LOWTA
ActiveThe computed 12-month bankruptcy probability of LOWTA is 2.0% (moderate). The 2025 annual accounts show negative equity (€-171k) and a net result of €-22k. Equity is shrinking by ~61.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 7017 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
33
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▲+16
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.39 against 0.39 in 2024; short-term debt: 146.8% and cash: 35.4% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-186.1%
Return on assets
-24.1%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €-171k
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 04-06-2026, 57 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
57 d early
2024
29 d late
2023
59 d early
2022
41 d early
2021
37 d early
2020
53 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-171k▼ 14.9%
2024 · €-149k
2020: €-7k
2021: €-11k
2022: €-35k
2023: €-80k
2024: €-149k
2020 → 2025
Total assets
€92k▲ 13.2%
2024 · €81k
2020: €23k
2021: €113k
2022: €115k
2023: €121k
2024: €81k
2020 → 2025
Net result
€-22k▲ 67.6%
2024 · €-68k
2020: €-19k
2021: €-4k
2022: €-24k
2023: €-46k
2024: €-68k
2020 → 2025
Working capital
€-82k▼ 31.2%
2024 · €-62k
2020: €-16k
2021: €-16k
2022: €-53k
2023: €-20k
2024: €-62k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-11k-€-35k▼ 221%€-80k▼ 132%€-149k▼ 85.0%€-171k▼ 14.9%
Operating result€-3k-€-19k▼ 537%€-38k▼ 103%€-52k▼ 37.9%€-6k▲ 87.6%
Net result€-4k-€-24k▼ 520%€-46k▼ 90.8%€-68k▼ 49.9%€-22k▲ 67.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €52k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€39k▼ 6.4%
Current assets
€53k▲ 33.9%
Key figures and ratios
EBITDA
€31k▲
2024 · €-11k
Cash flow
€15k▲
2024 · €-28k
Solvency
-186.1%▼
2024 · -183.4%
Current ratio
0.39▲
2024 · 0.39
Quick ratio
0.39▲
2024 · 0.39
Debt / equity
-1.54▲
2024 · -1.55
ROA
-24.1%▲
2024 · -84.3%
Interest coverage
1.97▲
2024 · -0.68
Debt
€263k▲
2024 · €230k
Debt ≤ 1 year
€135k▲
2024 · €102k
Debt > 1 year
€128k=
2024 · €128k
Income taxes
€150▼
2024 · €153
Staff costs
€27▼
2024 · €29
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€81k€92k▲
Fixed assets21/28€42k€39k▼
Intangible fixed assets21€42k€39k▼
Tangible fixed assets22/27€60€0▼
Plant, machinery and equipment23€60€0▼
Current assets29/58€40k€53k▲
Amounts receivable within one year40/41€13k€20k▲
Trade receivables40€12k€18k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€26k€33k▲
Deferred charges and accrued income490/1€234€493▲
Equity and liabilities
Total equity and liabilities10/49€81k€92k▲
Equity10/15€-149k€-171k▼
Contributions10/11€12k€12k=
Profit (loss) carried forward14€-161k€-183k▼
Amounts payable17/49€230k€263k▲
Amounts payable after more than one year17€128k€128k=
Financial debts170/4€128k€128k=
Amounts payable within one year42/48€102k€135k▲
Financial debts43€737€49▼
Credit institutions430/8€737€49▼
Trade debts44€25k€42k▲
Suppliers440/4€25k€42k▲
Advances received on contracts in progress46€34k€54k▲
Taxes, remuneration and social security45€2k€909▼
Taxes450/3€2k€909▼
Other amounts payable47/48€40k€38k▼
Income statement
Code20242025
Remuneration, social security and pensions62€29€27▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€38k▼
Other operating charges640/8€918€956▲
Gross operating margin9900€-10k€32k▲
Operating profit (loss)9901€-52k€-6k▲
Financial income75/76B€423€253▼
Recurring financial income75€423€253▼
Financial charges65/66B€17k€16k▼
Recurring financial charges65€17k€16k▼
Profit (loss) for the period before taxes9903€-68k€-22k▲
Income taxes67/77€153€150▼
Profit (loss) for the period9904€-68k€-22k▲
Profit (loss) for the period to be appropriated9905€-68k€-22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-161k€-183k▼
Profit (loss) brought forward from the previous period14P€-92k€-161k▼
The notes to these accounts (13 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-68k
Net result drops to €-68k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 53 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
23-12-2025
Aayo: Resigned as Director
13-03-2023
Sientje Palmans: Resigned as Director
Location & real-estate footprint
Registered office, Mechelen · 1 establishment unit since 2019
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.
Stuivenbergbaan 832800 MechelenGround area
175 m²
Building footprint
67 m²
Volume, LiDAR
591 m³
Parcel 12404F0244/00Y002, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Lowta
since 20192.289.551.376
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12404F0244/00Y002 | Flanders | 175 m² | 1 · 67 m² | 10.5 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 8,250 EUR awarded · 8,250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 3,750 EUR | 3,750 EUR |
| 2022 | 1 | 4,500 EUR | 4,500 EUR |
Schemes
Subsidies voor internationaal ondernemen
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 13,422 companies in sector 73300 we hold annual accounts for 6,901.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2019
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
70200Business and other management consultancy
70220Business consulting
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.lowta.be
E-mail:sientje.palmans@gmail.com