CG-Advo

Active

Private limited companyfounded 20233 yrs activeLange Nieuwstraat 7, 9420 Erpe-Mere, BelgiumKBO/BCE: BE 0803.717.848

Summary

CG-Advo has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €16k. Its solvency ranks better than 45% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysis Watch Report Compare

CG-AdvoActiveChecked score 84/100

Risk analysis Report Compare

Checked score

Score 2025

84 / 100

Excellent

Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability95▼-5

Solvency77▲+21

Growth52

Track record94

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 2.42 against 1.22 in 2024; short-term debt: 22.8% and cash: 28.3% of total assets), and 47.8% of the assets are financed with debt.

Credit check for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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

Legal and accounting activities (NACE 69)

about 77% fewer bankruptcies

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

52.2%

Return on assets

21.2%

Age of the figures

15 mo

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-02-2026, 12 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 · 2 filings

Deviation from the deadline

2025

12 d late

2024

on the day

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-06-2026 close25-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€40k▲ 68.3%

2024 · €24k

2024: €24k 2025: €40k▲ +68.3% vs 2024

2024 → 2025

Total assets

€76k▼ 1.6%

2024 · €77k

2024: €77k 2025: €76k▼ -1.6% vs 2024

2024 → 2025

Net result

€16k▼ 21.8%

2024 · €21k

2024: €21k 2025: €16k▼ -21.8% vs 2024

2024 → 2025

Working capital

€25k▲ 333%

2024 · €6k

2024: €6k 2025: €25k▲ +333% vs 2024

2024 → 2025

Trend over the years

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€24k-€40k▲ 68.3% 2024: €24k 2025: €40k▲ +68.3% vs 2024

Operating result€31k-€25k▼ 20.7% 2024: €31k 2025: €25k▼ -20.7% vs 2024

Net result€21k-€16k▼ 21.8% 2024: €21k 2025: €16k▼ -21.8% vs 2024

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 21% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €76k

44.7%

55.3%

Fixed assets €34k ▼ 25.1%

Current assets €42k ▲ 31.9%

Equity and liabilities €76k

52.2%

47.8%

Equity €40k ▲ 68.3%

Debt €36k ▼ 32.3%

Debt's share of the balance-sheet total falls from 69.5% to 47.8%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€38k▼

2024 · €43k

Cash flow

€29k▼

2024 · €33k

Current ratio

2.42▲

2024 · 1.22

Debt to equity

0.92▼

2024 · 2.28

ROE

40.6%▼

2024 · 87.3%

ROA

21.2%▼

2024 · 26.6%

Interest coverage

19.30▼

2024 · 24.21

Debt ≤ 1 year

€17k▼

2024 · €26k

Debt > 1 year

€19k▼

2024 · €28k

Income taxes

€7k▼

2024 · €9k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

As filed By statement

Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines

Balance sheet Code20242025

Assets

Total assets20/58€77k€76k▼

Fixed assets21/28€45k€34k▼

Tangible fixed assets22/27€45k€34k▼

Land and buildings22€2k€1k▼

Furniture and vehicles24€44k€33k▼

Current assets29/58€32k€42k▲

Amounts receivable within one year40/41€2k€15k▲

Trade receivables40€200€10k▲

Other amounts receivable41€2k€5k▲

Cash at bank and in hand54/58€16k€22k▲

Deferred charges and accrued income490/1€15k€6k▼

Equity and liabilities

Total equity and liabilities10/49€77k€76k▼

Equity10/15€24k€40k▲

Contributions10/11€3k€3k=

Reserves13€21k€37k▲

Distributable reserves133€21k€37k▲

Amounts payable17/49€54k€36k▼

Amounts payable after more than one year17€28k€19k▼

Financial debts170/4€28k€19k▼

Amounts payable within one year42/48€26k€17k▼

Current portion of amounts payable after more than one year42€8k€9k▲

Trade debts44€6k€3k▼

Suppliers440/4€6k€3k▼

Taxes, remuneration and social security45€9k€113▼

Taxes450/3€9k€113▼

Other amounts payable47/48€3k€6k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲

Other operating charges640/8€394€829▲

Gross operating margin9900€44k€39k▼

Operating profit (loss)9901€31k€25k▼

Financial income75/76B€2€0▼

Recurring financial income75€2€0▼

Financial charges65/66B€2k€2k▲

Recurring financial charges65€2k€2k▲

Profit (loss) for the period before taxes9903€30k€23k▼

Income taxes67/77€9k€7k▼

Profit (loss) for the period9904€21k€16k▼

Profit (loss) for the period to be appropriated9905€21k€16k▼

Appropriation of the result

Profit (loss) to be appropriated9906€21k€16k▼

Transfer to equity691/2€21k€16k▼

To other reserves6921€21k€16k▼

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Accounts by statement

Income statement Balance sheet Cash flow

Line	2024	2025	Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630	€12k	€13k	▲ 8.5%
Other operating charges640/8	€394	€829	▲ 110%
Gross operating margin9900	€44k	€39k	▼ 11.6%
Operating profit (loss)9901	€31k	€25k	▼ 20.7%
Financial income75/76B	€2	€0	▼ 100%
Recurring financial income75	€2	€0	▼ 100%
Financial charges65/66B	€2k	€2k	▲ 9.6%
Recurring financial charges65	€2k	€2k	▲ 9.6%
Profit (loss) for the period before taxes9903	€30k	€23k	▼ 22.6%
Income taxes67/77	€9k	€7k	▼ 24.4%
Profit (loss) for the period9904	€21k	€16k	▼ 21.8%
Profit (loss) for the period to be appropriated9905	€21k	€16k	▼ 21.8%

Line	2024	2025	Change
Assets
Total assets20/58	€77k	€76k	▼ 1.6%
Fixed assets21/28	€45k	€34k	▼ 25.1%
Tangible fixed assets22/27	€45k	€34k	▼ 25.1%
Land and buildings22	€2k	€1k	▼ 24.9%
Furniture and vehicles24	€44k	€33k	▼ 25.1%
Current assets29/58	€32k	€42k	▲ 31.9%
Amounts receivable within one year40/41	€2k	€15k	▲ 755%
Trade receivables40	€200	€10k	▲ 5,088%
Other amounts receivable41	€2k	€5k	▲ 193%
Cash at bank and in hand54/58	€16k	€22k	▲ 37.5%
Deferred charges and accrued income490/1	€15k	€6k	▼ 60.9%
Equity and liabilities
Total equity and liabilities10/49	€77k	€76k	▼ 1.6%
Equity10/15	€24k	€40k	▲ 68.3%
Contributions10/11	€3k	€3k	=
Reserves13	€21k	€37k	▲ 78.2%
Distributable reserves133	€21k	€37k	▲ 78.2%
Amounts payable17/49	€54k	€36k	▼ 32.3%
Amounts payable after more than one year17	€28k	€19k	▼ 31.0%
Financial debts170/4	€28k	€19k	▼ 31.0%
Amounts payable within one year42/48	€26k	€17k	▼ 33.7%
Current portion of amounts payable after more than one year42	€8k	€9k	▲ 4.5%
Trade debts44	€6k	€3k	▼ 52.8%
Suppliers440/4	€6k	€3k	▼ 52.8%
Taxes, remuneration and social security45	€9k	€113	▼ 98.8%
Taxes450/3	€9k	€113	▼ 98.8%
Other amounts payable47/48	€3k	€6k	▲ 96.1%

Line	2024	2025	Change
Profit (loss) for the period9904	€21k	€16k	▼ 21.8%
+ Depreciation and write-downs630	€12k	€13k	▲ 8.5%
Operating cash flow (approximation)	€33k	€29k	▼ 10.7%
Investment in fixed assets (approximation)	-	€-2k	-
Change in cash	-	€6k	-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-01-2027

2026

12-02

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 12 days late

2025

31-01

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

0 of 1 act read

About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Erpe-Mere · 1 establishment unit since 2023

seat establishment The establishment unit on the map

Ground area

553 m²

Building footprint

161 m²

Volume, LiDAR

1,239 m³

2 parcels, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

CG-Advo

Vrijheidstraat 8, 9300 AalstActivities of lawyers

since 20232.347.552.230

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41015B0417/00B000	Flanders	484 m²	1 · 94 m²	8.3 m · 2 fl.
41002A0181/00W000	Flanders	68 m²	1 · 68 m²	11.1 m · 3 fl.

Linked by address, not proof of ownership

Good to know

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

Carole VONECHE, Avocat

BE 0787.725.518

Rixensart · Eq €39,747

HALET CHRISTOPHE, AVOCAT

Beveren-Kruibeke-Zwijndrecht · Eq €39,685

Of 22,056 companies in sector 69101 we hold annual accounts for 9,055. 7,009 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification

Legal formPrivate limited company

Founded07-07-2023

Fiscal year end30-06

Activities, NACEBEL 2025

69101Activities of lawyers

88999Other social work without accommodation

Scores and ratios are computed by Checked and are not a credit decision.