InformAdvies
ActiveSummary
InformAdvies has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €139k and a net result of €3k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 22% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability57▼-24
Solvency54▼-10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.52 in 2023; short-term debt: 48.5% and cash: 15.5% of total assets), and 71% 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
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 · Long track record
A company with a long track record statistically fails less often than a young one.
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 2024Solvency, return and age of the figures
Solvency
29%
Return on assets
0.5%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 20782 sector peers (2024).
NBB · sector comparisonPosition among 20782 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
42 d early
2022
39 d early
2021
40 d early
2020
58 d early
2019
51 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€139k▼ 10.5%
2023 · €156k
2018: €82k
2019: €104k
2020: €93k
2021: €80k
2022: €118k
2023: €156k
2018 → 2024
Total assets
€480k▲ 20.8%
2023 · €398k
2018: €437k
2019: €429k
2020: €407k
2021: €348k
2022: €374k
2023: €398k
2018 → 2024
Net result
€3k▼ 93.2%
2023 · €38k
2018: €-13k
2019: €22k
2020: €22k
2021: €-570
2022: €38k
2023: €38k
2018 → 2024
Working capital
€23k▼ 59.1%
2023 · €55k
2018: €68k
2019: €71k
2020: €40k
2021: €10k
2022: €30k
2023: €55k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€93k-€80k▼ 14.5%€118k▲ 47.6%€156k▲ 32.5%€139k▼ 10.5%
Operating result€40k-€10k▼ 75.5%€58k▲ 494%€60k▲ 2.7%€10k▼ 83.7%
Net result€22k-€-570€38k€38k▲ 1.0%€3k▼ 93.2%
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 2024; 2024 is 84% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €480k
Fixed assets
€225k ▼ 5.4%
Current assets
€256k ▲ 59.6%
Equity and liabilities €480k
Equity
€139k ▼ 10.5%
Provisions
€81k =
Debt
€260k ▲ 61.4%
Debt's share of the balance-sheet total rises from 40.5% to 54.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€25k▼
2023 · €75k
Cash flow
€18k▼
2023 · €54k
Current ratio
1.10▼
2023 · 1.52
Quick ratio
1.04▼
2023 · 1.52
Debt to equity
1.87▲
2023 · 1.03
ROE
1.9%▼
2023 · 24.6%
ROA
0.5%▼
2023 · 9.6%
Interest coverage
4.51▼
2023 · 12.75
Debt ≤ 1 year
€233k▲
2023 · €105k
Debt > 1 year
€26k▼
2023 · €55k
Income taxes
€2k▼
2023 · €16k
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 · 2024 against 2023 · 57 lines
Balance sheet
Code20232024
Assets
Total assets20/58€398k€480k▲
Fixed assets21/28€238k€225k▼
Tangible fixed assets22/27€237k€224k▼
Land and buildings22€226k€218k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€8k€3k▼
Other tangible fixed assets26€324€127▼
Financial fixed assets28€465€465=
Current assets29/58€160k€256k▲
Stocks and contracts in progress3-€12k
Stocks30/36-€12k
Amounts receivable within one year40/41€44k€108k▲
Trade receivables40€43k€98k▲
Other amounts receivable41€682€10k▲
Current investments50/53€43k€43k▲
Cash at bank and in hand54/58€27k€75k▲
Deferred charges and accrued income490/1€47k€18k▼
Equity and liabilities
Total equity and liabilities10/49€398k€480k▲
Equity10/15€156k€139k▼
Contributions10/11€8k€8k=
Reserves13€151k€132k▼
Distributable reserves133€151k€132k▼
Profit (loss) carried forward14€-3k€-247▲
Provisions and deferred taxes16€81k€81k=
Provisions for liabilities and charges160/5€81k€81k=
Pensions and similar obligations160€81k€81k=
Amounts payable17/49€161k€260k▲
Amounts payable after more than one year17€55k€26k▼
Financial debts170/4€55k€26k▼
Amounts payable within one year42/48€105k€233k▲
Current portion of amounts payable after more than one year42€31k€31k▲
Trade debts44€17k€109k▲
Suppliers440/4€17k€109k▲
Taxes, remuneration and social security45€25k€19k▼
Taxes450/3€22k€16k▼
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€32k€74k▲
Accrued charges and deferred income492/3€1k€1k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€77k€28k▼
Operating profit (loss)9901€60k€10k▼
Financial income75/76B€201€396▲
Recurring financial income75€201€396▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€54k€5k▼
Income taxes67/77€16k€2k▼
Profit (loss) for the period9904€38k€3k▼
Profit (loss) for the period to be appropriated9905€38k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€-247▼
Profit (loss) brought forward from the previous period14P€-3k€-3k▲
Transfer from equity791/2-€19k
Transfer to equity691/2€38k-
To other reserves6921€38k-
Profit to be distributed694/7-€19k
Return on contributions (dividend)694-€19k
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
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €38k ▲1%
Operating result €60k, net result €38k, both a record.
31-12
Financial
Equity above €150kEq €156k ▲32.5%
2 profitable years in a row build equity to €156k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
31-12
Financial
Equity above €100kEq €118k ▲47.6%
Equity rises from €80k to €118k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Equity above €100kEq €104k ▲26.7%
Equity rises from €82k to €104k.
Show earlier events
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
09-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Temse · 1 establishment unit since 2001
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.
Houtbriel 509140 TemseGround area
1,227 m²
Building footprint
229 m²
Volume, LiDAR
987 m³
Parcel 46302D1751/02B000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Koen Blontrock
since 20012.091.160.642
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D1751/02B000 | Flanders | 1,227 m² | 1 · 229 m² | 6.4 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.
Similar companies · same sector, comparable size
MATVEC
BE 0719.913.016
Edegem · Eq €139,462
STEILO
BE 1002.569.333
Tienen · Eq €139,490
THIBELYS
BE 0508.441.534
Brussel · Eq €139,498
LUMAY CONSEIL ET PARTICIPATION
BE 0642.770.795
Chaudfontaine · Eq €139,447
JET CONSULT
BE 0728.898.283
Roeselare · Eq €139,506
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,391 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
Founded03-05-1999
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:koen.blontrock@informadvies.be
Phone:0477503152