Lowet Koen
ActiveLowet Koen has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-20k) and a net result of €2k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 13% of 642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▲+45
Solvency0=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.63 against 0.59 in 2024; short-term debt: 134.8% and cash: 8.5% of total assets), and 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 32
Relative position
BE, all sectors
reference
Sector 32
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
-34.8%
Return on assets
3.4%
Age of the figures
9 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 642 sector peers (2025).
NBB · sector comparisonPosition among 642 sector peers
Solvency
better than 13%
← weakest
strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
28 d late
2023
28 d late
2022
1 d late
2021
25 d late
2020
31 d late
2019
137 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-20k▲ 8.9%
2024 · €-22k
2018: €-41k
2019: €-37k
2020: €-55k
2021: €-46k
2022: €-41k
2023: €-13k
2024: €-22k
2018 → 2025
Total assets
€57k▲ 1.2%
2024 · €57k
2018: €151k
2019: €73k
2020: €47k
2021: €53k
2022: €48k
2023: €59k
2024: €57k
2018 → 2025
Net result
€2k
2024 · €-9k
2018: €-67k
2019: €4k
2020: €-18k
2021: €9k
2022: €5k
2023: €28k
2024: €-9k
2018 → 2025
Working capital
€-29k▲ 3.1%
2024 · €-30k
2018: €-77k
2019: €-54k
2020: €-73k
2021: €-66k
2022: €-60k
2023: €-25k
2024: €-30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-46k-€-41k▲ 11.5%€-13k▲ 68.7%€-22k▼ 72.5%€-20k▲ 8.9%
Operating result€16k-€10k▼ 39.4%€34k▲ 246%€-6k€6k
Net result€9k-€5k▼ 43.4%€28k▲ 430%€-9k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57k
Fixed assets
€9k▼ 35.9%
Current assets
€48k▲ 13.3%
Key figures and ratios
EBITDA
€11k▲
2024 · €804
Cash flow
€7k▲
2024 · €-2k
Solvency
-34.8%▲
2024 · -38.6%
Current ratio
0.63▲
2024 · 0.59
Quick ratio
0.19▲
2024 · 0.13
Debt / equity
-3.87▼
2024 · -3.59
ROA
3.4%▲
2024 · -16.2%
Interest coverage
2.92▲
2024 · 0.26
Debt
€77k▼
2024 · €78k
Debt ≤ 1 year
€77k▲
2024 · €72k
Debt > 1 year
€0▼
2024 · €6k
Income taxes
€208▲
2024 · €181
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€57k€57k▲
Fixed assets21/28€14k€9k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€14k€9k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€10k€5k▼
Current assets29/58€43k€48k▲
Stocks and contracts in progress3€33k€34k▲
Stocks30/36€33k€34k▲
Amounts receivable within one year40/41€4k€8k▲
Trade receivables40€4k€8k▲
Other amounts receivable41€338€570▲
Current investments50/53€19€19=
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€3k€997▼
Equity and liabilities
Total equity and liabilities10/49€57k€57k▲
Equity10/15€-22k€-20k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-30k€-28k▲
Amounts payable17/49€78k€77k▼
Amounts payable after more than one year17€6k€0▼
Financial debts170/4€6k€0▼
Amounts payable within one year42/48€72k€77k▲
Current portion of amounts payable after more than one year42€9k€6k▼
Financial debts43€11k€14k▲
Credit institutions430/8€9k€10k▲
Other loans439€1k€5k▲
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€50k€51k▲
Income statement
Code20242025
Non-recurring operating income76A-€8
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Other operating charges640/8€289€2k▲
Non-recurring operating charges66A-€79
Gross operating margin9900€1k€12k▲
Operating profit (loss)9901€-6k€6k▲
Financial income75/76B€35€1▼
Recurring financial income75€35€1▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€-9k€2k▲
Income taxes67/77€181€208▲
Profit (loss) for the period9904€-9k€2k▲
Profit (loss) for the period to be appropriated9905€-9k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-28k▲
Profit (loss) brought forward from the previous period14P€-21k€-30k▼
The notes to these accounts (7 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €28k ▲430%
Operating result €34k, net result €28k, both a record.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
15-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 137 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Beringen · 1 establishment unit since 2014
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.
Meldertsesteenweg 593583 BeringenGround area
818 m²
Building footprint
174 m²
Volume, LiDAR
950 m³
Parcel 71382C0724/00N000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lowet Koen
since 20142.227.815.331
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382C0724/00N000 | Flanders | 818 m² | 1 · 174 m² | 7.6 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.
Similar companies · same sector, comparable size
3C GROUP
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AZAO Print & Editions
BE 0705.888.202
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FRACTURE ENTERTAINMENT
BE 0774.319.029
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NETTEN EN MEER
BE 0737.750.425
Wevelgem · Eq €25k
GDM Sports
BE 0780.827.531
Antwerpen · Eq €24k
Of 337 companies in sector 32400 we hold annual accounts for 102. 70 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2014
Fiscal year end31-12
Activities, NACEBEL
32400Other manufacturing
47120Other non-specialised retail sale
47640Retail sale of games and toys
47650Retail trade
47910Retail trade
86904Human health activities
86931Psychology services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.