Equity
€25,229 from €88,326 in 2021
Equity fell by 71% in 4 years.
SOW & CO
Lifetime
6 annual accounts with figures on one time axis, 14 filings since 2012peak €53,867 (2021)
€32,652▲ 162×
lowest -€285 (2024)
€25,229▲ €25,514
peak €88,326 (2021)
€25,229▼ 48.6%
€116,353▲ 81×
Board1 name since 2024
1 directorBoubacar SOW
Documentsfilings and deeds
28-09-202659 days late
2025micro format
Gross margin from €201 to €32,652Back to profit: €25,229Equity from €49,056 to €25,229Debts from €1,439 to €116,353Cash from €1,154 to €15,679
Key points
from the 2025 annual accountsDebts
€116,353 82% of the balance sheet
Payment terms
467 days to suppliers
SOW & CO pays its suppliers 462 days later than in 2024.
Liquidity
1.22 was 35.09 in 2024
Short-term debts rose from €1,439 to €116,353.
Filings
14 annual accounts since 2012
Five of the last ten came late. The 2024 accounts came latest: 125 days after the end of the period.
Position in the sector
17.8%
Lower solvency than 80% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
Checked score
81
Excellent
Financially stronger than 21% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%lowest value
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.3%▲ +0.1 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.5%▲ +0.2 percentage points vs 11-2025
01-2026: 1.0%▲ +0.5 percentage points vs 12-2025
02-2026: 1.0%● unchanged vs 01-2026
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 1.0%● unchanged vs 04-2026
06-2026: 0.9%▼ -0.1 percentage points vs 05-2026
07-2026: 0.9%● unchanged vs 06-2026
08-2026: 1.1%▲ +0.2 percentage points vs 07-2026
09-2026: 1.2%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.3%▼ -0.9 percentage points vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 59 days late; 3 of the last 3 accounts late
Equity €25,229 (17.8% of total assets)
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Size: total assets €141,582
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 21% of them on solvency, 7% on liquidity, 43% on profitability and 15% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,053 companies had the same profile as SOW & CO has now. Each dot stands for 13 companies, two years later.
95.9%
were still trading
2.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SOW & CO itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,053 companies, not a prediction for SOW & CO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.22 (35.09 in 2024), below the usual 1.5. Short-term debt is 82.2% and cash 11.1% of total assets. 82.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 21208 sector peers (2025).
NBB · sector comparisonPosition among 21208 sector peers
Solvency
better than 19%
← weakest
strongest →
raises risk · 2025 accounts filed 59 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
59 days late
2024
125 days late
2023
66 days late
2022
79 days late
2021
36 days late
2020
17 days early
2019
17 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 47 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 October (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0833870990
Appointment: Boubacar SOW (director)
General meeting of 24-04-2024 · Gazette deed
Registered office moved within Brussels
New registered office: Avenue du Martin-Pêcheur 52 Boite 146, 1170 Bruxelles · Previous registered office: Avenue Jean Sobieski 62 Boite 14, 1020 Bruxelles · General meeting of 01-03-2019 · Gazette deed
First establishment
SOW & CO, Jan Sobieskilaan 62, Brussels
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SOW & CO Watermael-Boitsfort | €141,582 | €32,652 | 17.8% | - |
| MAK ENTERPRISES Woluwe-Saint-Lambert | €142,660 | €33,716 | 88.7% | - |
| BUREAU MERCIER Evere | €140,244 | €30,093 | 30.5% | - |
| SEVEN MILES Schaerbeek | €138,366 | €35,923 | 85.5% | - |
| JVH CONSULTING Anderlecht | €161,190 | €35,896 | 80.3% | - |
| Outstream Brussels | €136,004 | €28,604 | 95.9% | - |
| LinItS Halen | €139,283 | €33,256 | 82.1% | - |
These companies have the same main activity as SOW & CO: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €136,000 and €161,000, founded between 2010 and 2012.
Official details
Source: KBO- Status
- Active since 18-02-2011Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 2 others
- Establishment unit
- 2.196.163.6371020 Brussels, since 01-03-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 24-12-2025
Insights on SOW & CO
SOW & CO files the micro format. That format states no turnover. The gross margin fell from €36,762 in 2019 to €32,652 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SOW & CO
- What is the company number of SOW & CO?
- The company number of SOW & CO is 0833.870.990. The VAT number is the same number with BE in front: BE 0833.870.990.
- Where is SOW & CO based?
- The registered office is at Ijsvogellaan 52, 1170 Watermael-Boitsfort.Company details
- What does SOW & CO do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of SOW & CO?
- SOW & CO is a private limited company (BV).
- When was SOW & CO founded?
- SOW & CO was founded on 18-02-2011.
- Is SOW & CO still active?
- Yes, SOW & CO is an active enterprise in the KBO register.
- What is the turnover of SOW & CO?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €32,652 and 63 comparable companies (NACE 62200). It probably lies between €89,000 and €150,000. In financial year 2024 turnover was €98,227.Financials
- Is SOW & CO profitable?
- In financial year 2025, SOW & CO made a profit of €25,229.
- Where can I find the annual accounts of SOW & CO?
- SOW & CO filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SOW & CO due?
- SOW & CO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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