CAWOY
ActiveCAWOY has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €262k and a net result of €2k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 1290 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability69▼-5
Solvency100▲+22
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.13 in 2023; short-term debt: 22% and cash: 14.3% of total assets), and 25.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
40 d early
2022
13 d early
2021
26 d early
2020
26 d early
2019
81 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k▼ 92.5%
2023 · €21k
2018: €16k
2019: €9k
2020: €31k
2021: €10k
2022: €-4k
2023: €21k
2018 → 2024
Working capital
€52k▲ 108%
2023 · €25k
2018: €-31k
2019: €-37k
2020: €-22k
2021: €-27k
2022: €32k
2023: €25k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€241k-€247k▲ 2.5%€239k▼ 3.3%€260k▲ 8.7%€262k▲ 0.6%
Operating result€41k-€13k▼ 67.2%€-2k€24k€3k▼ 88.4%
Net result€31k-€10k▼ 67.0%€-4k€21k€2k▼ 92.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 88% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €351k
Fixed assets
€221k▼ 19.8%
Current assets
€129k▼ 39.5%
Equity and liabilities €351k
Equity
€262k▲ 0.6%
Debt
€89k▼ 61.3%
The debt ratio falls from 46.9% to 25.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▼
2023 · €92k
Cash flow
€56k▼
2023 · €89k
Solvency
74.6%▲
2023 · 53.1%
Current ratio
1.68▲
2023 · 1.13
Quick ratio
1.68▲
2023 · 1.13
Debt / equity
0.34▼
2023 · 0.88
ROE
0.6%▼
2023 · 8.2%
ROA
0.5%▼
2023 · 4.4%
Interest coverage
66.92▲
2023 · 36.91
Debt
€89k▼
2023 · €230k
Debt ≤ 1 year
€77k▼
2023 · €189k
Debt > 1 year
€12k▼
2023 · €40k
Income taxes
€351▼
2023 · €363
Staff costs
€604k▼
2023 · €820k
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€490k€351k▼
Fixed assets21/28€276k€221k▼
Tangible fixed assets22/27€276k€221k▼
Land and buildings22€151k€145k▼
Plant, machinery and equipment23€53k€35k▼
Furniture and vehicles24€72k€41k▼
Current assets29/58€214k€129k▼
Amounts receivable within one year40/41€137k€50k▼
Trade receivables40€125k€41k▼
Other amounts receivable41€12k€8k▼
Cash at bank and in hand54/58€44k€50k▲
Deferred charges and accrued income490/1€32k€29k▼
Equity and liabilities
Total equity and liabilities10/49€490k€351k▼
Equity10/15€260k€262k▲
Contributions10/11€195k€195k=
Reserves13€500€500=
Distributable reserves133€500€500=
Profit (loss) carried forward14€65k€66k▲
Amounts payable17/49€230k€89k▼
Amounts payable after more than one year17€40k€12k▼
Financial debts170/4€40k€12k▼
Amounts payable within one year42/48€189k€77k▼
Current portion of amounts payable after more than one year42€29k€29k▼
Trade debts44€99k€14k▼
Suppliers440/4€99k€14k▼
Taxes, remuneration and social security45€61k€35k▼
Taxes450/3€47k€24k▼
Remuneration and social security454/9€13k€11k▼
Accrued charges and deferred income492/3€521-
Income statement
Code20232024
Remuneration, social security and pensions62€820k€604k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€55k▼
Other operating charges640/8€9k€5k▼
Gross operating margin9900€920k€667k▼
Operating profit (loss)9901€24k€3k▼
Financial income75/76B€13-
Recurring financial income75€13-
Financial charges65/66B€2k€860▼
Recurring financial charges65€2k€860▼
Profit (loss) for the period before taxes9903€22k€2k▼
Income taxes67/77€363€351▼
Profit (loss) for the period9904€21k€2k▼
Profit (loss) for the period to be appropriated9905€21k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€66k▲
Profit (loss) brought forward from the previous period14P€43k€65k▲
Social balance
Average headcount (FTE)908716.314.3▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-4k ▼138%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €31k ▲244%
Operating result €41k, net result €31k, both a record.
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
03-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Beaumont · 1 establishment unit since 2016
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.
Rue Tilia(ST) 26511 BeaumontGround area
1,265 m²
Building footprint
187 m²
Volume, LiDAR
944 m³
2 parcels, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAWOY
since 20162.254.356.115
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56077D0710/00E000 | Wallonia | 779 m² | 1 · 105 m² | 7.7 m · 2 fl. |
| 56075B0389/00E002 | Wallonia | 486 m² | 1 · 82 m² | 7.6 m · 2 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.
Similar companies · same sector, comparable size
COR-BO
BE 0886.654.234
Rotselaar · Eq €262k
JAN VANDORMAEL
BE 0861.339.610
Hasselt · Eq €262k
FTH QUALITY CONSTRUCT
BE 0666.919.144
Châtelet · Eq €262k
Salex Grup
BE 0737.912.256
Koekelberg · Eq €262k
MaMo Safety & Construction
BE 0715.531.485
Lokeren · Eq €261k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 11,360 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2016
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:yves@cawoy.be
Phone:0495/773756