Age10 yrs
Real estate2 parcels · 3,021 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of How's Work is 0.1% (very low). The 2025 annual accounts show equity of €220k and a net result of €110k. Its solvency ranks better than 82% of 237 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Signals
1 signal · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 82% of 237 peers (2025). A comfortable equity buffer.
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
2 signalsEstablished
Founded in 2016, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.1%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Multiple establishment units
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€110k
Working capital€240k
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 06-07-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 85 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 79.5% | 43.1% | |
| Net result | €110k | €11k | |
| Equity | €220k | €26k | |
| Gross operating margin | €165k | €29k | |
| Total assets | €277k | €78k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €164k |
| Net profit | €110k |
| Cash flow | €111k |
| Staff costs | - |
| Income taxes | €46k |
| Dividends | €63k |
| Total assets | €277k |
| Equity | €220k |
| Debt | €57k |
| of which ≤ 1y | €33k |
| of which > 1y | - |
| Working capital | €240k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 8.24 |
| Quick ratio | 8.24 |
| Working capital ratio | 86.6% |
| Solvency | 79.5% |
| Debt / equity | 0.26 |
| Long-term debt ratio | - |
| Interest coverage | 1646.17 |
| Gross margin | - |
| Net margin | - |
| ROA | 39.7% |
| ROE | 49.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €277k |
| Fixed assets | 21/28 | €4k |
| Tangible fixed assets | 22/27 | €4k |
| Current assets | 29/58 | €273k |
| Amounts receivable within one year | 40/41 | €181k |
| Cash & bank | 54/58 | €91k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €277k |
| Equity | 10/15 | €220k |
| Contributions / capital | 10/11 | €1k |
| Reserves | 13 | €219k |
| Amounts payable | 17/49 | €57k |
| Amounts payable within one year | 42/48 | €33k |
| Trade debts payable within one year | 44 | €7k |
| Income statement | ||
| Gross operating margin | 9900 | €165k |
| Operating result | 9901 | €163k |
| Financial charges | 65 | €100 |
| Result before taxes | 9903 | €156k |
| Income taxes | 67/77 | €46k |
| Net result for the period | 9904 | €110k |
| Result to be appropriated | 9905 | €110k |
Ratios computed by Checked.
Health barometer
FY 2025 · computed93
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Establishment units
2 locationsHowsWork
since 20162.256.352.533
How's Work
since 20232.342.171.106
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area3,021 m²
Buildings2
Building footprint266 m²
Volume (LiDAR)3,080 m³
Tallest building19.4 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1277/00B006 | Flanders | 2,918 m² | 1 · 195 m² | 19.4 m · 5 fl. |
| 11806F1284/00M008 | Flanders | 103 m² | 1 · 71 m² | 12.8 m · 3 fl. |
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).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Address history · 1
13-02-2025
Registered-office move
All acts · 3
updated 10 months ago
2025
17-09-2025 Change in the board of directors
Notary:
Veerle Boere · Antwerpen
13-02-2025 Registered office moved within Antwerpen
- Walvisstraat 49, 2018 Antwerpen → Walvisstraat 48, 2018 Antwerpen
2024
08-07-2024 1 director appointed, 1 resigning
- Katelijn Nijsmans, Zaakvoerder
- Katelijn Nijsmans, Zaakvoerder
Analysis
Snowflake analysis
financial profile on 5 axes94
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
93
Profitability
100
Solvency
100
Growth
-
Stability
85
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Credit advice
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Company registry (CBE)
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Primary activity highlighted.
Names & trade names
| Legal nameNL | How's Work |
Registered office
Walvisstraat 48
2018 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.