Frontwise Advice
ActiveFrontwise Advice has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €202k and a net result of €121k. Its solvency ranks better than 71% of 7031 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+5
Growth78
Track record82
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days only on tighter terms
Liquidity ample (current ratio 2.86 against 1.84 in 2024; short-term debt: 24.1% and cash: 18.3% of total assets), and 24.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
75.5%
Return on assets
45%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
16 d early
2024
30 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€202k▲ 148%
2024 · €82k
2024: €82k
2024 → 2025
Total assets
€268k▲ 131%
2024 · €116k
2024: €116k
2024 → 2025
Net result
€121k▲ 51.6%
2024 · €80k
2024: €80k
2024 → 2025
Working capital
€120k▲ 330%
2024 · €28k
2024: €28k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€82k-€202k▲ 148%
Operating result€101k-€153k▲ 51.5%
Net result€80k-€121k▲ 51.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 52% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €268k
Fixed assets
€83k▲ 51.9%
Current assets
€185k▲ 201%
Equity and liabilities €268k
Equity
€202k▲ 148%
Debt
€66k▲ 90.3%
The debt ratio falls from 29.7% to 24.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€168k▲
2024 · €110k
Cash flow
€136k▲
2024 · €88k
Solvency
75.5%▲
2024 · 70.3%
Current ratio
2.86▲
2024 · 1.84
Quick ratio
2.86▲
2024 · 1.84
Debt / equity
0.32▼
2024 · 0.42
ROE
59.7%▼
2024 · 97.6%
ROA
45.0%▼
2024 · 68.6%
Interest coverage
178.55▼
2024 · 765.30
Debt
€66k▲
2024 · €35k
Debt ≤ 1 year
€65k▲
2024 · €33k
Income taxes
€35k▲
2024 · €22k
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€116k€268k▲
Fixed assets21/28€55k€83k▲
Tangible fixed assets22/27€55k€83k▲
Plant, machinery and equipment23€4k€7k▲
Furniture and vehicles24€51k€39k▼
Other tangible fixed assets26-€37k
Current assets29/58€61k€185k▲
Amounts receivable within one year40/41€47k€52k▲
Trade receivables40€47k€50k▲
Other amounts receivable41€4€1k▲
Current investments50/53-€83k
Cash at bank and in hand54/58€13k€49k▲
Deferred charges and accrued income490/1€582€1k▲
Equity and liabilities
Total equity and liabilities10/49€116k€268k▲
Equity10/15€82k€202k▲
Contributions10/11€2k€2k=
Reserves13€80k€200k▲
Distributable reserves133€80k€200k▲
Amounts payable17/49€35k€66k▲
Amounts payable within one year42/48€33k€65k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€31k€63k▲
Taxes450/3€31k€63k▲
Other amounts payable47/48€411-
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€15k▲
Gross operating margin9900€110k€168k▲
Operating profit (loss)9901€101k€153k▲
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€144€943▲
Recurring financial charges65€144€943▲
Profit (loss) for the period before taxes9903€101k€155k▲
Income taxes67/77€22k€35k▲
Profit (loss) for the period9904€80k€121k▲
Profit (loss) for the period to be appropriated9905€80k€121k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€121k▲
Transfer to equity691/2€80k€121k▲
To other reserves6921€80k€121k▲
The notes to these accounts (6 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €202k ▲148%
2 profitable years in a row build equity to €202k.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Merchtem · 1 establishment unit since 2024
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.
Alfons Bursensstraat 151785 MerchtemGround area
763 m²
Building footprint
192 m²
Volume, LiDAR
1,295 m³
Parcel 23602K0127/00N007, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
FRONTWISE ADVICE
since 20242.353.604.634
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23602K0127/00N007 | Flanders | 763 m² | 1 · 192 m² | 11.3 m · 3 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
699400S5B7KQQ9BXCQ87
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2024
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.