LOWIST IMMO
ActiveLOWIST IMMO has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €970k and a net result of €80k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-12
Solvency70▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.63 against 0.56 in 2024), and 27.5% 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○neutral
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 · 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
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
72.5%
Return on assets
6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
1 d early
2022
3 d early
2021
34 d early
2020
25 d late
2019
33 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€970k▲ 9.0%
2024 · €890k
2018: €480k
2019: €542k
2020: €594k
2021: €666k
2022: €717k
2023: €795k
2024: €890k
2018 → 2025
Total assets
€1.34M▼ 0.4%
2024 · €1.34M
2018: €1.73M
2019: €1.53M
2020: €1.75M
2021: €1.49M
2022: €1.42M
2023: €1.41M
2024: €1.34M
2018 → 2025
Net result
€80k▼ 15.6%
2024 · €95k
2018: €26k
2019: €61k
2020: €53k
2021: €72k
2022: €51k
2023: €79k
2024: €95k
2018 → 2025
Working capital
€-123k▲ 22.6%
2024 · €-159k
2018: €-106k
2019: €-113k
2020: €-330k
2021: €-295k
2022: €-272k
2023: €-223k
2024: €-159k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€666k-€717k▲ 7.6%€795k▲ 11.0%€890k▲ 11.9%€970k▲ 9.0%
Operating result€125k-€89k▼ 29.0%€109k▲ 23.3%€133k▲ 21.8%€105k▼ 21.2%
Net result€72k-€51k▼ 29.7%€79k▲ 55.8%€95k▲ 20.5%€80k▼ 15.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.34M
Fixed assets
€1.12M▼ 1.6%
Current assets
€214k▲ 6.8%
Equity and liabilities €1.34M
Equity
€970k▲ 9.0%
Debt
€368k▼ 18.7%
The debt ratio falls from 33.7% to 27.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€137k▼
2024 · €165k
Cash flow
€112k▼
2024 · €127k
Solvency
72.5%▲
2024 · 66.3%
Current ratio
0.63▲
2024 · 0.56
Quick ratio
0.63▲
2024 · 0.56
Debt / equity
0.38▼
2024 · 0.51
ROE
8.3%▼
2024 · 10.7%
ROA
6.0%▼
2024 · 7.1%
Interest coverage
73.31▲
2024 · 63.75
Debt
€368k▼
2024 · €453k
Debt ≤ 1 year
€337k▼
2024 · €359k
Debt > 1 year
€32k▼
2024 · €94k
Income taxes
€31k▼
2024 · €38k
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€1.34M€1.34M▼
Fixed assets21/28€1.14M€1.12M▼
Tangible fixed assets22/27€1.14M€1.12M▼
Land and buildings22€1.14M€1.12M▼
Current assets29/58€200k€214k▲
Amounts receivable within one year40/41€0€4k▲
Trade receivables40€0€4k▲
Other amounts receivable41€0-
Current investments50/53€194k€201k▲
Cash at bank and in hand54/58€6k€8k▲
Deferred charges and accrued income490/1€401€465▲
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.34M▼
Equity10/15€890k€970k▲
Contributions10/11€29k€29k=
Reserves13€861k€940k▲
Distributable reserves133€861k€940k▲
Profit (loss) carried forward14-€1k
Amounts payable17/49€453k€368k▼
Amounts payable after more than one year17€94k€32k▼
Financial debts170/4€94k€32k▼
Amounts payable within one year42/48€359k€337k▼
Current portion of amounts payable after more than one year42€62k€63k▲
Trade debts44€225€19k▲
Suppliers440/4€225€19k▲
Taxes, remuneration and social security45€15k€20k▲
Taxes450/3€15k€20k▲
Other amounts payable47/48€282k€235k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€32k▲
Other operating charges640/8€9k€9k▲
Gross operating margin9900€174k€146k▼
Operating profit (loss)9901€133k€105k▼
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€132k€111k▼
Income taxes67/77€38k€31k▼
Profit (loss) for the period9904€95k€80k▼
Profit (loss) for the period to be appropriated9905€95k€80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€95k€80k▼
Transfer to equity691/2€95k€79k▼
To other reserves6921€95k€79k▼
The notes to these accounts (16 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €95k ▲20.5%
Operating result €133k, net result €95k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
02-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 33 days late
2019
31-12
Financial
Equity above €500kEq €542k ▲12.7%
2 profitable years in a row build equity to €542k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 20 days late
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Bilzen-Hoeselt · 1 establishment unit since 2000
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.
Maastrichterstraat 3653740 Bilzen-HoeseltGround area
1,900 m²
Building footprint
275 m²
Volume, LiDAR
1,404 m³
Parcel 73055A0654/02E000, Flanders · tallest building 12.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Maastrichterstraat 365, 3740 Bilzen-Hoeselt
since 20002.116.047.971
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73055A0654/02E000 | Flanders | 1,900 m² | 1 · 275 m² | 12.5 m · 1 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
VAN RIE IGNACE
BE 0476.142.514
Maldegem · Eq €971k
Van den Berghe Invest
BE 0427.355.670
Aalst · Eq €972k
GESTE VL
BE 0674.953.912
Herselt · Eq €973k
DEESSE
BE 0449.338.543
Knokke-Heist · Eq €973k
IMMO JODI
BE 0661.570.583
Lennik · Eq €967k
Of 9,093 companies in sector 68201 we hold annual accounts for 6,724. 4,819 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2000
Fiscal year end31-12
Trade name NL
Deze publicatie vervangt de publ. van 14102000 nr 448
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:info@lowist.be
Phone:089/41.14.08
Fax:089/41.12.61