Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of ADVICE ME is 0.5% (low). The 2024 annual accounts show equity of €15k and a net result of €62k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-06-2025, 130 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-03. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-03-2025, that is 31-10-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-03-2025 | 31-10-2025 | 23-06-2025 | 130 d early | 2025-00161953 |
| 31-03-2024 | 31-10-2024 | 26-06-2024 | 127 d early | 2024-00164529 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.5%
Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€62k
Working capital€32k
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 23-06-2025 with the NBB · fiscal year 2025 · micro
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €72k |
| Net profit | €62k |
| Cash flow | €67k |
| Staff costs | €29k |
| Income taxes | €3k |
| Dividends | - |
| Total assets | €163k |
| Equity | €15k |
| Debt | €147k |
| of which ≤ 1y | €85k |
| of which > 1y | €62k |
| Working capital | €32k |
| Employees (FTE) | 1.0 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.38 |
| Quick ratio | 1.38 |
| Working capital ratio | 19.8% |
| Solvency | 9.5% |
| Debt / equity | 9.53 |
| Long-term debt ratio | 4.03 |
| Interest coverage | 53.44 |
| Gross margin | - |
| Net margin | - |
| ROA | 37.9% |
| ROE | 398.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €163k |
| Fixed assets | 21/28 | €45k |
| Intangible fixed assets | 21 | €45k |
| Tangible fixed assets | 22/27 | €646 |
| Financial fixed assets | 28 | €205 |
| Current assets | 29/58 | €117k |
| Amounts receivable within one year | 40/41 | €36k |
| Cash & bank | 54/58 | €74k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €163k |
| Equity | 10/15 | €15k |
| Contributions / capital | 10/11 | €6k |
| Accumulated profits (losses) | 14 | €9k |
| Amounts payable | 17/49 | €147k |
| Amounts payable after one year | 17 | €62k |
| Amounts payable within one year | 42/48 | €85k |
| Trade debts payable within one year | 44 | €9k |
| Income statement | ||
| Gross operating margin | 9900 | €101k |
| Operating result | 9901 | €66k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €65k |
| Income taxes | 67/77 | €3k |
| Net result for the period | 9904 | €62k |
| Result to be appropriated | 9905 | €62k |
Ratios computed by Checked.
Health barometer
FY 2024 · computed68
/ 100
Healthy
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
1 directorCurrent directors & mandates
-
Mélanie PisvinDirectorState Gazette act 23094028 (20-07-2023)Current29-06-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van (gecertificeerde) (fiscaal) accountants(69201) |
| Legal form | Private limited company(610) |
| Incorporation | 16-05-2023 |
| Status | Active |
| Postal code | 5101 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Avenue des Dessus de Lives(LO) 25101 NamurEstablishment units
1 locationADVICE ME
since 20232.345.167.218
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,634 m²
Buildings1
Building footprint1,021 m²
Volume (LiDAR)15,069 m³
Tallest building18.2 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92078A0002/02G002 | Wallonia | 2,634 m² | 1 · 1,021 m² | 18.2 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Company purpose
Nouvel objet social adopté
Per act of 22-04-2026
Capital history · 1
22-04-2026
Capital conversion: amount: 198373.0, currency: EUR, description: capital et réserve légale convertis en capitaux propres statutairement indisponibles puis disponibles
Address history · 2
22-04-2026
Registered seat: Région Wallonne
19-07-2024
Registered-office move
All acts · 3
updated 3 months ago
2026
22-04-2026 Notarial deed · Act object · General meeting · Incorporation
- Filing: 2026-04-20 · PIERLY
- Publication: 2026-04-22 · PIERLY
- Notarial deed: 2026-03-19 · PIERLY
- Act object: OBJET, STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS), DIVERS, CAPITAL, ACTIONS, ASSEMBLEE GENERALE, MODIFICATION FORME JURIDIQUE · PIERLY
- General meeting: 2026-03-19 · PIERLY
- Incorporation: 1990-07-30 · PIERLY
- Statute amendment: 2014-07-22 · PIERLY
- Auditor contribution report: 2026-03-12 · PIERLY
- Auditor contribution report: 2026-03-12 · PIERLY
- Legal form: to: Société à responsabilité limitée, from: Société anonyme · PIERLY
- Accounting effect: 2025-12-31 · PIERLY
- Registered seat: Région Wallonne · PIERLY
- Capital conversion: amount: 198373.0, currency: EUR, description: capital et réserve légale convertis en capitaux propres statutairement indisponibles puis disponibles · PIERLY
- Share distribution: class: A, count: 186, range: 1 à 186 · PIERLY
- Share distribution: class: A, count: 186, range: 187 à 372 · PIERLY
- Share distribution: class: B, count: 1106, range: 373 à 1478 · PIERLY
- Share distribution: class: B, count: 1106, range: 1479 à 2584 · PIERLY
- Share distribution: class: B, count: 1106, range: 2585 à 3690 · PIERLY
- Purpose: Nouvel objet social adopté · PIERLY
- Officer resignation: 2026-03-19 · Caramel Consulting
- Officer resignation: 2026-03-19 · PIETERS Raphaël
- Officer resignation: 2026-03-19 · Baronne de VINCK Carine
- Officer discharge: 2026-03-19 · Caramel Consulting
- Officer discharge: 2026-03-19 · PIETERS Raphaël
- Officer discharge: 2026-03-19 · Baronne de VINCK Carine
- Officer appointment: role: administrateur statutaire, term: durée indéterminée · PIETERS Raphaël
- Officer appointment: role: administrateur statutaire, term: durée indéterminée · Baronne de VINCK Carine
- Mandate compensation: rémunéré · PIETERS Raphaël
- Mandate compensation: rémunéré · Baronne de VINCK Carine
- Representation rule: seul · PIETERS Raphaël
- Representation rule: seul · Baronne de VINCK Carine
- Auditor waiver: non tenu · PIERLY
- Statute amendment: adoption nouveaux statuts CSA · PIERLY
- Power of attorney: exécution des résolutions · PIETERS Raphaël
- Power of attorney: exécution des résolutions · Baronne de VINCK Carine
- Annual meeting schedule: troisième jeudi du mois de juin à 20 h · PIERLY
- First fiscal year: 01-01 to 31-12 · PIERLY
Summary:
Notarial deed · Act object · General meeting · Incorporation
2024
19-07-2024 Registered office moved from Chaumont-Gistoux to Loyers
- Chaussée de Huy 368 - 1325 Chaumont-Gistoux - Belgiquе → Avenue des Dessus-de-Lives 2 à 5101 Loyers
2023
20-07-2023 Mélanie Pisvin appointed as director
- Mélanie Pisvin, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axes68
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
68
Profitability
100
Solvency
26
Growth
-
Stability
79
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Company registry
Company registry (CBE)
Crossroads BankActivities
Accountants en belastingconsulenten69201Activiteiten van (gecertificeerde) (fiscaal) accountants69201
Primary activity highlighted.
Names & trade names
| Legal nameFR | ADVICE ME |
Registered office
Avenue des Dessus de Lives(LO) 2
5101 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.