DECLA ADVICE
ActiveDECLA ADVICE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318k and a net result of €-53k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
15
/ 100
Critical▼ -20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency10▼-47
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.21 against 6.01 in 2024), and 84.3% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€53k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 31487 sector peers (2025).
NBB · sector comparisonPosition among 31487 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
61 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
19 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€318k▼ 18.8%
2024 · €391k
2018: €45k
2019: €48k
2020: €51k
2021: €52k
2022: €53k
2023: €320k
2024: €391k
2018 → 2025
Total assets
€2.03M▲ 23.8%
2024 · €1.64M
2018: €79k
2019: €85k
2020: €123k
2021: €129k
2022: €137k
2023: €788k
2024: €1.64M
2018 → 2025
Net result
€-53k▼ 80.3%
2024 · €-29k
2018: €2k
2019: €3k
2020: €3k
2021: €840
2022: €1k
2023: €400
2024: €-29k
2018 → 2025
Working capital
€-106k
2024 · €215k
2018: €38k
2019: €26k
2020: €12k
2021: €-10k
2022: €-8k
2023: €188k
2024: €215k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€53k▲ 2.1%€320k▲ 500%€391k▲ 22.1%€318k▼ 18.8%
Operating result€3k-€3k▲ 2.3%€12k▲ 278%€3k▼ 78.4%€-16k
Net result€840-€1k▲ 28.6%€400▼ 63.0%€-29k€-53k▼ 80.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €16k after €3k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.03M
Fixed assets
€2.00M▲ 44.9%
Current assets
€29k▼ 88.8%
Equity and liabilities €2.03M
Equity
€318k▼ 18.8%
Debt
€1.71M▲ 37.2%
The debt ratio rises from 76.1% to 84.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€91k▲
2024 · €20k
Cash flow
€54k▲
2024 · €-12k
Solvency
15.7%▼
2024 · 23.9%
Current ratio
0.21▼
2024 · 6.01
Quick ratio
0.20▼
2024 · 6.01
Debt / equity
5.38▲
2024 · 3.18
ROE
-16.6%▼
2024 · -7.5%
ROA
-2.6%▼
2024 · -1.8%
Interest coverage
1.81▲
2024 · 0.61
Debt
€1.71M▲
2024 · €1.25M
Debt ≤ 1 year
€134k▲
2024 · €43k
Debt > 1 year
€1.57M▲
2024 · €1.20M
Income taxes
€0▼
2024 · €188
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€1.64M€2.03M▲
Fixed assets21/28€1.38M€2.00M▲
Tangible fixed assets22/27€1.38M€2.00M▲
Land and buildings22€1.28M€1.82M▲
Plant, machinery and equipment23€2k€74k▲
Furniture and vehicles24€12k€31k▲
Leasing and similar rights25€6k€0▼
Other tangible fixed assets26€76k€74k▼
Current assets29/58€258k€29k▼
Stocks and contracts in progress3-€2k
Stocks30/36-€2k
Amounts receivable within one year40/41€142k€19k▼
Trade receivables40€8k€19k▲
Other amounts receivable41€134k€215▼
Cash at bank and in hand54/58€115k€7k▼
Deferred charges and accrued income490/1€1k€75▼
Equity and liabilities
Total equity and liabilities10/49€1.64M€2.03M▲
Equity10/15€391k€318k▼
Contributions10/11€119k€119k=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€-29k€-82k▼
Investment grants15€267k€245k▼
Amounts payable17/49€1.25M€1.71M▲
Amounts payable after more than one year17€1.20M€1.57M▲
Financial debts170/4€1.14M€1.51M▲
Other amounts payable178/9€62k€62k=
Amounts payable within one year42/48€43k€134k▲
Current portion of amounts payable after more than one year42€21k€53k▲
Trade debts44€17k€18k▲
Suppliers440/4€17k€18k▲
Advances received on contracts in progress46-€13k
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€8k▲
Other amounts payable47/48€93€43k▲
Accrued charges and deferred income492/3€0€778▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€107k▲
Other operating charges640/8€776€2k▲
Gross operating margin9900€20k€93k▲
Operating profit (loss)9901€3k€-16k▼
Financial income75/76B€627€13k▲
Recurring financial income75€627€13k▲
Financial charges65/66B€32k€50k▲
Recurring financial charges65€32k€50k▲
Profit (loss) for the period before taxes9903€-29k€-53k▼
Income taxes67/77€188€0▼
Profit (loss) for the period9904€-29k€-53k▼
Profit (loss) for the period to be appropriated9905€-29k€-53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-82k▼
Profit (loss) brought forward from the previous period14P-€-29k
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-53k
Net result drops to €-53k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 3.58
Current ratio from 0.89 to 3.58.
31-12
Financial
Equity above €200kEq €320k ▲500%
6 profitable years in a row build equity to €320k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Highest result since 2018net €3k ▲48.6%
Net result €3k, the highest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Zuienkerke · 1 establishment unit since 2013
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.
Blankenbergse Steenweg 808377 ZuienkerkeGround area
842 m²
Building footprint
1,205 m²
Volume, LiDAR
6,852 m³
Parcel 31042B0171/00H000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Decla Advice
since 20132.224.406.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31042B0171/00H000 | Flanders | 842 m² | 1 · 1,205 m² | 10.4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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HEiWA
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Of 5,659 companies in sector 70100 we hold annual accounts for 3,479. 2,296 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2013
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
52250Logistics services
52290Warehousing and support activities for transportation
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.