Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
Cowize from Antwerpen, company number BE0674700722, closed financial year 2025 with a result of € -36,244 after tax. For that financial year Cowize recorded a gross margin of € 58,898 and equity of € 99,316. Compared with financial year 2024, the result moved from € -67,615 to € -36,244. The company made a loss. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 9, 2026.
€ 99,316
▲ 46% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -36,244
▲ 46 % less loss than in 2024
Profit after tax over the fiscal year.
€ 81,503
▲ 43% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -150,684.
People and assets in 2025
€ 60,959
▼ 57% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 3,652
▼ 44% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 113,069
▲ € 112,005 vs 2024
€ 24,394 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 25,827
▲ 221% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 8,906
▼ 34% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 154,955 | € 166,464 | € 98,498 | € 58,898 | ▼ 40% |
| Profit after taxes | € 46,614 | € 4,950 | € -67,615 | € -36,244 | ▲ € 31,371 |
| Equity | € 130,726 | € 135,676 | € 68,061 | € 99,316 | ▲ 46% |
| Total debts | € 41,486 | € 52,595 | € 30,493 | € 160,813 | ▲ € 130,320 |
| Cash | € 97,486 | € 109,421 | € 56,889 | € 81,503 | ▲ 43% |
| Retained profit | € -51,775 | € -46,825 | € -114,440 | € -150,684 | ▼ € 36,244 |
| Bank debt | € 15,671 | € 8,141 | € 1,064 | € 113,069 | ▲ € 112,005 |
| Balance sheet total | € 172,212 | € 188,271 | € 98,554 | € 260,129 | ▲ 164% |
Key figures of Cowize, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Cowize?
What happened at Cowize in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 36,244. Source: NBB ↗
- New establishment in Brasschaat. KBO
- Start of the company according to the CBE. KBO
In short
From € 46,614 profit in 2022 to € 36,244 loss in 2025.
Paid € 1,596 in corporate taxes since 2022.
Best year ever: 2022, with € 46,614 profit.
A new publication or filing at Cowize? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Cowize are Hans De Bruyn and Inge De Pauw. Hans De Bruyn is also behind TANDHEELKUNDIGE PRAKTIJK DE BRUYN.
Directors
According to the 2025 annual accounts
Inge De Pauw
Managing director
Establishments
Establishment units
Physical locations of this company
Kapelsesteenweg 195 box 2
2180 Antwerpen
Bredabaan 546
2930 Brasschaat
Active since 20 April 2017
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →Creative Customer Support
€ 177,696 gross margin · 2025
MPMC
€ 6,897 gross margin · 2025
BPREPARED
€ 649,121 revenue · 2025
CCS-MPMC-E4Y
Unit 45 Belgium
€ 175,163 gross margin · 2025
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0674.700.722
- VAT number
- BE 0674.700.722
- Registered office
- Kapelsesteenweg 195 bus 2, 2180 Antwerpen
- Names & denominations
- Cowize
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 April 2017
- Peppol
- Active · Active since 16 Dec 2025
- Activities · NACE
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