Adviesbureau Waterloos is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €180k and a net result of €74k. Equity is shrinking by ~8% per year across the filed fiscal years. Its solvency ranks better than 40% of 3323 sector peers (fiscal year 2024). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €180k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-10-2025, 71 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
30 d late
2022
31 d late
2021
60 d late
2020
30 d late
2019
54 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€180k▲ 39.7%
2023 · €129k
2018: €254k
2019: €269k
2020: €252k
2021: €200k
2022: €112k
2023: €129k
2018 → 2024
Net result
€74k▲ 220%
2023 · €23k
2018: €57k
2019: €17k
2020: €-9k
2021: €23k
2022: €19k
2023: €23k
2018 → 2024
Total assets
€462k▲ 3.8%
2023 · €445k
2018: €707k
2019: €663k
2020: €525k
2021: €490k
2022: €385k
2023: €445k
2018 → 2024
Solvency
39.0%▲ 10.0pp
2023 · 28.9%
2018: 35.9%
2019: 40.6%
2020: 48.0%
2021: 40.8%
2022: 29.2%
2023: 28.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€252k-€200k▼ 20.7%€112k▼ 43.7%€129k▲ 14.7%€180k▲ 39.7%
Operating result€-3k-€35k€33k▼ 8.0%€38k▲ 17.5%€110k▲ 186%
Net result€-9k-€23k€19k▼ 15.5%€23k▲ 20.7%€74k▲ 220%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 186% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €462k
Fixed assets
€244k▼ 12.0%
Current assets
€218k▲ 29.6%
Equity and liabilities €462k
Equity
€180k▲ 39.7%
Provisions
€0▼ 100%
Debt
€282k▼ 9.9%
The debt ratio falls from 70.3% to 61.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
39.0%▲
2023 · 28.9%
ROE
41.2%▲
2023 · 18.0%
ROA
16.1%▲
2023 · 5.2%
Debt
€282k▼
2023 · €313k
Debt ≤ 1 year
€70k▼
2023 · €81k
Debt > 1 year
€210k▼
2023 · €232k
Income taxes
€28k▲
2023 · €9k
Staff costs
€32k▼
2023 · €38k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€445k€462k▲
Fixed assets21/28€277k€244k▼
Tangible fixed assets22/27€277k€244k▼
Furniture and vehicles24€73k€54k▼
Other tangible fixed assets26€204k€190k▼
Current assets29/58€168k€218k▲
Amounts receivable within one year40/41-€9k
Trade receivables40-€1k
Other amounts receivable41-€8k
Current investments50/53€89k€90k▲
Cash at bank and in hand54/58€77k€117k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€445k€462k▲
Equity10/15€129k€180k▲
Contributions10/11€6k€6k=
Reserves13€122k€173k▲
Distributable reserves133€122k€173k▲
Profit (loss) carried forward14€745€748▲
Provisions and deferred taxes16€4k-
Provisions for liabilities and charges160/5€4k-
Other liabilities and charges164/5€4k-
Amounts payable17/49€313k€282k▼
Amounts payable after more than one year17€232k€210k▼
Financial debts170/4€232k€210k▼
Amounts payable within one year42/48€81k€70k▼
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€480€6k▲
Suppliers440/4€480€6k▲
Taxes, remuneration and social security45€12k€18k▲
Taxes450/3€3k€12k▲
Remuneration and social security454/9€9k€7k▼
Other amounts payable47/48€48k€24k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20232024
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€38k€32k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€33k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€-4k
Other operating charges640/8€1k€2k▲
Gross operating margin9900€106k€173k▲
Operating profit (loss)9901€38k€110k▲
Financial income75/76B€593€2k▲
Recurring financial income75€593€2k▲
Financial charges65/66B€6k€9k▲
Recurring financial charges65€6k€9k▲
Profit (loss) for the period before taxes9903€33k€103k▲
Income taxes67/77€9k€28k▲
Profit (loss) for the period9904€23k€74k▲
Profit (loss) for the period to be appropriated9905€23k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€75k▲
Profit (loss) brought forward from the previous period14P€326€745▲
Transfer from equity791/2€2k€15k▲
Transfer to equity691/2€18k€66k▲
To other reserves6921€18k€66k▲
Profit to be distributed694/7€7k€23k▲
Return on contributions (dividend)694€2k€17k▲
Directors or managers695€5k€6k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
31-12
Financial
Highest result since 2018net €74k ▲220%
Operating result €110k, net result €74k, both a record.
31-12
Financial
Equity above €150kEq €180k ▲39.7%
4 profitable years in a row build equity to €180k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-9k ▼154%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oosterzele · 2 establishment units since 2001
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.
Dorp 49860 OosterzeleGround area
793 m²
Building footprint
273 m²
Volume, LiDAR
1,652 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Dorp 4, 9860 Oosterzele
since 20012.116.193.471
Adviesbureau Waterloos
since 20252.368.597.468
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44008B0423/00P000 | Flanders | 663 m² | 1 · 164 m² | 10.5 m · 2 fl. |
| 44052C0818/00W000 | Flanders | 131 m² | 1 · 109 m² | 9.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 265 EUR awarded · 303 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 75 EUR | 0 EUR |
| 2024 | 1 | 0 EUR | 52 EUR |
| 2023 | 1 | 190 EUR | 251 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,120 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2000
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@waterloos.be
Phone:0473478378