DELTA ADVICE
ActiveSummary
DELTA ADVICE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €379,729 and a net result of €138,571. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 68% of 11502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-8
Solvency89▲+36
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 2.74 against 1.15 in 2024; short-term debt: 35.5% and cash: 53.4% of total assets), and 35.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
64.5%
Return on assets
23.5%
Age of the figures
9 mo
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 27-04-2026, 95 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
95 d early
2024
56 d early
2023
44 d early
2022
35 d early
2021
31 d early
2020
25 d early
2019
49 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 34 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€379,729▲ 57.5%
2024 · €241,158
Total assets
€588,914▼ 31.5%
2024 · €860,063
Net result
€138,571▲ 126%
2024 · €61,305
Working capital
€364,546▲ 285%
2024 · €94,719
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€45,659▲ 489%€41,087▼ 10.0%€95,481▲ 132%€101,529▲ 6.3%€138,530▲ 36.4%
Net result€20,561within the sector's middle half▲ 1,450%€16,606within the sector's middle half▼ 19.2%€51,863above the sector's middle half▲ 212%€61,305above the sector's middle half▲ 18.2%€138,571above the sector's middle half▲ 126%
Equity€137,506within the sector's middle half▲ 17.6%€154,112within the sector's middle half▲ 12.1%€205,974above the sector's middle half▲ 33.7%€241,158above the sector's middle half▲ 17.1%€379,729above the sector's middle half▲ 57.5%
Total assets€596,673above the sector's middle half▲ 1.8%€696,172above the sector's middle half▲ 16.7%€671,484above the sector's middle half▼ 3.5%€860,063above the sector's middle half▲ 28.1%€588,914above the sector's middle half▼ 31.5%
Debt€459,167▼ 2.1%€542,060▲ 18.1%€465,510▼ 14.1%€618,904▲ 33.0%€209,184▼ 66.2%
Working capital€38,327within the sector's middle half▲ 107%€45,360within the sector's middle half▲ 18.3%€98,885within the sector's middle half▲ 118%€94,719within the sector's middle half▼ 4.2%€364,546above the sector's middle half▲ 285%
Solvency23.0%within the sector's middle half▲ 3.1pp22.1%within the sector's middle half▼ 0.9pp30.7%within the sector's middle half▲ 8.5pp28.0%within the sector's middle half▼ 2.6pp64.5%within the sector's middle half▲ 36.4pp
Current ratio1.10within the sector's middle half▲ 0.051.09within the sector's middle half=1.24within the sector's middle half▲ 0.141.15within the sector's middle half▼ 0.082.74within the sector's middle half▲ 1.59
Return on assets (ROA)3.4%within the sector's middle half▲ 3.2pp2.4%within the sector's middle half▼ 1.1pp7.7%within the sector's middle half▲ 5.3pp7.1%within the sector's middle half▼ 0.6pp23.5%above the sector's middle half▲ 16.4pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 36% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €588,914
Fixed assets
€15,183 ▼ 89.6%
Current assets
€573,731 ▼ 19.6%
Equity and liabilities €588,914
Equity
€379,729 ▲ 57.5%
Debt
€209,184 ▼ 66.2%
Debt's share of the balance-sheet total falls from 72.0% to 35.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€141,360▲
2024 · €110,179
Cash flow
€141,401▲
2024 · €69,955
Debt to equity
0.55▼
2024 · 2.57
ROE
36.5%▲
2024 · 25.4%
Interest coverage
2.67▼
2024 · 11.57
Debt ≤ 1 year
€209,184▼
2024 · €618,904
Income taxes
€27,033▼
2024 · €30,699
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €19,000 | - | €117,248 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,639 | €9,974 | €8,810 | €8,650 | €2,830 | ▼ 67.3% |
| Other operating charges640/8 | €758 | €919 | €616 | €449 | €462 | ▲ 2.8% |
| Gross operating margin9900 | €60,057 | €51,979 | €104,906 | €110,628 | €141,822 | ▲ 28.2% |
| Operating profit (loss)9901 | €45,659 | €41,087 | €95,481 | €101,529 | €138,530 | ▲ 36.4% |
| Financial income75/76B | €1 | €738 | - | - | €80,064 | - |
| Recurring financial income75 | €1 | €738 | - | - | €80,064 | - |
| Financial charges65/66B | €12,996 | €15,321 | €20,760 | €9,525 | €52,990 | ▲ 456% |
| Recurring financial charges65 | €12,996 | €15,321 | €20,760 | €9,525 | €52,990 | ▲ 456% |
| Profit (loss) for the period before taxes9903 | €32,665 | €26,505 | €74,720 | €92,004 | €165,604 | ▲ 80.0% |
| Income taxes67/77 | €12,104 | €9,899 | €22,858 | €30,699 | €27,033 | ▼ 11.9% |
| Profit (loss) for the period9904 | €20,561 | €16,606 | €51,863 | €61,305 | €138,571 | ▲ 126% |
| Profit (loss) for the period to be appropriated9905 | €20,561 | €16,606 | €51,863 | €61,305 | €138,571 | ▲ 126% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €596,673 | €696,172 | €671,484 | €860,063 | €588,914 | ▼ 31.5% |
| Fixed assets21/28 | €161,301 | €159,617 | €155,089 | €146,439 | €15,183 | ▼ 89.6% |
| Tangible fixed assets22/27 | €161,301 | €159,617 | €155,089 | €146,439 | €15,183 | ▼ 89.6% |
| Land and buildings22 | €158,072 | €155,328 | €152,082 | €144,226 | - | - |
| Furniture and vehicles24 | €3,230 | €4,289 | €3,007 | €2,213 | €15,183 | ▲ 586% |
| Current assets29/58 | €435,371 | €536,555 | €516,395 | €713,624 | €573,731 | ▼ 19.6% |
| Amounts receivable within one year40/41 | €75,875 | €127,050 | €75,395 | €24,663 | €6,681 | ▼ 72.9% |
| Trade receivables40 | €75,875 | €127,050 | €68,365 | €21,007 | €6,681 | ▼ 68.2% |
| Other amounts receivable41 | - | - | €7,030 | €3,657 | - | - |
| Current investments50/53 | €100,493 | €100,493 | €100,493 | €100,493 | €250,000 | ▲ 149% |
| Cash at bank and in hand54/58 | €256,440 | €306,899 | €338,491 | €585,972 | €314,676 | ▼ 46.3% |
| Deferred charges and accrued income490/1 | €2,563 | €2,112 | €2,016 | €2,495 | €2,373 | ▼ 4.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €596,673 | €696,172 | €671,484 | €860,063 | €588,914 | ▼ 31.5% |
| Equity10/15 | €137,506 | €154,112 | €205,974 | €241,158 | €379,729 | ▲ 57.5% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €118,906 | €135,512 | €187,374 | €222,558 | €361,129 | ▲ 62.3% |
| Non-distributable reserves130/1 | €5,787 | - | - | - | - | - |
| Reserves not available under the articles1311 | €5,787 | - | - | - | - | - |
| Distributable reserves133 | €113,119 | €135,512 | €187,374 | €222,558 | €361,129 | ▲ 62.3% |
| Amounts payable17/49 | €459,167 | €542,060 | €465,510 | €618,904 | €209,184 | ▼ 66.2% |
| Amounts payable after more than one year17 | €62,122 | €50,865 | €48,000 | - | - | - |
| Financial debts170/4 | €14,122 | €2,865 | - | - | - | - |
| Other amounts payable178/9 | €48,000 | €48,000 | €48,000 | - | - | - |
| Amounts payable within one year42/48 | €397,044 | €491,195 | €417,510 | €618,904 | €209,184 | ▼ 66.2% |
| Current portion of amounts payable after more than one year42 | €10,939 | €12,041 | €3,549 | €4,262 | - | - |
| Trade debts44 | €173,434 | €261,684 | €240,047 | €285,050 | €150,217 | ▼ 47.3% |
| Suppliers440/4 | €173,434 | €261,684 | €240,047 | €285,050 | €150,217 | ▼ 47.3% |
| Advances received on contracts in progress46 | - | - | - | €276,334 | - | - |
| Taxes, remuneration and social security45 | €5,805 | €16,532 | €7,380 | €9,323 | €35,570 | ▲ 282% |
| Taxes450/3 | €5,805 | €16,532 | €7,380 | €9,323 | €35,570 | ▲ 282% |
| Other amounts payable47/48 | €206,866 | €200,939 | €166,534 | €43,936 | €23,397 | ▼ 46.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,561 | €16,606 | €51,863 | €61,305 | €138,571 | ▲ 126% |
| + Depreciation and write-downs630 | €13,639 | €9,974 | €8,810 | €8,650 | €2,830 | ▼ 67.3% |
| Operating cash flow (approximation) | €34,200 | €26,579 | €60,672 | €69,955 | €141,401 | ▲ 102% |
| Investment in fixed assets (approximation) | - | -€8,289 | -€4,282 | €0 | €128,426 | - |
| Change in cash | - | €50,459 | €31,592 | €247,481 | -€271,295 | ▼ 210% |
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
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €138,571 ▲126%
Operating result €138,530, net result €138,571, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.74
Current ratio from 1.15 to 2.74; short-term debt falls from €618,904 to €209,184.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €205,974 ▲33.7%
6 profitable years in a row build equity to €205,974.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150,000Eq €154,112 ▲12.1%
5 profitable years in a row build equity to €154,112.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €1,327 ▼94.9%
Net result drops to €1,327, the lowest in the series; recovery starts the following year.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €115,618 ▲29.2%
2 profitable years in a row build equity to €115,618.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 144 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has 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
5 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, Hasselt · 1 establishment unit since 2006
Ground area
671 m²
Building footprint
173 m²
Volume, LiDAR
1,246 m³
Parcel 71028B0136/00N002, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
DELTA ADVICE
since 20062.158.675.513
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71028B0136/00N002 | Flanders | 671 m² | 1 · 173 m² | 10.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 180 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
967600RYBJLJJ0ZOSX67
Similar companies · same sector, comparable size
TMTS
BE 0738.992.817
Herzele · Eq €380,138
S.C.T.S.
BE 0477.328.882
Antwerpen · Eq €378,518
DON'T FORGET
BE 0438.834.532
Braine-l'Alleud · Eq €378,515
BELGOIRIN GLOBAL SUPPLY CHAIN
BE 0504.967.845
Herenthout · Eq €381,158
DRANKENHANDEL KEFO-JANNES
BE 0476.462.515
Diest · Eq €381,201
Of 6,146 companies in sector 46190 we hold annual accounts for 2,576. 1,665 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
Founded13-12-2006
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
62200Computer consultancy and computer facilities management
64210Activities of holding companies
73300Public relations and communication consultancy
82990Other business support services
78200Temporary employment agencies and other provision of personnel
E-invoicing
Reachable via Peppol
Peppol ID
0208:0885627222
Also
9925:BE0885627222
Registered
12-07-2024
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.