Summary
Just Advies 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 €782k and a net result of €195k. Equity is growing by ~18.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 5527 sector peers (fiscal year 2025). The company has been active since 2017 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 check 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 30-06-2025 was due by 31-01-2026 and was filed on 25-09-2025, 128 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
128 d early
2024
70 d early
2023
76 d early
2022
154 d early
2021
66 d early
2020
45 d early
2019
67 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€782k▼ 2.1%
2024 · €799k
2019: €109k
2020: €170k
2021: €528k
2022: €603k
2023: €720k
2024: €799k
2019 → 2025
Net result
€195k▲ 78.6%
2024 · €109k
2019: €79k
2020: €63k
2021: €359k
2022: €89k
2023: €124k
2024: €109k
2019 → 2025
Total assets
€919k▼ 10.5%
2024 · €1.03M
2019: €326k
2020: €306k
2021: €905k
2022: €939k
2023: €978k
2024: €1.03M
2019 → 2025
Solvency
85.1%▲ 7.3pp
2024 · 77.7%
2019: 33.3%
2020: 55.5%
2021: 58.3%
2022: 64.2%
2023: 73.6%
2024: 77.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€528k-€603k▲ 14.4%€720k▲ 19.3%€799k▲ 11.0%€782k▼ 2.1%
Operating result€113k-€113k▼ 0.1%€159k▲ 40.8%€140k▼ 12.3%€107k▼ 23.3%
Net result€359k-€89k▼ 75.1%€124k▲ 38.6%€109k▼ 12.1%€195k▲ 78.6%
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 has fallen two years in a row; 2025 is 23% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €919k
Fixed assets
€810k =
Current assets
€109k ▼ 49.8%
Equity and liabilities €919k
Equity
€782k ▼ 2.1%
Debt
€137k ▼ 39.9%
Debt's share of the balance-sheet total falls from 22.3% to 14.9%. Equity and debt are lower.
Key figures and ratios
ROE
24.9%▲
2024 · 13.6%
ROA
21.2%▲
2024 · 10.6%
Debt ≤ 1 year
€75k▼
2024 · €112k
Debt > 1 year
€63k▼
2024 · €117k
Income taxes
€22k▼
2024 · €31k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€919k▼
Fixed assets21/28€810k€810k=
Financial fixed assets28€810k€810k=
Current assets29/58€217k€109k▼
Amounts receivable within one year40/41€70k€69k▼
Trade receivables40€67k€49k▼
Other amounts receivable41€3k€20k▲
Cash at bank and in hand54/58€144k€37k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.03M€919k▼
Equity10/15€799k€782k▼
Contributions10/11€30k€30k=
Reserves13€769k€751k▼
Distributable reserves133€769k€751k▼
Profit (loss) carried forward14€225€764▲
Amounts payable17/49€229k€137k▼
Amounts payable after more than one year17€117k€63k▼
Financial debts170/4€117k€63k▼
Amounts payable within one year42/48€112k€75k▼
Current portion of amounts payable after more than one year42€54k€54k=
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€25k€17k▼
Taxes450/3€20k€13k▼
Remuneration and social security454/9€5k€5k=
Other amounts payable47/48€30k€0▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▼
Gross operating margin9900€141k€108k▼
Operating profit (loss)9901€140k€107k▼
Financial income75/76B-€110k
Recurring financial income75-€110k
Financial charges65/66B€56€39▼
Recurring financial charges65€56€39▼
Profit (loss) for the period before taxes9903€140k€217k▲
Income taxes67/77€31k€22k▼
Profit (loss) for the period9904€109k€195k▲
Profit (loss) for the period to be appropriated9905€109k€195k▲
Appropriation of the result
Profit (loss) to be appropriated9906€110k€195k▲
Profit (loss) brought forward from the previous period14P€1k€225▼
Transfer from equity791/2€0€212k▲
Transfer to equity691/2€80k€194k▲
To other reserves6921€80k€194k▲
Profit to be distributed694/7€30k€212k▲
Return on contributions (dividend)694€30k€212k▲
The notes to these accounts (8 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
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
16-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
26-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Highest result since 2019net €359k ▲472%
Net result €359k, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 1.48
Current ratio from 0.68 to 1.48.
30-06
Financial
Equity above €500kEq €528k ▲211%
3 profitable years in a row build equity to €528k.
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €63k ▼20%
Net result drops to €63k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €150kEq €170k ▲56.4%
2 profitable years in a row build equity to €170k.
2019
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zedelgem · 1 establishment unit 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.
Aimé Claeysstraat 288210 ZedelgemGround area
418 m²
Building footprint
95 m²
Volume, LiDAR
444 m³
Parcel 31040D0449/00Y000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Just Advies
since 20172.269.182.960
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31040D0449/00Y000 | Flanders | 418 m² | 1 · 95 m² | 7.2 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.
Similar companies · same sector, comparable size
FIRE-PROOF GROUP
BE 0837.883.723
Antwerpen · Eq €781,822
D.G.S. Invest
BE 0477.711.439
Kortrijk · Eq €782,047
WOUTER DE MUYNCK
BE 0650.683.522
Lievegem · Eq €781,287
SERVITUDE
BE 0448.732.688
Lokeren · Eq €780,941
Megimar
BE 0505.621.804
Beveren-Kruibeke-Zwijndrecht · Eq €780,926
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,188 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
Founded10-10-2017
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.