NOWHOW
ActiveSummary
The annual accounts of NOWHOW for fiscal year 2024 show a net loss of 74% of total assets. The 2024 annual accounts show equity of €91,948 and a net result of -€69,091. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 20783 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 53.59 against 10.76 in 2023; short-term debt: 1.1% and cash: 52.7% of total assets), and 1.6% of the assets are financed with debt.
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Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
98.4%
Return on assets
-74%
Age of the figures
21 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
26 d early
2022
19 d early
2021
32 d early
2020
15 d early
2019
35 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 29 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€91,948▼ 42.9%
2023 · €161,039
Total assets
€93,412▼ 47.0%
2023 · €176,326
Net result
-€69,091
2023 · €48,666
Working capital
€55,624▼ 52.1%
2023 · €116,235
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€31,107€91,066€37,204▼ 59.1%€67,188▲ 80.6%-€68,814
Net result-€30,461below the sector's middle half€70,579above the sector's middle half€26,892within the sector's middle half▼ 61.9%€48,666within the sector's middle half▲ 81.0%-€69,091below the sector's middle half
Equity€66,708within the sector's middle half▼ 31.3%€137,287within the sector's middle half▲ 106%€141,259within the sector's middle half▲ 2.9%€161,039above the sector's middle half▲ 14.0%€91,948within the sector's middle half▼ 42.9%
Total assets€72,056within the sector's middle half▼ 30.4%€165,890within the sector's middle half▲ 130%€153,736within the sector's middle half▼ 7.3%€176,326within the sector's middle half▲ 14.7%€93,412within the sector's middle half▼ 47.0%
Debt€5,348▼ 15.7%€28,603▲ 435%€12,477▼ 56.4%€15,287▲ 22.5%€1,464▼ 90.4%
Working capital€57,127▼ 29.8%€128,366▲ 125%€82,987▼ 35.4%€116,235▲ 40.1%€55,624▼ 52.1%
Solvency92.6%above the sector's middle half▼ 1.3pp82.8%above the sector's middle half▼ 9.8pp91.9%above the sector's middle half▲ 9.1pp91.3%above the sector's middle half▼ 0.6pp98.4%above the sector's middle half▲ 7.1pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €68,814 after €67,188 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €93,412
Fixed assets
€36,730 ▼ 23.8%
Current assets
€56,682 ▼ 55.8%
Equity and liabilities €93,412
Equity
€91,948 ▼ 42.9%
Debt
€1,464 ▼ 90.4%
Debt's share of the balance-sheet total falls from 8.7% to 1.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€55,459▼
2023 · €81,005
Cash flow
-€55,737▼
2023 · €62,483
Current ratio
53.59▲
2023 · 10.76
Debt to equity
0.02▼
2023 · 0.09
ROE
-75.1%▼
2023 · 30.2%
ROA
-74.0%▼
2023 · 27.6%
Interest coverage
-424.10▼
2023 · 304.74
Debt ≤ 1 year
€1,058▼
2023 · €11,910
Debt > 1 year
€406▼
2023 · €3,377
Income taxes
€147▼
2023 · €18,748
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 4,815 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.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €7,400 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,285 | €3,776 | €5,450 | €13,817 | €13,355 | ▼ 3.3% |
| Other operating charges640/8 | - | €1,001 | €1,014 | €762 | €997 | ▲ 30.8% |
| Gross operating margin9900 | -€20,003 | €95,843 | €43,668 | €81,767 | -€54,462 | ▼ 167% |
| Operating profit (loss)9901 | -€31,107 | €91,066 | €37,204 | €67,188 | -€68,814 | ▼ 202% |
| Financial income75/76B | - | €744 | €1,293 | €492 | - | - |
| Recurring financial income75 | €890 | €744 | €1,293 | €492 | - | - |
| Financial charges65/66B | - | €253 | €190 | €266 | €131 | ▼ 50.8% |
| Recurring financial charges65 | €107 | €253 | €190 | €266 | €131 | ▼ 50.8% |
| Profit (loss) for the period before taxes9903 | -€30,324 | €91,557 | €38,307 | €67,414 | -€68,945 | ▼ 202% |
| Income taxes67/77 | €137 | €20,978 | €11,415 | €18,748 | €147 | ▼ 99.2% |
| Profit (loss) for the period9904 | -€30,461 | €70,579 | €26,892 | €48,666 | -€69,091 | ▼ 242% |
| Profit (loss) for the period to be appropriated9905 | -€30,461 | €70,579 | €26,892 | €48,666 | -€69,091 | ▼ 242% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €72,056 | €165,890 | €153,736 | €176,326 | €93,412 | ▼ 47.0% |
| Fixed assets21/28 | €9,581 | €8,921 | €58,271 | €48,181 | €36,730 | ▼ 23.8% |
| Tangible fixed assets22/27 | €9,441 | €8,816 | €58,166 | €48,076 | €36,625 | ▼ 23.8% |
| Plant, machinery and equipment23 | - | €128 | €88 | €47 | €7 | ▼ 86.1% |
| Furniture and vehicles24 | - | €8,688 | €58,078 | €48,029 | €36,619 | ▼ 23.8% |
| Financial fixed assets28 | €140 | €105 | €105 | €105 | €105 | = |
| Current assets29/58 | €62,475 | €156,969 | €95,464 | €128,145 | €56,682 | ▼ 55.8% |
| Amounts receivable within one year40/41 | €14,555 | €52,522 | €51,704 | €13,049 | €6,159 | ▼ 52.8% |
| Trade receivables40 | - | €37,026 | €29,558 | €11,798 | - | - |
| Other amounts receivable41 | - | €15,496 | €22,147 | €1,252 | €6,159 | ▲ 392% |
| Cash at bank and in hand54/58 | €46,873 | €103,575 | €41,050 | €112,928 | €49,229 | ▼ 56.4% |
| Deferred charges and accrued income490/1 | - | €872 | €2,710 | €2,168 | €1,294 | ▼ 40.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €72,056 | €165,890 | €153,736 | €176,326 | €93,412 | ▼ 47.0% |
| Equity10/15 | €66,708 | €137,287 | €141,259 | €161,039 | €91,948 | ▼ 42.9% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €68,823 | €131,087 | €135,059 | €154,839 | €154,839 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | - | - |
| Distributable reserves133 | - | €129,227 | €133,199 | €152,979 | €154,839 | ▲ 1.2% |
| Profit (loss) carried forward14 | -€8,315 | - | - | - | -€69,091 | - |
| Amounts payable17/49 | €5,348 | €28,603 | €12,477 | €15,287 | €1,464 | ▼ 90.4% |
| Amounts payable after more than one year17 | - | - | - | €3,377 | €406 | ▼ 88.0% |
| Other amounts payable178/9 | - | - | - | €3,377 | €406 | ▼ 88.0% |
| Amounts payable within one year42/48 | €5,348 | €28,603 | €12,477 | €11,910 | €1,058 | ▼ 91.1% |
| Trade debts44 | €3,026 | €4,500 | - | €957 | €1,058 | ▲ 10.5% |
| Suppliers440/4 | - | €4,500 | - | €957 | €1,058 | ▲ 10.5% |
| Taxes, remuneration and social security45 | - | €24,102 | €12,477 | €10,953 | - | - |
| Taxes450/3 | - | €24,102 | €12,477 | €10,953 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€30,461 | €70,579 | €26,892 | €48,666 | -€69,091 | ▼ 242% |
| + Depreciation and write-downs630 | €9,285 | €3,776 | €5,450 | €13,817 | €13,355 | ▼ 3.3% |
| Operating cash flow (approximation) | -€21,176 | €74,356 | €32,342 | €62,483 | -€55,737 | ▼ 189% |
| Investment in fixed assets (approximation) | - | -€3,116 | -€54,800 | -€3,727 | -€1,903 | ▲ 48.9% |
| Change in cash | - | €56,702 | -€62,526 | €71,878 | -€63,699 | ▼ 189% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€69,091
Net result drops to -€69,091, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 53.59
Current ratio from 10.76 to 53.59; short-term debt falls from €11,910 to €1,058.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150,000Eq €161,039 ▲14%
3 profitable years in a row build equity to €161,039.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €70,579
Net result €70,579 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €137,287 ▲106%
Equity rises from €66,708 to €137,287.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €15,910
Net result €15,910 after one loss-making year.
Show earlier events
31-12
Financial
Liquidity quadruplescurrent ratio 13.83
Current ratio from 3.90 to 13.83; short-term debt falls from €20,325 to €6,343.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
15-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Nazareth-De Pinte · 1 establishment unit since 2008
Ground area
980 m²
Building footprint
207 m²
Volume, LiDAR
830 m³
Parcel 44012A0064/00B000, Flanders · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
NOWHOW
since 20082.170.166.251
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012A0064/00B000 | Flanders | 980 m² | 1 · 207 m² | 5.3 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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 30,007 companies in sector 62200 we hold annual accounts for 18,400. 15,594 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-04-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
70100Activities of head offices
96210Hairdressing and barber services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0897434892
Also
9925:BE0897434892
Registered
30-08-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.