CRED-M ADVISOR
ActiveSummary
CRED-M ADVISOR has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €51k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 5.88 in 2024; short-term debt: 31.8% and cash: 40% of total assets), and 31.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
68.2%
Return on assets
38%
Age of the figures
9 mo
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 20-03-2026, 133 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
133 d early
2024
118 d early
2023
71 d early
2022
39 d early
2021
33 d early
2020
55 d early
2019
58 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€91k▼ 25.0%
2024 · €122k
2019: €75k
2020: €86k
2021: €71k
2022: €98k
2023: €86k
2024: €122k
2019 → 2025
Total assets
€134k▼ 8.6%
2024 · €147k
2019: €98k
2020: €105k
2021: €82k
2022: €115k
2023: €136k
2024: €147k
2019 → 2025
Net result
€51k▼ 24.3%
2024 · €67k
2019: €11k
2020: €36k
2021: €39k
2022: €47k
2023: €46k
2024: €67k
2019 → 2025
Working capital
€82k▼ 32.8%
2024 · €121k
2019: €74k
2020: €86k
2021: €70k
2022: €97k
2023: €85k
2024: €121k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€98k▲ 39.2%€86k▼ 12.6%€122k▲ 41.9%€91k▼ 25.0%
Operating result€53k-€61k▲ 15.4%€59k▼ 3.4%€86k▲ 44.5%€64k▼ 25.1%
Net result€39k-€47k▲ 19.7%€46k▼ 2.7%€67k▲ 46.5%€51k▼ 24.3%
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 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€10k ▲ 2,428%
Current assets
€124k ▼ 15.0%
Equity and liabilities €134k
Equity
€91k ▼ 25.0%
Debt
€43k ▲ 71.5%
Debt's share of the balance-sheet total rises from 17.0% to 31.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€68k▼
2024 · €86k
Cash flow
€55k▼
2024 · €67k
Current ratio
2.91▼
2024 · 5.88
Debt to equity
0.47▲
2024 · 0.20
ROE
55.7%▲
2024 · 55.2%
ROA
38.0%▼
2024 · 45.9%
Interest coverage
340.06▲
2024 · 157.34
Debt ≤ 1 year
€43k▲
2024 · €25k
Income taxes
€14k▼
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€147k€134k▼
Fixed assets21/28€386€10k▲
Tangible fixed assets22/27€386€10k▲
Furniture and vehicles24€386€10k▲
Current assets29/58€146k€124k▼
Amounts receivable after more than one year29€52k€46k▼
Other amounts receivable291€52k€46k▼
Amounts receivable within one year40/41€22k€24k▲
Trade receivables40€14k€16k▲
Other amounts receivable41€8k€8k▼
Cash at bank and in hand54/58€72k€54k▼
Deferred charges and accrued income490/1€666€1k▲
Equity and liabilities
Total equity and liabilities10/49€147k€134k▼
Equity10/15€122k€91k▼
Contributions10/11€20k€20k=
Reserves13€11k€11k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€91k€60k▼
Amounts payable17/49€25k€43k▲
Amounts payable within one year42/48€25k€43k▲
Trade debts44€381€498▲
Suppliers440/4€381€498▲
Taxes, remuneration and social security45€25k€17k▼
Taxes450/3€25k€17k▼
Remuneration and social security454/9-€210
Other amounts payable47/48€0€25k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€193€4k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€88k€69k▼
Operating profit (loss)9901€86k€64k▼
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€545€200▼
Recurring financial charges65€545€200▼
Profit (loss) for the period before taxes9903€86k€65k▼
Income taxes67/77€19k€14k▼
Profit (loss) for the period9904€67k€51k▼
Profit (loss) for the period to be appropriated9905€67k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€122k€142k▲
Profit (loss) brought forward from the previous period14P€55k€91k▲
Profit to be distributed694/7€31k€81k▲
Return on contributions (dividend)694€31k€81k▲
The notes to these accounts (6 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €67k ▲46.5%
Operating result €86k, net result €67k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.88
Current ratio from 2.72 to 5.88; short-term debt falls from €50k to €25k.
31-12
Financial
Equity above €100kEq €122k ▲41.9%
6 profitable years in a row build equity to €122k.
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
07-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zulte · 1 establishment unit since 2016
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.
Kapellestraat 199870 ZulteGround area
478 m²
Building footprint
119 m²
Volume, LiDAR
671 m³
Parcel 44081C0003/00M008, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRED-M ADVISOR
since 20162.251.027.134
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44081C0003/00M008 | Flanders | 478 m² | 1 · 119 m² | 10.0 m · 2 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
Scaleen
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Mondoo
BE 1009.313.011
Oudergem · Eq €91,404
Atelier DEM
BE 0759.800.802
Liège · Eq €91,413
DELEU-ROSSOU
BE 0859.690.313
Schilde · Eq €91,423
S. Cayet
BE 0747.993.823
Buggenhout · Eq €91,387
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,449 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2016
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.