Finadvu
ActiveFinadvu has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €570k and a net result of €51k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-24
Solvency89▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity short (current ratio 0.39 against 13.94 in 2024; short-term debt: 35.5% and cash: 1.8% of total assets), and 35.5% 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 →
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
5.8%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
18 d early
2024
29 d early
2023
30 d early
2022
35 d early
2021
31 d early
2020
19 d early
2019
32 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€570k▲ 9.8%
2024 · €519k
2018: €130k
2019: €163k
2020: €211k
2021: €255k
2022: €275k
2023: €369k
2024: €519k
2018 → 2025
Total assets
€884k▲ 58.2%
2024 · €559k
2018: €144k
2019: €221k
2020: €275k
2021: €327k
2022: €340k
2023: €398k
2024: €559k
2018 → 2025
Net result
€51k▼ 66.2%
2024 · €150k
2018: €32k
2019: €33k
2020: €48k
2021: €44k
2022: €20k
2023: €95k
2024: €150k
2018 → 2025
Working capital
€-191k
2024 · €512k
2018: €120k
2019: €156k
2020: €208k
2021: €247k
2022: €267k
2023: €361k
2024: €512k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€255k-€275k▲ 7.8%€369k▲ 34.4%€519k▲ 40.8%€570k▲ 9.8%
Operating result€64k-€31k▼ 51.2%€135k▲ 336%€171k▲ 26.6%€46k▼ 72.9%
Net result€44k-€20k▼ 54.6%€95k▲ 377%€150k▲ 59.1%€51k▼ 66.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €884k
Fixed assets
€761k▲ 9,525%
Current assets
€124k▼ 77.6%
Equity and liabilities €884k
Equity
€570k▲ 9.8%
Debt
€314k▲ 695%
The debt ratio rises from 7.1% to 35.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€128k▼
2024 · €175k
Cash flow
€133k▼
2024 · €154k
Solvency
64.5%▼
2024 · 92.9%
Current ratio
0.39▼
2024 · 13.94
Quick ratio
0.39▼
2024 · 13.94
Debt / equity
0.55▲
2024 · 0.08
ROE
8.9%▼
2024 · 29.0%
ROA
5.8%▼
2024 · 26.9%
Interest coverage
12.63▼
2024 · 2559.36
Debt
€314k▲
2024 · €40k
Debt ≤ 1 year
€314k▲
2024 · €40k
Income taxes
€22k▼
2024 · €67k
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€559k€884k▲
Fixed assets21/28€8k€761k▲
Tangible fixed assets22/27€8k€761k▲
Land and buildings22-€737k
Plant, machinery and equipment23€2k€910▼
Furniture and vehicles24€6k€22k▲
Financial fixed assets28€250€250=
Current assets29/58€551k€124k▼
Amounts receivable within one year40/41€22k€21k▼
Trade receivables40€22k€21k▼
Other amounts receivable41€155€114▼
Current investments50/53€442k€71k▼
Cash at bank and in hand54/58€44k€16k▼
Deferred charges and accrued income490/1€43k€16k▼
Equity and liabilities
Total equity and liabilities10/49€559k€884k▲
Equity10/15€519k€570k▲
Contributions10/11€19k€19k=
Reserves13€471k€521k▲
Tax-exempt reserves132€300€300=
Distributable reserves133€471k€521k▲
Profit (loss) carried forward14€30k€31k▲
Amounts payable17/49€40k€314k▲
Amounts payable within one year42/48€40k€314k▲
Financial debts43-€300k
Other loans439-€300k
Trade debts44€19k€2k▼
Suppliers440/4€19k€2k▼
Taxes, remuneration and social security45€19k€12k▼
Taxes450/3€19k€12k▼
Other amounts payable47/48€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€82k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€21k
Other operating charges640/8€2k€3k▲
Gross operating margin9900€177k€152k▼
Operating profit (loss)9901€171k€46k▼
Financial income75/76B€46k€36k▼
Recurring financial income75€46k€36k▼
Financial charges65/66B€68€10k▲
Recurring financial charges65€68€10k▲
Profit (loss) for the period before taxes9903€217k€73k▼
Income taxes67/77€67k€22k▼
Profit (loss) for the period9904€150k€51k▼
Profit (loss) for the period to be appropriated9905€150k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€180k€81k▼
Profit (loss) brought forward from the previous period14P€30k€30k▲
Transfer to equity691/2€150k€50k▼
To other reserves6921€150k€50k▼
The notes to these accounts (11 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €150k ▲59.1%
Operating result €171k, net result €150k, both a record.
31-12
Financial
Equity above €500kEq €519k ▲40.8%
7 profitable years in a row build equity to €519k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 13.52
Current ratio from 5.09 to 13.52; short-term debt falls from €65k to €29k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €20k ▼54.6%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €211k ▲29.4%
3 profitable years in a row build equity to €211k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €163k ▲25.9%
2 profitable years in a row build equity to €163k.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Knokke-Heist · 2 establishment units since 2017
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.
Jozef Nellenslaan 1538300 Knokke-HeistGround area
2,005 m²
Building footprint
983 m²
Volume, LiDAR
14,286 m³
2 parcels, Flanders · tallest building 26.7 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Finadvu
since 20172.260.451.574
Wandelweg 40, 2980 Zoersel
since 20262.384.946.423
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017A0291/00B000 | Flanders | 1,230 m² | 1 · 293 m² | 15.5 m · 2 fl. |
| 31013A0079/00B000 | Flanders | 775 m² | 1 · 689 m² | 26.7 m · 6 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.
Similar companies · same sector, comparable size
RUBICON CONSULTING
BE 0893.945.862
Beveren-Kruibeke-Zwijndrecht · Eq €570k
KODEKO
BE 0867.459.914
Zottegem · Eq €570k
RAAF
BE 0455.982.449
Aartselaar · Eq €570k
PROMANDO
BE 0866.948.782
Antwerpen · Eq €571k
PURE PMO
BE 0825.597.484
Sint-Lambrechts-Woluwe · Eq €571k
Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 11,401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2017
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.