THE OWL
ActiveTHE OWL has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €5k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▲+58
Solvency62▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.96 in 2024; short-term debt: 23.5% and cash: 14.5% of total assets), and 62.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
37.3%
Return on assets
2.2%
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
29 d late
2023
30 d late
2022
32 d late
2021
31 d late
2020
60 d late
2019
62 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▲ 6.4%
2024 · €78k
2018: €38k
2019: €30k
2020: €77k
2021: €115k
2022: €124k
2023: €106k
2024: €78k
2018 → 2025
Total assets
€223k▼ 6.8%
2024 · €239k
2018: €54k
2019: €140k
2020: €261k
2021: €303k
2022: €306k
2023: €278k
2024: €239k
2018 → 2025
Net result
€5k
2024 · €-28k
2018: €19k
2019: €-8k
2020: €47k
2021: €37k
2022: €13k
2023: €-30k
2024: €-28k
2018 → 2025
Working capital
€1k
2024 · €-3k
2018: €35k
2019: €-3k
2020: €31k
2021: €36k
2022: €42k
2023: €24k
2024: €-3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€124k▲ 8.2%€106k▼ 14.6%€78k▼ 26.3%€83k▲ 6.4%
Operating result€52k-€23k▼ 56.9%€-24k€-22k▲ 9.2%€8k
Net result€37k-€13k▼ 65.5%€-30k€-28k▲ 8.4%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8k after a loss of €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223k
Fixed assets
€169k▼ 2.8%
Current assets
€53k▼ 17.4%
Equity and liabilities €223k
Equity
€83k▲ 6.4%
Debt
€140k▼ 13.1%
The debt ratio falls from 67.3% to 62.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €-14k
Cash flow
€12k▲
2024 · €-20k
Solvency
37.3%▲
2024 · 32.7%
Current ratio
1.02▲
2024 · 0.96
Quick ratio
1.02▲
2024 · 0.96
Debt / equity
1.68▼
2024 · 2.06
ROE
6.0%▲
2024 · -35.7%
ROA
2.2%▲
2024 · -11.7%
Interest coverage
4.83▲
2024 · -2.46
Debt
€140k▼
2024 · €161k
Debt ≤ 1 year
€52k▼
2024 · €68k
Debt > 1 year
€87k▼
2024 · €92k
Income taxes
€134▼
2024 · €276
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€239k€223k▼
Fixed assets21/28€174k€169k▼
Tangible fixed assets22/27€174k€169k▼
Land and buildings22€170k€165k▼
Plant, machinery and equipment23€2k-
Furniture and vehicles24€2k€4k▲
Current assets29/58€65k€53k▼
Amounts receivable within one year40/41€53k€21k▼
Trade receivables40€41k€16k▼
Other amounts receivable41€12k€4k▼
Cash at bank and in hand54/58€11k€32k▲
Deferred charges and accrued income490/1€630€626▼
Equity and liabilities
Total equity and liabilities10/49€239k€223k▼
Equity10/15€78k€83k▲
Contributions10/11€19k€19k=
Reserves13€6k€6k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€54k€59k▲
Amounts payable17/49€161k€140k▼
Amounts payable after more than one year17€92k€87k▼
Financial debts170/4€92k€87k▼
Amounts payable within one year42/48€68k€52k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€2k€69▼
Suppliers440/4€2k€69▼
Advances received on contracts in progress46-€69
Taxes, remuneration and social security45€6k€849▼
Taxes450/3€4k€376▼
Remuneration and social security454/9€2k€472▼
Other amounts payable47/48€54k€46k▼
Accrued charges and deferred income492/3€589€350▼
Income statement
Code20242025
Remuneration, social security and pensions62€148k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€987€2k▲
Gross operating margin9900€135k€17k▼
Operating profit (loss)9901€-22k€8k▲
Financial income75/76B€254€3▼
Recurring financial income75€254€3▼
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€-28k€5k▲
Income taxes67/77€276€134▼
Profit (loss) for the period9904€-28k€5k▲
Profit (loss) for the period to be appropriated9905€-28k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€59k▲
Profit (loss) brought forward from the previous period14P€82k€54k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-30k ▼338%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €115k ▲48%
2 profitable years in a row build equity to €115k.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2015
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.
Biesheuvellaan 232180 AntwerpenGround area
2,316 m²
Building footprint
301 m²
Volume, LiDAR
3,389 m³
2 parcels, Flanders · tallest building 28.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
THE OWL
since 20152.246.334.314
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B1377/00M002 | Flanders | 1,945 m² | 1 · 187 m² | 28.2 m · 6 fl. |
| 11364F0284/00Y000 | Flanders | 371 m² | 1 · 113 m² | 7.7 m |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,555 EUR awarded · 1,555 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 721 EUR | 721 EUR |
| 2023 | 1 | 0 EUR | 90 EUR |
| 2022 | 1 | 834 EUR | 744 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
FRANCOISE BURLET CONSULTING
BE 0744.685.034
Vilvoorde · Eq €83k
Hospitality Forces
BE 0686.876.695
Antwerpen · Eq €83k
TALATA
BE 0757.837.640
Lennik · Eq €83k
MASA.EA Management & Consulting
BE 1017.323.429
Namur · Eq €83k
So wo-man
BE 1007.801.888
Merchtem · Eq €83k
Of 24,503 companies in sector 82990 we hold annual accounts for 9,404. 7,156 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2015
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74300Other professional, scientific and technical activities
74301Translation services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.