WOUTERS - LOWEL
ActiveWOUTERS - LOWEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €30k and a net result of €-8k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 8% of 5495 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 5495 sector peers (2025).
NBB · sector comparisonPosition among 5495 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
30 d late
2023
29 d late
2022
6 d early
2021
61 d late
2020
3 d late
2019
60 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€30k▼ 20.4%
2024 · €38k
2018: €32k
2019: €34k
2020: €35k
2021: €26k
2022: €27k
2023: €34k
2024: €38k
2018 → 2025
Net result
€-8k
2024 · €4k
2018: €42
2019: €2k
2020: €1k
2021: €-10k
2022: €750
2023: €7k
2024: €4k
2018 → 2025
Total assets
€898k▼ 4.4%
2024 · €939k
2018: €973k
2019: €969k
2020: €954k
2021: €931k
2022: €935k
2023: €948k
2024: €939k
2018 → 2025
Solvency
3.4%▼ 0.7pp
2024 · 4.1%
2018: 3.3%
2019: 3.5%
2020: 3.7%
2021: 2.8%
2022: 2.8%
2023: 3.6%
2024: 4.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€27k▲ 2.9%€34k▲ 27.9%€38k▲ 12.5%€30k▼ 20.4%
Operating result€134-€10k▲ 7,442%€17k▲ 66.3%€14k▼ 15.7%€-450
Net result€-10k-€750€7k▲ 889%€4k▼ 42.7%€-8k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €450 after €14k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €898k
Fixed assets
€871k▼ 0.9%
Current assets
€28k▼ 54.6%
Equity and liabilities €898k
Equity
€30k▼ 20.4%
Debt
€868k▼ 3.7%
The debt ratio rises from 95.9% to 96.6%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
3.4%▼
2024 · 4.1%
ROE
-25.6%▼
2024 · 11.1%
ROA
-0.9%▼
2024 · 0.5%
Debt
€868k▼
2024 · €901k
Debt ≤ 1 year
€504k▲
2024 · €491k
Debt > 1 year
€364k▼
2024 · €410k
Income taxes
€0▼
2024 · €2k
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€939k€898k▼
Fixed assets21/28€878k€871k▼
Tangible fixed assets22/27€289k€282k▼
Land and buildings22€289k€278k▼
Furniture and vehicles24-€3k
Financial fixed assets28€589k€589k=
Current assets29/58€61k€28k▼
Amounts receivable within one year40/41€61k€28k▼
Trade receivables40€60k€22k▼
Other amounts receivable41€926€6k▲
Cash at bank and in hand54/58€366€341▼
Equity and liabilities
Total equity and liabilities10/49€939k€898k▼
Equity10/15€38k€30k▼
Contributions10/11€6k€6k=
Reserves13€32k€32k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€0-
Other1319€2k€2k=
Distributable reserves133€30k€30k▼
Profit (loss) carried forward14-€-7k
Amounts payable17/49€901k€868k▼
Amounts payable after more than one year17€410k€364k▼
Financial debts170/4€410k€364k▼
Amounts payable within one year42/48€491k€504k▲
Current portion of amounts payable after more than one year42€46k€46k=
Trade debts44€167€1k▲
Suppliers440/4€167€1k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€442k€455k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€3k€5k▲
Gross operating margin9900€28k€15k▼
Operating profit (loss)9901€14k€-450▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€6k€-8k▼
Income taxes67/77€2k€0▼
Profit (loss) for the period9904€4k€-8k▼
Profit (loss) for the period to be appropriated9905€4k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-8k▼
Transfer from equity791/2-€544
Transfer to equity691/2€4k€0▼
To other reserves6921€4k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (18 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €7k ▲889%
Operating result €17k, net result €7k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €750
Net result €750 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €-10k ▼892%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 3 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 60 days late
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 54 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 13 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hasselt · 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.
Zammelenstraat 23724 HasseltGround area
482 m²
Building footprint
126 m²
Volume, LiDAR
804 m³
Parcel 73090G0460/00M000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WOUTERS-LOWEL
since 20112.199.919.913
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73090G0460/00M000 | Flanders | 482 m² | 1 · 126 m² | 8.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488DCY9N1B1V4752R90
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NAJALU
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 8,787 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-06-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.