Equity
€155,725 ▲ 4.7%
D&Y. ADVICE paid out €20,000 in dividends. That is 74% of the 2025 profit.
D&Y. ADVICE
Lifetime
4 annual accounts with figures on one time axispeak €86,805 (2023)
€40,628▼ 48.5%
peak €62,667 (2023)
€26,949▼ 55.6%
peak €155,725 (2025)
€155,725▲ 4.7%
€21,481▼ 36.2%
Board1 name since 2021
1 directorDRION Daniel Nestor Stéphane Corneil
Documentsfilings and deeds
14-04-2026108 days before the deadline
2025micro format
Gross margin from €78,962 to €40,628Result from €60,636 to €26,949Dividend €20,000Debts from €33,688 to €21,481
Key points
from the 2025 annual accountsFilings
4 annual accounts 2 late
The 2023 accounts came latest: 22 days after the end of the period.
Position in the sector
87.9%
Higher solvency than 86% of companies in head offices and management consultancy. Sector median 55.5% · 39,364 companies.
Checked score
96
Excellent
Financially stronger than 71% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%highest value
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 8.18, cash €122,455
Sector: Activities of head offices; management consultancy activities (NACE 70)
Equity €155,725 (87.9% of total assets)
Size: total assets €177,207
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 93% on liquidity, 57% on profitability and 50% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as D&Y. ADVICE has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of D&Y. ADVICE itself is lower: < 0.1% within 12 months. It rests on far more data about D&Y. ADVICE than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for D&Y. ADVICE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €14,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 8.18 (5.36 in 2024), above the usual 1.5. Short-term debt is 12.1% and cash 69.1% of total assets. 12.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 14-04-2026, 108 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
108 days early
2024
143 days early
2023
22 days late
2022
21 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 52 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 18 June (3 of the last 4 accounts filed within 66 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0777516762
Registered office moved from Beufays to Beaufays
New registered office: Allée sur Sainval 8- 4052 Beaufays · Previous registered office: Haute Colline 8-4052 Beufays · General meeting of 06-06-2024 · Gazette deed
Incorporation
Founder: DRION Daniel Nestor Stéphane Corneil (comparant constituant en forme authentique) · Appointment: DRION Daniel Nestor Stéphane Corneil (director) · Registered office clause: allée Haute Colline 26, 4052 Beaufays · published on 23-11-2021 · Gazette deed
First establishment
Haute Colline 26, Chaudfontaine
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| D&Y. ADVICE Chaudfontaine | €177,207 | €40,628 | 87.9% | - |
| JFBeckers Management Geer | €155,473 | €40,039 | 18.3% | - |
| ACSJPL Liège | €155,202 | €40,975 | 8.5% | 0.8 |
| SJC Herve | €194,146 | €35,543 | 74.4% | - |
| JAN WURM CONSULTING Liège | €144,690 | €44,073 | 17.1% | - |
| SSNV Verviers | €215,503 | €45,801 | 66.3% | - |
| Callipso Dendermonde | €184,704 | €39,684 | 56.2% | - |
These companies have the same main activity as D&Y. ADVICE: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €145,000 and €216,000, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 19-11-2021Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.324.748.4214052 Chaudfontaine, since 19-11-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 11-02-2026
Annual accounts 2025
- ≈ €120,000estimated
- €177,207▼ 2.9%
- Filing
- Filed on 14-04-2026, 108 days before the end of the filing period
Insights on D&Y. ADVICE
D&Y. ADVICE files the micro format. That format states no turnover. The gross margin fell from €70,821 in 2022 to €40,628 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about D&Y. ADVICE
- What is the company number of D&Y. ADVICE?
- The company number of D&Y. ADVICE is 0777.516.762. The VAT number is the same number with BE in front: BE 0777.516.762.
- Where is D&Y. ADVICE based?
- The registered office is at Allée sur Sainval 8, 4052 Chaudfontaine.Company details
- What does D&Y. ADVICE do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of D&Y. ADVICE?
- D&Y. ADVICE is a private limited company (BV).
- When was D&Y. ADVICE founded?
- D&Y. ADVICE was founded on 19-11-2021.
- Is D&Y. ADVICE still active?
- Yes, D&Y. ADVICE is an active enterprise in the KBO register.
- What is the turnover of D&Y. ADVICE?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €40,628 and 144 comparable companies (NACE 70200). It probably lies between €71,000 and €160,000.Financials
- Is D&Y. ADVICE profitable?
- In financial year 2025, D&Y. ADVICE made a profit of €26,949.
- Where can I find the annual accounts of D&Y. ADVICE?
- D&Y. ADVICE filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of D&Y. ADVICE due?
- D&Y. ADVICE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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