ADV-IMMO
ActiveSummary
ADV-IMMO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €13k. Equity is growing by ~28.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73=
Solvency45▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.03 in 2024; short-term debt: 20% and cash: 1.4% of total assets), and 79.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
20.4%
Return on assets
3.3%
Age of the figures
15 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
26 d late
2024
on the day
2023
on the day
2022
on the day
2021
on the day
2020
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€79k▲ 19.6%
2024 · €66k
2020: €-15klowest in 6 years
2021: €4k▲ +123% vs 2020
2022: €66k▲ +1747% vs 2021
2023: €84k▲ +27.0% vs 2022highest in 6 years
2024: €66k▼ -21.3% vs 2023
2025: €79k▲ +19.6% vs 2024
2020 → 2025
Total assets
€388k▼ 4.2%
2024 · €405k
2020: €503k
2021: €492k▼ -2.2% vs 2020
2022: €528k▲ +7.3% vs 2021highest in 6 years
2023: €442k▼ -16.3% vs 2022
2024: €405k▼ -8.3% vs 2023
2025: €388k▼ -4.2% vs 2024lowest in 6 years
2020 → 2025
Net result
€13k▼ 1.3%
2024 · €13k
2020: €-21klowest in 6 years
2021: €19k▲ +189% vs 2020
2022: €63k▲ +231% vs 2021highest in 6 years
2023: €18k▼ -71.5% vs 2022
2024: €13k▼ -26.3% vs 2023
2025: €13k▼ -1.3% vs 2024
2020 → 2025
Working capital
€-71k▲ 9.7%
2024 · €-79k
2020: €-144klowest in 6 years
2021: €-129k▲ +10.4% vs 2020
2022: €-71k▲ +45.2% vs 2021
2023: €-56k▲ +20.1% vs 2022highest in 6 years
2024: €-79k▼ -40.1% vs 2023
2025: €-71k▲ +9.7% vs 2024
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€66k▲ 1,747%€84k▲ 27.0%€66k▼ 21.3%€79k▲ 19.6%
2021: €4klowest in 5 years
2022: €66k▲ +1747% vs 2021
2023: €84k▲ +27.0% vs 2022highest in 5 years
2024: €66k▼ -21.3% vs 2023
2025: €79k▲ +19.6% vs 2024
Operating result€23k-€74k▲ 217%€22k▼ 70.7%€21k▼ 5.6%€21k▲ 2.6%
2021: €23k
2022: €74k▲ +217% vs 2021highest in 5 years
2023: €22k▼ -70.7% vs 2022
2024: €21k▼ -5.6% vs 2023lowest in 5 years
2025: €21k▲ +2.6% vs 2024
Net result€19k-€63k▲ 231%€18k▼ 71.5%€13k▼ 26.3%€13k▼ 1.3%
2021: €19k
2022: €63k▲ +231% vs 2021highest in 5 years
2023: €18k▼ -71.5% vs 2022
2024: €13k▼ -26.3% vs 2023
2025: €13k▼ -1.3% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €388k
Fixed assets
€382k ▼ 5.2%
Current assets
€6k ▲ 150%
Equity and liabilities €388k
Equity
€79k ▲ 19.6%
Debt
€309k ▼ 8.9%
Debt's share of the balance-sheet total falls from 83.7% to 79.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42k▲
2024 · €42k
Cash flow
€34k▼
2024 · €34k
Current ratio
0.08▲
2024 · 0.03
Debt to equity
3.91▼
2024 · 5.13
ROE
16.4%▼
2024 · 19.9%
ROA
3.3%▲
2024 · 3.2%
Interest coverage
12.81▲
2024 · 11.51
Debt ≤ 1 year
€78k▼
2024 · €82k
Debt > 1 year
€230k▼
2024 · €257k
Income taxes
€5k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€405k€388k▼
Fixed assets21/28€403k€382k▼
Tangible fixed assets22/27€403k€382k▼
Land and buildings22€357k€345k▼
Plant, machinery and equipment23€46k€37k▼
Current assets29/58€3k€6k▲
Amounts receivable within one year40/41€220€856▲
Trade receivables40-€856
Other amounts receivable41€220-
Cash at bank and in hand54/58€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€405k€388k▼
Equity10/15€66k€79k▲
Contributions10/11€6k€6k=
Reserves13€60k€60k=
Distributable reserves133€60k€60k=
Profit (loss) carried forward14€3€13k▲
Amounts payable17/49€339k€309k▼
Amounts payable after more than one year17€257k€230k▼
Financial debts170/4€257k€230k▼
Amounts payable within one year42/48€82k€78k▼
Current portion of amounts payable after more than one year42€26k€26k▲
Trade debts44€1k€707▼
Suppliers440/4€1k€707▼
Taxes, remuneration and social security45€4k€10k▲
Taxes450/3€4k€10k▲
Other amounts payable47/48€51k€41k▼
Accrued charges and deferred income492/3€881€908▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€43k€44k▲
Operating profit (loss)9901€21k€21k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€17k€18k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€13k€13k▼
Profit (loss) for the period to be appropriated9905€13k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€13k▼
Profit (loss) brought forward from the previous period14P€18k€3▼
Profit to be distributed694/7€31k-
Return on contributions (dividend)694€31k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21k | €21k | €21k | €21k | €21k | ▼ 1.1% |
| Other operating charges640/8 | - | €18k | €2k | €2k | €2k | ▲ 3.3% |
| Gross operating margin9900 | €45k | €114k | €45k | €43k | €44k | ▲ 0.8% |
| Operating profit (loss)9901 | €23k | €74k | €22k | €21k | €21k | ▲ 2.6% |
| Financial charges65/66B | - | €6k | €4k | €4k | €3k | ▼ 9.5% |
| Recurring financial charges65 | €5k | €6k | €4k | €4k | €3k | ▼ 9.5% |
| Profit (loss) for the period before taxes9903 | €19k | €69k | €18k | €17k | €18k | ▲ 5.2% |
| Income taxes67/77 | - | €6k | - | €4k | €5k | ▲ 27.5% |
| Profit (loss) for the period9904 | €19k | €63k | €18k | €13k | €13k | ▼ 1.3% |
| Profit (loss) for the period to be appropriated9905 | €19k | €63k | €18k | €13k | €13k | ▼ 1.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €492k | €528k | €442k | €405k | €388k | ▼ 4.2% |
| Fixed assets21/28 | €466k | €445k | €424k | €403k | €382k | ▼ 5.2% |
| Tangible fixed assets22/27 | €466k | €445k | €424k | €403k | €382k | ▼ 5.2% |
| Land and buildings22 | - | €382k | €369k | €357k | €345k | ▼ 3.4% |
| Plant, machinery and equipment23 | - | €63k | €54k | €46k | €37k | ▼ 18.7% |
| Current assets29/58 | €26k | €83k | €18k | €3k | €6k | ▲ 150% |
| Amounts receivable within one year40/41 | €24k | €80k | €10k | €220 | €856 | ▲ 288% |
| Trade receivables40 | - | - | - | - | €856 | - |
| Other amounts receivable41 | - | €80k | €10k | €220 | - | - |
| Cash at bank and in hand54/58 | €2k | €2k | €8k | €2k | €5k | ▲ 136% |
| Deferred charges and accrued income490/1 | - | €772 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €492k | €528k | €442k | €405k | €388k | ▼ 4.2% |
| Equity10/15 | €4k | €66k | €84k | €66k | €79k | ▲ 19.6% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | - | €60k | €60k | €60k | €60k | = |
| Distributable reserves133 | - | €60k | €60k | €60k | €60k | = |
| Profit (loss) carried forward14 | €-2k | €7 | €18k | €3 | €13k | ▲ 428,401% |
| Amounts payable17/49 | €489k | €462k | €358k | €339k | €309k | ▼ 8.9% |
| Amounts payable after more than one year17 | €333k | €308k | €283k | €257k | €230k | ▼ 10.2% |
| Financial debts170/4 | - | €308k | €283k | €257k | €230k | ▼ 10.2% |
| Amounts payable within one year42/48 | €155k | €154k | €75k | €82k | €78k | ▼ 4.7% |
| Current portion of amounts payable after more than one year42 | - | €25k | €26k | €26k | €26k | ▲ 1.2% |
| Trade debts44 | €14k | €2k | - | €1k | €707 | ▼ 48.7% |
| Suppliers440/4 | - | €2k | - | €1k | €707 | ▼ 48.7% |
| Taxes, remuneration and social security45 | - | €6k | - | €4k | €10k | ▲ 150% |
| Taxes450/3 | - | €6k | - | €4k | €10k | ▲ 150% |
| Other amounts payable47/48 | - | €121k | €49k | €51k | €41k | ▼ 18.2% |
| Accrued charges and deferred income492/3 | - | - | €849 | €881 | €908 | ▲ 3.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19k | €63k | €18k | €13k | €13k | ▼ 1.3% |
| + Depreciation and write-downs630 | €21k | €21k | €21k | €21k | €21k | ▼ 1.1% |
| Operating cash flow (approximation) | €40k | €84k | €39k | €34k | €34k | ▼ 1.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-106 | €6k | €-6k | €3k | ▲ 156% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 26 days late
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2020net €63k ▲231%
Operating result €74k, net result €63k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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-Truiden · 1 establishment unit since 2019
Ground area
1,553 m²
Building footprint
423 m²
Volume, LiDAR
1,030 m³
Parcel 71009D0657/00A000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
ADV-IMMO
since 20192.294.224.697
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009D0657/00A000 | Flanders | 1,552 m² | 1 · 423 m² | 8.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 7,326 companies in sector 68110 we hold annual accounts for 5,385. 3,581 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-07-2019
Fiscal year end30-06
Activities, NACEBEL 2025
68110Buying and selling of own real estate
Scores and ratios are computed by Checked and are not a credit decision.