BL Advisory
ActiveBL Advisory has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €240k and a net result of €113k. Equity is growing by ~38.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth60=
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.61 against 22.7 in 2024), and 27.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
72.3%
Return on assets
33.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
9 d late
2024
31 d late
2023
28 d late
2022
24 d late
2021
16 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€207k▲ 5.5%
2023 · €196k
2021: €226k
2022: €193k
2023: €196k
2021 → 2024
EBIT margin
65.0%▲ 3.4pp
2023 · 61.6%
2021: 49.4%
2022: 65.4%
2023: 61.6%
2021 → 2024
Net result
€113k▲ 11.3%
2024 · €101k
2021: €79k
2022: €92k
2023: €94k
2024: €101k
2021 → 2025
Working capital
€240k▼ 34.6%
2024 · €367k
2021: €71k
2022: €168k
2023: €266k
2024: €367k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€226k-€193k▼ 14.5%€196k▲ 1.4%€207k▲ 5.5%
Equity€81k-€173k▲ 114%€266k▲ 54.2%€368k▲ 38.0%€240k▼ 34.6%
Operating result€112k-€126k▲ 13.2%€121k▼ 4.5%€134k▲ 11.3%€139k▲ 3.1%
Net result€79k-€92k▲ 16.9%€94k▲ 1.8%€101k▲ 8.1%€113k▲ 11.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€193▲ 0.2%
Current assets
€332k▼ 13.5%
Equity and liabilities €332k
Equity
€240k▼ 34.6%
Debt
€92k▲ 444%
The debt ratio rises from 4.4% to 27.7%: debt grows while equity shrinks.
Key figures and ratios
Solvency
72.3%▼
2024 · 95.6%
Current ratio
3.61▼
2024 · 22.70
Quick ratio
3.61▼
2024 · 22.70
Debt / equity
0.38▲
2024 · 0.05
ROE
46.8%▲
2024 · 27.5%
ROA
33.9%▲
2024 · 26.3%
Debt
€92k▲
2024 · €17k
Debt ≤ 1 year
€92k▲
2024 · €17k
Income taxes
€32k▼
2024 · €34k
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€384k€332k▼
Fixed assets21/28€193€193▲
Financial fixed assets28€193€193▲
Current assets29/58€384k€332k▼
Amounts receivable within one year40/41€38k€84k▲
Trade receivables40€38k€44k▲
Other amounts receivable41-€40k
Current investments50/53€289k€114k▼
Cash at bank and in hand54/58€56k€133k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€384k€332k▼
Equity10/15€368k€240k▼
Contributions10/11€2k€2k=
Reserves13€366k€171k▼
Distributable reserves133€366k€171k▼
Profit (loss) carried forward14-€68k
Amounts payable17/49€17k€92k▲
Amounts payable within one year42/48€17k€92k▲
Trade debts44€372€1k▲
Suppliers440/4€372€1k▲
Taxes, remuneration and social security45€17k€53k▲
Taxes450/3€17k€49k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€36€38k▲
Accrued charges and deferred income492/3-€8
Income statement
Code20242025
Turnover70€207k-
Non-recurring operating income76A€4k-
Goods, raw materials, services and sundry goods60/61€74k-
Remuneration, social security and pensions62€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€380-
Other operating charges640/8€731€753▲
Gross operating margin9900€137k€139k▲
Operating profit (loss)9901€134k€139k▲
Financial income75/76B€648€6k▲
Recurring financial income75€648€6k▲
Financial charges65/66B€282€203▼
Recurring financial charges65€155€203▲
Non-recurring financial charges66B€127-
Profit (loss) for the period before taxes9903€135k€145k▲
Income taxes67/77€34k€32k▼
Profit (loss) for the period9904€101k€113k▲
Profit (loss) for the period to be appropriated9905€101k€113k▲
Appropriation of the result
Profit (loss) to be appropriated9906€101k€113k▲
Transfer from equity791/2-€195k
Transfer to equity691/2€101k-
To other reserves6921€101k-
Profit to be distributed694/7-€240k
Return on contributions (dividend)694-€240k
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
2026
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Highest result since 2021net €113k ▲11.3%
Operating result €139k, net result €113k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Liquidity times 5current ratio 22.70
Current ratio from 4.36 to 22.70; short-term debt falls from €79k to €17k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €200kEq €266k ▲54.2%
3 profitable years in a row build equity to €266k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Equity above €150kEq €173k ▲114%
2 profitable years in a row build equity to €173k.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
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, Schaarbeek · 1 establishment unit since 2020
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.
Julius Hostestraat 211030 SchaarbeekGround area
208 m²
Building footprint
71 m²
Volume, LiDAR
589 m³
Parcel 21903B0032/00T002, Brussels · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BL Advisory
since 20202.308.566.841
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21903B0032/00T002 | Brussels | 208 m² | 1 · 71 m² | 10.9 m · 3 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.
Similar companies · same sector, comparable size
Solai
BE 0774.804.524
Destelbergen · Eq €240k
FACTORY SYSTEMS
BE 0869.514.730
Jalhay · Eq €240k
iDeaven
BE 0607.836.246
Aartselaar · Eq €240k
NARICK ENTERPRISES
BE 0835.175.542
Oostkamp · Eq €240k
BOCCALON IT
BE 0759.815.153
La Louvière · Eq €240k
Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 14,240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:lega.benoit@gmail.com
Phone:+32475432989
Phone:0475432989