ANDES ADVICE & CREATION
ActiveANDES ADVICE & CREATION has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80k and a net result of €14k. Equity is growing by ~36.6% per year across the filed fiscal years. Its solvency ranks better than 79% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency100▲+17
Growth52=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.12 against 1.21 in 2024; short-term debt: 17.5% and cash: 17% of total assets), and 20% 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 · 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
80%
Return on assets
13.8%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
2 d early
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 20.8%
2024 · €66k
2023: €32k
2024: €66k
2023 → 2025
Total assets
€100k▼ 11.9%
2024 · €114k
2023: €91k
2024: €114k
2023 → 2025
Net result
€14k▼ 60.2%
2024 · €35k
2023: €39k
2024: €35k
2023 → 2025
Working capital
€20k▲ 111%
2024 · €9k
2023: €16k
2024: €9k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€32k-€66k▲ 110%€80k▲ 20.8%
Operating result€48k-€46k▼ 3.2%€21k▼ 54.5%
Net result€39k-€35k▼ 10.2%€14k▼ 60.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 54% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€63k▲ 5.8%
Current assets
€37k▼ 31.4%
Equity and liabilities €100k
Equity
€80k▲ 20.8%
Debt
€20k▼ 57.8%
The debt ratio falls from 41.6% to 20.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▼
2024 · €55k
Cash flow
€27k▼
2024 · €44k
Solvency
80.0%▲
2024 · 58.4%
Current ratio
2.12▲
2024 · 1.21
Quick ratio
2.08▲
2024 · 1.19
Debt / equity
0.25▼
2024 · 0.71
ROE
17.2%▼
2024 · 52.3%
ROA
13.8%▼
2024 · 30.5%
Interest coverage
53.03▼
2024 · 60.22
Debt
€20k▼
2024 · €47k
Debt ≤ 1 year
€17k▼
2024 · €45k
Income taxes
€7k▼
2024 · €11k
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€114k€100k▼
Fixed assets21/28€59k€63k▲
Intangible fixed assets21€1€1▼
Tangible fixed assets22/27€59k€63k▲
Plant, machinery and equipment23€10k€3k▼
Furniture and vehicles24€3k€11k▲
Other tangible fixed assets26€47k€49k▲
Current assets29/58€54k€37k▼
Stocks and contracts in progress3€901€806▼
Stocks30/36€901€806▼
Amounts receivable within one year40/41€8k€19k▲
Trade receivables40€1k€9k▲
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€45k€17k▼
Deferred charges and accrued income490/1€284€735▲
Equity and liabilities
Total equity and liabilities10/49€114k€100k▼
Equity10/15€66k€80k▲
Contributions10/11€3k€3k=
Reserves13€14k€27k▲
Distributable reserves133€14k€27k▲
Profit (loss) carried forward14€50k€50k=
Amounts payable17/49€47k€20k▼
Amounts payable within one year42/48€45k€17k▼
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€21k€9k▼
Taxes450/3€21k€9k▼
Other amounts payable47/48€20k-
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€14k▲
Other operating charges640/8€448€531▲
Gross operating margin9900€56k€35k▼
Operating profit (loss)9901€46k€21k▼
Financial income75/76B€600€0▼
Recurring financial income75€600€0▼
Financial charges65/66B€921€652▼
Recurring financial charges65€921€652▼
Profit (loss) for the period before taxes9903€46k€20k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€35k€14k▼
Profit (loss) for the period to be appropriated9905€35k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€63k▲
Profit (loss) brought forward from the previous period14P€15k€50k▲
Transfer to equity691/2-€14k
To other reserves6921-€14k
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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €14k ▼60.2%
Net result drops to €14k, the lowest in the series.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro 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, Kruisem · 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.
Kalverstraat(KRU) 19770 KruisemGround area
4,644 m²
Building footprint
206 m²
Volume, LiDAR
1,101 m³
Parcel 45017A0750/00G000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ANDES A&C
since 20232.342.773.890
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017A0750/00G000 | Flanders | 4,644 m² | 1 · 206 m² | 8.8 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
2024 to 2025 · 2 entries · 861 EUR awarded · 861 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 750 EUR | 750 EUR |
| 2024 | 1 | 111 EUR | 111 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,146 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2023
Fiscal year end30-09
Abbreviation NL
ANDES A&C
Activities, NACEBEL
82990Other business support services
23450Manufacture of other non-metallic mineral products
47553Retail trade
47593Retail trade
74104Other professional, scientific and technical activities
74130Interior design
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.