5M ADVISORY
Active5M ADVISORY has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €661k and a net result of €443k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 8623 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency56▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity short (current ratio 0.69 against 0.46 in 2024; short-term debt: 35.5% and cash: 21.3% of total assets), and 68.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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 2025Solvency, return and age of the figures
Solvency
31.4%
Return on assets
21%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €661k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
15 d early
2023
64 d early
2022
40 d early
2021
47 d early
2020
36 d early
2019
115 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€443k▼ 11.4%
2024 · €500k
2018: €-4k
2019: €-29k
2020: €-4k
2021: €309k
2022: €472k
2023: €609k
2024: €500k
2018 → 2025
Working capital
€-231k▲ 31.6%
2024 · €-338k
2018: €-38k
2020: €-71k
2021: €-19k
2022: €-10k
2023: €8k
2024: €-338k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€19k▲ 199%€27k▲ 47.0%€371k▲ 1,261%€661k▲ 78.2%
Operating result€386k-€629k▲ 63.0%€853k▲ 35.6%€727k▼ 14.8%€673k▼ 7.5%
Net result€309k-€472k▲ 52.9%€609k▲ 28.9%€500k▼ 17.9%€443k▼ 11.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.11M
Fixed assets
€1.59M▼ 1.0%
Current assets
€517k▲ 79.2%
Equity and liabilities €2.11M
Equity
€661k▲ 78.2%
Debt
€1.45M▼ 5.1%
The debt ratio falls from 80.4% to 68.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€730k▼
2024 · €765k
Cash flow
€500k▼
2024 · €538k
Solvency
31.4%▲
2024 · 19.6%
Current ratio
0.69▲
2024 · 0.46
Quick ratio
0.69▲
2024 · 0.46
Debt / equity
2.19▼
2024 · 4.11
ROE
66.9%▼
2024 · 134.7%
ROA
21.0%▼
2024 · 26.3%
Interest coverage
8.96▼
2024 · 12.66
Debt
€1.45M▼
2024 · €1.53M
Debt ≤ 1 year
€748k▲
2024 · €626k
Debt > 1 year
€700k▼
2024 · €900k
Income taxes
€148k▼
2024 · €167k
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€1.90M€2.11M▲
Fixed assets21/28€1.61M€1.59M▼
Tangible fixed assets22/27€1.45M€1.41M▼
Land and buildings22€1.43M€1.40M▼
Plant, machinery and equipment23€6k€7k▲
Furniture and vehicles24€7k€4k▼
Financial fixed assets28€163k€184k▲
Current assets29/58€288k€517k▲
Amounts receivable within one year40/41€54k€57k▲
Trade receivables40€0€2k▲
Other amounts receivable41€54k€55k▲
Cash at bank and in hand54/58€213k€450k▲
Deferred charges and accrued income490/1€22k€10k▼
Equity and liabilities
Total equity and liabilities10/49€1.90M€2.11M▲
Equity10/15€371k€661k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€353k€643k▲
Amounts payable17/49€1.53M€1.45M▼
Amounts payable after more than one year17€900k€700k▼
Financial debts170/4€900k€700k▼
Amounts payable within one year42/48€626k€748k▲
Current portion of amounts payable after more than one year42€200k€200k=
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€118k€106k▼
Taxes450/3€117k€106k▼
Remuneration and social security454/9€775€600▼
Other amounts payable47/48€302k€435k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€57k▲
Other operating charges640/8€4k€4k▲
Non-recurring operating charges66A€31k€0▼
Gross operating margin9900€799k€734k▼
Operating profit (loss)9901€727k€673k▼
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€60k€81k▲
Recurring financial charges65€60k€81k▲
Profit (loss) for the period before taxes9903€667k€591k▼
Income taxes67/77€167k€148k▼
Profit (loss) for the period9904€500k€443k▼
Profit (loss) for the period to be appropriated9905€500k€443k▼
Appropriation of the result
Profit (loss) to be appropriated9906€509k€795k▲
Profit (loss) brought forward from the previous period14P€9k€353k▲
Profit to be distributed694/7€156k€153k▼
Return on contributions (dividend)694€156k€153k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (13 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
10-09
State Gazette act
Incorporation · Founding capital
Share issue · Bank account
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €500kEq €661k ▲78.2%
5 profitable years in a row build equity to €661k.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €200kEq €371k ▲1261%
4 profitable years in a row build equity to €371k.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €609k ▲28.9%
Operating result €853k, net result €609k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €309k
Net result €309k after 3 loss-making years.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 496 days late
08-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 861 days late
08-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 1226 days late
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 115 days late
2019
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Genesius-Rode · 1 establishment unit since 2014
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.
Linkebeeksedreef 511640 Sint-Genesius-RodeGround area
1,661 m²
Building footprint
174 m²
Volume, LiDAR
1,123 m³
Parcel 22552F0004/00D028, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
5M Advisory
since 20142.245.246.825
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552F0004/00D028 | Flanders | 1,661 m² | 1 · 174 m² | 8.4 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
2549006747AH1941SZ47
Similar companies · same sector, comparable size
COMMED
BE 0475.332.563
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ZEPHYR CONSULT
BE 0826.776.629
Spiere-Helkijn · Eq €661k
ESTADA
BE 0821.756.977
Edegem · Eq €661k
GIGECO
BE 0800.488.342
Brasschaat · Eq €661k
DRG CONSULTANCY
BE 0663.580.265
Stabroek · Eq €661k
Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 32,160 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2014
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47554Retail trade
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.