KB ADVICE
ActiveSummary
KB ADVICE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,000 and a net result of €22,465. Equity is shrinking by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 8763 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency49▼-1
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.89 in 2024; short-term debt: 49.8% and cash: 52.2% of total assets), but 75.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
24.3%
Return on assets
27.2%
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 24-03-2026, 129 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
129 d early
2024
1 d early
2023
26 d early
2022
3 d early
2021
2 d early
2020
11 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 29 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€20,000=
2024 · €20,000
Total assets
€82,450▲ 1.1%
2024 · €81,566
Net result
€22,465▼ 12.7%
2024 · €25,747
Working capital
€29,584▼ 17.0%
2024 · €35,650
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€4,671▼ 83.9%€14,174▲ 203%€32,091▲ 126%€38,127▲ 18.8%€34,842▼ 8.6%
Net result€79below the sector's middle half▼ 99.7%€7,560within the sector's middle half▲ 9,485%€21,209within the sector's middle half▲ 181%€25,747within the sector's middle half▲ 21.4%€22,465within the sector's middle half▼ 12.7%
Equity€32,849below the sector's middle half▲ 0.2%€40,409below the sector's middle half▲ 23.0%€20,000below the sector's middle half▼ 50.5%€20,000below the sector's middle half=€20,000below the sector's middle half=
Total assets€45,844below the sector's middle half▲ 3.5%€88,288below the sector's middle half▲ 92.6%€103,327below the sector's middle half▲ 17.0%€81,566below the sector's middle half▼ 21.1%€82,450below the sector's middle half▲ 1.1%
Debt€12,995▲ 12.8%€47,878▲ 268%€83,327▲ 74.0%€61,566▼ 26.1%€62,450▲ 1.4%
Working capital€28,103within the sector's middle half▼ 9.9%€46,299within the sector's middle half▲ 64.8%€30,308within the sector's middle half▼ 34.5%€35,650within the sector's middle half▲ 17.6%€29,584within the sector's middle half▼ 17.0%
Solvency71.7%within the sector's middle half▼ 2.3pp45.8%within the sector's middle half▼ 25.9pp19.4%below the sector's middle half▼ 26.4pp24.5%below the sector's middle half▲ 5.2pp24.3%within the sector's middle half▼ 0.3pp
Current ratio3.16within the sector's middle half▼ 0.542.67within the sector's middle half▼ 0.491.49within the sector's middle half▼ 1.191.89within the sector's middle half▲ 0.401.72within the sector's middle half▼ 0.17
Return on assets (ROA)0.2%below the sector's middle half▼ 51.2pp8.6%within the sector's middle half▲ 8.4pp20.5%above the sector's middle half▲ 12.0pp31.6%above the sector's middle half▲ 11.0pp27.2%above the sector's middle half▼ 4.3pp
Staff (FTE)0within the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82,450
Fixed assets
€11,843 ▲ 98.9%
Current assets
€70,606 ▼ 6.6%
Equity and liabilities €82,450
Equity
€20,000 =
Debt
€62,450 ▲ 1.4%
Debt's share of the balance-sheet total rises from 75.5% to 75.7%. Debt is higher.
Key figures and ratios
EBITDA
€38,195▼
2024 · €40,877
Cash flow
€25,817▼
2024 · €28,497
Quick ratio
1.71▼
2024 · 1.89
Debt to equity
3.12▲
2024 · 3.08
ROE
112.3%▼
2024 · 128.7%
Interest coverage
12.34▼
2024 · 18.48
Debt ≤ 1 year
€41,022▲
2024 · €39,962
Debt > 1 year
€20,000=
2024 · €20,000
Income taxes
€9,282▼
2024 · €10,849
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,706 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,706 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €12,933 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,626 | €1,440 | €3,474 | €2,750 | €3,352 | ▲ 21.9% |
| Other operating charges640/8 | €5,313 | €1,461 | €1,831 | €4,049 | €1,745 | ▼ 56.9% |
| Gross operating margin9900 | €11,610 | €17,075 | €37,396 | €44,926 | €39,940 | ▼ 11.1% |
| Operating profit (loss)9901 | €4,671 | €14,174 | €32,091 | €38,127 | €34,842 | ▼ 8.6% |
| Financial income75/76B | €0 | €0 | €0 | €680 | €0 | ▼ 100% |
| Recurring financial income75 | €0 | €0 | €0 | €680 | €0 | ▼ 100% |
| Financial charges65/66B | €777 | €949 | €1,768 | €2,212 | €3,095 | ▲ 39.9% |
| Recurring financial charges65 | €777 | €949 | €1,768 | €2,212 | €3,095 | ▲ 39.9% |
| Profit (loss) for the period before taxes9903 | €3,894 | €13,225 | €30,323 | €36,596 | €31,747 | ▼ 13.2% |
| Income taxes67/77 | €3,816 | €5,665 | €9,114 | €10,849 | €9,282 | ▼ 14.4% |
| Profit (loss) for the period9904 | €79 | €7,560 | €21,209 | €25,747 | €22,465 | ▼ 12.7% |
| Profit (loss) for the period to be appropriated9905 | €79 | €7,560 | €21,209 | €25,747 | €22,465 | ▼ 12.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €45,844 | €88,288 | €103,327 | €81,566 | €82,450 | ▲ 1.1% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €4,746 | €14,306 | €10,832 | €5,954 | €11,843 | ▲ 98.9% |
| Tangible fixed assets22/27 | €3,576 | €13,136 | €9,662 | €4,784 | €9,623 | ▲ 101% |
| Plant, machinery and equipment23 | €3,576 | €2,852 | €2,128 | €0 | €7,589 | - |
| Furniture and vehicles24 | - | €10,284 | €7,534 | €4,784 | €2,034 | ▼ 57.5% |
| Financial fixed assets28 | €1,170 | €1,170 | €1,170 | €1,170 | €2,220 | ▲ 89.7% |
| Current assets29/58 | €41,097 | €73,981 | €92,495 | €75,611 | €70,606 | ▼ 6.6% |
| Stocks and contracts in progress3 | €195 | €635 | €225 | €240 | €480 | ▲ 100.0% |
| Stocks30/36 | €195 | €635 | €225 | €240 | €480 | ▲ 100.0% |
| Amounts receivable within one year40/41 | €36,558 | €37,936 | €17,302 | €19,144 | €24,543 | ▲ 28.2% |
| Trade receivables40 | €36,558 | €37,201 | €16,416 | €17,289 | €22,471 | ▲ 30.0% |
| Other amounts receivable41 | €0 | €735 | €886 | €1,855 | €2,072 | ▲ 11.7% |
| Cash at bank and in hand54/58 | €2,791 | €32,106 | €71,753 | €52,792 | €43,010 | ▼ 18.5% |
| Deferred charges and accrued income490/1 | €1,554 | €3,304 | €3,215 | €3,436 | €2,573 | ▼ 25.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €45,844 | €88,288 | €103,327 | €81,566 | €82,450 | ▲ 1.1% |
| Equity10/15 | €32,849 | €40,409 | €20,000 | €20,000 | €20,000 | = |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | €22,849 | €30,409 | €10,000 | €10,000 | €10,000 | = |
| Amounts payable17/49 | €12,995 | €47,878 | €83,327 | €61,566 | €62,450 | ▲ 1.4% |
| Amounts payable after more than one year17 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Financial debts170/4 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Amounts payable within one year42/48 | €12,995 | €27,682 | €62,187 | €39,962 | €41,022 | ▲ 2.7% |
| Trade debts44 | €5,832 | €12,247 | €9,324 | €10,604 | €8,233 | ▼ 22.4% |
| Suppliers440/4 | €5,832 | €12,247 | €9,324 | €10,604 | €8,233 | ▼ 22.4% |
| Taxes, remuneration and social security45 | €6,419 | €8,451 | €4,596 | €1,535 | €9,805 | ▲ 539% |
| Taxes450/3 | €5,134 | €8,451 | €4,596 | €1,535 | €9,305 | ▲ 506% |
| Remuneration and social security454/9 | €1,285 | €0 | - | - | €500 | - |
| Other amounts payable47/48 | €744 | €6,984 | €48,268 | €27,823 | €22,984 | ▼ 17.4% |
| Accrued charges and deferred income492/3 | - | €196 | €1,140 | €1,604 | €1,427 | ▼ 11.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €79 | €7,560 | €21,209 | €25,747 | €22,465 | ▼ 12.7% |
| + Depreciation and write-downs630 | €1,626 | €1,440 | €3,474 | €2,750 | €3,352 | ▲ 21.9% |
| Operating cash flow (approximation) | €1,705 | €9,001 | €24,683 | €28,497 | €25,817 | ▼ 9.4% |
| Investment in fixed assets (approximation) | - | -€11,000 | €0 | €2,128 | -€9,242 | ▼ 534% |
| Change in cash | - | €29,316 | €39,647 | -€18,962 | -€9,782 | ▲ 48.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €25,747 ▲21.4%
Operating result €38,127, net result €25,747, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €79 ▼99.7%
Net result drops to €79, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
4 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, Meise · 1 establishment unit since 2020
Ground area
1,371 m²
Building footprint
127 m²
Volume, LiDAR
636 m³
Parcel 23050F0187/00G002, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
KB ADVICE
since 20202.306.412.550
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23050F0187/00G002 | Flanders | 1,371 m² | 1 · 127 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
2549000S41ODSXF6BU62
Similar companies · same sector, comparable size
The Officer
BE 0542.859.510
Wortegem-Petegem · Eq €20,000
PHARMAD
BE 0537.770.077
Zwevegem · Eq €20,000
Pesio
BE 0543.610.170
Brussel · Eq €20,000
VISIUM
BE 0598.933.824
Grez-Doiceau · Eq €20,000
Notariële bestuursvennootschap DE DECKER Pieter-Jan
BE 0657.995.045
Brasschaat · Eq €20,000
Of 82,642 companies in sector 70200 we hold annual accounts for 52,626. 30,663 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-08-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0751783751
Registered
29-07-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.