Advieselec
ActiveAdvieselec has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167k and a net result of €-33k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 72% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-65
Solvency100=
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 3.1 against 5.73 in 2024), and 30.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
69.4%
Return on assets
-13.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
14 d late
2023
1 d early
2022
28 d late
2021
25 d late
2020
150 d late
2019
27 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€167k▼ 16.6%
2024 · €201k
2019: €192k
2020: €166k
2021: €168k
2022: €174k
2023: €175k
2024: €201k
2019 → 2025
Total assets
€241k▼ 0.8%
2024 · €243k
2019: €392k
2020: €248k
2021: €273k
2022: €289k
2023: €231k
2024: €243k
2019 → 2025
Net result
€-33k
2024 · €26k
2019: €23k
2020: €-26k
2021: €2k
2022: €6k
2023: €661
2024: €26k
2019 → 2025
Working capital
€155k▼ 20.0%
2024 · €194k
2019: €199k
2020: €174k
2021: €180k
2022: €178k
2023: €168k
2024: €194k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€168k-€174k▲ 3.6%€175k▲ 0.4%€201k▲ 14.9%€167k▼ 16.6%
Operating result€4k-€2k▼ 48.0%€1k▼ 45.0%€35k▲ 3,016%€-29k
Net result€2k-€6k▲ 175%€661▼ 89.1%€26k▲ 3,827%€-33k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €29k after €35k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€12k▲ 43.8%
Current assets
€229k▼ 2.5%
Equity and liabilities €241k
Equity
€167k▼ 16.6%
Debt
€74k▲ 73.6%
The debt ratio rises from 17.5% to 30.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-27k▼
2024 · €45k
Cash flow
€-31k▼
2024 · €36k
Solvency
69.4%▼
2024 · 82.5%
Current ratio
3.10▼
2024 · 5.73
Quick ratio
2.48▼
2024 · 5.18
Debt / equity
0.44▲
2024 · 0.21
ROE
-20.0%▼
2024 · 12.9%
ROA
-13.8%▼
2024 · 10.7%
Interest coverage
-6.79▼
2024 · 16.12
Debt
€74k▲
2024 · €43k
Debt ≤ 1 year
€74k▲
2024 · €41k
Income taxes
€264▼
2024 · €6k
Staff costs
€49k▲
2024 · €46k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€243k€241k▼
Fixed assets21/28€9k€12k▲
Tangible fixed assets22/27€6k€10k▲
Plant, machinery and equipment23€5k€10k▲
Furniture and vehicles24€988€171▼
Financial fixed assets28€2k€2k=
Current assets29/58€235k€229k▼
Stocks and contracts in progress3€23k€45k▲
Stocks30/36€23k€45k▲
Amounts receivable within one year40/41€195k€177k▼
Trade receivables40€138k€66k▼
Other amounts receivable41€56k€112k▲
Cash at bank and in hand54/58€15k€3k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€243k€241k▼
Equity10/15€201k€167k▼
Contributions10/11€6k€6k=
Reserves13€195k€161k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€174k€141k▼
Amounts payable17/49€43k€74k▲
Amounts payable within one year42/48€41k€74k▲
Current portion of amounts payable after more than one year42€8k€683▼
Financial debts43€4k€4k▲
Credit institutions430/8€4k€4k▲
Trade debts44€9k€39k▲
Suppliers440/4€9k€39k▲
Taxes, remuneration and social security45€18k€30k▲
Taxes450/3€11k€18k▲
Remuneration and social security454/9€7k€12k▲
Other amounts payable47/48€2k€694▼
Accrued charges and deferred income492/3€2k€15▼
Income statement
Code20242025
Remuneration, social security and pensions62€46k€49k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€2k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€93k€24k▼
Operating profit (loss)9901€35k€-29k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€32k€-33k▼
Income taxes67/77€6k€264▼
Profit (loss) for the period9904€26k€-33k▼
Profit (loss) for the period to be appropriated9905€26k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€-33k▼
Transfer from equity791/2-€33k
Transfer to equity691/2€26k-
To other reserves6921€26k-
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
Next filing, fiscal year 2026, expected by
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-33k ▼229%
Net result drops to €-33k, the lowest in the series.
14-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
30-06
Financial
Highest result since 2019net €26k ▲3827%
Net result €26k, the highest in the series.
30-06
Financial
Equity above €200kEq €201k ▲14.9%
4 profitable years in a row build equity to €201k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 150 days late
2020
30-06
Financial
Liquidity triplescurrent ratio 6.10
Current ratio from 2.18 to 6.10; short-term debt falls from €170k to €34k.
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 15 days late
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
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, Maarkedal · 1 establishment unit since 2010
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.
Koppenberg 79680 MaarkedalGround area
4,800 m²
Building footprint
167 m²
Volume, LiDAR
1,069 m³
Parcel 45011A0056/00R000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
"Advieselec"
since 20102.190.596.530
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45011A0056/00R000 | Flanders | 4,800 m² | 1 · 167 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
2025 · 1 entry · 72 EUR awarded · 72 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 72 EUR | 72 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 536 companies in sector 46120 we hold annual accounts for 302. 212 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-07-2010
Fiscal year end30-06
Activities, NACEBEL
46120Wholesale trade
46649Wholesale of other machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.