A & L ADVISORY
ActiveA & L ADVISORY has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €462k and a net result of €-115k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 23% of 2262 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▲+1
Solvency36▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.05 against 0.03 in 2024; short-term debt: 44.6% and cash: 0.1% of total assets), and 88.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-115k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2262 sector peers (2025).
NBB · sector comparisonPosition among 2262 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
31 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
61 d late
2019
90 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
16-09-2026 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
€-115k▲ 6.9%
2024 · €-124k
2018: €-11k
2019: €107k
2020: €34k
2021: €131k
2022: €101k
2023: €20k
2024: €-124k
2018 → 2025
Working capital
€-1.73M▲ 2.2%
2024 · €-1.76M
2018: €4k
2019: €-138k
2020: €-2.19M
2021: €-2.57M
2022: €-1.08M
2023: €-1.34M
2024: €-1.76M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€279k-€680k▲ 143%€700k▲ 2.9%€577k▼ 17.6%€462k▼ 19.9%
Operating result€219k-€177k▼ 19.3%€100k▼ 43.3%€-33k€-30k▲ 9.7%
Net result€131k-€101k▼ 22.9%€20k▼ 80.4%€-124k€-115k▲ 6.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €30k in 2025 against €33k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.06M
Fixed assets
€3.97M▼ 2.0%
Current assets
€82k▲ 34.0%
Equity and liabilities €4.06M
Equity
€462k▼ 19.9%
Debt
€3.60M▲ 1.6%
The debt ratio rises from 86.0% to 88.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€49k▲
2024 · €40k
Cash flow
€-37k▲
2024 · €-51k
Solvency
11.4%▼
2024 · 14.0%
Current ratio
0.05▲
2024 · 0.03
Quick ratio
0.05▲
2024 · 0.03
Debt / equity
7.79▲
2024 · 6.14
ROE
-24.9%▼
2024 · -21.4%
ROA
-2.8%▲
2024 · -3.0%
Interest coverage
0.54▲
2024 · 0.44
Debt
€3.60M▲
2024 · €3.54M
Debt ≤ 1 year
€1.81M▼
2024 · €1.83M
Debt > 1 year
€1.50M▼
2024 · €1.52M
Income taxes
€1k▲
2024 · €590
Staff costs
€38k▲
2024 · €35k
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€4.12M€4.06M▼
Fixed assets21/28€4.06M€3.97M▼
Tangible fixed assets22/27€4.05M€3.97M▼
Land and buildings22€3.60M€3.55M▼
Plant, machinery and equipment23-€427
Furniture and vehicles24€81k€55k▼
Assets under construction and advance payments27€373k€373k=
Financial fixed assets28€905€905=
Current assets29/58€61k€82k▲
Amounts receivable within one year40/41€47k€65k▲
Trade receivables40€3k€46k▲
Other amounts receivable41€44k€19k▼
Cash at bank and in hand54/58€2k€6k▲
Deferred charges and accrued income490/1€12k€10k▼
Equity and liabilities
Total equity and liabilities10/49€4.12M€4.06M▼
Equity10/15€577k€462k▼
Contributions10/11€319k€319k=
Reserves13€132k€78k▼
Tax-exempt reserves132€55k-
Distributable reserves133€78k€78k=
Profit (loss) carried forward14€126k€65k▼
Amounts payable17/49€3.54M€3.60M▲
Amounts payable after more than one year17€1.52M€1.50M▼
Financial debts170/4€1.52M€1.50M▼
Amounts payable within one year42/48€1.83M€1.81M▼
Current portion of amounts payable after more than one year42€34k€14k▼
Trade debts44€28k€29k▲
Suppliers440/4€28k€29k▲
Taxes, remuneration and social security45€5k€15k▲
Taxes450/3€803€8k▲
Remuneration and social security454/9€4k€7k▲
Other amounts payable47/48€1.76M€1.75M▼
Accrued charges and deferred income492/3€196k€283k▲
Income statement
Code20242025
Remuneration, social security and pensions62€35k€38k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€72k€78k▲
Other operating charges640/8€6k€26k▲
Gross operating margin9900€81k€112k▲
Operating profit (loss)9901€-33k€-30k▲
Financial income75/76B€951€6k▲
Recurring financial income75€951€6k▲
Financial charges65/66B€91k€90k▼
Recurring financial charges65€91k€90k▼
Profit (loss) for the period before taxes9903€-123k€-114k▲
Income taxes67/77€590€1k▲
Profit (loss) for the period9904€-124k€-115k▲
Transfer from tax-exempt reserves789€76k€55k▼
Profit (loss) for the period to be appropriated9905€-48k€-60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€201k€65k▼
Profit (loss) brought forward from the previous period14P€249k€126k▼
Transfer to equity691/2€76k-
To other reserves6921€76k-
Social balance
Average headcount (FTE)9087-1.0
The notes to these accounts (12 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-124k ▼725%
Net result drops to €-124k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Equity above €500kEq €680k ▲143%
4 profitable years in a row build equity to €680k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €131k ▲288%
Operating result €219k, net result €131k, both a record.
31-12
Financial
Equity above €200kEq €279k ▲87.9%
3 profitable years in a row build equity to €279k.
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 90 days late
2019
31-12
Financial
Back to profitnet €107k
Net result €107k after one loss-making year.
31-12
Financial
Equity above €100kEq €115k ▲1360%
Equity rises from €8k to €115k.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 14 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
26-10
State Gazette act
Incorporation · Founding capital
Bank account · Corporate purpose
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kraainem · 1 establishment unit since 2016
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.
Jagerslaan 421950 KraainemGround area
111 m²
Building footprint
111 m²
Volume, LiDAR
612 m³
Parcel 22002C0075/00M005, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A & L ADVISORY
since 20162.249.025.964
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22002C0075/00M005 | Flanders | 111 m² | 1 · 111 m² | 10.6 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.
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PRIVANOT
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 35,282 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2015
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.