LOWETTE-WINTERS
LOWETTE-WINTERS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €252k and a net result of €50k. Equity is growing by ~44.1% per year across the filed fiscal years. Its solvency ranks better than 49% of 773 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €252k |
| Net result | €50k |
| Better than sector | 49% |
| Active | 4 yrs |
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 37.8% | 38.6% | |
| Net result | €50k | €28k | |
| Equity | €252k | €62k | |
| Gross operating margin | €149k | €66k | |
| Total assets | €666k | €191k |
Show 2 other metrics
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €50k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €13k |
| Dividends | - |
| Total assets | €666k |
| Equity | €252k |
| Debt | €414k |
| of which ≤ 1y | €367k |
| of which > 1y | €47k |
| Working capital | n/a |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 37.8% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 7.5% |
| ROE | 20.0% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Full annual accounts (23 line items)
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €666k |
| Fixed assets | 21/28 | €568k |
| Intangible fixed assets | 21 | €560k |
| Tangible fixed assets | 22/27 | €8k |
| Current assets | 29/58 | €98k |
| Amounts receivable within one year | 40/41 | €84k |
| Cash & bank | 54/58 | €10k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €666k |
| Equity | 10/15 | €252k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €247k |
| Amounts payable | 17/49 | €414k |
| Amounts payable after one year | 17 | €47k |
| Amounts payable within one year | 42/48 | €367k |
| Trade debts payable within one year | 44 | €17k |
| Income statement | ||
| Gross operating margin | 9900 | €149k |
| Operating result | 9901 | €66k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €63k |
| Income taxes | 67/77 | €13k |
| Net result for the period | 9904 | €50k |
| Result to be appropriated | 9905 | €50k |
| NACE primary | Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen(66199) |
| Legal form | Private limited company(610) |
| Incorporation | 11-10-2021 |
| Status | Active |
| Postal code | 3530 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72014C0539/00V000 | Flanders | 1,377 m² | 1 · 379 m² | 10.9 m · 2 fl. |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
09-02-2023 Nickmans Finance appointed as daily management
- Nickmans Finance, Dagelijks bestuur
Technical details
{
"events": [
{
"kind": "delegation_dagelijks_bestuur_in",
"role": "dagelijks_bestuur",
"person": null,
"reason": null,
"subkind": "additional",
"via_org": {
"kbo": "0678.877.759",
"name": "Nickmans Finance",
"address": "Kermstraat 17",
"country": "BE",
"legal_form": null
},
"statutory": null,
"compensated": null,
"effective_date": null,
"evidence_quote": "De vergadering beslist om als bijzonder gevolmachtigde met ingang van heden te benoemen: de vennootschap Nickmans Finance, ondernemingsnummer 0678.87 7.759, met zetel te 3512 Hasselt, Kermstraat 17 vertegenwoordigd door haar bestuurder, de heer Peter NICKMANS",
"decharge_status": null,
"mandate_duration": {
"kind": "indefinite",
"value": null
},
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": "immediate"
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": null,
"filing_date": "2023-01-30",
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "algemene_vergadering",
"date": "2022-09-30",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0775.576.663",
"name_full": "LOWETTE-WINTERS",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Iris Carsau",
"org_rep_person_name": null,
"person_role_at_subject": "lasthebber"
},
"co_filed_documents": [
"Bijlagen bij het Belgisch Staatsblad"
],
"corrected_publication_numac": null
}| Legal nameNL | LOWETTE-WINTERS |