ADVISORY 23
ActiveADVISORY 23 has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €47k. Its solvency ranks better than 85% of 31697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+2
Growth52
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 7.38 against 3.51 in 2024; short-term debt: 13.1% and cash: 83.7% of total assets), and 13.1% 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
86.9%
Return on assets
32.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
9 d early
2024
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▲ 59.7%
2024 · €79k
2024: €79k
2024 → 2025
Total assets
€146k▲ 34.5%
2024 · €108k
2024: €108k
2024 → 2025
Net result
€47k▼ 37.1%
2024 · €75k
2024: €75k
2024 → 2025
Working capital
€122k▲ 67.3%
2024 · €73k
2024: €73k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€79k-€127k▲ 59.7%
Operating result€99k-€63k▼ 36.6%
Net result€75k-€47k▼ 37.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146k
Fixed assets
€5k▼ 26.5%
Current assets
€141k▲ 38.4%
Equity and liabilities €146k
Equity
€127k▲ 59.7%
Debt
€19k▼ 34.2%
The debt ratio falls from 26.8% to 13.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65k▼
2024 · €101k
Cash flow
€49k▼
2024 · €77k
Solvency
86.9%▲
2024 · 73.2%
Current ratio
7.38▲
2024 · 3.51
Quick ratio
7.38▲
2024 · 3.51
Debt / equity
0.15▼
2024 · 0.37
ROE
37.4%▼
2024 · 95.0%
ROA
32.5%▼
2024 · 69.5%
Interest coverage
20.59▼
2024 · 22.89
Debt
€19k▼
2024 · €29k
Debt ≤ 1 year
€19k▼
2024 · €29k
Income taxes
€12k▼
2024 · €19k
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€108k€146k▲
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Furniture and vehicles24€6k€5k▼
Current assets29/58€102k€141k▲
Amounts receivable within one year40/41€8k€18k▲
Trade receivables40€8k€18k▲
Cash at bank and in hand54/58€94k€122k▲
Deferred charges and accrued income490/1€894€1k▲
Equity and liabilities
Total equity and liabilities10/49€108k€146k▲
Equity10/15€79k€127k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€75k€123k▲
Amounts payable17/49€29k€19k▼
Amounts payable within one year42/48€29k€19k▼
Trade debts44€698-
Suppliers440/4€698-
Taxes, remuneration and social security45€28k€19k▼
Taxes450/3€28k€19k▼
Remuneration and social security454/9€22-
Other amounts payable47/48€106€60▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€4k€135▼
Gross operating margin9900€107k€65k▼
Operating profit (loss)9901€99k€63k▼
Financial income75/76B€30€0▼
Recurring financial income75€30€0▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€95k€60k▼
Income taxes67/77€19k€12k▼
Profit (loss) for the period9904€75k€47k▼
Profit (loss) for the period to be appropriated9905€75k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€123k▲
Profit (loss) brought forward from the previous period14P-€75k
The notes to these accounts (4 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 7.38
Current ratio from 3.51 to 7.38; short-term debt falls from €29k to €19k.
31-12
Financial
Equity above €100kEq €127k ▲59.7%
2 profitable years in a row build equity to €127k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
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, Visé · 1 establishment unit since 2023
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.
Rue Nelson Mandela (VIS) 124600 ViséGround area
499 m²
Building footprint
97 m²
Volume, LiDAR
706 m³
Parcel 62108B0372/00C002, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ADVISORY 23
since 20232.347.865.895
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62108B0372/00C002 | Wallonia | 499 m² | 1 · 97 m² | 9.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400QVM9KZH3GRIB10
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S-WINGS
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LAKO CONSULT
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D-APOSTROPHE
BE 0466.228.124
Mol · Eq €127k
Yann Pauwels
BE 1024.437.982
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Johan Verhaegen
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 40,849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.