Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 6 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
WOUTERS - LOWEL from Hasselt, company number BE0836925403, closed financial year 2025 with a result of € -7,790 after tax. For that financial year WOUTERS - LOWEL recorded a gross margin of € 15,265 and equity of € 30,488. Compared with financial year 2024, the result moved from € 4,255 to € -7,790. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 12, 2026.
€ 30,488
▼ 20% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7,790
▼ still € 4,255 profit in 2024
Profit after tax over the fiscal year.
€ 341
▼ 7% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 24,288.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
€ 3,473
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 410,111
▼ 10% vs 2024
€ 45,833 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 1,364
▲ € 1,197 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1,953
▼ 39% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 24,108 | € 30,439 | € 27,749 | € 15,265 | ▼ 45% |
| Profit after taxes | € 750 | € 7,419 | € 4,255 | € -7,790 | ▼ € 12,045 |
| Equity | € 26,604 | € 34,023 | € 38,278 | € 30,488 | ▼ 20% |
| Total debts | € 908,459 | € 913,510 | € 901,123 | € 867,985 | ▼ 4% |
| Cash | € 24 | € 67 | € 366 | € 341 | ▼ 7% |
| Land & buildings | € 311,111 | € 300,146 | € 289,180 | € 278,215 | ▼ 4% |
| Retained profit | € 20,404 | € 27,823 | € 32,078 | € 24,288 | ▼ 24% |
| Bank debt | € 547,611 | € 501,778 | € 455,945 | € 410,111 | ▼ 10% |
| Balance sheet total | € 935,063 | € 947,533 | € 939,400 | € 898,473 | ▼ 4% |
Key figures of WOUTERS - LOWEL, 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 WOUTERS - LOWEL?
What happened at WOUTERS - LOWEL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 7,790 (▼ € 12,045 vs 2024). filed late Source: NBB ↗
- New establishment in Hasselt. KBO
- Karlijn Lowel became a director. NBB
- Dries Wouters became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 750 profit in 2022 to € 7,790 loss in 2025.
Paid € 2,695 in corporate taxes since 2022.
Best year ever: 2023, with € 7,419 profit.
Management
Behind WOUTERS - LOWEL are Karlijn Lowel and Dries Wouters. Dries Wouters is also behind ASSUR - PROJECTS, BZB-FEDAFIN, ACTIEF INSURANCES, Poggio and Certa Trinitas.
Directors
According to the 2025 annual accounts
Karlijn Lowel
Director
since 2011
Dries Wouters
Director
Also active at: ASSUR - PROJECTS, BZB-FEDAFIN, ACTIEF INSURANCES, Poggio, Certa Trinitas, OPTIFIN SOLUTIONS, OMDA INVESTMENTS
since 2011
Establishments
Establishment units
Physical locations of this company
Zammelenstraat 2
3724 Hasselt
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0836.925.403
- VAT number
- BE 0836.925.403
- Registered office
- Zammelenstraat 2, 3724 Hasselt
- Names & denominations
- WOUTERS - LOWEL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 June 2011
- Peppol
- Active · Active since 7 Aug 2025
- Activities · NACE
Activiteiten van holdings
Holdings