Advies 70three
ActiveSummary
Advies 70three has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €325,747 and a net result of €63,617. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 48% of 7859 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability31▼-12
Solvency73▼-27
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19,000 at 30 days acceptable
Liquidity ample (current ratio 1.95 against 11.46 in 2024; short-term debt: 51.2% and cash: 2.5% of total assets), but 51.6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.4%
Return on assets
9.5%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 06-10-2025, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
9 d early
2023
31 d early
2022
23 d early
2021
47 d early
2020
46 d early
2019
39 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 36 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today. Usually files around 30 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-04-2026 close30-09-2026 today30-11-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€630,035
EBIT margin
12.3%
Net result
€63,617▲ 323%
2024 · €15,033
Working capital
€326,966▼ 45.4%
2024 · €598,505
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€377,884▼ 25.9%€5,583▼ 98.5%-€54,924-€2,203▲ 96.0%-€35,968▼ 1,533%
Net result€263,761above the sector's middle half▼ 20.0%€9,538within the sector's middle half▼ 96.4%-€59,202below the sector's middle half€15,033within the sector's middle half€63,617above the sector's middle half▲ 323%
EBIT margin
Equity€708,023above the sector's middle half▲ 59.4%€717,561within the sector's middle half▲ 1.3%€624,790above the sector's middle half▼ 12.9%€591,711above the sector's middle half▼ 5.3%€325,747above the sector's middle half▼ 44.9%
Total assets€753,179above the sector's middle half▲ 40.6%€732,976within the sector's middle half▼ 2.7%€667,488above the sector's middle half▼ 8.9%€657,571above the sector's middle half▼ 1.5%€672,805above the sector's middle half▲ 2.3%
Debt€45,156▼ 50.6%€15,415▼ 65.9%€42,698▲ 177%€65,861▲ 54.2%€347,059▲ 427%
Working capital€616,820above the sector's middle half▲ 57.0%€664,843above the sector's middle half▲ 7.8%€590,054above the sector's middle half▼ 11.2%€598,505above the sector's middle half▲ 1.4%€326,966above the sector's middle half▼ 45.4%
Solvency94.0%above the sector's middle half▲ 11.1pp97.9%above the sector's middle half▲ 3.9pp93.6%above the sector's middle half▼ 4.3pp90.0%above the sector's middle half▼ 3.6pp48.4%within the sector's middle half▼ 41.6pp
Current ratio14.77above the sector's middle half▲ 9.4244.13above the sector's middle half▲ 29.3514.82above the sector's middle half▼ 29.3111.46above the sector's middle half▼ 3.361.95within the sector's middle half▼ 9.51
Return on assets (ROA)35.0%above the sector's middle half▼ 26.5pp1.3%within the sector's middle half▼ 33.7pp-8.9%below the sector's middle half▼ 10.2pp2.3%within the sector's middle half▲ 11.2pp9.5%within the sector's middle half▲ 7.2pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2022 Net result -96% on 2021. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €35,968 in 2025 against €2,203 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €672,805
Fixed assets
€1,133 ▼ 38.0%
Current assets
€671,673 ▲ 2.4%
Equity and liabilities €672,805
Equity
€325,747 ▼ 44.9%
Debt
€347,059 ▲ 427%
Debt's share of the balance-sheet total rises from 10.0% to 51.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€35,273▼
2024 · -€1,508
Cash flow
€64,312▲
2024 · €15,728
Debt to equity
1.07▲
2024 · 0.11
ROE
19.5%▲
2024 · 2.5%
Interest coverage
-0.61▼
2024 · 0.28
Debt ≤ 1 year
€344,707▲
2024 · €57,239
Income taxes
-€34▼
2024 · €650
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,811 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €17,564 | €0 | €26,610 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,755 | €17,544 | €17,982 | €695 | €695 | = |
| Other operating charges640/8 | - | €5,893 | €1,358 | €336 | €531 | ▲ 58.4% |
| Gross operating margin9900 | €398,191 | €29,020 | -€35,584 | -€1,173 | -€34,741 | ▼ 2,863% |
| Operating profit (loss)9901 | €377,884 | €5,583 | -€54,924 | -€2,203 | -€35,968 | ▼ 1,533% |
| Financial income75/76B | - | €9,059 | €5,778 | €12,575 | €157,262 | ▲ 1,151% |
| Recurring financial income75 | €4,207 | €9,059 | €5,778 | €12,575 | €157,262 | ▲ 1,151% |
| Financial charges65/66B | - | €794 | €9,156 | -€5,311 | €57,711 | ▲ 1,187% |
| Recurring financial charges65 | €227 | €794 | €9,156 | -€5,311 | €57,711 | ▲ 1,187% |
| Profit (loss) for the period before taxes9903 | €381,864 | €13,849 | -€58,301 | €15,683 | €63,584 | ▲ 305% |
| Income taxes67/77 | €118,103 | €4,311 | €901 | €650 | -€34 | ▼ 105% |
| Profit (loss) for the period9904 | €263,761 | €9,538 | -€59,202 | €15,033 | €63,617 | ▲ 323% |
| Profit (loss) for the period to be appropriated9905 | €263,761 | €9,538 | -€59,202 | €15,033 | €63,617 | ▲ 323% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €753,179 | €732,976 | €667,488 | €657,571 | €672,805 | ▲ 2.3% |
| Fixed assets21/28 | €91,576 | €52,717 | €34,736 | €1,827 | €1,133 | ▼ 38.0% |
| Tangible fixed assets22/27 | €91,576 | €52,717 | €34,736 | €1,827 | €1,133 | ▼ 38.0% |
| Furniture and vehicles24 | - | €52,717 | €34,736 | €1,827 | €1,133 | ▼ 38.0% |
| Current assets29/58 | €661,603 | €680,259 | €632,752 | €655,744 | €671,673 | ▲ 2.4% |
| Amounts receivable within one year40/41 | €69,771 | €20,442 | €19,842 | €17,120 | €13,500 | ▼ 21.1% |
| Trade receivables40 | - | €7,079 | €19,542 | €8,470 | €7,200 | ▼ 15.0% |
| Other amounts receivable41 | - | €13,364 | €300 | €8,650 | €6,300 | ▼ 27.2% |
| Current investments50/53 | €302,822 | €309,125 | €552,689 | €610,271 | €640,775 | ▲ 5.0% |
| Cash at bank and in hand54/58 | €283,087 | €346,094 | €58,447 | €26,126 | €16,874 | ▼ 35.4% |
| Deferred charges and accrued income490/1 | - | €4,598 | €1,775 | €2,228 | €524 | ▼ 76.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €753,179 | €732,976 | €667,488 | €657,571 | €672,805 | ▲ 2.3% |
| Equity10/15 | €708,023 | €717,561 | €624,790 | €591,711 | €325,747 | ▼ 44.9% |
| Contributions10/11 | - | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Reserves13 | €678,023 | €687,561 | €653,993 | €605,880 | €276,298 | ▼ 54.4% |
| Distributable reserves133 | - | €687,561 | €653,993 | €605,880 | €276,298 | ▼ 54.4% |
| Profit (loss) carried forward14 | - | - | -€59,202 | -€44,169 | €19,448 | ▲ 144% |
| Amounts payable17/49 | €45,156 | €15,415 | €42,698 | €65,861 | €347,059 | ▲ 427% |
| Amounts payable within one year42/48 | €44,783 | €15,415 | €42,698 | €57,239 | €344,707 | ▲ 502% |
| Trade debts44 | €16,256 | €4,965 | €1,863 | €2,019 | €8,247 | ▲ 308% |
| Suppliers440/4 | - | €4,965 | €1,863 | €2,019 | €8,247 | ▲ 308% |
| Taxes, remuneration and social security45 | - | €3,571 | €6,893 | €5,753 | €3,081 | ▼ 46.4% |
| Taxes450/3 | - | €3,571 | €6,893 | €5,753 | €3,081 | ▼ 46.4% |
| Other amounts payable47/48 | - | €6,879 | €33,942 | €49,467 | €333,379 | ▲ 574% |
| Accrued charges and deferred income492/3 | - | €0 | - | €8,621 | €2,351 | ▼ 72.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €263,761 | €9,538 | -€59,202 | €15,033 | €63,617 | ▲ 323% |
| + Depreciation and write-downs630 | €14,755 | €17,544 | €17,982 | €695 | €695 | = |
| Operating cash flow (approximation) | €278,515 | €27,082 | -€41,221 | €15,728 | €64,312 | ▲ 309% |
| Investment in fixed assets (approximation) | - | €21,315 | €0 | €32,214 | €0 | ▼ 100% |
| Change in cash | - | €63,007 | -€287,647 | -€32,321 | -€9,251 | ▲ 71.4% |
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
2025
06-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
21-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-04
Financial
Back to profitnet €15,033
Net result €15,033 after one loss-making year.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-04
Financial
Weakest financial yearnet -€59,202
Net result drops to -€59,202, the lowest in the series; recovery starts the following year.
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-04
Financial
Liquidity triplescurrent ratio 44.13
Current ratio from 14.77 to 44.13; short-term debt falls from €44,783 to €15,415.
2021
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-04
Financial
Liquidity triplescurrent ratio 14.77
Current ratio from 5.35 to 14.77; short-term debt falls from €90,272 to €44,783.
30-04
Financial
Equity above €500,000Eq €708,023 ▲59.4%
3 profitable years in a row build equity to €708,023.
2020
15-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-04
Financial
Highest result since 2019net €329,581 ▲585%
Operating result €509,990, net result €329,581, both a record.
Show earlier events
30-04
Financial
Liquidity times 5current ratio 5.35
Current ratio from 1.16 to 5.35; short-term debt falls from €454,873 to €90,272.
30-04
Financial
Equity above €200,000Eq €444,262 ▲287%
2 profitable years in a row build equity to €444,262.
2019
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
18-10
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 5 acts read
About the unread acts
We know of 5 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
5 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, Geraardsbergen · 1 establishment unit since 2008
Ground area
1,501 m²
Building footprint
179 m²
Volume, LiDAR
1,301 m³
Parcel 41050A0397/00D002, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Advies 70three
since 20082.293.002.103
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41050A0397/00D002 | Flanders | 1,501 m² | 1 · 179 m² | 11.0 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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Of 24,516 companies in sector 82990 we hold annual accounts for 9,420. 6,435 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
Founded22-09-2008
Fiscal year end30-04
Activities, NACEBEL 2025
82990Other business support services
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0806507191
Also
9925:BE0806507191
Registered
06-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.