ADVICE
ActiveSummary
ADVICE has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €108,864 and a net result of -€6,500. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 65% of 789 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▲+2
Solvency93=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity short (current ratio 0.29 against 0.12 in 2024; short-term debt: 29.5% and cash: 6.9% of total assets), and 32.3% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Employment activities (NACE 78)
about 17% fewer bankruptcies
← 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 -€6,500
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-02-2026, 72 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
72 d early
2024
163 d early
2023
68 d early
2022
52 d early
2021
43 d early
2020
42 d early
2019
65 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 72 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 30% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€108,864▼ 5.6%
2024 · €115,364
Total assets
€160,796▼ 5.2%
2024 · €169,540
Net result
-€6,500▲ 33.7%
2024 · -€9,810
Working capital
-€33,656▲ 21.6%
2024 · -€42,905
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€1,624€9,383-€9,177-€10,477▼ 14.2%-€7,141▲ 31.8%
Net result-€980€9,931-€8,532-€9,810▼ 15.0%-€6,500▲ 33.7%
Equity€123,775▼ 0.8%€133,706▲ 8.0%€125,174▼ 6.4%€115,364▼ 7.8%€108,864▼ 5.6%
Total assets€230,047▼ 8.9%€220,027▼ 4.4%€191,502▼ 13.0%€169,540▼ 11.5%€160,796▼ 5.2%
Debt€99,963▼ 17.2%€80,777▼ 19.2%€61,549▼ 23.8%€50,162▼ 18.5%€48,682▼ 2.9%
Working capital-€56,468▲ 16.6%-€48,283▲ 14.5%-€49,564▼ 2.7%-€42,905▲ 13.4%-€33,656▲ 21.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,141 in 2025 against €10,477 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160,796
Fixed assets
€147,063 ▼ 10.1%
Current assets
€13,733 ▲ 128%
Equity and liabilities €160,796
Equity
€108,864 ▼ 5.6%
Provisions
€3,249 ▼ 19.1%
Debt
€48,682 ▼ 2.9%
Debt's share of the balance-sheet total rises from 29.6% to 30.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9,317▲
2024 · €5,982
Cash flow
€9,959▲
2024 · €6,648
Current ratio
0.29▲
2024 · 0.12
Debt to equity
0.45▲
2024 · 0.43
ROE
-6.0%▲
2024 · -8.5%
ROA
-4.0%▲
2024 · -5.8%
Interest coverage
62.11▲
2024 · 46.92
Debt ≤ 1 year
€47,389▼
2024 · €48,923
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,145 | €14,839 | €15,572 | €16,458 | €16,458 | = |
| Other operating charges640/8 | - | €2,714 | €2,912 | €3,118 | €3,192 | ▲ 2.4% |
| Gross operating margin9900 | €16,077 | €26,936 | €9,307 | €9,100 | €12,509 | ▲ 37.5% |
| Operating profit (loss)9901 | -€1,624 | €9,383 | -€9,177 | -€10,477 | -€7,141 | ▲ 31.8% |
| Financial income75/76B | - | €0 | €1 | €29 | €27 | ▼ 6.7% |
| Recurring financial income75 | - | €0 | €1 | €29 | €27 | ▼ 6.7% |
| Financial charges65/66B | - | €217 | €120 | €128 | €150 | ▲ 17.6% |
| Recurring financial charges65 | €120 | €217 | €120 | €128 | €150 | ▲ 17.6% |
| Profit (loss) for the period before taxes9903 | -€1,744 | €9,166 | -€9,296 | -€10,575 | -€7,264 | ▲ 31.3% |
| Transfer from deferred taxes780 | - | €765 | €765 | €765 | €765 | = |
| Income taxes67/77 | - | - | €0 | €0 | - | - |
| Profit (loss) for the period9904 | -€980 | €9,931 | -€8,532 | -€9,810 | -€6,500 | ▲ 33.7% |
| Transfer from tax-exempt reserves789 | - | €1,784 | €1,784 | €1,784 | €1,784 | = |
| Profit (loss) for the period to be appropriated9905 | €805 | €11,715 | -€6,747 | -€8,026 | -€4,715 | ▲ 41.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €230,047 | €220,027 | €191,502 | €169,540 | €160,796 | ▼ 5.2% |
| Fixed assets21/28 | €186,663 | €187,992 | €179,980 | €163,522 | €147,063 | ▼ 10.1% |
| Tangible fixed assets22/27 | €186,663 | €187,992 | €179,980 | €163,522 | €147,063 | ▼ 10.1% |
| Land and buildings22 | - | €187,106 | €178,359 | €162,511 | €146,662 | ▼ 9.8% |
| Plant, machinery and equipment23 | - | €886 | €1,621 | €1,011 | €401 | ▼ 60.3% |
| Current assets29/58 | €43,384 | €32,035 | €11,522 | €6,018 | €13,733 | ▲ 128% |
| Amounts receivable within one year40/41 | €757 | €757 | €757 | €766 | €765 | ▼ 0.1% |
| Trade receivables40 | - | €757 | €757 | €757 | €757 | = |
| Other amounts receivable41 | - | - | - | €9 | €8 | ▼ 6.7% |
| Cash at bank and in hand54/58 | €42,091 | €30,706 | €8,932 | €3,403 | €11,089 | ▲ 226% |
| Deferred charges and accrued income490/1 | - | €573 | €1,832 | €1,850 | €1,879 | ▲ 1.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €230,047 | €220,027 | €191,502 | €169,540 | €160,796 | ▼ 5.2% |
| Equity10/15 | €123,775 | €133,706 | €125,174 | €115,364 | €108,864 | ▼ 5.6% |
| Contributions10/11 | - | €128,914 | €128,914 | €128,914 | €128,914 | = |
| Reserves13 | €21,139 | €19,355 | €17,571 | €15,786 | €14,002 | ▼ 11.3% |
| Tax-exempt reserves132 | - | €19,355 | €17,571 | €15,786 | €14,002 | ▼ 11.3% |
| Profit (loss) carried forward14 | -€26,278 | -€14,563 | -€21,310 | -€29,336 | -€34,052 | ▼ 16.1% |
| Provisions and deferred taxes16 | €6,308 | €5,544 | €4,779 | €4,014 | €3,249 | ▼ 19.1% |
| Deferred taxes168 | - | €5,544 | €4,779 | €4,014 | €3,249 | ▼ 19.1% |
| Amounts payable17/49 | €99,963 | €80,777 | €61,549 | €50,162 | €48,682 | ▼ 2.9% |
| Amounts payable within one year42/48 | €99,852 | €80,318 | €61,086 | €48,923 | €47,389 | ▼ 3.1% |
| Trade debts44 | €2,645 | - | - | - | €98 | - |
| Suppliers440/4 | - | - | - | - | €98 | - |
| Other amounts payable47/48 | - | €80,318 | €61,086 | €48,923 | €47,291 | ▼ 3.3% |
| Accrued charges and deferred income492/3 | - | €460 | €463 | €1,238 | €1,294 | ▲ 4.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€980 | €9,931 | -€8,532 | -€9,810 | -€6,500 | ▲ 33.7% |
| + Depreciation and write-downs630 | €14,145 | €14,839 | €15,572 | €16,458 | €16,458 | = |
| Operating cash flow (approximation) | €13,165 | €24,770 | €7,040 | €6,648 | €9,959 | ▲ 49.8% |
| Investment in fixed assets (approximation) | - | -€16,169 | -€7,560 | €0 | €0 | - |
| Change in cash | - | -€11,385 | -€21,773 | -€5,530 | €7,686 | ▲ 239% |
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
17-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €9,931
Net result €9,931 after one loss-making year.
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €4,780
Net result €4,780 after 2 loss-making years.
25-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
09-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Ardooie · 1 establishment unit since 1994
Ground area
1,823 m²
Building footprint
277 m²
Volume, LiDAR
1,245 m³
Parcel 36001D0087/00P000, Flanders · tallest building 8.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
ADVICE BVBA
since 19942.068.985.848
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36001D0087/00P000 | Flanders | 1,823 m² | 1 · 277 m² | 8.0 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 2,360 companies in sector 78100 we hold annual accounts for 1,363. 1,092 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
Founded13-09-1994
Fiscal year end30-09
Activities, NACEBEL 2025
78100Employment placement agencies
46190Agents in non-specialised wholesale trade
85592Vocational training
Scores and ratios are computed by Checked and are not a credit decision.