LOWI Invest
ActiveLOWI Invest has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €59k. Its solvency ranks better than 39% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+54
Solvency45▲+15
Growth78
Track record82
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.99 against 0.31 in 2024; short-term debt: 28.8% and cash: 23.1% of total assets), and 80.2% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.8%
Return on assets
15.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-10-2025, 103 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
103 d early
2024
101 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€74k▲ 380%
2024 · €16k
2024: €16k
2024 → 2025
Total assets
€375k▲ 23.4%
2024 · €304k
2024: €304k
2024 → 2025
Net result
€59k
2024 · €-4k
2024: €-4k
2024 → 2025
Working capital
€-999▲ 98.3%
2024 · €-58k
2024: €-58k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€16k-€74k▲ 380%
Operating result€-34-€81k
Net result€-4k-€59k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €81k after a loss of €34 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €375k
Fixed assets
€268k▼ 3.5%
Current assets
€107k▲ 309%
Equity and liabilities €375k
Equity
€74k▲ 380%
Debt
€301k▲ 4.3%
The debt ratio falls from 94.9% to 80.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€91k▲
2024 · €9k
Cash flow
€69k▲
2024 · €5k
Solvency
19.8%▲
2024 · 5.1%
Current ratio
0.99▲
2024 · 0.31
Quick ratio
0.99▲
2024 · 0.31
Debt / equity
4.05▼
2024 · 18.62
ROE
79.1%▲
2024 · -29.0%
ROA
15.7%▲
2024 · -1.5%
Interest coverage
10.51▲
2024 · 2.06
Debt
€301k▲
2024 · €289k
Debt ≤ 1 year
€108k▲
2024 · €84k
Debt > 1 year
€193k▼
2024 · €204k
Income taxes
€14k
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€304k€375k▲
Fixed assets21/28€278k€268k▼
Tangible fixed assets22/27€278k€268k▼
Land and buildings22€278k€268k▼
Current assets29/58€26k€107k▲
Amounts receivable within one year40/41€1k€20k▲
Trade receivables40-€20k
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€25k€87k▲
Deferred charges and accrued income490/1-€475
Equity and liabilities
Total equity and liabilities10/49€304k€375k▲
Equity10/15€16k€74k▲
Contributions10/11€20k€20k=
Reserves13-€54k
Distributable reserves133-€54k
Profit (loss) carried forward14€-4k€0▲
Amounts payable17/49€289k€301k▲
Amounts payable after more than one year17€204k€193k▼
Financial debts170/4€204k€193k▼
Amounts payable within one year42/48€84k€108k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€296€0▼
Suppliers440/4€296€0▼
Taxes, remuneration and social security45-€18k
Taxes450/3-€16k
Remuneration and social security454/9-€3k
Other amounts payable47/48€73k€78k▲
Accrued charges and deferred income492/3€296€0▼
Income statement
Code20242025
Non-recurring operating income76A€1k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€2k€442▼
Gross operating margin9900€11k€91k▲
Operating profit (loss)9901€-34€81k▲
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€-4k€72k▲
Income taxes67/77-€14k
Profit (loss) for the period9904€-4k€59k▲
Profit (loss) for the period to be appropriated9905€-4k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€54k▲
Profit (loss) brought forward from the previous period14P-€-4k
Transfer to equity691/2-€54k
To other reserves6921-€54k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (18 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
20-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Martens-Latem · 1 establishment unit since 2023
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.
Kortrijksesteenweg 189830 Sint-Martens-LatemGround area
1,874 m²
Building footprint
736 m²
Volume, LiDAR
3,952 m³
Parcel 44064B0441/00R007, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LOWI Invest
since 20232.351.867.542
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0441/00R007 | Flanders | 1,873 m² | 1 · 736 m² | 7.3 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 7,053 EUR awarded · 7,053 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,500 EUR | 4,500 EUR |
| 2024 | 1 | 2,553 EUR | 2,553 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,322 companies in sector 68110 we hold annual accounts for 5,382. 3,541 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2023
Fiscal year end30-06
Activities, NACEBEL
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.