ADSERE CONSULT
ActiveADSERE CONSULT has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €428k and a net result of €22k. Equity is growing by ~30.8% per year across the filed fiscal years. Its solvency ranks better than 77% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-22
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 5.32 against 8.56 in 2024), and 19.9% 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+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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
80.1%
Return on assets
4.2%
Age of the figures
8 mo
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 20-07-2026, 11 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
11 d early
2024
23 d early
2023
36 d early
2022
109 d late
2021
37 d early
2020
11 d late
2019
28 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€428k▲ 5.5%
2024 · €405k
2019: €93k
2020: €138k
2021: €191k
2022: €335k
2023: €367k
2024: €405k
2019 → 2025
Total assets
€534k▲ 12.9%
2024 · €473k
2019: €103k
2020: €163k
2021: €211k
2022: €462k
2023: €551k
2024: €473k
2019 → 2025
Net result
€22k▼ 42.4%
2024 · €39k
2019: €80k
2020: €46k
2021: €47k
2022: €144k
2023: €32k
2024: €39k
2019 → 2025
Working capital
€434k▲ 4.5%
2024 · €415k
2019: €83k
2020: €111k
2021: €160k
2022: €309k
2023: €361k
2024: €415k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€191k-€335k▲ 75.3%€367k▲ 9.4%€405k▲ 10.6%€428k▲ 5.5%
Operating result€62k-€205k▲ 232%€49k▼ 76.3%€61k▲ 25.3%€28k▼ 53.6%
Net result€47k-€144k▲ 209%€32k▼ 78.1%€39k▲ 22.9%€22k▼ 42.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €534k
Equity
€428k▲ 5.5%
Debt
€106k▲ 57.3%
The debt ratio rises from 14.3% to 19.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€32k▼
2024 · €69k
Cash flow
€26k▼
2024 · €47k
Solvency
80.1%▼
2024 · 85.7%
Current ratio
5.32▼
2024 · 8.56
Quick ratio
5.32▼
2024 · 8.56
Debt / equity
0.25▲
2024 · 0.17
ROE
5.2%▼
2024 · 9.6%
ROA
4.2%▼
2024 · 8.2%
Interest coverage
6.20▼
2024 · 9.61
Debt
€106k▲
2024 · €68k
Debt ≤ 1 year
€100k▲
2024 · €55k
Income taxes
€9k▼
2024 · €15k
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€473k€534k▲
Fixed assets21/28€3k-
Intangible fixed assets21€3k-
Tangible fixed assets22/27€396-
Furniture and vehicles24€396-
Current assets29/58€470k€534k▲
Amounts receivable within one year40/41€108k€142k▲
Trade receivables40€98k€114k▲
Other amounts receivable41€10k€29k▲
Current investments50/53€250k-
Cash at bank and in hand54/58€112k€391k▲
Deferred charges and accrued income490/1€181€187▲
Equity and liabilities
Total equity and liabilities10/49€473k€534k▲
Equity10/15€405k€428k▲
Contributions10/11€19k€19k=
Reserves13€279k€300k▲
Distributable reserves133€279k€300k▲
Profit (loss) carried forward14€108k€109k▲
Amounts payable17/49€68k€106k▲
Amounts payable within one year42/48€55k€100k▲
Trade debts44€12k€11k▼
Suppliers440/4€12k€11k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Other amounts payable47/48€38k€84k▲
Accrued charges and deferred income492/3€13k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€3k▼
Other operating charges640/8€387€819▲
Gross operating margin9900€70k€32k▼
Operating profit (loss)9901€61k€28k▼
Financial income75/76B-€8k
Recurring financial income75-€8k
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€54k€31k▼
Income taxes67/77€15k€9k▼
Profit (loss) for the period9904€39k€22k▼
Profit (loss) for the period to be appropriated9905€39k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€146k€130k▼
Profit (loss) brought forward from the previous period14P€107k€108k▲
Transfer to equity691/2€38k€21k▼
To other reserves6921€38k€21k▼
The notes to these accounts (7 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €22k ▼42.4%
Net result drops to €22k, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 8.56
Current ratio from 3.02 to 8.56; short-term debt falls from €179k to €55k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 109 days late
2022
31-12
Financial
Highest result since 2019net €144k ▲209%
Operating result €205k, net result €144k, both a record.
31-12
Financial
Equity above €200kEq €335k ▲75.3%
4 profitable years in a row build equity to €335k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €191k ▲38.1%
3 profitable years in a row build equity to €191k.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Equity above €100kEq €138k ▲49.3%
2 profitable years in a row build equity to €138k.
03-07
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
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 2019
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.
Vrijwilligerslaan 3291150 Sint-Pieters-WoluweGround area
262 m²
Building footprint
57 m²
Volume, LiDAR
556 m³
Parcel 21684B0068/00N006, Brussels · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ADSERE CONSULT
since 20192.285.702.852
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0068/00N006 | Brussels | 262 m² | 1 · 57 m² | 13.0 m · 3 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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ADVOCAAT TOM GEUDENS
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Legiant
BE 1003.368.196
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KH-Advocaten
BE 0733.685.828
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VANHORENBEEK-VAES
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Of 22,019 companies in sector 69101 we hold annual accounts for 9,028. 6,180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2019
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.