Summary
ICE Advice is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €652k and a net result of €78k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 5527 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
19 d early
2023
39 d early
2022
6 d early
2021
44 d early
2020
14 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€652k▲ 13.5%
2024 · €574k
2018: €222k
2019: €290k
2020: €386k
2021: €647k
2022: €767k
2023: €886k
2024: €574k
2018 → 2025
Net result
€78k▲ 3,852%
2024 · €2k
2018: €12k
2019: €70k
2020: €98k
2021: €262k
2022: €122k
2023: €120k
2024: €2k
2018 → 2025
Total assets
€1.89M▼ 2.2%
2024 · €1.93M
2018: €1.15M
2019: €1.21M
2020: €1.35M
2021: €1.79M
2022: €2.18M
2023: €2.43M
2024: €1.93M
2018 → 2025
Solvency
34.5%▲ 4.8pp
2024 · 29.7%
2018: 19.3%
2019: 24.0%
2020: 28.6%
2021: 36.2%
2022: 35.2%
2023: 36.4%
2024: 29.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€647k-€767k▲ 18.6%€886k▲ 15.4%€574k▼ 35.1%€652k▲ 13.5%
Operating result€395k-€235k▼ 40.6%€231k▼ 1.4%€38k▼ 83.6%€139k▲ 266%
Net result€262k-€122k▼ 53.6%€120k▼ 1.7%€2k▼ 98.4%€78k▲ 3,852%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 266% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.89M
Fixed assets
€1.85M ▼ 2.4%
Current assets
€41k ▲ 11.8%
Equity and liabilities €1.89M
Equity
€652k ▲ 13.5%
Debt
€1.24M ▼ 8.8%
Debt's share of the balance-sheet total falls from 70.3% to 65.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
11.9%▲
2024 · 0.3%
ROA
4.1%▲
2024 · 0.1%
Debt ≤ 1 year
€279k▼
2024 · €292k
Debt > 1 year
€959k▼
2024 · €1.06M
Income taxes
€22k▲
2024 · €2k
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 · 63 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.93M€1.89M▼
Fixed assets21/28€1.90M€1.85M▼
Tangible fixed assets22/27€1.90M€1.84M▼
Land and buildings22€1.86M€1.81M▼
Plant, machinery and equipment23€19k€17k▼
Furniture and vehicles24€17k€17k▲
Financial fixed assets28€2k€7k▲
Current assets29/58€36k€41k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€21k€15k▼
Trade receivables40€7k€15k▲
Other amounts receivable41€14k€0▼
Cash at bank and in hand54/58€10k€25k▲
Deferred charges and accrued income490/1€5k€976▼
Equity and liabilities
Total equity and liabilities10/49€1.93M€1.89M▼
Equity10/15€574k€652k▲
Contributions10/11€118k€118k=
Reserves13€426k€534k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€88k€0▼
Distributable reserves133€337k€534k▲
Profit (loss) carried forward14€31k€0▼
Amounts payable17/49€1.36M€1.24M▼
Amounts payable after more than one year17€1.06M€959k▼
Financial debts170/4€1.06M€959k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€292k€279k▼
Current portion of amounts payable after more than one year42€102k€104k▲
Financial debts43€40k€0▼
Credit institutions430/8€40k€0▼
Trade debts44€16k€18k▲
Suppliers440/4€16k€18k▲
Advances received on contracts in progress46€20k€21k▲
Taxes, remuneration and social security45€38k€21k▼
Taxes450/3€38k€16k▼
Remuneration and social security454/9€0€6k▲
Other amounts payable47/48€76k€115k▲
Accrued charges and deferred income492/3€4k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€82k▲
Other operating charges640/8€10k€9k▼
Gross operating margin9900€128k€230k▲
Operating profit (loss)9901€38k€139k▲
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€34k€39k▲
Recurring financial charges65€34k€39k▲
Profit (loss) for the period before taxes9903€4k€100k▲
Income taxes67/77€2k€22k▲
Profit (loss) for the period9904€2k€78k▲
Transfer from tax-exempt reserves789-€88k
Profit (loss) for the period to be appropriated9905€2k€166k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€197k▲
Profit (loss) brought forward from the previous period14P€31k€31k=
Transfer from equity791/2€48k€0▼
Transfer to equity691/2€2k€197k▲
To other reserves6921€2k€197k▲
Profit to be distributed694/7€48k€0▼
Return on contributions (dividend)694€48k€0▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (13 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Weakest financial yearnet €2k ▼98.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €262k ▲168%
Operating result €395k, net result €262k, both a record.
30-09
Financial
Equity above €500kEq €647k ▲67.5%
4 profitable years in a row build equity to €647k.
16-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Gent · 1 establishment unit since 2012
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.
Deinsesteenweg 94A9031 GentGround area
917 m²
Building footprint
260 m²
Volume, LiDAR
839 m³
Parcel 44017D0588/00R000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Livingdesign
since 20122.211.915.348
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017D0588/00R000 | Flanders | 916 m² | 1 · 260 m² | 7.4 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 678 EUR awarded · 678 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 87 EUR | 87 EUR |
| 2024 | 1 | 165 EUR | 165 EUR |
| 2023 | 1 | 426 EUR | 426 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
LAURYVES
BE 0701.824.197
Morlanwelz · Eq €652,086
K.E.V. SERVICE
BE 0829.311.792
Dendermonde · Eq €652,421
PEXCHATEAU
BE 0553.804.375
Wellen · Eq €651,696
LIEPREST
BE 0550.657.419
Lievegem · Eq €651,506
GEMAD
BE 0438.400.903
Ledegem · Eq €651,136
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,398 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
Founded16-08-2012
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.iceadvice.be
E-mail:info@iceadvice.be