DISTINCTIVE ADVISORY
ActiveDISTINCTIVE ADVISORY has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €-62k. Equity is growing by ~17.5% per year across the filed fiscal years. Its solvency ranks better than 14% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
2
/ 100
Critical▼ -61 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-84
Solvency9▼-34
Growth32▼-20
Stability94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.63 against 1.36 in 2024), and 90.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.2%
Return on assets
-20.9%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 16932 sector peers (2025).
NBB · sector comparisonPosition among 16932 sector peers
Solvency
better than 14%
← weakest
strongest →
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 23-04-2026, 99 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
99 d early
2024
70 d early
2023
28 d early
2022
28 d early
2021
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 69.5%
2024 · €90k
2021: €30k
2022: €55k
2023: €88k
2024: €90k
2021 → 2025
Total assets
€298k▼ 19.8%
2024 · €372k
2021: €57k
2022: €94k
2023: €194k
2024: €372k
2021 → 2025
Net result
€-62k
2024 · €15k
2021: €27k
2022: €25k
2023: €34k
2024: €15k
2021 → 2025
Working capital
€-33k
2024 · €29k
2021: €23k
2022: €45k
2023: €67k
2024: €29k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€55k▲ 82.9%€88k▲ 61.3%€90k▲ 1.8%€27k▼ 69.5%
Operating result€36k-€35k▼ 3.1%€51k▲ 44.5%€56k▲ 9.8%€-54k
Net result€27k-€25k▼ 9.5%€34k▲ 38.5%€15k▼ 56.0%€-62k
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 €54k after €56k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €298k
Fixed assets
€242k▼ 7.3%
Current assets
€56k▼ 49.2%
Equity and liabilities €298k
Equity
€27k▼ 69.5%
Debt
€271k▼ 3.9%
The debt ratio rises from 75.9% to 90.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-29k▼
2024 · €74k
Cash flow
€-38k▼
2024 · €33k
Solvency
9.2%▼
2024 · 24.1%
Current ratio
0.63▼
2024 · 1.36
Quick ratio
0.49▼
2024 · 1.36
Debt / equity
9.91▲
2024 · 3.14
ROE
-228.3%▼
2024 · 16.8%
ROA
-20.9%▼
2024 · 4.1%
Interest coverage
-3.30▼
2024 · 2.13
Debt
€271k▼
2024 · €282k
Debt ≤ 1 year
€89k▲
2024 · €82k
Debt > 1 year
€182k▼
2024 · €200k
Income taxes
€187▼
2024 · €6k
Staff costs
€134
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€372k€298k▼
Fixed assets21/28€261k€242k▼
Intangible fixed assets21€265€78▼
Tangible fixed assets22/27€261k€242k▼
Land and buildings22€203k€198k▼
Plant, machinery and equipment23€760€829▲
Furniture and vehicles24€54k€40k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€111k€56k▼
Stocks and contracts in progress3-€13k
Stocks30/36-€13k
Amounts receivable within one year40/41€17k€19k▲
Trade receivables40€14k€19k▲
Other amounts receivable41€3k€0▼
Cash at bank and in hand54/58€92k€23k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€372k€298k▼
Equity10/15€90k€27k▼
Contributions10/11€3k€3k=
Reserves13€69k€69k=
Distributable reserves133€69k€69k=
Profit (loss) carried forward14€18k€-44k▼
Amounts payable17/49€282k€271k▼
Amounts payable after more than one year17€200k€182k▼
Financial debts170/4€200k€182k▼
Amounts payable within one year42/48€82k€89k▲
Current portion of amounts payable after more than one year42€17k€18k▲
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€697€3k▲
Suppliers440/4€697€3k▲
Taxes, remuneration and social security45€20k€11k▼
Taxes450/3€20k€11k▼
Other amounts payable47/48€41k€55k▲
Accrued charges and deferred income492/3€813€221▼
Income statement
Code20242025
Remuneration, social security and pensions62-€134
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€25k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€76k€-26k▼
Operating profit (loss)9901€56k€-54k▼
Financial income75/76B€1€69▲
Recurring financial income75€1€69▲
Financial charges65/66B€35k€9k▼
Recurring financial charges65€35k€9k▼
Profit (loss) for the period before taxes9903€21k€-62k▼
Income taxes67/77€6k€187▼
Profit (loss) for the period9904€15k€-62k▼
Profit (loss) for the period to be appropriated9905€15k€-62k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€-44k▼
Profit (loss) brought forward from the previous period14P€17k€18k▲
Profit to be distributed694/7€14k€0▼
Return on contributions (dividend)694€14k€0▼
The notes to these accounts (16 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-62k ▼513%
Net result drops to €-62k, the lowest in the series.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €34k ▲38.5%
Net result €34k, the highest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Kampenhout · 2 establishment units since 2021
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.
Torfbroeklaan 91910 KampenhoutGround area
2,076 m²
Building footprint
405 m²
Volume, LiDAR
2,945 m³
2 parcels, Flanders · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
DISTINCTIVE ADVISORY
since 20212.315.996.249
Pontstraat 3, 3190 Boortmeerbeek
since 20242.368.121.277
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24014D0025/00A002 | Flanders | 1,679 m² | 1 · 299 m² | 13.6 m · 3 fl. |
| 23008D0359/00C004 | Flanders | 397 m² | 1 · 105 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900NI9KXL8DTDME91
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 14,007 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2021
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46842Wholesale trade
47527Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.