BEDRIJFSADVIES EN CONSULTANCY
ActiveBEDRIJFSADVIES EN CONSULTANCY has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.89M and a net result of €103k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 89% of 12665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 9.08 against 6.32 in 2024; short-term debt: 7.6% and cash: 6.4% of total assets), and 10.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
89.8%
Return on assets
4.9%
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 23-12-2025, 128 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
128 d early
2024
125 d early
2023
124 d early
2022
123 d early
2021
123 d early
2020
115 d early
2019
136 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
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.89M▲ 5.8%
2024 · €1.79M
2018: €1.34M
2019: €1.39M
2020: €1.45M
2021: €1.54M
2022: €1.58M
2023: €1.69M
2024: €1.79M
2018 → 2025
Total assets
€2.11M▲ 0.7%
2024 · €2.09M
2018: €1.42M
2019: €1.47M
2020: €1.56M
2021: €1.60M
2022: €1.87M
2023: €2.01M
2024: €2.09M
2018 → 2025
Net result
€103k▲ 4.8%
2024 · €99k
2018: €39k
2019: €52k
2020: €59k
2021: €92k
2022: €44k
2023: €110k
2024: €99k
2018 → 2025
Working capital
€1.30M▲ 11.0%
2024 · €1.17M
2018: €750k
2019: €722k
2020: €768k
2021: €902k
2022: €805k
2023: €1.01M
2024: €1.17M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.54M-€1.58M▲ 2.9%€1.69M▲ 6.9%€1.79M▲ 5.8%€1.89M▲ 5.8%
Operating result€141k-€76k▼ 46.0%€158k▲ 108%€139k▼ 12.1%€139k▲ 0.1%
Net result€92k-€44k▼ 52.6%€110k▲ 150%€99k▼ 10.0%€103k▲ 4.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 0% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.11M
Fixed assets
€650k▼ 7.7%
Current assets
€1.46M▲ 5.0%
Equity and liabilities €2.11M
Equity
€1.89M▲ 5.8%
Debt
€214k▼ 29.1%
The debt ratio falls from 14.5% to 10.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€194k▼
2024 · €197k
Cash flow
€158k▲
2024 · €156k
Solvency
89.8%▲
2024 · 85.5%
Current ratio
9.08▲
2024 · 6.32
Quick ratio
9.08▲
2024 · 6.32
Debt / equity
0.11▼
2024 · 0.17
ROE
5.5%▼
2024 · 5.5%
ROA
4.9%▲
2024 · 4.7%
Interest coverage
19.53▲
2024 · 15.29
Debt
€214k▼
2024 · €303k
Debt ≤ 1 year
€161k▼
2024 · €220k
Income taxes
€39k▲
2024 · €36k
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€2.09M€2.11M▲
Fixed assets21/28€705k€650k▼
Tangible fixed assets22/27€705k€650k▼
Land and buildings22€705k€650k▼
Current assets29/58€1.39M€1.46M▲
Current investments50/53€1.31M€1.32M▲
Cash at bank and in hand54/58€82k€134k▲
Equity and liabilities
Total equity and liabilities10/49€2.09M€2.11M▲
Equity10/15€1.79M€1.89M▲
Contributions10/11€19k€19k=
Reserves13€1.54M€1.53M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€152k€141k▼
Distributable reserves133€1.39M€1.39M=
Profit (loss) carried forward14€228k€342k▲
Amounts payable17/49€303k€214k▼
Amounts payable within one year42/48€220k€161k▼
Trade debts44€63k€1k▼
Suppliers440/4€63k€1k▼
Taxes, remuneration and social security45€4k€13k▲
Taxes450/3€4k€13k▲
Other amounts payable47/48€153k€147k▼
Accrued charges and deferred income492/3€83k€54k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€54k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€202k€200k▼
Operating profit (loss)9901€139k€139k▲
Financial income75/76B€8k€13k▲
Recurring financial income75€8k€13k▲
Financial charges65/66B€13k€10k▼
Recurring financial charges65€13k€10k▼
Profit (loss) for the period before taxes9903€135k€142k▲
Income taxes67/77€36k€39k▲
Profit (loss) for the period9904€99k€103k▲
Transfer from tax-exempt reserves789€10k€10k=
Profit (loss) for the period to be appropriated9905€109k€113k▲
Appropriation of the result
Profit (loss) to be appropriated9906€228k€342k▲
Profit (loss) brought forward from the previous period14P€120k€228k▲
The notes to these accounts (4 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
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
26-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-09
Financial
Highest result since 2018net €110k ▲150%
Operating result €158k, net result €110k, both a record.
2022
28-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-09
Financial
Liquidity quadruplescurrent ratio 39.51
Current ratio from 9.52 to 39.51; short-term debt falls from €90k to €23k.
05-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Heist-op-den-Berg · 1 establishment unit since 1992
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.
Boudewijnlaan 41C2220 Heist-op-den-BergGround area
3,026 m²
Building footprint
403 m²
Volume, LiDAR
2,869 m³
2 parcels, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Boudewijnlaan 41 C, 2220 Heist-op-den-Berg
since 19922.057.665.354
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12014K0658/00D004 | Flanders | 1,619 m² | 1 · 151 m² | 11.4 m · 3 fl. |
| 12014K0654/00M010 | Flanders | 1,407 m² | 1 · 252 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
WERNER & MERTZ BENELUX
BE 0415.537.409
Nivelles · Eq €1.84M
DEDECKER BEHEER
BE 0433.487.258
Middelkerke · Eq €1.82M
EMMEN
BE 0849.142.750
Beveren-Kruibeke-Zwijndrecht · Eq €1.81M
DENIMMO
BE 0440.494.618
Gembloux · Eq €1.81M
PHG ASSET MANAGEMENT
BE 0866.158.926
Elsene · Eq €1.79M
Of 2,266 companies in sector 69209 we hold annual accounts for 1,097. 466 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-04-1992
Fiscal year end30-09
Abbreviation NL
B. en C.
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.