BDL ADVIES
ActiveBDL ADVIES 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 €20k and a net result of €190k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 6% of 2384 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 2384 sector peers (2025).
NBB · sector comparisonPosition among 2384 sector peers
Solvency
better than 6%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
61 d late
2023
29 d late
2022
29 d late
2021
on the day
2020
30 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€20k=
2024 · €20k
2020: €15k
2021: €20k
2022: €20k
2023: €20k
2024: €20k
2020 → 2025
Net result
€190k▲ 138%
2024 · €80k
2020: €44k
2021: €134k
2022: €144k
2023: €68k
2024: €80k
2020 → 2025
Total assets
€1.01M▼ 29.9%
2024 · €1.44M
2020: €2.71M
2021: €2.49M
2022: €2.35M
2023: €1.85M
2024: €1.44M
2020 → 2025
Solvency
2.0%▲ 0.6pp
2024 · 1.4%
2020: 0.5%
2021: 0.8%
2022: 0.9%
2023: 1.1%
2024: 1.4%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€20k=€20k=€20k=
Operating result€168k-€174k▲ 3.7%€96k▼ 44.9%€101k▲ 4.8%€209k▲ 108%
Net result€134k-€144k▲ 7.5%€68k▼ 52.8%€80k▲ 17.7%€190k▲ 138%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 108% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€715k▼ 39.4%
Current assets
€292k▲ 13.7%
Equity and liabilities €1.01M
Equity
€20k=
Debt
€987k▼ 30.3%
The debt ratio falls from 98.6% to 98.0%: debt is paid down.
Key figures and ratios
Solvency
2.0%▲
2024 · 1.4%
ROE
950.6%▲
2024 · 400.1%
ROA
18.9%▲
2024 · 5.6%
Debt
€987k▼
2024 · €1.42M
Debt ≤ 1 year
€868k▲
2024 · €818k
Debt > 1 year
€119k▼
2024 · €598k
Income taxes
€5k▲
2024 · €531
Staff costs
€561k▼
2024 · €610k
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€1.44M€1.01M▼
Fixed assets21/28€1.18M€715k▼
Intangible fixed assets21€996k€619k▼
Tangible fixed assets22/27€183k€96k▼
Furniture and vehicles24€179k€92k▼
Other tangible fixed assets26€4k€4k▲
Current assets29/58€257k€292k▲
Amounts receivable within one year40/41€175k€193k▲
Trade receivables40€172k€190k▲
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€65k€79k▲
Deferred charges and accrued income490/1€16k€20k▲
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.01M▼
Equity10/15€20k€20k=
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Amounts payable17/49€1.42M€987k▼
Amounts payable after more than one year17€598k€119k▼
Financial debts170/4€598k€119k▼
Amounts payable within one year42/48€818k€868k▲
Current portion of amounts payable after more than one year42€525k€479k▼
Trade debts44€4k€999▼
Suppliers440/4€4k€999▼
Taxes, remuneration and social security45€117k€101k▼
Taxes450/3€17k€13k▼
Remuneration and social security454/9€100k€88k▼
Other amounts payable47/48€172k€288k▲
Accrued charges and deferred income492/3€262-
Income statement
Code20242025
Non-recurring operating income76A-€11k
Remuneration, social security and pensions62€610k€561k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€443k€438k▼
Other operating charges640/8€3k€7k▲
Gross operating margin9900€1.16M€1.22M▲
Operating profit (loss)9901€101k€209k▲
Financial income75/76B€3€32▲
Recurring financial income75€3€32▲
Financial charges65/66B€20k€14k▼
Recurring financial charges65€20k€14k▼
Profit (loss) for the period before taxes9903€81k€195k▲
Income taxes67/77€531€5k▲
Profit (loss) for the period9904€80k€190k▲
Profit (loss) for the period to be appropriated9905€80k€190k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€190k▲
Profit to be distributed694/7€80k€190k▲
Directors or managers695€80k€190k▲
Social balance
Average headcount (FTE)90879.99.0▼
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2020net €190k ▲138%
Operating result €209k, net result €190k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
21-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Berlare · 3 establishment units since 2019
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.
Nieuwstraat(B) 119290 BerlareGround area
1,656 m²
Building footprint
689 m²
Volume, LiDAR
4,164 m³
3 parcels, Flanders · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.
3 establishment units
BDL ADVIES
since 20192.294.127.303
BDL ADVIES
since 20192.315.309.826
BDL ADVIES
since 20192.315.309.925
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42006E0168/00H000 | Flanders | 894 m² | 1 · 181 m² | 13.8 m · 4 fl. |
| 42003B0161/00V004 | Flanders | 499 m² | 1 · 299 m² | 9.9 m · 1 fl. |
| 42011B0478/00W004 | Flanders | 263 m² | 1 · 209 m² | 9.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
2023 to 2025 · 4 entries · 2,663 EUR awarded · 2,288 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 654 EUR | 279 EUR |
| 2024 | 1 | 0 EUR | 78 EUR |
| 2023 | 2 | 2,009 EUR | 1,931 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 231 companies in sector 64190 we hold annual accounts for 109. 36 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2019
Fiscal year end31-12
Activities, NACEBEL
64190Financial service activities, except insurance and pension funding
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.