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LOWIE BRICKS

Active
Private limited companyfounded 201412 yrs activeRopswalle 13, 8930 Menen, BelgiumKBO/BCE: BE 0561.942.279
Summary

LOWIE BRICKS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €841,508 and a net result of €11,797. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 324 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
LOWIE BRICKSActiveChecked score 81/100
Risk analysis ReportCompare

Overview

Activity
Manufacture of other non-metallic mineral products
NACE 23321
2 sites
Size
€3.1mtotal assets 2025
Staff
11.5 FTE
Equity
€841,508
Profit
€11,797
Turnover not published (abridged schema)
Financial health
81 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Parent
GROEP ROUSSEL · 52%
Board
2 members
Accounts 28 d early1 of 6 deeds read
Why 81- Liquidity: current ratio 0.57, cash €45,149- Size: 11.5 FTE, total assets €3.1m+ Figures for FY 2025 (filed 03-07-2026)+ Sector Manufacture of other non-metallic mineral products (NACE 23)Show the evidence

Checked score

Score 2025
81 / 100
Excellent
Probability in this band: under 0.55%
Better than 29% of its sector peers (NACE 23, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 52-24
equity 27.0% of total assets
Liquidity 12-18
short-term debt 73.0% · cash 1.4%
Profitability 69-4
return on assets 0.4%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (234 companies)
Last 24 months 11-2024: 0.5%highest value 12-2024: 0.2%▼ -56.2% vs 11-2024 01-2025: 0.2%● 0.0% vs 12-2024 02-2025: 0.2%● 0.0% vs 01-2025 03-2025: 0.2%▼ -5.1% vs 02-2025lowest value 04-2025: 0.2%▲ +10.8% vs 03-2025 05-2025: 0.2%▼ -0.9% vs 04-2025 06-2025: 0.2%▲ +11.2% vs 05-2025 07-2025: 0.3%▲ +11.2% vs 06-2025 08-2025: 0.3%▲ +22.0% vs 07-2025 09-2025: 0.3%▼ -0.3% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -1.5% vs 12-2025 02-2026: 0.3%● 0.0% vs 01-2026 03-2026: 0.3%● 0.0% vs 02-2026 04-2026: 0.4%▲ +25.6% vs 03-2026 05-2026: 0.4%▲ +0.7% vs 04-2026 06-2026: 0.4%▼ -4.5% vs 05-2026 07-2026: 0.5%▲ +16.0% vs 06-2026 08-2026: 0.4%▼ -11.0% vs 07-2026 09-2026: 0.4%● 0.0% vs 08-2026 10-2026: 0.4%● 0.0% vs 09-2026
  • Liquidity: current ratio 0.57, cash €45,149 raises the probability
  • Figures for FY 2025 (filed 03-07-2026) lowers the probability
  • Size: 11.5 FTE, total assets €3.1m raises the probability for this profile
  • Sector Manufacture of other non-metallic mineral products (NACE 23) lowers the probability
Credit up to €65,000 at 30 days acceptable
Liquidity short (current ratio 0.57 against 0.84 in 2024; short-term debt: 73% and cash: 1.4% of total assets), and 73% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 23, small). Better than this share of them on solvency 28%, liquidity 7%, profitability 46%, growth against the median 37%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.57, cash €45,149
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 03-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Size: 11.5 FTE, total assets €3.1m
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Sector Manufacture of other non-metallic mineral products (NACE 23)
In the bankruptcy model this factor lowers the probability.
KBO
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 d early
2024
31 d early
2023
on the day
2022
8 d early
2021
9 d early
2020
38 d early
2019
10 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 11 days before the deadline, and 34% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 22 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Appointments: GRAVELINES (director) and ROUSSEL MARIE…Permanent representatives: Viktor Roussel and…
  2. Annual accounts filedfiscal year 2025 · abbreviated…
  3. Annual accounts filedfiscal year 2024 · abbreviated…

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Controlled by GROEP ROUSSEL 52% View
  • Positive: Staff rose in 2025from 7.8 FTE to 11.5 FTE ▲ 47.4% View
  • New directorslatest change 01-01-2026 · 2 in office 2 joined View
  • Among the largest 17% on gross marginsector median €343,772 · 324 companies €1.1m View

By topic

Financials

Fiscal year
2025
Total assets
€3.1m
Profit
€11,797
Solvency
27.0%
Total assets▲ 91.6%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 06-07-2026Appointments: GRAVELINES (director) and ROUSSEL MARIE (director)
  2. 03-07-2026Annual accounts filed
  3. 30-06-2025Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Manufacture of other non-metallic mineral productsNACE 23321
Founded
15-09-2014
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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