AB Fin Advisory
ActiveAB Fin Advisory has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €240k and a net result of €15k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 22% of 9517 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability48▼-23
Solvency39▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 2.02 in 2023; short-term debt: 7.6% and cash: 10.6% of total assets), but 86.5% 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 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 9517 sector peers (2024).
NBB · sector comparisonPosition among 9517 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-06-2025, 58 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
58 d early
2023
33 d early
2022
42 d early
2021
105 d early
2020
31 d early
2019
80 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€240k▼ 2.2%
2023 · €245k
2018: €34k
2019: €105k
2020: €177k
2021: €262k
2022: €249k
2023: €245k
2018 → 2024
Total assets
€1.77M▼ 9.4%
2023 · €1.96M
2018: €66k
2019: €152k
2020: €278k
2021: €334k
2022: €1.30M
2023: €1.96M
2018 → 2024
Net result
€15k▼ 49.5%
2023 · €30k
2018: €27k
2019: €71k
2020: €72k
2021: €85k
2022: €74k
2023: €30k
2018 → 2024
Working capital
€147k▼ 39.1%
2023 · €241k
2018: €16k
2019: €90k
2020: €166k
2021: €202k
2022: €92k
2023: €241k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€177k-€262k▲ 48.3%€249k▼ 5.1%€245k▼ 1.3%€240k▼ 2.2%
Operating result€93k-€109k▲ 17.0%€94k▼ 13.2%€47k▼ 50.5%€49k▲ 4.6%
Net result€72k-€85k▲ 18.4%€74k▼ 13.2%€30k▼ 59.9%€15k▼ 49.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 5% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.77M
Fixed assets
€1.49M▲ 0.8%
Current assets
€282k▼ 41.0%
Equity and liabilities €1.77M
Equity
€240k▼ 2.2%
Debt
€1.53M▼ 10.4%
The debt ratio falls from 87.5% to 86.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€112k▲
2023 · €84k
Cash flow
€78k▲
2023 · €67k
Solvency
13.5%▲
2023 · 12.5%
Current ratio
2.09▲
2023 · 2.02
Quick ratio
2.09▲
2023 · 2.02
Debt / equity
6.39▼
2023 · 6.98
ROE
6.3%▼
2023 · 12.1%
ROA
0.8%▼
2023 · 1.5%
Interest coverage
3.36▼
2023 · 9.33
Debt
€1.53M▼
2023 · €1.71M
Debt ≤ 1 year
€135k▼
2023 · €236k
Debt > 1 year
€1.40M▼
2023 · €1.48M
Income taxes
€6k▼
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.96M€1.77M▼
Fixed assets21/28€1.48M€1.49M▲
Tangible fixed assets22/27€1.48M€1.49M▲
Land and buildings22€1.37M€1.39M▲
Furniture and vehicles24€113k€101k▼
Assets under construction and advance payments27€0€0=
Financial fixed assets28€0€0=
Current assets29/58€477k€282k▼
Amounts receivable within one year40/41€106k€46k▼
Trade receivables40€74k€25k▼
Other amounts receivable41€31k€20k▼
Current investments50/53€20k€20k=
Cash at bank and in hand54/58€348k€188k▼
Deferred charges and accrued income490/1€4k€27k▲
Equity and liabilities
Total equity and liabilities10/49€1.96M€1.77M▼
Equity10/15€245k€240k▼
Contributions10/11€19k€19k=
Reserves13€227k€209k▼
Distributable reserves133€227k€209k▼
Profit (loss) carried forward14€0€0=
Investment grants15-€13k
Amounts payable17/49€1.71M€1.53M▼
Amounts payable after more than one year17€1.48M€1.40M▼
Financial debts170/4€1.48M€1.40M▼
Amounts payable within one year42/48€236k€135k▼
Current portion of amounts payable after more than one year42€76k€78k▲
Trade debts44€109k€23k▼
Suppliers440/4€109k€23k▼
Advances received on contracts in progress46€9k€0▼
Taxes, remuneration and social security45€9k€1k▼
Taxes450/3€9k€1k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€33k€33k▲
Accrued charges and deferred income492/3€70€184▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€63k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€61k€41k▼
Other operating charges640/8€65€446▲
Gross operating margin9900€145k€153k▲
Operating profit (loss)9901€47k€49k▲
Financial income75/76B€1k€5k▲
Recurring financial income75€1k€5k▲
Financial charges65/66B€9k€33k▲
Recurring financial charges65€9k€33k▲
Profit (loss) for the period before taxes9903€39k€21k▼
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€30k€15k▼
Profit (loss) for the period to be appropriated9905€30k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€15k▼
Transfer from equity791/2€3k€18k▲
Profit to be distributed694/7€33k€33k=
Return on contributions (dividend)694€33k€33k=
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €15k ▼49.5%
Net result drops to €15k, the lowest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €85k ▲18.4%
Operating result €109k, net result €85k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.60
Current ratio from 2.75 to 5.60; short-term debt falls from €95k to €44k.
31-12
Financial
Equity above €200kEq €262k ▲48.3%
4 profitable years in a row build equity to €262k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €177k ▲69%
3 profitable years in a row build equity to €177k.
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €105k ▲210%
2 profitable years in a row build equity to €105k.
20-06
State Gazette act
Board meeting · Power of attorney
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
09-01
State Gazette act
Board meeting · Power of attorney
2018
18-07
State Gazette act
Decision · Power of attorney
18-07
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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-Pieters-Woluwe · 1 establishment unit since 2017
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.
Snippendal 271150 Sint-Pieters-WoluweGround area
1,108 m²
Building footprint
189 m²
Volume, LiDAR
2,582 m³
Parcel 21682C0180/00W011, Brussels · tallest building 24.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
AB Fin Advisory
since 20172.268.847.816
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0180/00W011 | Brussels | 1,108 m² | 1 · 189 m² | 24.3 m · 5 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.
Structure & network
Ownership & control
1 partyAB Fin AdvisoryBE 0682.469.729
controls
Where this company holds controlthis company sits on their board1
11 locations
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 6,765 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2017
Fiscal year end31-12
Trade name NL
AB PM Advisory
Activities, NACEBEL
82990Other business support services
41001General construction of residential buildings
62900Other information technology and computer services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:arnaud.boes@gmail.com