SOWO
ActiveSummary
SOWO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €36k. Its solvency ranks better than 72% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100▲+10
Growth78
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 4.18 against 2.76 in 2024; short-term debt: 23.8% and cash: 60.4% of total assets), and 23.8% of the assets are financed with debt.
Credit check for your own amount and term
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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.2%
Return on assets
43.9%
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 30-06-2026, 31 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
31 d early
2024
on the day
← before the deadline
after the deadline →
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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▲ 136%
2024 · €27k
2024: €27k
2025: €63k▲ +136% vs 2024
2024 → 2025
Total assets
€83k▲ 100%
2024 · €41k
2024: €41k
2025: €83k▲ +100% vs 2024
2024 → 2025
Net result
€36k▲ 53.5%
2024 · €24k
2024: €24k
2025: €36k▲ +53.5% vs 2024
2024 → 2025
Working capital
€63k▲ 143%
2024 · €26k
2024: €26k
2025: €63k▲ +143% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€27k-€63k▲ 136%
2024: €27k
2025: €63k▲ +136% vs 2024
Operating result€30k-€46k▲ 55.3%
2024: €30k
2025: €46k▲ +55.3% vs 2024
Net result€24k-€36k▲ 53.5%
2024: €24k
2025: €36k▲ +53.5% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 55% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€472 ▼ 51.0%
Current assets
€83k ▲ 104%
Equity and liabilities €83k
Equity
€63k ▲ 136%
Debt
€20k ▲ 34.5%
Debt's share of the balance-sheet total falls from 35.4% to 23.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47k▲
2024 · €30k
Cash flow
€37k▲
2024 · €24k
Current ratio
4.18▲
2024 · 2.76
Debt to equity
0.31▼
2024 · 0.55
ROE
57.7%▼
2024 · 88.8%
ROA
43.9%▼
2024 · 57.3%
Interest coverage
112.56
Debt ≤ 1 year
€20k▲
2024 · €15k
Income taxes
€9k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€41k€83k▲
Fixed assets21/28€965€472▼
Tangible fixed assets22/27€965€472▼
Furniture and vehicles24€965€472▼
Current assets29/58€40k€83k▲
Amounts receivable after more than one year29-€28k
Trade receivables290-€28k
Amounts receivable within one year40/41€30k€5k▼
Other amounts receivable41€30k€5k▼
Cash at bank and in hand54/58€11k€50k▲
Deferred charges and accrued income490/1-€12
Equity and liabilities
Total equity and liabilities10/49€41k€83k▲
Equity10/15€27k€63k▲
Contributions10/11€3k€3k=
Reserves13€24k€60k▲
Distributable reserves133€24k€60k▲
Amounts payable17/49€15k€20k▲
Amounts payable within one year42/48€15k€20k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€12k€12k▲
Taxes450/3€12k€12k▲
Other amounts payable47/48€200€853▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20€493▲
Other operating charges640/8€527€692▲
Gross operating margin9900€30k€47k▲
Operating profit (loss)9901€30k€46k▲
Financial charges65/66B-€414
Recurring financial charges65-€414
Profit (loss) for the period before taxes9903€30k€46k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€24k€36k▲
Profit (loss) for the period to be appropriated9905€24k€36k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€36k▲
Transfer to equity691/2€24k€36k▲
To other reserves6921€24k€36k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20 | €493 | ▲ 2,333% |
| Other operating charges640/8 | €527 | €692 | ▲ 31.2% |
| Gross operating margin9900 | €30k | €47k | ▲ 56.4% |
| Operating profit (loss)9901 | €30k | €46k | ▲ 55.3% |
| Financial charges65/66B | - | €414 | - |
| Recurring financial charges65 | - | €414 | - |
| Profit (loss) for the period before taxes9903 | €30k | €46k | ▲ 53.9% |
| Income taxes67/77 | €6k | €9k | ▲ 55.7% |
| Profit (loss) for the period9904 | €24k | €36k | ▲ 53.5% |
| Profit (loss) for the period to be appropriated9905 | €24k | €36k | ▲ 53.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €41k | €83k | ▲ 100% |
| Fixed assets21/28 | €965 | €472 | ▼ 51.0% |
| Tangible fixed assets22/27 | €965 | €472 | ▼ 51.0% |
| Furniture and vehicles24 | €965 | €472 | ▼ 51.0% |
| Current assets29/58 | €40k | €83k | ▲ 104% |
| Amounts receivable after more than one year29 | - | €28k | - |
| Trade receivables290 | - | €28k | - |
| Amounts receivable within one year40/41 | €30k | €5k | ▼ 84.8% |
| Other amounts receivable41 | €30k | €5k | ▼ 84.8% |
| Cash at bank and in hand54/58 | €11k | €50k | ▲ 371% |
| Deferred charges and accrued income490/1 | - | €12 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €41k | €83k | ▲ 100% |
| Equity10/15 | €27k | €63k | ▲ 136% |
| Contributions10/11 | €3k | €3k | = |
| Reserves13 | €24k | €60k | ▲ 153% |
| Distributable reserves133 | €24k | €60k | ▲ 153% |
| Amounts payable17/49 | €15k | €20k | ▲ 34.5% |
| Amounts payable within one year42/48 | €15k | €20k | ▲ 34.5% |
| Current portion of amounts payable after more than one year42 | - | €5k | - |
| Trade debts44 | €2k | €1k | ▼ 30.7% |
| Suppliers440/4 | €2k | €1k | ▼ 30.7% |
| Taxes, remuneration and social security45 | €12k | €12k | ▲ 0.2% |
| Taxes450/3 | €12k | €12k | ▲ 0.2% |
| Other amounts payable47/48 | €200 | €853 | ▲ 327% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €24k | €36k | ▲ 53.5% |
| + Depreciation and write-downs630 | €20 | €493 | ▲ 2,333% |
| Operating cash flow (approximation) | €24k | €37k | ▲ 55.4% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €39k | - |
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
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Haacht · 1 establishment unit since 2024
Ground area
334 m²
Building footprint
99 m²
Parcel 24033D0263/00G000, Flanders · tallest building 0.5 m. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
SOWO
since 20242.367.848.687
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24033D0263/00G000 | Flanders | 334 m² | 1 · 99 m² | 0.5 m |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 117 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 117 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 22,056 companies in sector 69101 we hold annual accounts for 9,055. 7,382 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
Founded12-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.