LOWIE RUDI
ActiveSummary
LOWIE RUDI has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,122 and a net result of €4,404. Equity is shrinking by about 3.4% per year across the filed financial years. Its solvency ranks better than 85% of 34,699 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
- Equity
- €26,122
- Profit
- €4,404
- LOWIE RudiDirector
Why 88raises riskSize: total assets €32,923Sector: Specialised construction activities (NACE 43)lowers riskFounded in 2015Figures for financial year 2025 (filed 04-05-2026)Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 90% on solvency, 54% on liquidity, 69% on profitability and 68% on growth.
The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 4 accounts on average 10 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €4,404
- Liquidity more than doubledcurrent ratio 2.71
Financials · financial year 2025, micro format
2023 to 2025, 3 financial years 2023 to 2025, 3 financial years
The operating result returns to profit in 2025: €4,966 after a loss of €5,215 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 43, Specialised construction activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 34,695 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95.3% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,475 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,695 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,659 | €7,917 | €7,917 | = |
| Other operating charges640/8 | €1,205 | €1,205 | €1,179 | ▼ 2.1% |
| Gross operating margin9900 | €26,126 | €3,907 | €14,062 | ▲ 260% |
| Operating profit (loss)9901 | €19,262 | -€5,215 | €4,966 | - |
| Financial income75/76B | €28 | €254 | €221 | ▼ 13.0% |
| Recurring financial income75 | €28 | €254 | €221 | ▼ 13.0% |
| Financial charges65/66B | €1,003 | €1,020 | €593 | ▼ 41.9% |
| Recurring financial charges65 | €1,003 | €1,020 | €593 | ▼ 41.9% |
| Profit (loss) for the period before taxes9903 | €18,286 | -€5,981 | €4,594 | - |
| Income taxes67/77 | €4,146 | €176 | €190 | ▲ 8.0% |
| Profit (loss) for the period9904 | €14,140 | -€6,157 | €4,404 | - |
| Profit (loss) for the period to be appropriated9905 | €14,140 | -€6,157 | €4,404 | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €49,748 | €35,871 | €32,923 | ▼ 8.2% |
| Fixed assets21/28 | €30,352 | €22,435 | €14,518 | ▼ 35.3% |
| Tangible fixed assets22/27 | €30,352 | €22,435 | €14,518 | ▼ 35.3% |
| Plant, machinery and equipment23 | €5,613 | €4,228 | €2,842 | ▼ 32.8% |
| Furniture and vehicles24 | €11,243 | €7,812 | €4,380 | ▼ 43.9% |
| Leasing and similar rights25 | €13,496 | €10,396 | €7,296 | ▼ 29.8% |
| Current assets29/58 | €19,396 | €13,436 | €18,405 | ▲ 37.0% |
| Amounts receivable after more than one year29 | €0 | - | - | - |
| Trade receivables290 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €6,314 | €8,397 | €12,547 | ▲ 49.4% |
| Trade receivables40 | €4,439 | €3,780 | €7,191 | ▲ 90.2% |
| Other amounts receivable41 | €1,875 | €4,617 | €5,357 | ▲ 16.0% |
| Cash at bank and in hand54/58 | €11,897 | €3,151 | €3,616 | ▲ 14.8% |
| Deferred charges and accrued income490/1 | €1,185 | €1,888 | €2,242 | ▲ 18.8% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €49,748 | €35,871 | €32,923 | ▼ 8.2% |
| Equity10/15 | €27,875 | €21,718 | €26,122 | ▲ 20.3% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €32,637 | €32,637 | €32,637 | = |
| Non-distributable reserves130/1 | €100 | €0 | - | - |
| Reserves not available under the articles1311 | €100 | €0 | - | - |
| Distributable reserves133 | €32,537 | €32,637 | €32,637 | = |
| Profit (loss) carried forward14 | -€5,762 | -€11,919 | -€7,515 | ▲ 36.9% |
| Amounts payable17/49 | €21,873 | €14,153 | €6,801 | ▼ 51.9% |
| Amounts payable after more than one year17 | €7,697 | €2,570 | €0 | ▼ 100% |
| Financial debts170/4 | €7,697 | €2,570 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €14,177 | €11,584 | €6,801 | ▼ 41.3% |
| Current portion of amounts payable after more than one year42 | €4,742 | €5,127 | €2,570 | ▼ 49.9% |
| Trade debts44 | €3,095 | €4,235 | €3,866 | ▼ 8.7% |
| Suppliers440/4 | €3,095 | €4,235 | €3,866 | ▼ 8.7% |
| Taxes, remuneration and social security45 | €6,340 | €2,222 | €365 | ▼ 83.6% |
| Taxes450/3 | €6,340 | €2,222 | €365 | ▼ 83.6% |
| Other amounts payable47/48 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | €0 | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €14,140 | -€6,157 | €4,404 | - |
| + Depreciation and write-downs630 | €5,659 | €7,917 | €7,917 | = |
| Operating cash flow (approximation) | €19,799 | €1,760 | €12,321 | ▲ 600% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | -€8,745 | €465 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (4)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-09-2025 | micro format | 29-04-2026 | 2026-00100307 |
| 30-09-2024 | micro format | 29-04-2025 | 2025-00085479 |
| 30-09-2023 | micro format | 23-04-2024 | 2024-00068521 |
| 30-09-2015 | abbreviated format | 30-03-2016 | 2016-07900418 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Board 1
Statutory auditor 1
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- Statutory auditor
- began earlier
| Name | Functions and periods |
|---|---|
| LOWIE Rudi |
|
| Foederer DFK Acountants |
|
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
13-11
Gazette deed
Appointments: Foederer DFK Acountants (company auditor) and LOWIE Rudi (director)Resignation: LOWIE Rudi (manager) · Auditor report · Net-asset statement15 facts ▸
- Other provision, “ter griffie neergelegde kopie voor bijlagen Belgisch Staatsblad”, 23143957 (deed in Dutch)
- General meeting, 05-10-2023
- Auditor report, EUR, “normatief kader Instituut van de Bedrijfsrevisoren inzake opdracht bij omzetting rechtsvorm” (deed in Dutch)
- Auditor appointment, Foederer DFK Acountants (company auditor)
- Net-asset statement, “verslag van revisor, netto vermogen groter dan actueel kapitaal” (deed in Dutch)
- Legal-form conversion, “besloten vennootschap” (deed in Dutch)
- Share issue, “nieuwe aandelen aan vennoten in zelfde aantallen als thans op naam ingeschreven na vorengaande beslissing” (deed in Dutch)
- Capital conversion, “vormen en meerderheden statutenwijziging, opheffing statutair onbeschikbare eigen vermogensrekening en beschikbaar maken voor uitkering” (deed in Dutch)
- General meeting, “eenparigheid van stemmen, statuten goedkeuren” (deed in Dutch)
- Director resignation, LOWIE Rudi (manager)
- Director appointment, LOWIE Rudi (director (not named in the articles))
- Other provision, “kwijting ontslagnemende zaakvoerder, volgende jaarvergadering” (deed in Dutch)
- +3 further facts in this act
About the unread acts
Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 25 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice, with enterprise number 0597.742.803
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71562B0904/00F048 | Flanders | 1,991 m² | 1 · 152 m² | 8.3 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Het uitvoeren van grondwerken; Het bouwen,herstellen en onderhouden van wegen; Het aanleggen van parken en tuinen; Het bouwen van stellingen…” (deed in Dutch)
9 activities (deed in Dutch)
- Het uitvoeren van grondwerken;
- Het bouwen,herstellen en onderhouden van wegen;
- Het aanleggen van parken en tuinen;
- Het bouwen van stellingen alsmede voor het invoegen en reinigen van gevels;
- Het plaatsen van wanden en plafonds in gipskarton;
- Het leggen van chapе;
- Het lappen van ramen;
- Onderhouds- en herstellingswerken van mechanische aard voor rekening van derden;
- Onderhouds- en herstellingswerken van gebouwen.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- LOWIE RUDI
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, administratieve zetels,agentschappen,werkhuizen,stapelplaatsen,bijkantoren in België of buitenland bij enkel besluit…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 11. Bevoegdheden van het bestuursorgaan Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders aan…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Natuurlijke personen of rechtspersonen,al dan niet aandeelhouder, 1” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam, register van aandelen op naam met WVV-vermeldingen” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Wednesday of March at 19:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Algemene vergadering in vormen statutenwijziging, op elk moment” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed