Sower Management Consulting
ActiveSummary
Sower Management Consulting has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €406k and a net result of €17k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 65% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▲+14
Solvency95▼-5
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.28 against 4.41 in 2024; short-term debt: 16.5% and cash: 17.7% of total assets), and 29.6% 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.
−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 70
Relative position
BE, all sectors
reference
Sector 70
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
70.4%
Return on assets
3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
7 d early
2023
9 d early
2022
29 d late
2021
24 d late
2020
12 d late
2019
30 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€406k▼ 10.5%
2024 · €454k
2018: €438k
2019: €447k
2020: €471k
2021: €522k
2022: €572k
2023: €494k
2024: €454k
2018 → 2025
Total assets
€577k▼ 4.6%
2024 · €604k
2018: €585k
2019: €596k
2020: €602k
2021: €704k
2022: €761k
2023: €622k
2024: €604k
2018 → 2025
Net result
€17k▲ 73.3%
2024 · €10k
2018: €19k
2019: €10k
2020: €24k
2021: €50k
2022: €51k
2023: €12k
2024: €10k
2018 → 2025
Working capital
€217k▼ 15.0%
2024 · €255k
2018: €236k
2019: €253k
2020: €270k
2021: €297k
2022: €366k
2023: €288k
2024: €255k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€522k-€572k▲ 9.7%€494k▼ 13.7%€454k▼ 8.1%€406k▼ 10.5%
Operating result€77k-€76k▼ 0.8%€22k▼ 71.4%€28k▲ 27.0%€34k▲ 21.4%
Net result€50k-€51k▲ 0.4%€12k▼ 76.3%€10k▼ 16.2%€17k▲ 73.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €577k
Fixed assets
€265k ▼ 3.5%
Current assets
€312k ▼ 5.4%
Equity and liabilities €577k
Equity
€406k ▼ 10.5%
Debt
€170k ▲ 13.3%
Debt's share of the balance-sheet total rises from 24.9% to 29.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€59k▲
2024 · €54k
Cash flow
€42k▲
2024 · €36k
Current ratio
3.28▼
2024 · 4.41
Debt to equity
0.42▲
2024 · 0.33
ROE
4.3%▲
2024 · 2.2%
ROA
3.0%▲
2024 · 1.7%
Interest coverage
4.81▲
2024 · 3.40
Debt ≤ 1 year
€95k▲
2024 · €75k
Debt > 1 year
€60k▼
2024 · €69k
Income taxes
€11k▲
2024 · €5k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€604k€577k▼
Fixed assets21/28€274k€265k▼
Tangible fixed assets22/27€224k€207k▼
Land and buildings22€184k€166k▼
Plant, machinery and equipment23€1k€91▼
Furniture and vehicles24€8k€7k▼
Other tangible fixed assets26€32k€34k▲
Financial fixed assets28€50k€58k▲
Current assets29/58€330k€312k▼
Amounts receivable within one year40/41€150k€91k▼
Trade receivables40€110k€72k▼
Other amounts receivable41€41k€19k▼
Current investments50/53€103k€109k▲
Cash at bank and in hand54/58€71k€102k▲
Deferred charges and accrued income490/1€6k€10k▲
Equity and liabilities
Total equity and liabilities10/49€604k€577k▼
Equity10/15€454k€406k▼
Contributions10/11€12k€12k=
Reserves13€332k€284k▼
Distributable reserves133€332k€284k▼
Profit (loss) carried forward14€110k€110k=
Amounts payable17/49€150k€170k▲
Amounts payable after more than one year17€69k€60k▼
Financial debts170/4€69k€60k▼
Amounts payable within one year42/48€75k€95k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€17k€13k▼
Suppliers440/4€17k€13k▼
Advances received on contracts in progress46€2k-
Taxes, remuneration and social security45€12k€5k▼
Taxes450/3€12k€5k▼
Other amounts payable47/48€33k€65k▲
Accrued charges and deferred income492/3€7k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€25k▼
Other operating charges640/8€7k€6k▼
Gross operating margin9900€61k€64k▲
Operating profit (loss)9901€28k€34k▲
Financial income75/76B€3k€7k▲
Recurring financial income75€3k€4k▲
Non-recurring financial income76B-€3k
Financial charges65/66B€16k€12k▼
Recurring financial charges65€16k€12k▼
Profit (loss) for the period before taxes9903€15k€28k▲
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€10k€17k▲
Profit (loss) for the period to be appropriated9905€10k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€120k€127k▲
Profit (loss) brought forward from the previous period14P€110k€110k=
Transfer from equity791/2€50k€65k▲
Transfer to equity691/2€10k€17k▲
To other reserves6921€10k€17k▲
Profit to be distributed694/7€50k€65k▲
Return on contributions (dividend)694€50k€65k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €51k ▲0.4%
Net result €51k, the highest in the series.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €500kEq €522k ▲10.7%
4 profitable years in a row build equity to €522k.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €10k ▼49.7%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 37 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Puurs-Sint-Amands · 1 establishment unit since 2011
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.
Kuitegemstraat 1002890 Puurs-Sint-AmandsGround area
1,020 m²
Building footprint
154 m²
Volume, LiDAR
825 m³
Parcel 12034B0514/00E000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sower Management Consulting
since 20112.197.103.943
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12034B0514/00E000 | Flanders | 1,020 m² | 1 · 154 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
2022 to 2023 · 2 entries · 3,611 EUR awarded · 3,611 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 87 EUR | 87 EUR |
| 2022 | 1 | 3,524 EUR | 3,524 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 36,267 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2011
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.