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365 Advisory

Active
Private limited companyfounded 20178 yrs activeSnoeckstraat(MEL) 45, 9120 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 0681.789.442

365 Advisory has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €114k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 51% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
87 / 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency86▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 3.21 in 2024; short-term debt: 12.9% and cash: 18% of total assets), and 39.3% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.
lowers riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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 2025
Solvency, return and age of the figures
Solvency
60.7%
Return on assets
40.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 14-01-2026, 17 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
17 d early
2024
9 d early
2023
7 d early
2022
1 d early
2021
6 d early
2020
2 d early
2019
on the day
← before the deadline after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€172k▼ 17.2%
2024 · €208k
2019: €55k 2020: €93k 2021: €121k 2022: €116k 2023: €168k 2024: €208k
2019 → 2025
Total assets
€284k▼ 13.3%
2024 · €328k
2019: €303k 2020: €297k 2021: €299k 2022: €281k 2023: €319k 2024: €328k
2019 → 2025
Net result
€114k▲ 27.0%
2024 · €90k
2019: €37k 2020: €37k 2021: €28k 2022: €63k 2023: €100k 2024: €90k
2019 → 2025
Working capital
€25k▼ 65.1%
2024 · €73k
2019: €-28k 2020: €-536 2021: €18k 2022: €13k 2023: €60k 2024: €73k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€121k-€116k▼ 3.8%€168k▲ 44.5%€208k▲ 23.8%€172k▼ 17.2%
Operating result€37k-€94k▲ 154%€134k▲ 43.0%€126k▼ 5.8%€157k▲ 24.7%
Net result€28k-€63k▲ 125%€100k▲ 57.7%€90k▼ 9.9%€114k▲ 27.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€50k€100k€150kOperating result 2021: €37k€37kNet result 2021: €28k€28kOperating result 2022: €94k€94kNet result 2022: €63k€63kOperating result 2023: €134k€134kNet result 2023: €100k€100kOperating result 2024: €126k€126kNet result 2024: €90k€90kOperating result 2025: €157k€157kNet result 2025: €114k€114k20212022202320242025
The operating result recovers in 2025; 2025 is 25% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets €222k▲ 0.1%
Current assets €62k▼ 41.5%
Equity and liabilities €284k
Equity €172k▼ 17.2%
Debt €112k▼ 6.6%
The debt ratio rises from 36.5% to 39.3%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€166k
2024 · €135k
Cash flow
€123k
2024 · €99k
Solvency
60.7%
2024 · 63.5%
Current ratio
1.70
2024 · 3.21
Quick ratio
1.70
2024 · 3.21
Debt / equity
0.65
2024 · 0.58
ROE
66.3%
2024 · 43.2%
ROA
40.2%
2024 · 27.4%
Interest coverage
20.91
2024 · 18.96
Debt
€112k
2024 · €120k
Debt ≤ 1 year
€37k
2024 · €33k
Debt > 1 year
€75k
2024 · €87k
Income taxes
€35k
2024 · €29k
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€328k€284k
Fixed assets21/28€222k€222k
Tangible fixed assets22/27€222k€222k
Land and buildings22€215k€208k
Furniture and vehicles24€7k€14k
Current assets29/58€106k€62k
Amounts receivable within one year40/41€12k€1k
Trade receivables40€3k-
Other amounts receivable41€9k€1k
Current investments50/53€6k€6k=
Cash at bank and in hand54/58€87k€51k
Deferred charges and accrued income490/1€1k€4k
Equity and liabilities
Total equity and liabilities10/49€328k€284k
Equity10/15€208k€172k
Contributions10/11€5k€5k=
Reserves13€203k€167k
Distributable reserves133€203k€167k
Amounts payable17/49€120k€112k
Amounts payable after more than one year17€87k€75k
Financial debts170/4€87k€75k
Amounts payable within one year42/48€33k€37k
Current portion of amounts payable after more than one year42€11k€11k=
Financial debts43€8k€4k
Credit institutions430/8€8k€4k
Trade debts44€3k€9k
Suppliers440/4€3k€9k
Taxes, remuneration and social security45€10k€11k
Taxes450/3€10k€11k
Other amounts payable47/48-€2k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k
Other operating charges640/8€1k€2k
Gross operating margin9900€136k€168k
Operating profit (loss)9901€126k€157k
Financial income75/76B€1€11
Recurring financial income75€1€11
Financial charges65/66B€7k€8k
Recurring financial charges65€7k€8k
Profit (loss) for the period before taxes9903€119k€149k
Income taxes67/77€29k€35k
Profit (loss) for the period9904€90k€114k
Profit (loss) for the period to be appropriated9905€90k€114k
Appropriation of the result
Profit (loss) to be appropriated9906€90k€114k
Transfer from equity791/2€50k€150k
Transfer to equity691/2€90k€114k
To other reserves6921€90k€114k
Profit to be distributed694/7€50k€150k
Return on contributions (dividend)694€50k€150k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
14-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial Highest result since 2019net €114k ▲27%
Operating result €157k, net result €114k, both a record.
22-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial Equity above €200kEq €208k ▲23.8%
6 profitable years in a row build equity to €208k.
24-01
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial Liquidity doublescurrent ratio 2.90
Current ratio from 1.38 to 2.90; short-term debt falls from €34k to €32k.
30-06
Financial Equity above €150kEq €168k ▲44.5%
5 profitable years in a row build equity to €168k.
30-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
25-01
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial Weakest financial yearnet €28k ▼24.8%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
30-06
Financial Equity above €100kEq €121k ▲30.4%
3 profitable years in a row build equity to €121k.
29-01
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2017
establishment The establishment unit on the map
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.

Snoeckstraat(MEL) 459120 Beveren-Kruibeke-Zwijndrecht
Ground area
475 m²
Building footprint
89 m²
Volume, LiDAR
2 m³
Parcel 46016E0179/00G000, Flanders · tallest building 0.3 m. Linked by address, not a title deed.
1 establishment unit
365 Advisory
Snoeckstraat(MEL) 45, 9120 Beveren-Kruibeke-ZwijndrechtRetail trade
since 20172.268.624.914
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46016E0179/00G000 Flanders 475 m² 1 · 89 m² 0.3 m
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 · 1 entry · 3,000 EUR awarded · 3,000 EUR paid
Year Entries awardedpaid
2022 1 3,000 EUR3,000 EUR
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
1 entry · 3,000 EUR · 3,000 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 15,177 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded26-09-2017
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
47410Retail trade
68110Buying and selling of own real estate
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.