Turnover
≈ €110,000 estimated
The micro format states no turnover.
ADVIZE
Overview
Lifetime
2 annual accounts with figures on one time axispeak €36,586 (2025)
€36,586▲ 87×
lowest -€1,286 (2024)
€22,904▲ €24,190
peak €26,619 (2025)
€26,619▲ 617%
€41,994▲ 590%
Board1 name since 2024
1 directorDE SUTTER Hans Cyriel Anna
Documentsfilings and deeds
09-08-20269 days late
2025micro format
Gross margin from €422 to €36,586Back to profit: €22,904Equity from €3,714 to €26,619Debts from €6,085 to €41,994Cash from €9,799 to €52,227
Key points
from the 2025 annual accountsInvestments
€3,546 15.5 × depreciation
Green is investment, beige is depreciation.
Liquidity
2.54 was 1.61 in 2024
Short-term debts rose from €6,085 to €25,665.
2025 accounts filed 9 days after the deadline
Checked score
97
Excellent
Financially stronger than 74% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
09-2025: < 0.1%
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: 0.1%▲ +0.1 percentage points vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value
09-2026: < 0.1%▼ -0.2 percentage points vs 08-2026lowest value
10-2026: 0.1%▲ +0.1 percentage points vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.54, cash €52,227
Size: total assets €68,613
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 37% of them on solvency, 75% on liquidity, 84% on profitability and 99% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as ADVIZE has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of ADVIZE itself is lower: 0.1% within 12 months. It rests on far more data about ADVIZE than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for ADVIZE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.54 (1.61 in 2024), above the usual 1.5. Short-term debt is 37.4% and cash 76.1% of total assets. However, 61.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 9 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
9 days late
2024
37 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 14 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Ghent to Olsene Zulte
New registered office: Kerkstraat 46 - bus 102. 9870 Olsene Zulte · Previous registered office: Dampoortstraat 13, 9000 Gent · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1012249933
Incorporation
Founding capital of €5,000, 100 shares · Founder: DE SUTTER Hans Cyriel Anna (comparant) · Appointment: DE SUTTER Hans Cyriel Anna (director) · published on 08-08-2024 · Gazette deed
First establishment
Kerkstraat 46, Zulte
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ADVIZE Zulte | €68,613 | €36,586 | 38.8% | - |
| VLLM Sint-Gillis-Waas | €65,428 | €36,764 | 52.7% | - |
| Vetwise Sint-Niklaas | €62,537 | €38,778 | 79.9% | - |
| Westbourne Holdings Ghent | €68,416 | €42,118 | 83.2% | - |
| Philippe de Beukelaar Beveren-Kruibeke-Zwijndrecht | €70,555 | €35,566 | 67.1% | - |
| North Hill Pathways Ghent | €69,433 | €43,059 | 50.6% | - |
| LILU HR Dendermonde | €74,472 | €41,431 | 69.2% | - |
These companies have the same main activity as ADVIZE: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €62,500 and €74,500, founded in 2024.
Official details
Source: KBO- Status
- Active since 06-08-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200and 2 others
- Establishment unit
- 2.365.736.9589870 Zulte, since 06-08-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 29-12-2025
Annual accounts 2025
- €36,586▲ 87×
- €22,904
- €26,619▲ 617%
- €68,613▲ 600%
- Filing
- Filed on 09-08-2026
Insights on ADVIZE
ADVIZE has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26,619 and a net result of €22,904.
Its solvency ranks better than 36% of 39,360 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 09-08-2026, 9 days late€36,586
▲ 87×
€34,846
▲ €35,221
€22,904
▲ €24,190
€39,630
▲ 967%
38.8%
▲ 0.9 percentage points
2.54
▲ 0.93
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €110,000. Estimated: probably between €64,000 and €150,000.
Balance sheet
balance sheet total €68,613 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
38.8%
Higher than 36% of 39,360 companies in 2025.
2.54
Higher than 57% of 38,044 companies in 2025.
33.4%
Higher than 74% of 38,516 companies in 2025.
ADVIZE
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
68,613 | 9,799 | |
21/28 |
3,318 | - | |
22/27 |
3,318 | - | |
26 |
3,318 | - | |
29/58 |
65,295 | 9,799 | |
40/41 |
13,068 | - | |
40 |
13,068 | - | |
54/58 |
52,227 | 9,799 | |
| Balance sheet: equity and liabilities | |||
10/49 |
68,613 | 9,799 | |
10/15 |
26,619 | 3,714 | |
10/11 |
5,000 | 5,000 | |
14 |
21,619 | -1,286 | |
17/49 |
41,994 | 6,085 | |
42/48 |
25,665 | 6,085 | |
44 |
1,997 | 698 | |
440/4 |
1,997 | 698 | |
45 |
12,832 | 4,266 | |
450/3 |
12,832 | 4,266 | |
47/48 |
10,836 | 1,120 | |
492/3 |
16,329 | - | |
| Income statement | |||
9900 |
36,586 | 422 | |
630 |
228 | - | |
640/8 |
1,512 | 797 | |
9901 |
34,846 | -375 | |
65/66B |
4,442 | 910 | |
65 |
4,442 | 910 | |
9903 |
30,404 | -1,286 | |
67/77 |
7,500 | - | |
9904 |
22,904 | -1,286 | |
9905 |
22,904 | -1,286 | |
| Appropriation of the result | |||
9906 |
21,619 | -1,286 | |
14P |
-1,286 | - | |
| Document | |||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 09-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 9 days after the deadline. Filed on 9 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00389270.
Subsidies and aid
Flemish government 2025, 1 entry, €597 awarded, €597 paid
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 35,074 | - | ||
| 23,132 | - | ||
| 3,546 | - | ||
| 42,428 | - | ||
| 39,630 | 3,714 | ||
| 38.8% | 37.9% | ||
| 2.54 | 1.61 | ||
| 1.58 | 1.64 | ||
| 86.0% | -34.6% | ||
| 33.4% | -13.1% | ||
| 7.90 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €3,546 | - |
| €228 | - |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on ADVIZE
The operating result for 2025 is a profit of €34,846, after a loss of €375 in 2024.
Debt's share of the balance-sheet total falls from 62.1% to 61.2%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector
since 06-08-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 09-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Artikel 15. : Externe vertegenwoordiging De vennootschap is verbonden door de handelingen van het bestuursorgaan, van de personen aan wie…”deed of 08-08-2024
Mandates through the years
1 name, the dashed line is todayDE SUTTER Hans Cyriel Anna
Director
Director
Board
Mandates as a list
- DE SUTTER Hans Cyriel Anna
- Director, from 06-08-2024 to date
Control
Capital
- Contribution
- €5,000
- Shares
- 100
- Contribution per share
- €50
- Equity per share
- €266 in 2025
- Source
- deed of 08-08-2024
Articles of association
deed of 08-08-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 21 June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 08-08-2024 ↗
- DE SUTTER Hans Cyriel Anna 100 shares (100%) · €5,000 in cash
Network & group
No group
ADVIZE has no parent and no holdings in its annual accounts. DE SUTTER Hans Cyriel Anna is the only director. ADVIZE shares no director with another company.
At the same address
Kerkstraat 46, 9870 Zulte · 3 other companies| ONE
registered office since 18-04-2002 · founded in 1992 · negative equity (2025) |
total assets €109,666 (2025) 0448.095.656 |
| Cnockaert, Johan (sole trader)
establishment since 04-03-2021 |
founded in 2021 0764.934.872 |
| VERENIGING VAN MEDE-EIGENAARS VAN DE RESIDENTIE DE MINARD TE 9870 ZULTE(OLSENE), KERKSTRAAT 46
registered office since 08-02-2017 |
founded in 2017 0669.517.160 |
Timeline
Timeline
7 events since 2024Filings
Financial
Establishments
Address
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Registered office moved from Ghent to Olsene ZulteNew registered office: Kerkstraat 46 - bus 102. 9870 Olsene Zulte · Previous registered office: Dampoortstraat 13, 9000 Gent1 point ▸
- Registered-office move, Kerkstraat 46 - bus 102. 9870 Olsene Zulte
Annual accounts 2025 filed NBBmicro format · 9 days late
2025
Back to profit net €22,904 The net result is €22,904, after one loss-making year.
Registered in the Peppol Directory Reachable for e-invoices through 0208:1012249933
Annual accounts 2024 filed NBBmicro format · 37 days before the deadline
2024
IncorporationFounding capital of €5,000, 100 shares · Founder: DE SUTTER Hans Cyriel Anna (comparant) · Appointment: DE SUTTER Hans Cyriel Anna (director) · published on 08-08-20246 points ▸
- Founder, DE SUTTER Hans Cyriel Anna (comparant)
- Founding capital, €5,000, 100 shares
- Capital contribution, €5,000
- Registered office clause, Dampoortstraat 13, 9000 Gent
- Director appointment, DE SUTTER Hans Cyriel Anna
- Board rule, 1
- The deed holds 11 more points.
First establishment Kerkstraat 46, Zulte
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 6 August 2024, ADVIZE was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 In 2026 the registered office moved to Olsene Zulte.3 DE SUTTER Hans Cyriel Anna has served as director since 2024.4
Company details
Identity
- Enterprise number
- 1012.249.933
- VAT number
- BE 1012.249.933
- Peppol ID
- 0208:1012249933
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 06-08-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 21 June at 18:00deed of 08-08-2024 (in Dutch)
- Peppol
- Reachable since 29-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- ADVIZE in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 08-08-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 08-08-2024 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
82110
Office administrative, office support and other business support activities
82990
Other business support services
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “1. Het verlenen van diensten die behoren tot de functie van management consulting; 2. Het ondersteunen en begeleiden van ondernemingen en…”deed of 08-08-2024 (in Dutch)
7 activities
- 1. Het verlenen van diensten die behoren tot de functie van management consulting.
- 2. Het ondersteunen en begeleiden van ondernemingen en privaat personen op gebied van business development en algemeen beleid en management.
- 3. Het kopen en verkopen van allerlei producten alsmede het vertegenwoordigen van binnenlandse en buitenlandse producent en in de Benelux markten.
- 4. Het ontwikkelen,aankopen,verkopen en exploiteren van (financiële) rapportering systemen.
- 5. Het waarnemen van alle bestuur- en managementopdrachten,inclusief het uitoefenen van opdrachten en functies.
- 6. Het verlenen en organiseren van adviezen,opleidingen en trainingen aan bedrijven en privépersonen op gebied van algemene en financiële bedrijfsvoering,communicatie,personeelsbeleid,administratie,promotie,verzekeringen,verkoop en marketing.
- 7. Het verrichten van diverse administratieve activiteiten ten behoeve van kantoren en privaat personen en overige ondersteunende dienstverleningen.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Kerkstraat 46 registered office 9870 Zulte | 06-08-2024 | 2.365.736.958 |
1 former office
- Dampoortstraat 13, 9000 Gent until 27-05-2026 · deed of 08-09-2026
Buildings and parcels at the address
- Ground area
- 3,837 m²
- Buildings
- 460 m²
- Volume, LiDAR
- 3,027 m³
- Tallest building
- 18.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 44050A0703/00M000 | 3,837 m² | 1 · 460 m² | 18.2 m · 2 |