LOWMAX IT
ActiveLOWMAX IT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €33k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 1893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency81▲+10
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.56 against 2.24 in 2024), but 61.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
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
38.1%
Return on assets
13.4%
Age of the figures
8 mo
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 08-04-2026, 114 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
114 d early
2024
2 d early
2023
27 d late
2022
30 d late
2021
2 d early
2020
45 d early
2019
26 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, micro schema
Equity
€94k▲ 31.5%
2024 · €72k
2018: €21k
2019: €25k
2020: €36k
2021: €47k
2022: €52k
2023: €51k
2024: €72k
2018 → 2025
Total assets
€248k▲ 7.2%
2024 · €231k
2018: €257k
2019: €264k
2020: €270k
2021: €272k
2022: €251k
2023: €230k
2024: €231k
2018 → 2025
Net result
€33k▲ 56.3%
2024 · €21k
2018: €-5k
2019: €5k
2020: €11k
2021: €11k
2022: €4k
2023: €25k
2024: €21k
2018 → 2025
Working capital
€60k▲ 76.4%
2024 · €34k
2018: €29k
2019: €24k
2020: €43k
2021: €46k
2022: €35k
2023: €24k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€52k▲ 9.4%€51k▼ 2.4%€72k▲ 41.9%€94k▲ 31.5%
Operating result€25k-€16k▼ 36.8%€44k▲ 179%€38k▼ 12.8%€53k▲ 38.1%
Net result€11k-€4k▼ 58.9%€25k▲ 456%€21k▼ 14.8%€33k▲ 56.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€150k▼ 11.9%
Current assets
€98k▲ 60.2%
Equity and liabilities €248k
Equity
€94k▲ 31.5%
Debt
€154k▼ 3.8%
The debt ratio falls from 69.0% to 61.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€75k▲
2024 · €60k
Cash flow
€55k▲
2024 · €43k
Solvency
38.1%▲
2024 · 31.0%
Current ratio
2.56▲
2024 · 2.24
Quick ratio
2.56▲
2024 · 2.24
Debt / equity
1.63▼
2024 · 2.22
ROE
35.1%▲
2024 · 29.5%
ROA
13.4%▲
2024 · 9.2%
Interest coverage
12.64▲
2024 · 8.62
Debt
€154k▼
2024 · €160k
Debt ≤ 1 year
€38k▲
2024 · €27k
Debt > 1 year
€115k▼
2024 · €132k
Income taxes
€14k▲
2024 · €11k
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€231k€248k▲
Fixed assets21/28€170k€150k▼
Tangible fixed assets22/27€170k€150k▼
Land and buildings22€149k€137k▼
Plant, machinery and equipment23€621€230▼
Furniture and vehicles24€20k€12k▼
Financial fixed assets28€100€100=
Current assets29/58€61k€98k▲
Amounts receivable after more than one year29€22k€28k▲
Other amounts receivable291€22k€28k▲
Amounts receivable within one year40/41€16k€33k▲
Trade receivables40€16k€33k▲
Other amounts receivable41-€66
Cash at bank and in hand54/58€22k€34k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€231k€248k▲
Equity10/15€72k€94k▲
Contributions10/11€1€1=
Reserves13€72k€94k▲
Distributable reserves133€72k€94k▲
Profit (loss) carried forward14€4€5▲
Amounts payable17/49€160k€154k▼
Amounts payable after more than one year17€132k€115k▼
Financial debts170/4€132k€115k▼
Amounts payable within one year42/48€27k€38k▲
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€3k€51▼
Suppliers440/4€3k€51▼
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€11k▲
Other amounts payable47/48-€11k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€63k€78k▲
Operating profit (loss)9901€38k€53k▲
Financial income75/76B€464€645▲
Recurring financial income75€464€645▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€32k€48k▲
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€21k€33k▲
Profit (loss) for the period to be appropriated9905€21k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€33k▲
Profit (loss) brought forward from the previous period14P€4€4▲
Transfer from equity791/2-€11k
Transfer to equity691/2€21k€33k▲
To other reserves6921€21k€33k▲
Profit to be distributed694/7-€11k
Return on contributions (dividend)694-€11k
The notes to these accounts (7 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €33k ▲56.3%
Operating result €53k, net result €33k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Mouscron · 1 establishment unit since 2010
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.
Parklaan 537700 MouscronGround area
340 m²
Building footprint
80 m²
Volume, LiDAR
862 m³
Parcel 54432C0455/00K012, Wallonia · tallest building 11.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LOWMAX IT
since 20102.185.890.248
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54432C0455/00K012 | Wallonia | 340 m² | 1 · 80 m² | 11.7 m · 4 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.
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Of 2,786 companies in sector 63910 we hold annual accounts for 695. 514 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2010
Fiscal year end31-12
Activities, NACEBEL
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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
2 entriesE-mail:fred.maes@gmail.com
Phone:0474/31 67 44