ADVISIA
ActiveADVISIA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €2k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 18% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+22
Solvency37▼-42
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.95 against 3.68 in 2024; short-term debt: 62.6% and cash: 0.2% of total assets), and 88.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 31642 sector peers (2025).
NBB · sector comparisonPosition among 31642 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 08-10-2025, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
14 d late
2023
on the day
2022
3 d late
2021
3 d late
2020
108 d early
2019
98 d early
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▼ 79.5%
2024 · €195k
2019: €82k
2020: €135k
2021: €172k
2022: €189k
2023: €196k
2024: €195k
2019 → 2025
Total assets
€339k▼ 6.3%
2024 · €362k
2019: €312k
2020: €255k
2021: €461k
2022: €456k
2023: €400k
2024: €362k
2019 → 2025
Net result
€2k
2024 · €-372
2019: €51k
2020: €53k
2021: €37k
2022: €17k
2023: €7k
2024: €-372
2019 → 2025
Working capital
€-11k
2024 · €164k
2019: €-9k
2020: €32k
2021: €189k
2022: €196k
2023: €179k
2024: €164k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€172k-€189k▲ 10.1%€196k▲ 3.5%€195k▼ 0.2%€40k▼ 79.5%
Operating result€60k-€26k▼ 56.7%€12k▼ 52.9%€-3k€2k
Net result€37k-€17k▼ 53.0%€7k▼ 61.6%€-372€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €339k
Fixed assets
€138k▲ 1.1%
Current assets
€202k▼ 10.7%
Equity and liabilities €339k
Equity
€40k▼ 79.5%
Debt
€299k▲ 79.5%
The debt ratio rises from 46.1% to 88.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€18k▲
2024 · €10k
Cash flow
€19k▲
2024 · €13k
Solvency
11.8%▼
2024 · 53.9%
Current ratio
0.95▼
2024 · 3.68
Quick ratio
0.95▼
2024 · 3.68
Debt / equity
7.48▲
2024 · 0.85
ROE
5.4%▲
2024 · -0.2%
ROA
0.6%▲
2024 · -0.1%
Interest coverage
4.41▲
2024 · 1.83
Debt
€299k▲
2024 · €167k
Debt ≤ 1 year
€212k▲
2024 · €61k
Debt > 1 year
€87k▼
2024 · €105k
Income taxes
€6k▲
2024 · €4k
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€362k€339k▼
Fixed assets21/28€136k€138k▲
Tangible fixed assets22/27€136k€138k▲
Land and buildings22€126k€132k▲
Furniture and vehicles24€6k€2k▼
Other tangible fixed assets26€4k€4k=
Financial fixed assets28€66€66=
Current assets29/58€226k€202k▼
Amounts receivable within one year40/41€203k€179k▼
Trade receivables40€21k€22k▲
Other amounts receivable41€182k€156k▼
Current investments50/53€18k€19k▲
Cash at bank and in hand54/58€1k€613▼
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€362k€339k▼
Equity10/15€195k€40k▼
Contributions10/11€12k€12k=
Reserves13€181k€26k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€181k€26k▼
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€167k€299k▲
Amounts payable after more than one year17€105k€87k▼
Financial debts170/4€105k€87k▼
Amounts payable within one year42/48€61k€212k▲
Current portion of amounts payable after more than one year42€19k€19k=
Financial debts43€2k€1k▼
Credit institutions430/8€2k€1k▼
Trade debts44€28k€16k▼
Suppliers440/4€28k€16k▼
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€12k€14k▲
Remuneration and social security454/9€932€0▼
Other amounts payable47/48€0€162k▲
Accrued charges and deferred income492/3€260€148▼
Income statement
Code20242025
Non-recurring operating income76A€720€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€13k€21k▲
Operating profit (loss)9901€-3k€2k▲
Financial income75/76B€13k€11k▼
Recurring financial income75€13k€11k▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€4k€8k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€-372€2k▲
Profit (loss) for the period to be appropriated9905€-372€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-372€4k▲
Profit (loss) brought forward from the previous period14P-€1k
Transfer from equity791/2€2k€157k▲
Transfer to equity691/2€0€2k▲
To other reserves6921€0€2k▲
Profit to be distributed694/7-€157k
Return on contributions (dividend)694-€157k
The notes to these accounts (12 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
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2024
14-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
31-03
Financial
Weakest financial yearnet €-372 ▼106%
Net result drops to €-372, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Equity above €150kEq €172k ▲27.3%
3 profitable years in a row build equity to €172k.
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €53k ▲3.1%
Net result €53k, the highest in the series.
31-03
Financial
Equity above €100kEq €135k ▲64%
2 profitable years in a row build equity to €135k.
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Pieters-Woluwe · 1 establishment unit since 2008
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.
Arendlaan 21150 Sint-Pieters-WoluweGround area
349 m²
Building footprint
90 m²
Volume, LiDAR
733 m³
Parcel 21684B0059/00V014, Brussels · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ADVISIA SPRL
since 20082.171.264.826
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21684B0059/00V014 | Brussels | 349 m² | 1 · 90 m² | 11.4 m · 3 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.
Similar companies · same sector, comparable size
DLA3 CONSULTING
BE 0674.680.035
Olne · Eq €40k
Hospitality at work
BE 1009.602.922
Affligem · Eq €40k
Finactor
BE 0828.580.532
Lokeren · Eq €40k
Equipo
BE 0699.822.633
Gent · Eq €40k
STEA
BE 0549.978.815
Sint-Katelijne-Waver · Eq €40k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 36,686 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2008
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.