DISTINCTIVE ADVISORY
ActiveSummary
The annual accounts of DISTINCTIVE ADVISORY for fiscal year 2025 show a net loss of 70% of the equity at the start of that year. 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 17043 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-42
Solvency34▼-15
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.63 against 1.36 in 2024; short-term debt: 29.9% and cash: 7.9% of total assets), and 90.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 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 →
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
€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 result in the available series.
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%
Debt's share of the balance-sheet total rises from 75.9% to 90.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-29k▼
2024 · €74k
Cash flow
€-38k▼
2024 · €33k
Current ratio
0.63▼
2024 · 1.36
Quick ratio
0.49▼
2024 · 1.36
Debt to 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 ≤ 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 to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 52 lines
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 29,996 companies in sector 62200 we hold annual accounts for 18,393. 14,052 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
Founded17-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46842Wholesale trade
47527Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.