Active BE 0800.454.490Private limited company

Advice Point Vlaams-Brabant

Hof van Kersbeek 26 ·3078 Kortenberg, Belgium· 3 yrs active

Sector: Agenten en makelaars in bankdiensten (66191)

Conclusion Checked

Advice Point Vlaams-Brabant is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €52k and a net result of €539k. Its solvency ranks better than 18% of 90 sector peers (fiscal year 2025). 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 2 annual accounts.

Key figures

Equity	€52k
Net result	€539k
Staff (FTE)	4.9
Better than sector	18%

Financial profile 4 of 5 axes measured · computed by Checked

69 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 5

Growth 78

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More 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 Flags0 events

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.

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview2 NBB filings

Annual accounts filed on 05-05-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Sector comparison

Fiscal year 2025 · NACE 66 · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	2.4%	22.2%	better than 18% of 90 sector peers
Net result	€539k	€84k	better than 84% of 90 sector peers
Equity	€52k	€120k	better than 27% of 90 sector peers
Gross operating margin	€1.24M	€401k	better than 80% of 90 sector peers
Staff costs	€435k	€434k	higher than 50% of 58 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€539k

+162.4% 24-25

Total assets

€2.15M

+9.4% 24-25

Equity

€52k

+87.8% 24-25

Employees (FTE)

5

-18.3% 24-25

Staff costs

€435k

-42.0% 24-25

Income taxes

€25k

-14.0% 24-25

Debt

€2.09M

+8.3% 24-25

Debt ≤ 1y

€1.15M

+91.3% 24-25

Show 4 other metrics

Debt > 1y

€945k

-28.4% 24-25

Solvency

2.4%

+71.6% 24-25

ROE

1030.1%

+39.8% 24-25

ROA

25.1%

+139.8% 24-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	n/a
EBITDA	n/a
Net profit	€539k
Cash flow	n/a
Staff costs	€435k
Income taxes	€25k
Dividends	-
Total assets	€2.15M
Equity	€52k
Debt	€2.09M
of which ≤ 1y	€1.15M
of which > 1y	€945k
Working capital	n/a
Employees (FTE)	4.9

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	2.4%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	25.1%
ROE	1030.1%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €1.39M · 65.0% Current assets €752k · 35.0%

Equity & liabilities

Equity €52k · 2.4% Debt €2.09M · 97.6%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€2.15M
Fixed assets	21/28	€1.39M
Intangible fixed assets	21	€1.34M
Tangible fixed assets	22/27	€56k
Current assets	29/58	€752k
Amounts receivable within one year	40/41	€0
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€2.15M
Equity	10/15	€52k
Contributions / capital	10/11	€10k
Reserves	13	€42k
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€2.09M
Amounts payable after one year	17	€945k
Amounts payable within one year	42/48	€1.15M
Trade debts payable within one year	44	€10k
Income statement
Gross operating margin	9900	€1.24M
Operating result	9901	€619k
Financial income	75	€0
Financial charges	65	€56k
Result before taxes	9903	€563k
Income taxes	67/77	€25k
Net result for the period	9904	€539k
Result to be appropriated	9905	€539k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Agenten en makelaars in bankdiensten(66191)
Legal form	Private limited company(610)
Incorporation	05-04-2023
Status	Active
Postal code	3078

Establishment units 1 location

Advice Point - Kortenberg

Leuvensesteenweg 200, 3070 KortenbergAgenten en makelaars in bankdiensten

since 20232.343.753.194

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels 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.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
24026D0150/00A000	Flanders	828 m²	1 · 97 m²	9.5 m · 3 fl.
24055B0192/00K002	Flanders	311 m²	1 · 310 m²	10.3 m · 3 fl.

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.

Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

05-05-2026

NBB filing Annual accounts filed

fiscal year 2025 · verkort

23-01-2026

State Gazette act Minor change

v3.2

2025

10-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

2023

07-04-2023

State Gazette act Incorporation

oprichting

Belgian State Gazette reading coverage 0 of 2 acts read

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.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 7 months ago

2026

23-01-2026 Publication in the Belgian Official Gazette, Minor change Minor change

Summary: v3.2

Original publication ↗

Technical details

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  "detected_kind": "agm_rules_change",
  "effective_date": null,
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  "subject_company": {
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    "name_full": "ADVICE POINT VLAAMS-BRABANT",
    "legal_form": "BV"
  },
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "single_shareholder_declaration": null
}

2023

07-04-2023 Incorporation of a new BV Incorporation

Summary: oprichting

Original publication ↗

Technical details

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  "seat": "Hof van Kersbeek 26, 3078 Everberg",
  "schema": "v3.2",
  "act_meta": {
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  "founders": [
    {
      "org": {
        "kbo": "0877.677.675",
        "name": "Pass \u0026 Partners"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": "0877.677.675",
      "holder_org_name": "Pass \u0026 Partners",
      "contribution_type": "cash",
      "amount_paid_in_eur": 4500,
      "holder_person_name": null,
      "is_subscriber_only": true,
      "n_shares_subscribed": 45,
      "amount_subscribed_eur": 4500,
      "is_anonymous_silent_partner": false
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    {
      "org": {
        "kbo": "0685.564.920",
        "name": "AV Services"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": "0685.564.920",
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      "amount_subscribed_eur": 4500,
      "is_anonymous_silent_partner": false
    },
    {
      "org": {
        "kbo": "0794.901.736",
        "name": "INNOVERDE BV"
      },
      "kind": "rechtspersoon",
      "person": null,
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": "0794.901.736",
      "holder_org_name": "INNOVERDE BV",
      "contribution_type": "cash",
      "amount_paid_in_eur": 1000,
      "holder_person_name": null,
      "is_subscriber_only": true,
      "n_shares_subscribed": 10,
      "amount_subscribed_eur": 1000,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 10000,
  "subject_company": {
    "kbo": "0800.454.490",
    "name_full": "Advice Point Vlaams-Brabant",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2023-04-05",
  "post_incorporation_mandates": []
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Agenten en makelaars in bankdiensten66191

Primary activity highlighted.

Names & trade names

Legal nameNL

Advice Point Vlaams-Brabant

Registered office

Hof van Kersbeek 26

3078 Kortenberg, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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