporation
deed of 27-03-2025 ↗
- OPDENAKKER Sander Jan Theo 500 shares (100%) · €5,000 in cash
Network & group
No group
Lowatech has no parent and no holdings in its annual accounts. OPDENAKKER Sander Jan Theo is the only director. Lowatech shares no director with another company.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 115 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1021427717
IncorporationFounding capital of €5,000, 500 shares · Founder: OPDENAKKER Sander Jan Theo · Appointment: OPDENAKKER Sander Jan Theo (director) · published on 27-03-20253 points ▸
- Founder, OPDENAKKER Sander Jan Theo
- Founding capital, €5,000, 500 shares
- Director appointment, OPDENAKKER Sander Jan Theo (director (not named in the articles))
- The deed holds 6 more points.
First establishment Arenbergstraat 9, Lummen
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1021.427.717
- VAT number
- BE 1021.427.717
- Peppol ID
- 0208:1021427717
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 25-03-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 18:00deed of 27-03-2025 (in Dutch)
- Peppol
- Reachable since 07-04-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Lowatech in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 27-03-2025 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Arenbergstraat 9, 3560 Lummen”deed of 27-03-2025 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het in de ruimste zin van het woord verlenen van diensten – zowel consultancy als implementatie -,advies en bijstand aan particulieren,de…”deed of 27-03-2025 (in Dutch)
28 activities
- Het in de ruimste zin van het woord verlenen van diensten – zowel consultancy als implementatie -,advies en bijstand aan particulieren,de bedrijfswereld en de overheid inzake onder meer:
- In het algemeen adviezen van financiële,technische,(bedrijfs-)economische,strategische,HR,sociale,organisatorische,vergunning gerelateerde aard,commerciële of administratieve aard;
- Adviesverlening inzake IT,SAP,Application Service Providing en Enterprise Resource Planning,alsmede (bestaande) toepassingen aanbieden op afstand;
- Advies inzake bedrijfsinformatica,informatietechnologieën,informatica (toepassingen),kwaliteit,productie,HR(M),engineering,logistiek en aanverwanten;
- Adviesverlening op het vlak van promo- en salesmateriaal alsmede drukwerk,mediaplanning,het uitwerken van marketinganalyse,marketing communicatie en -campagnes en advies hieromtrent;
- Strategieformulering,studie van bedrijfsprocessen,organisatie van studies,advies over het opzetten van netwerkeconomieën;
- Adviezen op het vlak van duurzame bedrijfsvoering,duurzame communicatie,duurzame innovatie en duurzaam asset management;
- Het aanbieden van technieken,methodieken en processen aan ondernemers en ondernemingen met het oog op het professionaliseren en transformeren van hun producten,diensten,organisatie en afdelingen;
- Advies met betrekking tot financiering van (duurzame) investeringen,haalbaarheidsanalyses,alsmede het uitwerken van kostenbatenanalyse;
- Adviesverlening op het vlak van de verkoop en commercialisatie van (nieuwbouw-)projecten,met inbegrip van social media marketing;
- Het onderhandelen van voorwaarden en sluiten van overeenkomsten m.b.t. het voorgaande;
- Het voeren van interim-management bij bedrijven;
- Handel en advies in alle soorten machines;
- Het ontwerpen,exploiteren,commercialiseren,demonstreren en beheren van hardware-,softwaretoepassingen,informatiesnelwegen,clouddiensten,automatiseringsprocessen alsook alle mogelijke diensten en advieswerkzaamheden in dit verband in de meest ruime zin;
- Het bestuur van,het toezicht op en de controle over vennootschappen en ondernemingen,in het bijzonder (maar niet beperkt tot) haar verbonden vennootschappen en vennootschappen waarin zij rechtstreeks of onrechtstreeks een participatie of belang aanhoudt,met name door er de functies van bestuurder,zaakvoerder,gedelegeerd bestuurder of,in voorkomend geval,vereffenaar uit te oefenen;
- Het waarnemen van alle bestuursopdrachten,het uitoefenen van mandaten en functies die rechtstreeks of onrechtstreeks met haar voorwerp verband houden;
- Zowel voor eigen rekening,voor rekening van derden,als in deelneming met derden,bijdragen tot de vestiging en de ontwikkeling van ondernemingen;
- De verwerving van participaties en belangen,onder welke vorm ook,met name door inbreng in geld of in natura,inschrijving,fusie,splitsing,partiële splitsing of enige andere manier,in bestaande of op te richten vennootschappen en ondernemingen met commerciële,industriële,financiële,vastgoed of andere activiteiten,wat hun voorwerp ook is;
- Het verwerven,door inschrijving of aankoop,voor eigen rekening van aandelen,obligaties,kasbons of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten vennootschappen;
- Het toestaan van leningen en kredietopeningen aan vennootschappen en particulieren,de borgstelling,het verlenen van aval en alle overige financiële verrichtingen behoudens deze die wettelijk voorbehouden zijn aan de banken,spaarkassen hypotheekmaatschappijen en kapitalisatieondernemingen en erkende financiële tussenpersonen;
- Het voor eigen rekening aanleggen,het oordeelkundig uitbouwen en beheren van een roerend en onroerend vermogen;
- Het organiseren van studiedagen,opleidingen,cursussen,seminaries,workshops,conferenties,werklunches,recepties,diners en soortgelijke activiteiten ten behoeve van cliënten,potentiële cliënten en andere relaties van de vennootschap;
- Het maken van studies van diverse aard;
- Het beheer en de exploitatie van intellectuele eigendomsrechten;
- Het beheer van en de handel in onroerende goederen voor eigen rekening. Zo kan de vennootschap onroerende goederen bouwen,renoveren,kopen en verkopen,huren en verhuren en alle mogelijke onroerende handelingen verrichten die daarmee verband houden;
- Het verhuren en exploiteren van alle mogelijke roerende en onroerende goederen;
- De vennootschap kan als waarborg voor eigen verbintenissen en voor verbintenissen van derden borg staan,onder meer door haar goederen in hypotheek of in pand te geven,inclusief de eigen handelszaak;
- Projectontwikkeling;
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Arenbergstraat 9 registered office 3560 Lummen 62200 Computer consultancy and computer facilities management | 25-03-2025 | 2.371.623.967 |
Buildings and parcels at the address
- Ground area
- 716 m²
- Buildings
- 132 m²
- Volume, LiDAR
- 1,798 m³
- Tallest building
- 19.7 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 71035B0829/00S000 | 716 m² | 1 · 132 m² | 19.7 m · 5 |