EK ADVISORY
ActiveEK ADVISORY has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €806k and a net result of €297k. Equity is growing by ~69% per year across the filed fiscal years. Its solvency ranks better than 50% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+6
Solvency80▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 5.37 against 3.27 in 2024; short-term debt: 7.4% and cash: 19.8% of total assets), and 44.6% 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 →
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
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
55.4%
Return on assets
20.4%
Age of the figures
12 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-06-2026, 34 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
34 d late
2024
26 d early
2023
22 d early
2022
30 d early
2021
10 d late
2020
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€806k▲ 58.5%
2024 · €508k
2020: €-6k
2021: €31k
2022: €141k
2023: €330k
2024: €508k
2020 → 2025
Total assets
€1.45M▲ 23.8%
2024 · €1.17M
2020: €5k
2021: €109k
2022: €1.06M
2023: €1.10M
2024: €1.17M
2020 → 2025
Net result
€297k▲ 66.6%
2024 · €178k
2020: €-8k
2021: €38k
2022: €110k
2023: €189k
2024: €178k
2020 → 2025
Working capital
€472k▲ 147%
2024 · €191k
2020: €-6k
2021: €31k
2022: €-44k
2023: €86k
2024: €191k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€141k▲ 351%€330k▲ 134%€508k▲ 54.1%€806k▲ 58.5%
Operating result€48k-€172k▲ 258%€264k▲ 52.8%€253k▼ 4.1%€427k▲ 69.1%
Net result€38k-€110k▲ 192%€189k▲ 71.9%€178k▼ 5.5%€297k▲ 66.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 69% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€874k▼ 2.8%
Current assets
€580k▲ 110%
Equity and liabilities €1.45M
Equity
€806k▲ 58.5%
Debt
€649k▼ 2.7%
The debt ratio falls from 56.7% to 44.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€467k▲
2024 · €290k
Cash flow
€337k▲
2024 · €216k
Solvency
55.4%▲
2024 · 43.3%
Current ratio
5.37▲
2024 · 3.27
Quick ratio
5.37▲
2024 · 3.27
Debt / equity
0.81▼
2024 · 1.31
ROE
36.9%▲
2024 · 35.1%
ROA
20.4%▲
2024 · 15.2%
Interest coverage
19.65▲
2024 · 12.41
Debt
€649k▼
2024 · €667k
Debt ≤ 1 year
€108k▲
2024 · €84k
Debt > 1 year
€541k▼
2024 · €582k
Income taxes
€133k▲
2024 · €59k
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€1.17M€1.45M▲
Fixed assets21/28€899k€874k▼
Tangible fixed assets22/27€899k€874k▼
Land and buildings22€778k€759k▼
Plant, machinery and equipment23€5k€9k▲
Furniture and vehicles24€14k€7k▼
Other tangible fixed assets26€102k€99k▼
Current assets29/58€276k€580k▲
Amounts receivable within one year40/41€99k€62k▼
Trade receivables40€93k€48k▼
Other amounts receivable41€6k€14k▲
Current investments50/53€153k€221k▲
Cash at bank and in hand54/58€21k€287k▲
Deferred charges and accrued income490/1€2k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.45M▲
Equity10/15€508k€806k▲
Contributions10/11€2k€2k=
Reserves13€150k€400k▲
Distributable reserves133€150k€400k▲
Profit (loss) carried forward14€356k€404k▲
Amounts payable17/49€667k€649k▼
Amounts payable after more than one year17€582k€541k▼
Financial debts170/4€582k€541k▼
Amounts payable within one year42/48€84k€108k▲
Current portion of amounts payable after more than one year42€51k€41k▼
Trade debts44€5k€13k▲
Suppliers440/4€5k€13k▲
Taxes, remuneration and social security45€8k€31k▲
Taxes450/3€8k€31k▲
Other amounts payable47/48€21k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€40k▲
Other operating charges640/8€4k€14k▲
Gross operating margin9900€294k€481k▲
Operating profit (loss)9901€253k€427k▲
Financial income75/76B€8k€26k▲
Recurring financial income75€8k€26k▲
Financial charges65/66B€23k€24k▲
Recurring financial charges65€23k€24k▲
Profit (loss) for the period before taxes9903€238k€430k▲
Income taxes67/77€59k€133k▲
Profit (loss) for the period9904€178k€297k▲
Profit (loss) for the period to be appropriated9905€178k€297k▲
Appropriation of the result
Profit (loss) to be appropriated9906€356k€654k▲
Profit (loss) brought forward from the previous period14P€178k€356k▲
Transfer to equity691/2-€250k
To other reserves6921-€250k
The notes to these accounts (9 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 34 days late
2025
30-09
Financial
Highest result since 2020net €297k ▲66.6%
Operating result €427k, net result €297k, both a record.
04-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €500kEq €508k ▲54.1%
4 profitable years in a row build equity to €508k.
08-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity doublescurrent ratio 1.77
Current ratio from 0.83 to 1.77; short-term debt falls from €261k to €113k.
30-09
Financial
Equity above €200kEq €330k ▲134%
3 profitable years in a row build equity to €330k.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100kEq €141k ▲351%
2 profitable years in a row build equity to €141k.
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
30-09
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
30-09
Financial
Liquidity triplescurrent ratio 1.40
Current ratio from 0.45 to 1.40.
20-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Dinant · 1 establishment unit since 2019
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.
Rue de Monfort 15500 DinantGround area
3,121 m²
Building footprint
313 m²
Volume, LiDAR
1,664 m³
Parcel 91034G0850/00H003, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Grow Skills Store
since 20192.295.071.963
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91034G0850/00H003 | Wallonia | 3,121 m² | 1 · 313 m² | 9.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845005EF74E6D5WDB93
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 30,151 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2019
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.