Equity
€126,146 ▲ 148%
Equity rose in 2025 from €50,867 to €126,146.
Advocaat Manu BANDE
Lifetime
3 annual accounts with figures on one time axispeak €103,716 (2025)
€103,716▲ 118%
peak €75,279 (2025)
€75,279▲ 125%
peak €126,146 (2025)
€126,146▲ 148%
€17,282▼ 3.4%
Board1 name since 2023
1 directorBande Manu
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Gross margin from €47,483 to €103,716Result from €33,429 to €75,279Equity from €50,867 to €126,146Investments €10,404Cash from €59,787 to €127,524
Key points
from the 2025 annual accountsTurnover
≈ €180,000 estimated
The micro format states no turnover.
Investments
€10,404 5.1 × depreciation
Green is investment, beige is depreciation.
Liquidity
7.47 was 3.44 in 2024
Short-term debts fell from €17,883 to €17,106.
Starting capital
€2,500 2,500 shares
Position in the sector
88.0%
Higher solvency than 87% of companies in legal and accounting. Sector median 56.8% · 15,824 companies.
Checked score
99
Excellent
Financially stronger than 89% of micro companies in legal and accounting (NACE 69)
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 20,103 companies (NACE 69, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
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%● unchanged 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 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Legal and accounting activities (NACE 69)
Liquidity: current ratio 7.47, cash €127,524
Equity €126,146 (88.0% of total assets)
Figures for financial year 2025 (filed on 29-06-2026)
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 69, micro). It does better than 87% of them on solvency, 94% on liquidity, 82% on profitability and 93% on growth.
The bankruptcy probability was computed on 07-11-2026 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 Advocaat Manu BANDE 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 Advocaat Manu BANDE itself is lower: < 0.1% within 12 months. It rests on far more data about Advocaat Manu BANDE 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 Advocaat Manu BANDE. 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 €12,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 7.47 (3.44 in 2024), above the usual 1.5. Short-term debt is 11.9% and cash 88.9% of total assets. 12% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
32 days early
2024
6 days early
2023
19 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 19 days before the deadline. In the sector (NACE 69), 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. The company usually files around 13 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0802289077
Incorporation
Founding capital of €2,500, 2,500 shares · Founder: Bande Manu · Appointment: Bande Manu (statutory director) · published on 05-06-2023 · Gazette deed
First establishment
Kauwendaal (MeSK) 29, Mechelen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Advocaat Manu BANDE Mechelen | €143,428 | €103,716 | 88.0% | - |
| KERAB Berlaar | €152,411 | €88,505 | 77.4% | - |
| ChamaLaw Watermael-Boitsfort | €153,143 | €103,195 | 69.2% | - |
| RS LEGAL Ixelles | €152,616 | €100,951 | 96.4% | - |
| Alissa ARMS LEGAL Woluwe-Saint-Lambert | €162,182 | €103,758 | 93.6% | - |
| DUHO Glabbeek | €144,130 | €93,356 | 79.6% | - |
| Joséphine Moulin Avocat Tournai | €160,306 | €93,389 | 98.6% | - |
These companies have the same main activity as Advocaat Manu BANDE: activities of lawyers (NACE 69101). They are comparable in size and age: total assets between €144,000 and €162,000, founded in 2023.
Official details
Source: KBO- Status
- Active since 01-06-2023Normal situation
- Activity
- Activities of lawyersNACE 69101
- Establishment unit
- 2.345.830.9742800 Mechelen, since 01-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 01-04-2025
Annual accounts 2025
- €143,428▲ 109%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on Advocaat Manu BANDE
Advocaat Manu BANDE files the micro format. That format states no turnover. The gross margin rose from €21,366 in 2023 to €103,716 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Advocaat Manu BANDE
- What is the company number of Advocaat Manu BANDE?
- The company number of Advocaat Manu BANDE is 0802.289.077. The VAT number is the same number with BE in front: BE 0802.289.077.
- Where is Advocaat Manu BANDE based?
- The registered office is at Kauwendaal (MeSK) 29, 2800 Mechelen.Company details
- What does Advocaat Manu BANDE do?
- According to the KBO register, the main activity is activities of lawyers (NACE 69101).
- What is the legal form of Advocaat Manu BANDE?
- Advocaat Manu BANDE is a private limited company (BV).
- When was Advocaat Manu BANDE founded?
- Advocaat Manu BANDE was founded on 01-06-2023.
- Is Advocaat Manu BANDE still active?
- Yes, Advocaat Manu BANDE is an active enterprise in the KBO register.
- What is the turnover of Advocaat Manu BANDE?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €103,716 and 38 comparable companies (NACE 691). It probably lies between €140,000 and €270,000.Financials
- Is Advocaat Manu BANDE profitable?
- In financial year 2025, Advocaat Manu BANDE made a profit of €75,279.
- Where can I find the annual accounts of Advocaat Manu BANDE?
- Advocaat Manu BANDE filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Advocaat Manu BANDE due?
- Advocaat Manu BANDE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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