SOW & CO
ActiveSOW & CO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €49k and a net result of €-285. Equity is shrinking by ~21.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36▼-54
Solvency100=
Growth29▼-6
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity ample (current ratio 35.09 against 11.88 in 2023; short-term debt: 2.8% and cash: 2.3% of total assets), and 2.8% of the assets are financed with debt.
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
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
Sector 62
lower
← 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
97.2%
Return on assets
-0.6%
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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-12-2025, 125 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
125 d late
2023
66 d late
2022
79 d late
2021
36 d late
2020
17 d early
2019
17 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€98k▼ 13.1%
2023 · €113k
2021: €109k
2022: €111k
2023: €113k
2021 → 2024
EBIT margin
-0.3%▼ 18.8pp
2023 · 18.5%
2021: 39.8%
2022: 16.9%
2023: 18.5%
2021 → 2024
Net result
€-285
2023 · €15k
2021: €25k
2022: €11k
2023: €15k
2021 → 2024
Working capital
€49k▼ 24.8%
2023 · €65k
2021: €88k
2022: €50k
2023: €65k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Turnover€109k-€111k▲ 1.4%€113k▲ 2.0%€98k▼ 13.1%
Equity€88k-€50k▼ 43.0%€65k▲ 29.6%€49k▼ 24.8%
Operating result€43k-€19k▼ 57.0%€21k▲ 11.7%€-275
Net result€25k-€11k▼ 55.1%€15k▲ 34.1%€-285
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 €275 after €21k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €50k
Equity
€49k▼ 24.8%
Debt
€1k▼ 76.0%
The debt ratio falls from 8.4% to 2.8%. Equity and debt are lower.
Key figures and ratios
Solvency
97.2%▲
2023 · 91.6%
Current ratio
35.09▲
2023 · 11.88
Quick ratio
35.09▲
2023 · 11.88
Debt / equity
0.03▼
2023 · 0.09
ROE
-0.6%▼
2023 · 22.8%
ROA
-0.6%▼
2023 · 20.9%
Debt
€1k▼
2023 · €6k
Debt ≤ 1 year
€1k▼
2023 · €6k
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€71k€50k▼
Current assets29/58€71k€50k▼
Amounts receivable within one year40/41€49k€49k▲
Trade receivables40€49k€49k▲
Cash at bank and in hand54/58€22k€1k▼
Equity and liabilities
Total equity and liabilities10/49€71k€50k▼
Equity10/15€65k€49k▼
Contributions10/11€6k-
Capital10€6k-
Issued capital100€19k-
Uncalled capital101€12k-
Reserves13€10k-
Non-distributable reserves130/1€745-
Legal reserve130€745-
Distributable reserves133€9k-
Profit (loss) carried forward14€49k€49k▼
Amounts payable17/49€6k€1k▼
Amounts payable within one year42/48€6k€1k▼
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€6k-
Taxes450/3€6k-
Income statement
Code20232024
Turnover70€113k€98k▼
Goods, raw materials, services and sundry goods60/61€92k€98k▲
Other operating charges640/8€545€476▼
Gross operating margin9900€21k€201▼
Operating profit (loss)9901€21k€-275▼
Financial charges65/66B€3€10▲
Recurring financial charges65€3€10▲
Profit (loss) for the period before taxes9903€21k€-285▼
Income taxes67/77€6k-
Profit (loss) for the period9904€15k€-285▼
Profit (loss) for the period to be appropriated9905€15k€-285▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€49k▼
Profit (loss) brought forward from the previous period14P€35k€49k▲
Transfer to equity691/2€745-
To the legal reserve6920€745-
Timeline · acts, filings and financial milestones
2025
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 125 days late
2024
31-12
Financial
Weakest financial yearnet €-285 ▼102%
Net result drops to €-285, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 35.09
Current ratio from 11.88 to 35.09; short-term debt falls from €6k to €1k.
05-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 66 days late
2023
31-12
Financial
Liquidity times 11current ratio 11.88
Current ratio from 1.09 to 11.88; short-term debt falls from €540k to €6k.
18-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 79 days late
2022
05-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 36 days late
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Watermaal-Bosvoorde · 1 establishment unit since 2011
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.
Ijsvogellaan 521170 Watermaal-BosvoordeGround area
9,663 m²
Building footprint
973 m²
Volume, LiDAR
24,573 m³
2 parcels, Brussels · tallest building 29.1 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
SOW & CO
since 20112.196.163.637
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21017D0012/00H000 | Brussels | 9,078 m² | 1 · 786 m² | 29.1 m · 9 fl. |
| 21816C0277/00X007 | Brussels | 585 m² | 1 · 187 m² | 23.5 m · 8 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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appsilon
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Neyens Consulting
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MORBOS
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,332 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2011
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46500Wholesale of information and communication equipment
46510Wholesale trade
47400Retail sale of information and communication equipment
47410Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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 entriesE-mail:bsow@sowandco.com
Phone:028309104