be-advised
Annual accounts 2025
micro format, filed on 22-07-2026, 9 days before the deadline€124,284
▼ 14.9%
€124,824
▼ 20.1%
-€21,715
▼ €40,745
99.6%
▲ 6.2 percentage points
-17.5%
▼ 30.5 percentage points
-17.4%
▼ 29.6 percentage points
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €124,824 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
99.6%
Higher than 95% of 9,770 companies in 2025.
-17.4%
Lower than 95% of 9,624 companies in 2025.
be-advised
Middle half of the sector
80% of the sector
Micro accounts in financial services (NACE 64)
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||||
20/58 |
124,824 | 156,310 | 156,156 | 156,388 | 170,044 | 160,597 | 142,439 | 119,832 | 106,036 | 79,358 | 73,705 | 69,246 | 64,310 | |
21/28 |
10,610 | 14,172 | 13,308 | 15,957 | 17,027 | 9,123 | 10,177 | 13,230 | 2,727 | 4,024 | 2,562 | 2,463 | 15,329 | |
22/27 |
9,610 | 13,172 | 12,308 | 14,957 | 16,027 | 8,123 | 9,177 | 13,230 | 2,727 | 3,969 | 2,562 | 2,463 | 15,329 | |
23 |
379 | 763 | 1,147 | 1,530 | 2,128 | - | - | - | 270 | 540 | 810 | 1,080 | - | |
24 |
9,230 | 12,409 | 11,161 | 13,427 | 13,899 | 8,123 | 9,177 | 13,230 | 2,457 | 3,429 | 1,752 | 1,383 | 15,329 | |
28 |
1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | - | - | 55 | - | - | - | |
29/58 |
114,215 | 142,138 | 142,848 | 140,431 | 153,017 | 151,473 | 132,262 | 106,602 | 103,309 | 75,334 | 71,144 | 66,783 | 48,981 | |
29 |
- | 0 | 6,000 | - | - | - | - | - | - | - | - | - | - | |
291 |
- | 0 | 6,000 | - | - | - | - | - | - | - | - | - | - | |
40/41 |
7,196 | 15,886 | 16,434 | 16,088 | 16,424 | 6,951 | 32,148 | 14,825 | 32,828 | 20,471 | 26,972 | 18,688 | 6,065 | |
40 |
0 | 12,664 | 14,667 | 13,041 | 11,011 | 2,491 | 32,148 | 13,383 | 32,707 | 19,110 | 21,970 | 12,136 | 5,687 | |
41 |
7,196 | 3,222 | 1,767 | 3,047 | 5,413 | 4,460 | - | 1,442 | 121 | 1,360 | 5,002 | 6,551 | 378 | |
50/53 |
96,928 | 96,485 | 84,264 | 68,324 | 54,452 | 43,932 | 32,418 | 26,146 | - | - | - | - | - | |
54/58 |
9,588 | 26,259 | 32,866 | 46,731 | 79,123 | 96,799 | 64,197 | 61,986 | 68,187 | 52,667 | 41,427 | 44,917 | 40,522 | |
490/1 |
503 | 3,508 | 3,284 | 9,288 | 3,018 | 3,792 | 3,499 | 3,645 | 2,295 | 2,196 | 2,745 | 3,178 | 2,394 | |
| Balance sheet: equity and liabilities | ||||||||||||||
10/49 |
124,824 | 156,310 | 156,156 | 156,388 | 170,044 | 160,597 | 142,439 | 119,832 | 106,036 | 79,358 | 73,705 | 69,246 | 64,310 | |
10/15 |
124,284 | 145,998 | 131,968 | 132,405 | 135,462 | 148,090 | 131,655 | 102,468 | 87,203 | 61,656 | 58,673 | 43,167 | 41,555 | |
10/11 |
19,000 | 19,000 | 20,900 | 20,900 | 20,900 | 19,000 | 19,000 | 19,000 | 19,000 | 19,000 | 6,333 | 6,333 | 6,333 | |
100 |
- | - | - | - | - | - | 19,000 | 19,000 | 19,000 | 19,000 | 19,000 | 19,000 | 19,000 | |
101 |
- | - | - | - | - | - | - | - | - | - | 12,667 | 12,667 | 12,667 | |
13 |
102,400 | 102,400 | 96,500 | 97,000 | 100,500 | 94,441 | 78,441 | 63,390 | 48,284 | 28,177 | 13,071 | 1,989 | 1,900 | |
130/1 |
- | - | - | - | - | 1,900 | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 1,900 | 1,900 | 1,900 | 1,900 | 1,900 | 1,900 | 1,900 | |
1311 |
- | - | - | - | - | 1,900 | - | - | - | - | - | - | - | |
132 |
- | - | - | - | - | 541 | 541 | 490 | 384 | 277 | 171 | 89 | - | |
133 |
102,400 | 102,400 | 96,500 | 97,000 | 100,500 | 92,000 | 76,000 | 61,000 | 46,000 | 26,000 | 11,000 | - | - | |
14 |
2,884 | 24,598 | 14,568 | 14,505 | 14,062 | 34,649 | 34,214 | 20,079 | 19,919 | 14,478 | 39,268 | 34,845 | 33,321 | |
17/49 |
540 | 10,312 | 24,188 | 23,983 | 34,582 | 12,507 | 10,783 | 17,364 | 18,833 | 17,703 | 15,032 | 26,079 | 22,756 | |
17 |
- | - | - | - | - | - | - | - | - | - | - | - | 12,581 | |
170/4 |
- | - | - | - | - | - | - | - | - | - | - | - | 12,581 | |
42/48 |
540 | 10,312 | 24,136 | 23,793 | 34,372 | 12,344 | 10,600 | 16,945 | 16,769 | 17,377 | 14,860 | 26,079 | 10,082 | |
42 |
- | - | - | - | - | - | - | - | - | - | - | - | 4,750 | |
44 |
403 | 1,676 | 1,122 | 3,362 | 4,287 | 6,889 | 5,293 | 10,059 | 1,818 | 2,664 | 1,909 | 5,616 | 421 | |
440/4 |
403 | 1,676 | 1,122 | 3,362 | 4,287 | 6,889 | 5,293 | 10,059 | 1,818 | 2,664 | 1,909 | 5,616 | 421 | |
45 |
137 | 3,635 | 3,015 | 3,145 | 1,999 | 2,207 | 1,864 | 1,597 | 8,417 | 4,515 | 4,194 | 2,963 | 3,752 | |
450/3 |
137 | 3,635 | 2,810 | 3,145 | 1,944 | 2,207 | 1,864 | 1,216 | 8,417 | 4,243 | 4,170 | 2,636 | 3,752 | |
454/9 |
- | 0 | 205 | - | 54 | - | - | 381 | - | 272 | 23 | 327 | - | |
47/48 |
0 | 5,000 | 20,000 | 17,286 | 28,087 | 3,248 | 3,443 | 5,289 | 6,534 | 10,198 | 8,757 | 17,500 | 1,159 | |
492/3 |
- | 0 | 51 | 191 | 210 | 162 | 183 | 419 | 2,064 | 326 | 173 | - | 93 | |
| Income statement | ||||||||||||||
9900 |
-18,796 | 33,793 | 33,685 | 22,062 | 29,670 | 28,375 | 45,803 | 47,792 | 46,655 | 38,352 | 27,026 | 33,432 | 67,600 | |
630 |
3,562 | 3,703 | 2,554 | 2,359 | 1,681 | 3,653 | 4,053 | 4,690 | 2,111 | 2,192 | 1,247 | 1,699 | 12,821 | |
640/8 |
432 | 780 | 4,695 | 617 | 504 | 690 | 658 | 528 | 890 | 902 | 1,047 | 827 | 1,042 | |
9901 |
-22,790 | 29,310 | 26,437 | 19,085 | 27,485 | 24,033 | 41,092 | 42,575 | 43,654 | 35,258 | 24,733 | 30,907 | 53,737 | |
75/76B |
1,681 | 1,481 | 451 | 882 | 698 | 657 | 184 | 60 | 93 | 34 | 142 | 444 | 261 | |
75 |
1,681 | 1,481 | 451 | 882 | 698 | 657 | 184 | 60 | 93 | 34 | 142 | 444 | 261 | |
65/66B |
439 | 3,755 | -970 | 2,078 | 1,537 | 1,712 | 1,478 | 2,142 | 877 | 1,120 | 1,177 | 1,643 | 1,142 | |
65 |
439 | 3,755 | -970 | 2,078 | 1,537 | 1,712 | 1,478 | 2,142 | 877 | 1,120 | 1,177 | 1,643 | 1,142 | |
9903 |
-21,548 | 27,037 | 27,858 | 17,890 | 26,646 | 22,978 | 39,798 | 40,493 | 42,869 | 34,172 | 23,698 | 29,708 | 52,855 | |
67/77 |
166 | 8,006 | 8,295 | 5,947 | 7,274 | 6,544 | 10,611 | 10,227 | 14,872 | 13,857 | 7,392 | 10,595 | 16,814 | |
9904 |
-21,715 | 19,031 | 19,563 | 11,943 | 19,372 | 16,434 | 29,187 | 30,266 | 27,997 | 20,316 | 16,306 | 19,112 | 36,041 | |
789 |
- | - | - | - | 541 | - | - | - | - | - | - | - | - | |
689 |
- | - | - | - | - | - | 51 | 106 | 106 | 106 | 82 | 89 | - | |
9905 |
-21,715 | 19,031 | 19,563 | 11,943 | 19,914 | 16,434 | 29,136 | 30,159 | 27,891 | 20,210 | 16,224 | 19,023 | 36,041 | |
| Appropriation of the result | ||||||||||||||
9906 |
2,884 | 33,598 | 34,068 | 26,005 | 54,562 | 50,649 | 49,214 | 50,079 | 42,369 | 59,478 | 51,068 | 52,345 | 36,041 | |
14P |
24,598 | 14,568 | 14,505 | 14,062 | 34,649 | - | - | - | - | - | - | - | - | |
791/2 |
0 | 5,000 | 20,000 | 15,000 | 11,000 | - | - | - | - | - | - | - | - | |
691/2 |
0 | 9,000 | 19,500 | 11,500 | 19,500 | 16,000 | 15,000 | 15,000 | 20,000 | 15,000 | 11,000 | - | 1,900 | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | - | 1,900 | |
6921 |
0 | 9,000 | 19,500 | 11,500 | 19,500 | 16,000 | 15,000 | 15,000 | 20,000 | 15,000 | 11,000 | - | - | |
694/7 |
0 | 5,000 | 20,000 | 15,000 | 32,000 | - | - | 15,000 | 2,450 | 30,000 | 800 | 17,500 | 820 | |
694 |
0 | 5,000 | 20,000 | 15,000 | 32,000 | - | - | 15,000 | 2,450 | 30,000 | 800 | 17,500 | 820 | |
| Document | ||||||||||||||
The notes to these accounts have 8 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 22-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 22-07-2026 | 2026-00316729 | |
| 31-12-2024 | micro format | 17-07-2025 | 2025-00278265 | |
| 31-12-2023 | micro format | 23-05-2024 | 2024-00093340 | |
| 31-12-2022 | micro format | 19-06-2023 | 2023-00134714 | |
| 31-12-2021 | micro format | 29-06-2022 | 2022-20104485 | |
| 31-12-2020 | micro format | 20-07-2021 | 2021-38100378 | |
| 31-12-2019 | micro format | 19-07-2020 | 2020-31900448 | |
| 31-12-2018 | micro format | 02-07-2019 | 2019-28800326 | |
| 31-12-2017 | micro format | 05-06-2018 | 2018-16300210 | |
| 31-12-2016 | micro format | 11-07-2017 | 2017-30900500 | |
| 31-12-2015 | abbreviated format | 29-06-2016 | 2016-25300316 | |
| 31-12-2014 | abbreviated format | 09-07-2015 | 2015-29800571 | |
| 31-12-2013 | abbreviated format | 18-06-2014 | 2014-19100501 |
Subsidies and aid
Flemish government 2022, 1 entry, €867 awarded, €867 paid
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 4,567 | -96 | 1,290 | 15,368 | 2,599 | 1,000 | 15,192 | 869 | 3,654 | 1,396 | 2,718 | 28,151 | ||
| -16,671 | -6,607 | -13,865 | -32,392 | -17,675 | 32,602 | 2,210 | -6,201 | 15,520 | 11,240 | -3,490 | 4,395 | - | ||
| 99.6% | 93.4% | 84.5% | 84.7% | 79.7% | 92.2% | 92.4% | 85.5% | 82.2% | 77.7% | 79.6% | 62.3% | 64.6% | ||
| -17.5% | 13.0% | 14.8% | 9.0% | 14.3% | 11.1% | 22.2% | 29.5% | 32.1% | 33.0% | 27.8% | 44.3% | 86.7% | ||
| -17.4% | 12.2% | 12.5% | 7.6% | 11.4% | 10.2% | 20.5% | 25.3% | 26.4% | 25.6% | 22.1% | 27.6% | 56.0% |
A ratio outside any meaningful range has been withheld (balance sheet total €124,824, equity €124,284).
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 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €4,567 | - | €1,290 | €15,368 |
| €3,562 | €3,703 | €2,554 | €2,359 | €1,681 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on be-advised
The operating result for 2025 is a loss of €22,790, after a profit of €29,310 in 2024. It is the lowest result since 2013.
Debt's share of the balance-sheet total falls from 6.6% to 0.4%. Equity and debt are lower.