ADVICE 5
ActiveThe file of ADVICE 5 contains 2 historical bankruptcy publications, as published in the Belgian State Gazette. For ADVICE 5, at least two filing cycles of the annual accounts are missing. The computed 12-month bankruptcy probability is 12.7% (high). The 2023 annual accounts show equity of €78k and a net result of €-14k. Equity is growing by ~50.3% per year across the filed fiscal years. Its solvency ranks better than 32% of 709 sector peers (fiscal year 2023).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: High
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability15▼-85
Solvency40▼-17
Growth52▼-26
Track record85
Bankruptcy probability, 12 months
12.7%
High
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 53
Relative position
BE, all sectors
reference
Sector 53
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
15%
Return on assets
-2.8%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 3 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline17-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-06-2024, 32 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
32 d early
2022
61 d late
2021
53 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€78k▼ 15.7%
2022 · €92k
2021: €-532
2022: €92k
2021 → 2023
Total assets
€518k▲ 79.5%
2022 · €289k
2021: €228k
2022: €289k
2021 → 2023
Net result
€-14k
2022 · €93k
2021: €-6k
2022: €93k
2021 → 2023
Working capital
€76k▼ 14.4%
2022 · €89k
2021: €-2k
2022: €89k
2021 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202120222023Trend
Equity€-532-€92k€78k▼ 15.7%
Operating result€-5k-€122k€-13k
Net result€-6k-€93k€-14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €13k after €122k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €518k
Fixed assets
€2k▼ 49.0%
Current assets
€516k▲ 80.9%
Equity and liabilities €518k
Equity
€78k▼ 15.7%
Debt
€440k▲ 124%
The debt ratio rises from 68.1% to 85.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-11k▼
2022 · €123k
Cash flow
€-13k▼
2022 · €93k
Solvency
15.0%▼
2022 · 31.9%
Current ratio
1.17▼
2022 · 1.45
Quick ratio
1.17▼
2022 · 1.45
Debt / equity
5.67▲
2022 · 2.13
ROE
-18.6%▼
2022 · 100.6%
ROA
-2.8%▼
2022 · 32.1%
Interest coverage
-5.26▼
2022 · 138.75
Debt
€440k▲
2022 · €196k
Debt ≤ 1 year
€440k▲
2022 · €196k
Staff costs
€136k▲
2022 · €52k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€289k€518k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€285k€516k▲
Amounts receivable within one year40/41€248k€492k▲
Trade receivables40€242k€479k▲
Other amounts receivable41€5k€14k▲
Cash at bank and in hand54/58€37k€24k▼
Deferred charges and accrued income490/1€275-
Equity and liabilities
Total equity and liabilities10/49€289k€518k▲
Equity10/15€92k€78k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€87k€73k▼
Amounts payable17/49€196k€440k▲
Amounts payable within one year42/48€196k€440k▲
Trade debts44€73k€222k▲
Suppliers440/4€73k€222k▲
Advances received on contracts in progress46-€87k
Taxes, remuneration and social security45€100k€131k▲
Taxes450/3€84k€77k▼
Remuneration and social security454/9€16k€53k▲
Other amounts payable47/48€24k-
Income statement
Code20222023
Non-recurring operating income76A-€13k
Remuneration, social security and pensions62€52k€136k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€839€2k▲
Other operating charges640/8€3k€11k▲
Gross operating margin9900€178k€136k▼
Operating profit (loss)9901€122k€-13k▼
Financial income75/76B€73€415▲
Recurring financial income75€73€415▲
Financial charges65/66B€888€2k▲
Recurring financial charges65€888€2k▲
Profit (loss) for the period before taxes9903€122k€-14k▼
Income taxes67/77€29k-
Profit (loss) for the period9904€93k€-14k▼
Profit (loss) for the period to be appropriated9905€93k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€73k▼
Profit (loss) brought forward from the previous period14P€-6k€87k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
28-06
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Brussel · ADVICE 5 BV RANSBEEKSTRAAT 230, 1120 NEDER-OVER-HEEMBEEK · event 21-06-2024
15-04
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · ADVICE 5 BV RANSBEEK- STRAAT 230, 1120 NEDER-OVER-HEEMBEEK · event 09-04-2024
2023
31-12
Financial
Weakest financial yearnet €-14k ▼116%
Net result drops to €-14k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Back to profitnet €93k
Net result €93k after one loss-making year.
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 53 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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 2020
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.
Meiersplein 41150 Sint-Pieters-WoluweGround area
1.7 ha
Building footprint
3,701 m²
Volume, LiDAR
41,221 m³
2 parcels, Brussels · tallest building 22.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
ADVICE 5
since 20202.306.087.896
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819B0053/00K002 | Brussels | 1.5 ha | 1 · 1,046 m² | 22.1 m · 5 fl. |
| 21019A0101/00N000 | Brussels | 2,839 m² | 1 · 2,655 m² | 18.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | WINNY TIRMARCHE A. DE COCKPLEIN 9,
1831 DIEGEM |
09-04-2024 → present |
Similar companies · same sector, comparable size
NISO KOERIERDIENST
BE 0478.217.225
Beerse · Eq €78k
Ce & Ci Trans
BE 0547.930.333
Zele · Eq €78k
A.S.T LOGISTICS
BE 0777.931.189
Antwerpen · Eq €77k
OYO TRANS
BE 1004.465.484
Hasselt · Eq €78k
GAUTHIER
BE 0860.810.563
Ukkel · Eq €77k
Of 4,908 companies in sector 53200 we hold annual accounts for 1,329. 1,074 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2020
Fiscal year end31-12
Activities, NACEBEL
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@advice5.be
E-mail:maisdit@hotmail.com