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4Advice

Active
KBO/BCE: BE 0640.769.825
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Belgian State Gazette acts: 0 of 7 read
Age10 yrs
Real estate1 parcel · 1,889 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of 4Advice is 0.2% (very low). The 2025 annual accounts show equity of €16k and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 74% of 515 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

1 signal · with evidence
Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 11-06-2026 50 d early 2026-00151507
31-12-2024 31-07-2025 15-05-2025 77 d early 2025-00094215
31-12-2023 31-07-2024 13-05-2024 79 d early 2024-00085766
31-12-2022 31-07-2023 07-06-2023 54 d early 2023-00113102
31-12-2021 31-07-2022 31-05-2022 61 d early 2022-20037866
31-12-2020 31-07-2021 09-06-2021 52 d early 2021-18500037
31-12-2019 31-07-2020 05-05-2020 87 d early 2020-11500260
31-12-2018 31-07-2019 09-04-2020 253 d late 2020-09000265
31-12-2017 31-07-2018 31-08-2018 31 d late 2018-57500034
31-12-2016 31-07-2017 31-08-2017 31 d late 2017-54500512

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Established
Founded in 2015, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-5k+89.4%
Working capital€16k-25.8%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 11-06-2026 with the NBB · fiscal year 2025 · verkort
€-100k€-50k€0€50k€100kOperating result 2021: €106k€106kNet result 2021: €72k€72kOperating result 2022: €46k€46kNet result 2022: €31k€31kOperating result 2023: €-39k€-39kNet result 2023: €-41k€-41kOperating result 2024: €-49k€-49kNet result 2024: €-52k€-52kOperating result 2025: €-5k€-5kNet result 2025: €-5k€-5k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~49% of the level (threshold 35%). We therefore deliberately show no projection line.
€-50k€0€50k€100k2018: €-5k2019: €-1k2020: €12k2021: €84k2022: €115k2023: €73k2024: €21k2025: €16k20182019202020212022202320242025
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 72.9% 46.0%
better than 74% of 515 sector peers
Net result €-5k €55k
better than 13% of 515 sector peers
Equity €16k €216k
better than 13% of 515 sector peers
Gross operating margin €-5k €97k
better than 5% of 515 sector peers
Staff costs €-33 €139k
higher than 5% of 97 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P74
2020: P25 · n=4482021: P57 · n=5942022: P61 · n=8662023: P53 · n=11652024: P66 · n=13982025: P74 · n=5152020 2025
Improving position over 2020-2025 · n=448-1398
Net result P13
2020: P48 · n=4492021: P70 · n=5942022: P50 · n=8662023: P9 · n=11652024: P8 · n=13992025: P13 · n=5152020 2025
Weakening position over 2020-2025 · n=449-1399
Equity P13
2020: P17 · n=4492021: P41 · n=5942022: P47 · n=8662023: P38 · n=11662024: P17 · n=13992025: P13 · n=5152020 2025
Weakening position over 2020-2025 · n=449-1399
Gross operating margin P5
2020: P69 · n=4482021: P82 · n=5912022: P77 · n=8612023: P27 · n=11592024: P5 · n=13982025: P5 · n=5152020 2025
Weakening position over 2020-2025 · n=448-1398
Describes the position versus peers, not a forecast.
EBITDA
€-5k
+90.5% 18-25
Net profit
€-5k
+89.4% 18-25
Cash flow
€-5k
+89.4% 18-25
Total assets
€22k
-38.7% 18-25
Equity
€16k
-25.8% 18-25
Working capital
€16k
-25.8% 18-25
Employees (FTE)
1
0.0% 18-25
Staff costs
€-33
- 18-25
Show 10 other metrics
Income taxes
€0
- 18-25
Debt
€6k
-58.2% 18-25
Debt ≤ 1y
€6k
-58.2% 18-25
Current ratio
3.69
+46.7% 18-25
Quick ratio
3.69
+46.7% 18-25
Solvency
72.9%
+21.0% 18-25
Debt / equity
0.37
-43.7% 18-25
ROE
-34.7%
+85.8% 18-25
ROA
-25.3%
+82.8% 18-25
Interest coverage
-4.59
+75.7% 18-25
Figures by fiscal year
Fiscal year2025
Depositverkort
Revenue-
EBITDA€-5k
Net profit€-5k
Cash flow€-5k
Staff costs€-33
Income taxes-
Dividends-
Total assets€22k
Equity€16k
Debt€6k
of which ≤ 1y€6k
of which > 1y-
Working capital€16k
Employees (FTE)-
Ratios (computed)
2025
Current ratio3.69
Quick ratio3.69
Working capital ratio72.9%
Solvency72.9%
Debt / equity0.37
Long-term debt ratio-
Interest coverage-4.59
Gross margin-
Net margin-
ROA-25.3%
ROE-34.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (18 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€22k
Current assets 29/58€22k
Amounts receivable within one year 40/41€0
Cash & bank 54/58€22k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€22k
Equity 10/15€16k
Contributions / capital 10/11€24k
Accumulated profits (losses) 14€-8k
Amounts payable 17/49€6k
Amounts payable within one year 42/48€6k
Trade debts payable within one year 44€6k
Income statement
Gross operating margin 9900€-5k
Operating result 9901€-5k
Financial income 75€224
Financial charges 65€1k
Result before taxes 9903€-5k
Net result for the period 9904€-5k
Result to be appropriated 9905€-5k
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
60 / 100 Healthy
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

5 directors
7 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Historic, not recently confirmed (2)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
  • Strategy Advice BVLegal entity
    Director· perm. rep.: Jean Verheyen
    State Gazette act 20090225 (05-08-2020)
    Not recently confirmed
    last confirmed in an act from 2020
  • Elsen Bert
    Manager
    State Gazette act 16052860 (15-04-2016)
    Not recently confirmed
    last confirmed in an act from 2016
Former directors (3)
  • Dhr. Bert Elsen
    Director
    State Gazette act 20090225 (05-08-2020)
    Former
    - → 02-06-2020
  • Geert VERNIERS
    Manager
    State Gazette act 19160423 (10-12-2019)
    Former
    - → 27-11-2019
  • Feyt Bart Martina Leon
    Manager
    State Gazette act 16052860 (15-04-2016)
    Former
    - → 01-04-2016
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies(70200)
Legal form Private limited company(610)
Incorporation09-10-2015
StatusActive
Postal code3140

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
2 companies at this address See who is registered here
Parcels1
Ground area1,889 m²
Buildings1
Building footprint205 m²
Volume (LiDAR)1,287 m³
Tallest building9.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24048A0078/00R002 Flanders 1,889 m² 1 · 205 m² 9.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

7 acts
Address history · 1
12-01-2023
v3.2
All acts · 7 updated 3 months ago
2026
26-05-2026 Notarial deed · General meeting · Auditor report · Dissolution Open-capture extraction·Paul VERHAVERT
  • Filing: 2026-05-26 · 4Advice
  • Notarial deed: 2026-03-24 · 4Advice
  • Registration event: 2026-04-02 · 4Advice
  • General meeting: 2026-03-24 · 4Advice
  • Auditor report: 2026-03-19 · 4Advice
  • Dissolution: 2026-03-24 · 4Advice
  • Liquidation: 2026-03-24 · 4Advice
  • Officer discharge: 2026-03-24 · Strategy Advice
  • Permanent representative: 2026-03-24 · Verheyen Jean
  • Approval: 2026-03-24 · 4Advice
  • Publication: 2026-05-26
  • Act object: BV: Ontbinding - Vereffening
Summary: Notarial deed · General meeting · Auditor report · DissolutionNotary: Paul VERHAVERT
2023
28-12-2023 Articles of association amended Statutes amendment
Summary: v3.2
12-01-2023 Registered office moved from Mechelen to Keerbergen Registered-office change
  • Schaliënhoevedreef 20, 2800 Mechelen → Kraaiven 7, 3140 Keerbergen
Summary: v3.2
2020
05-08-2020 1 director appointed, 1 resigning Director changes
  • Jean Verheyen, Bestuurder
  • Dhr. Bert Elsen, Bestuurder
Summary: v3.2
2019
10-12-2019 Geert VERNIERS resigns as manager Director changes
  • Geert VERNIERS, Zaakvoerder
Summary: v3.2
2016
15-04-2016 1 director appointed, 1 resigning Director changes
  • Elsen Bert, Zaakvoerder
  • Feyt Bart Martina Leon, Zaakvoerder
Summary: v3.2
2015
13-10-2015 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Financial profile

5 of 5 axes measured
Health60Profitability0Solvency100Growth78Stability100
68 / 100

Strong profile, led by solvency.

All 5 axes are computed from data Checked has read.

Health 60
Profitability 0
Solvency 100
Growth 78
Stability 100

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 15,463 of the 82,127 companies in this sector. 10,843 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL 4Advice
Registered office
Kraaiven 7
3140 Keerbergen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.