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SLOWBY

Active
Private limited companyfounded 20224 yrs activeVan Bortonnestraat 100, 1090 Jette, BelgiumKBO/BCE: BE 0784.423.261
Summary

SLOWBY has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80,916 and a net result of €7,151. Equity is growing by ~43.9% per year across the filed fiscal years. Its solvency ranks better than 74% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability78▼-22
Solvency100=
Growth85=
Track record94
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 4.76 against 4.1 in 2024; short-term debt: 20.2% and cash: 85.8% of total assets), and 20.2% of the assets are financed with debt.
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Signals

Five 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 · 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
highest failure risk from 2 to 8 years 4 years 0 10 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
79.8%
Return on assets
7.1%
Age of the figures
9 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 31-07-2026, 0 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
on the day
2024
27 d late
2023
30 d late
2022
30 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 22 days after 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 (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

SLOWBY was incorporated on 4 April 2022 as a Private limited company.1 Revenue grew from EUR 36,047 in 2022 to EUR 163,018 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2024

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Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Turnover
€163,018▲ 45.5%
2023 · €112,023
EBIT margin
31.7%▼ 7.3pp
2023 · 39.0%
Net result
€7,151▼ 80.9%
2024 · €37,519
Working capital
€76,832▼ 0.1%
2024 · €76,902
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
Line2022202320242025
Turnover€36,047-€112,023▲ 211%€163,018▲ 45.5%
Operating result€2,484-€43,705▲ 1,659%€51,621▲ 18.1%€10,291▼ 80.1%
Net result€1,831within the sector's middle half-€31,566within the sector's middle half▲ 1,624%€37,519within the sector's middle half▲ 18.9%€7,151within the sector's middle half▼ 80.9%
EBIT margin6.9%-39.0%▲ 32.1pp31.7%▼ 7.3pp
Equity€11,831below the sector's middle half-€43,397below the sector's middle half▲ 267%€80,916within the sector's middle half▲ 86.5%€80,916within the sector's middle half=
Total assets€84,215below the sector's middle half-€58,839below the sector's middle half▼ 30.1%€105,714below the sector's middle half▲ 79.7%€101,348within the sector's middle half▼ 4.1%
Debt€72,384-€15,442▼ 78.7%€24,798▲ 60.6%€20,432▼ 17.6%
Working capital€81,831-€42,658▼ 47.9%€76,902▲ 80.3%€76,832▼ 0.1%
Solvency14.0%below the sector's middle half-73.8%above the sector's middle half▲ 59.7pp76.5%above the sector's middle half▲ 2.8pp79.8%within the sector's middle half▲ 3.3pp
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 abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000€60,000Operating result 2022: €2,484€2,484Net result 2022: €1,831€1,831Operating result 2023: €43,705€43,705Net result 2023: €31,566€31,566Operating result 2024: €51,621€51,621Net result 2024: €37,519€37,519Operating result 2025: €10,291€10,291Net result 2025: €7,151€7,1512022202320242025€0€20,000€40,000€60,000Operating result 2023: €43,705€43,700Net result 2023: €31,566€31,600Operating result 2024: €51,621€51,600Net result 2024: €37,519€37,500Operating result 2025: €10,291€10,300Net result 2025: €7,151€7,150202320242025
The operating result falls in 2025; 2025 is 80% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101,348
Fixed assets €4,084 ▲ 1.7%
Current assets €97,264 ▼ 4.4%
Equity and liabilities €101,348
Equity €80,916 =
Debt €20,432 ▼ 17.6%
Debt's share of the balance-sheet total falls from 23.5% to 20.2%. Debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€11,503▼
2024 · €52,044
Cash flow
€8,363▼
2024 · €37,941
Current ratio
4.76▲
2024 · 4.10
Debt to equity
0.25▼
2024 · 0.31
ROE
8.8%▼
2024 · 46.4%
ROA
7.1%▼
2024 · 35.5%
Interest coverage
52.13▼
2024 · 315.17
Debt ≤ 1 year
€20,432▼
2024 · €24,798
Income taxes
€2,978▼
2024 · €14,027
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.6%
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 74% 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 39,275 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet Code20242025
Assets
Total assets20/58€105,714€101,348▼
Fixed assets21/28€4,014€4,084▲
Tangible fixed assets22/27€4,014€4,084▲
Plant, machinery and equipment23€895€1,615▲
Furniture and vehicles24€3,120€2,469▼
Current assets29/58€101,700€97,264▼
Amounts receivable within one year40/41€6,756€10,291▲
Trade receivables40€3,910€0▼
Other amounts receivable41€2,846€10,291▲
Cash at bank and in hand54/58€94,944€86,973▼
Equity and liabilities
Total equity and liabilities10/49€105,714€101,348▼
Equity10/15€80,916€80,916=
Contributions10/11€10,000€10,000=
Reserves13€70,916€70,916=
Distributable reserves133€70,916€70,916=
Profit (loss) carried forward14-€0
Amounts payable17/49€24,798€20,432▼
Amounts payable within one year42/48€24,798€20,432▼
Trade debts44€4,520€657▼
Suppliers440/4€4,520€657▼
Taxes, remuneration and social security45€20,088€10,274▼
Taxes450/3€20,088€10,274▼
Other amounts payable47/48€190€9,501▲
Income statement Code20242025
Turnover70€163,018-
Goods, raw materials, services and sundry goods60/61€141,392-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€422€1,212▲
Other operating charges640/8€321€728▲
Gross operating margin9900€52,365€12,231▼
Operating profit (loss)9901€51,621€10,291▼
Financial income75/76B€90€59▼
Recurring financial income75€90€59▼
Financial charges65/66B€165€221▲
Recurring financial charges65€165€221▲
Profit (loss) for the period before taxes9903€51,547€10,129▼
Income taxes67/77€14,027€2,978▼
Profit (loss) for the period9904€37,519€7,151▼
Profit (loss) for the period to be appropriated9905€37,519€7,151▼
Appropriation of the result
Profit (loss) to be appropriated9906€37,519€7,151▼
Transfer to equity691/2€37,519€0▼
To other reserves6921€37,519€0▼
Profit to be distributed694/7-€7,151
Return on contributions (dividend)694-€7,151

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Turnover70€36,047€112,023€163,018--
Goods, raw materials, services and sundry goods60/61€33,413€138,752€141,392--
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€4€422€1,212▲ 187%
Other operating charges640/8€150€85€321€728▲ 126%
Gross operating margin9900€2,634€43,794€52,365€12,231▼ 76.6%
Operating profit (loss)9901€2,484€43,705€51,621€10,291▼ 80.1%
Financial income75/76B€1-€90€59▼ 35.1%
Recurring financial income75€1-€90€59▼ 35.1%
Financial charges65/66B€7€79€165€221▲ 33.6%
Recurring financial charges65€7€79€165€221▲ 33.6%
Profit (loss) for the period before taxes9903€2,478€43,627€51,547€10,129▼ 80.3%
Income taxes67/77€647€12,061€14,027€2,978▼ 78.8%
Profit (loss) for the period9904€1,831€31,566€37,519€7,151▼ 80.9%
Profit (loss) for the period to be appropriated9905€1,831€31,566€37,519€7,151▼ 80.9%
Line2022202320242025Change
Assets
Total assets20/58€84,215€58,839€105,714€101,348▼ 4.1%
Fixed assets21/28-€739€4,014€4,084▲ 1.7%
Tangible fixed assets22/27-€739€4,014€4,084▲ 1.7%
Plant, machinery and equipment23-€739€895€1,615▲ 80.5%
Furniture and vehicles24--€3,120€2,469▼ 20.8%
Current assets29/58€84,215€58,100€101,700€97,264▼ 4.4%
Amounts receivable within one year40/41€6,226€4,138€6,756€10,291▲ 52.3%
Trade receivables40€6,226€1,245€3,910€0▼ 100%
Other amounts receivable41-€2,893€2,846€10,291▲ 262%
Current investments50/53€77,990----
Cash at bank and in hand54/58-€53,961€94,944€86,973▼ 8.4%
Equity and liabilities
Total equity and liabilities10/49€84,215€58,839€105,714€101,348▼ 4.1%
Equity10/15€11,831€43,397€80,916€80,916=
Contributions10/11€10,000€10,000€10,000€10,000=
Reserves13€1,831€33,397€70,916€70,916=
Distributable reserves133€1,831€33,397€70,916€70,916=
Profit (loss) carried forward14---€0-
Amounts payable17/49€72,384€15,442€24,798€20,432▼ 17.6%
Amounts payable within one year42/48€2,384€15,442€24,798€20,432▼ 17.6%
Trade debts44€644€2,285€4,520€657▼ 85.5%
Suppliers440/4€644€2,285€4,520€657▼ 85.5%
Taxes, remuneration and social security45€1,292€12,708€20,088€10,274▼ 48.9%
Taxes450/3-€12,708€20,088€10,274▼ 48.9%
Remuneration and social security454/9€1,292----
Other amounts payable47/48€449€449€190€9,501▲ 4,904%
Accrued charges and deferred income492/3€70,000----
Line2022202320242025Change
Profit (loss) for the period9904€1,831€31,566€37,519€7,151▼ 80.9%
+ Depreciation and write-downs630-€4€422€1,212▲ 187%
Operating cash flow (approximation)€1,831€31,570€37,941€8,363▼ 78.0%
Investment in fixed assets (approximation)---€3,697-€1,281▲ 65.3%
Change in cash--€40,982-€7,971▼ 119%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-12
Financial Highest result since 2022net €37,519 ▲18.9%
Operating result €51,621, net result €37,519, both a record.
30-08
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
30-08
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
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, Jette · 1 establishment unit since 2022
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.

Van Bortonnestraat 1001090 Jette
1 establishment unit
Slowby
Van Bortonnestraat 100, 1090 JetteComputer programming, consultancy and related activities
since 20222.330.113.313

Similar companies · same sector, comparable size

Of 16,911 companies in sector 62100 we hold annual accounts for 8,778. 6,956 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
Founded04-04-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
79110Travel agency activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0784423261
Also 9925:BE0784423261
Registered 19-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.