NOWI

Active

Private limited companyfounded 20233 yrs activeMechelbaan 51, 2580 Putte, BelgiumKBO/BCE: BE 0802.985.695

NOWI has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €39k and a net result of €16k. Its solvency ranks better than 23% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).

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Checked score

Score 2024

43 / 100

Weak= vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency26▲+16

Growth52

Stability94

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €2k at 30 days only on tighter terms

Liquidity short (current ratio 0.55 against 0.38 in 2023), and 75.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

24.3%

Return on assets

10.3%

Age of the figures

20 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 37972 sector peers (2024).

NBB · sector comparison

Position among 37972 sector peers

Solvency

better than 23%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

14 d early

2023

13 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€39k▲ 73.1%

2023 · €22k

2023: €22k

2023 → 2024

Total assets

€159k▲ 10.2%

2023 · €144k

2023: €144k

2023 → 2024

Net result

€16k▼ 19.7%

2023 · €20k

2023: €20k

2023 → 2024

Working capital

€-32k▲ 19.0%

2023 · €-40k

2023: €-40k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€22k-€39k▲ 73.1%

Operating result€30k-€30k▼ 0.2%

Net result€20k-€16k▼ 19.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 0% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €159k

75.2%

24.8%

Fixed assets €119k▼ 0.4%

Current assets €39k▲ 62.3%

Equity and liabilities €159k

24.3%

75.7%

Equity €39k▲ 73.1%

Debt €120k▼ 1.3%

The debt ratio falls from 84.5% to 75.7%: equity grows while debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€30k▲

2023 · €30k

Cash flow

€17k▼

2023 · €20k

Solvency

24.3%▲

2023 · 15.5%

Current ratio

0.55▲

2023 · 0.38

Quick ratio

0.55▲

2023 · 0.38

Debt / equity

3.11▼

2023 · 5.45

ROE

42.2%▼

2023 · 91.0%

ROA

10.3%▼

2023 · 14.1%

Interest coverage

3.59▼

2023 · 12.57

Debt

€120k▼

2023 · €122k

Debt ≤ 1 year

€72k▲

2023 · €64k

Debt > 1 year

€48k▼

2023 · €58k

Income taxes

€5k▼

2023 · €7k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€144k€159k▲

Fixed assets21/28€120k€119k▼

Tangible fixed assets22/27€1k€850▼

Plant, machinery and equipment23€1k€850▼

Financial fixed assets28€119k€119k=

Current assets29/58€24k€39k▲

Amounts receivable within one year40/41€11k€29k▲

Trade receivables40€11k€29k▲

Cash at bank and in hand54/58€13k€10k▼

Deferred charges and accrued income490/1€790€0▼

Equity and liabilities

Total equity and liabilities10/49€144k€159k▲

Equity10/15€22k€39k▲

Contributions10/11€2k€2k=

Reserves13€20k€37k▲

Distributable reserves133€20k€37k▲

Amounts payable17/49€122k€120k▼

Amounts payable after more than one year17€58k€48k▼

Financial debts170/4€58k€48k▼

Amounts payable within one year42/48€64k€72k▲

Current portion of amounts payable after more than one year42€9k€9k▲

Trade debts44€187€681▲

Suppliers440/4€187€681▲

Taxes, remuneration and social security45€10k€18k▲

Taxes450/3€10k€15k▲

Remuneration and social security454/9-€2k

Other amounts payable47/48€45k€44k▼

Accrued charges and deferred income492/3-€133

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3€427▲

Other operating charges640/8€2k€630▼

Gross operating margin9900€31k€31k▼

Operating profit (loss)9901€30k€30k▼

Financial charges65/66B€2k€8k▲

Recurring financial charges65€2k€8k▲

Profit (loss) for the period before taxes9903€28k€21k▼

Income taxes67/77€7k€5k▼

Profit (loss) for the period9904€20k€16k▼

Profit (loss) for the period to be appropriated9905€20k€16k▼

Appropriation of the result

Profit (loss) to be appropriated9906€20k€16k▼

Transfer to equity691/2€20k€16k▼

To other reserves6921€20k€16k▼

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

17-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

18-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

NBB filing

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, Putte · 1 establishment unit since 2023

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.

Mechelbaan 512580 Putte

Ground area

1,437 m²

Building footprint

111 m²

Parcel 12001B0024/00X003, Flanders. Linked by address, not a title deed.

1 establishment unit

NOWI

Mechelbaan 51, 2580 PutteBusiness consulting

since 20232.346.380.708

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12001B0024/00X003	Flanders	1,437 m²	1 · 111 m²	-

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

Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 36,351 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-06-2023

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.