Advice & Management
ActiveSummary
Advice & Management has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-43k) and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 2053 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▲+80
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.41 against 0.33 in 2024; short-term debt: 177.1% and cash: 4.3% of total assets), and equity is negative.
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Signals
Six 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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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 2025Solvency, return and age of the figures
Solvency
-77.1%
Return on assets
8.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 2053 sector peers (2025).
NBB · sector comparisonPosition among 2053 sector peers
Solvency
better than 9%
← weakest
strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
1 d early
2023
28 d early
2022
33 d early
2021
18 d late
2020
1 d early
2019
20 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€-43k▲ 10.1%
2024 · €-48k
Total assets
€56k▲ 2.7%
2024 · €54k
Net result
€5k
2024 · €-66k
Working capital
€-58k▲ 14.2%
2024 · €-68k
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€18k▲ 133%€3k▼ 85.7%€-25k€-65k▼ 156%€6k
Net result€11k▲ 222%€902▼ 91.8%€-26k€-66k▼ 155%€5k
Equity€43k▲ 34.3%€44k▲ 2.1%€18k▼ 58.7%€-48k€-43k▲ 10.1%
Total assets€70k▲ 37.4%€65k▼ 6.8%€44k▼ 32.0%€54k▲ 21.9%€56k▲ 2.7%
Debt€27k▲ 42.5%€21k▼ 21.1%€26k▲ 23.1%€102k▲ 287%€99k▼ 3.3%
Working capital€40k▲ 56.6%€36k▼ 9.6%€-9k€-68k▼ 692%€-58k▲ 14.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €6k after a loss of €65k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56k
Fixed assets
€15k ▼ 23.8%
Current assets
€40k ▲ 18.4%
Key figures and ratios
EBITDA
€13k▲
2024 · €-58k
Cash flow
€12k▲
2024 · €-59k
Solvency
-77.1%▲
2024 · -88.0%
Current ratio
0.41▲
2024 · 0.33
Debt to equity
-2.30▼
2024 · -2.14
ROA
8.7%▲
2024 · -121.5%
Interest coverage
13.95▲
2024 · -82.38
Debt ≤ 1 year
€99k▼
2024 · €102k
Income taxes
€129▼
2024 · €140
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 | €4k | €3k | €4k | €7k | €7k | ▲ 4.6% |
| Other operating charges640/8 | €1k | €670 | €749 | €892 | €2k | ▲ 115% |
| Gross operating margin9900 | €23k | €6k | €-20k | €-58k | €15k | ▲ 125% |
| Operating profit (loss)9901 | €18k | €3k | €-25k | €-65k | €6k | ▲ 109% |
| Financial income75/76B | €4 | €32 | €7 | €1 | €18 | ▲ 1,444% |
| Recurring financial income75 | €4 | €32 | €7 | €1 | €18 | ▲ 1,444% |
| Financial charges65/66B | €2k | €1k | €310 | €709 | €909 | ▲ 28.1% |
| Recurring financial charges65 | €2k | €1k | €310 | €709 | €909 | ▲ 28.1% |
| Profit (loss) for the period before taxes9903 | €16k | €1k | €-26k | €-66k | €5k | ▲ 108% |
| Income taxes67/77 | €5k | €569 | €132 | €140 | €129 | ▼ 7.6% |
| Profit (loss) for the period9904 | €11k | €902 | €-26k | €-66k | €5k | ▲ 107% |
| Profit (loss) for the period to be appropriated9905 | €11k | €902 | €-26k | €-66k | €5k | ▲ 107% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €70k | €65k | €44k | €54k | €56k | ▲ 2.7% |
| Formation expenses20 | €18 | - | - | - | - | - |
| Fixed assets21/28 | €3k | €8k | €27k | €20k | €15k | ▼ 23.8% |
| Intangible fixed assets21 | - | €7k | €21k | €16k | €13k | ▼ 18.2% |
| Tangible fixed assets22/27 | €3k | €931 | €6k | €4k | €2k | ▼ 47.9% |
| Furniture and vehicles24 | - | - | €6k | €4k | €2k | ▼ 47.9% |
| Other tangible fixed assets26 | €3k | €931 | €0 | - | - | - |
| Current assets29/58 | €67k | €57k | €18k | €34k | €40k | ▲ 18.4% |
| Amounts receivable within one year40/41 | €19k | €26k | €8k | €27k | €31k | ▲ 14.9% |
| Trade receivables40 | €18k | €21k | €4k | €27k | €31k | ▲ 14.9% |
| Other amounts receivable41 | €348 | €4k | €4k | €0 | - | - |
| Cash at bank and in hand54/58 | €44k | €28k | €1k | €15 | €2k | ▲ 15,721% |
| Deferred charges and accrued income490/1 | €4k | €4k | €9k | €7k | €7k | ▼ 2.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €70k | €65k | €44k | €54k | €56k | ▲ 2.7% |
| Equity10/15 | €43k | €44k | €18k | €-48k | €-43k | ▲ 10.1% |
| Contributions10/11 | €20k | €20k | €19k | €19k | €19k | = |
| Reserves13 | €20k | €20k | €22k | €22k | €22k | = |
| Non-distributable reserves130/1 | - | - | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | - | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | €9k | €9k | €9k | €9k | €9k | = |
| Distributable reserves133 | €11k | €11k | €11k | €11k | €11k | = |
| Profit (loss) carried forward14 | €3k | €3k | €-22k | €-88k | €-83k | ▲ 5.5% |
| Amounts payable17/49 | €27k | €21k | €26k | €102k | €99k | ▼ 3.3% |
| Amounts payable within one year42/48 | €27k | €21k | €26k | €102k | €99k | ▼ 3.3% |
| Financial debts43 | - | - | - | €6k | €4k | ▼ 30.8% |
| Credit institutions430/8 | - | - | - | €6k | €4k | ▼ 30.8% |
| Trade debts44 | €5k | €2k | €7k | €0 | €8k | - |
| Suppliers440/4 | €5k | €2k | €7k | €0 | €8k | - |
| Taxes, remuneration and social security45 | €22k | €19k | €10k | €12k | €5k | ▼ 57.2% |
| Taxes450/3 | €22k | €19k | €10k | €9k | €5k | ▼ 45.7% |
| Remuneration and social security454/9 | - | - | - | €3k | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | €10k | €84k | €81k | ▼ 3.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11k | €902 | €-26k | €-66k | €5k | ▲ 107% |
| + Depreciation and write-downs630 | €4k | €3k | €4k | €7k | €7k | ▲ 4.6% |
| Operating cash flow (approximation) | €15k | €4k | €-22k | €-59k | €12k | ▲ 120% |
| Investment in fixed assets (approximation) | - | €-8k | €-23k | €0 | €-2k | - |
| Change in cash | - | €-16k | €-27k | €-1k | €2k | ▲ 340% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-66k
Net result drops to €-66k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
06-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 6 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Mont-Saint-Guibert · 1 establishment unit since 2003
Ground area
3,113 m²
Building footprint
212 m²
Volume, LiDAR
1,927 m³
Parcel 25068B0224/00K000, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Rue Saint-Jean 29, 1435 Mont-Saint-Guibert
since 20032.132.622.006
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25068B0224/00K000 | Wallonia | 3,113 m² | 1 · 212 m² | 11.7 m · 3 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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MADAME PLAIE
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LAURENT MOOR
BE 0765.383.547
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Carrefour
BE 0452.918.536
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Of 3,019 companies in sector 85592 we hold annual accounts for 988. 564 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
Founded07-08-2003
Fiscal year end31-12
Activities, NACEBEL 2025
85592Vocational training
Contact
E-mail
gerald@advice-management.eu
Scores and ratios are computed by Checked and are not a credit decision.