AVISE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €391k and a net result of €62k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 2430 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 13-05-2026, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
93 d early
2023
40 d early
2022
49 d early
2021
61 d late
2020
86 d late
2019
101 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€391k▲ 18.7%
2024 · €330k
2018: €133k
2019: €165k
2020: €-2k
2021: €280k
2022: €335k
2023: €307k
2024: €330k
2018 → 2025
Net result
€62k▲ 171%
2024 · €23k
2018: €13k
2019: €33k
2020: €-167k
2021: €32k
2022: €55k
2023: €-28k
2024: €23k
2018 → 2025
Total assets
€1.51M▲ 11.9%
2024 · €1.35M
2018: €684k
2019: €1.01M
2020: €1.07M
2021: €1.95M
2022: €1.80M
2023: €1.76M
2024: €1.35M
2018 → 2025
Solvency
25.9%▲ 1.5pp
2024 · 24.4%
2018: 19.4%
2019: 16.3%
2020: -0.2%
2021: 14.3%
2022: 18.6%
2023: 17.4%
2024: 24.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€280k-€335k▲ 19.5%€307k▼ 8.3%€330k▲ 7.4%€391k▲ 18.7%
Operating result€33k-€59k▲ 76.5%€-26k€25k€90k▲ 259%
Net result€32k-€55k▲ 70.2%€-28k€23k€62k▲ 171%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 259% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.51M
Fixed assets
€148k▲ 2,961%
Current assets
€1.37M▲ 1.3%
Equity and liabilities €1.51M
Equity
€391k▲ 18.7%
Debt
€1.12M▲ 9.7%
The debt ratio falls from 75.6% to 74.1%. Equity and debt are higher.
Key figures and ratios
Solvency
25.9%▲
2024 · 24.4%
ROE
15.7%▲
2024 · 6.9%
ROA
4.1%▲
2024 · 1.7%
Debt
€1.12M▲
2024 · €1.02M
Debt ≤ 1 year
€851k▲
2024 · €779k
Income taxes
€27k▲
2024 · €522
Staff costs
€487k▲
2024 · €463k
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€1.35M€1.51M▲
Fixed assets21/28€5k€148k▲
Intangible fixed assets21€5k€148k▲
Current assets29/58€1.35M€1.37M▲
Amounts receivable within one year40/41€564k€520k▼
Trade receivables40€561k€518k▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€761k€831k▲
Deferred charges and accrued income490/1€23k€14k▼
Equity and liabilities
Total equity and liabilities10/49€1.35M€1.51M▲
Equity10/15€330k€391k▲
Contributions10/11€358k€358k=
Capital10€358k€358k=
Issued capital100€358k€358k=
Reserves13€26k€29k▲
Non-distributable reserves130/1€11k€14k▲
Legal reserve130€11k€14k▲
Tax-exempt reserves132€15k€15k=
Profit (loss) carried forward14€-54k€5k▲
Amounts payable17/49€1.02M€1.12M▲
Amounts payable within one year42/48€779k€851k▲
Trade debts44€684k€725k▲
Suppliers440/4€684k€725k▲
Taxes, remuneration and social security45€95k€126k▲
Taxes450/3€1k€28k▲
Remuneration and social security454/9€94k€98k▲
Accrued charges and deferred income492/3€244k€271k▲
Income statement
Code20242025
Non-recurring operating income76A€23k€18k▼
Remuneration, social security and pensions62€463k€487k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€26k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€23k€-11k▼
Other operating charges640/8€23k€53k▲
Non-recurring operating charges66A€42k€1k▼
Gross operating margin9900€581k€646k▲
Operating profit (loss)9901€25k€90k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€23k€88k▲
Income taxes67/77€522€27k▲
Profit (loss) for the period9904€23k€62k▲
Profit (loss) for the period to be appropriated9905€23k€62k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-54k€8k▲
Profit (loss) brought forward from the previous period14P€-77k€-54k▲
Transfer to equity691/2-€3k
To the legal reserve6920-€3k
The notes to these accounts (6 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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €62k ▲171%
Operating result €90k, net result €62k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Equity above €200kEq €280k
Equity rises from €-2k to €280k.
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
31-12
Financial
Weakest financial yearnet €-167k ▼612%
Net result drops to €-167k, the lowest in the series; recovery starts the following year.
21-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €150kEq €165k ▲24.6%
2 profitable years in a row build equity to €165k.
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 14 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 acts for this company are 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, Wavre · 1 establishment unit since 2003
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.
Avenue Lavoisier 18 A1300 WavreGround area
3,107 m²
Building footprint
726 m²
Parcel 25112C0005/00Z000, Wallonia. Linked by address, not a title deed.
1 establishment unit
AVISE
since 20032.133.475.309
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112C0005/00Z000 | Wallonia | 3,107 m² | 1 · 726 m² | - |
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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,680 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-10-2003
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.