LOWESCO
ActiveThe annual accounts of LOWESCO for fiscal year 2025 show a net loss of 59% of total assets. The 2025 annual accounts show equity of €61k and a net result of €-37k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 31616 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-40
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 47.17 against 30.83 in 2024; short-term debt: 2.1% and cash: 89.6% of total assets), and 2.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
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
97.9%
Return on assets
-58.7%
Age of the figures
18 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
4 d early
2022
3 d early
2021
2 d early
2020
51 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▼ 37.5%
2024 · €98k
2019: €30k
2020: €74k
2021: €94k
2022: €88k
2023: €97k
2024: €98k
2019 → 2025
Total assets
€63k▼ 37.7%
2024 · €101k
2019: €99k
2020: €158k
2021: €127k
2022: €132k
2023: €132k
2024: €101k
2019 → 2025
Net result
€-37k
2024 · €970
2019: €156
2020: €44k
2021: €20k
2022: €-6k
2023: €9k
2024: €970
2019 → 2025
Working capital
€61k▼ 16.1%
2024 · €73k
2019: €5k
2020: €49k
2021: €69k
2022: €63k
2023: €72k
2024: €73k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€88k▼ 6.4%€97k▲ 10.2%€98k▲ 1.0%€61k▼ 37.5%
Operating result€27k-€-6k€13k€1k▼ 89.2%€-12k
Net result€20k-€-6k€9k€970▼ 89.2%€-37k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €1k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €63k
Equity
€61k▼ 37.5%
Debt
€1k▼ 45.8%
The debt ratio falls from 2.4% to 2.1%. Equity and debt are lower.
Key figures and ratios
Solvency
97.9%▲
2024 · 97.6%
Current ratio
47.17▲
2024 · 30.83
Quick ratio
47.17▲
2024 · 30.83
Debt / equity
0.02▼
2024 · 0.02
ROE
-60.0%▼
2024 · 1.0%
ROA
-58.7%▼
2024 · 1.0%
Debt
€1k▼
2024 · €2k
Debt ≤ 1 year
€1k▼
2024 · €2k
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€101k€63k▼
Fixed assets21/28€25k-
Financial fixed assets28€25k-
Current assets29/58€76k€63k▼
Amounts receivable within one year40/41€15k€6k▼
Trade receivables40€9k-
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€61k€56k▼
Equity and liabilities
Total equity and liabilities10/49€101k€63k▼
Equity10/15€98k€61k▼
Contributions10/11€30k€30k=
Profit (loss) carried forward14€68k€31k▼
Amounts payable17/49€2k€1k▼
Amounts payable within one year42/48€2k€1k▼
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Other operating charges640/8€616€2k▲
Gross operating margin9900€2k€-10k▼
Operating profit (loss)9901€1k€-12k▼
Financial income75/76B-€199
Recurring financial income75-€199
Financial charges65/66B€50€25k▲
Recurring financial charges65€50€54▲
Non-recurring financial charges66B-€25k
Profit (loss) for the period before taxes9903€1k€-37k▼
Income taxes67/77€353-
Profit (loss) for the period9904€970€-37k▼
Profit (loss) for the period to be appropriated9905€970€-37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€31k▼
Profit (loss) brought forward from the previous period14P€67k€68k▲
The notes to these accounts (3 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-37k ▼3891%
Net result drops to €-37k, the lowest in the series.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity times 10current ratio 30.83
Current ratio from 3.05 to 30.83; short-term debt falls from €35k to €2k.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
31-03
Financial
Highest result since 2019net €44k ▲28070%
Operating result €55k, net result €44k, both a record.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gavere · 1 establishment unit since 2018
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.
Leenstraat 1A9890 GavereGround area
981 m²
Building footprint
148 m²
Volume, LiDAR
825 m³
Parcel 44071A0261/00R000, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOWESCO
since 20182.272.958.042
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44071A0261/00R000 | Flanders | 981 m² | 1 · 148 m² | 6.1 m · 2 fl. |
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.
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Of 5,696 companies in sector 70100 we hold annual accounts for 3,489. 2,118 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2018
Fiscal year end31-03
Activities, NACEBEL
70100Activities of head offices
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.