KOIS Advisory
ActiveKOIS Advisory has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-750k) and a net result of €-562k. Equity is shrinking by ~223.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 4625 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
7
/ 100
Critical▼ -5 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency33▼-7
Growth32=
Stability94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.35 against 0.8 in 2023), and equity is negative.
Credit advice for your own amount and term
Signals
Eight 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
Sector 70
lower
← 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
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
-135.3%
Return on assets
-101.4%
Age of the figures
20 mo
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
222324
2022 to 2024 · latest year -€750k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
58 d late
2022
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-562k▼ 102%
2023 · €-278k
2022: €29k
2023: €-278k
2022 → 2024
Working capital
€-850k▼ 214%
2023 · €-271k
2022: €25k
2023: €-271k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€90k-€-188k€-750k▼ 299%
Operating result€40k-€-236k€-556k▼ 135%
Net result€29k-€-278k€-562k▼ 102%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €556k in 2024 against €236k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €554k
Fixed assets
€101k▲ 22.0%
Current assets
€453k▼ 58.6%
Key figures and ratios
EBITDA
€-539k▼
2023 · €-226k
Cash flow
€-546k▼
2023 · €-268k
Solvency
-135.3%▼
2023 · -15.9%
Current ratio
0.35▼
2023 · 0.80
Quick ratio
0.35▼
2023 · 0.80
Debt / equity
-1.74▲
2023 · -7.27
ROE
75.0%▼
2023 · 148.1%
ROA
-101.4%▼
2023 · -23.6%
Interest coverage
-23.14▼
2023 · -5.20
Debt
€1.30M▼
2023 · €1.37M
Debt ≤ 1 year
€1.30M▼
2023 · €1.37M
Income taxes
€0▼
2023 · €3k
Staff costs
€1.35M▲
2023 · €842k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.18M€554k▼
Fixed assets21/28€83k€101k▲
Intangible fixed assets21€46k€40k▼
Tangible fixed assets22/27€19k€43k▲
Furniture and vehicles24€17k€16k▼
Other tangible fixed assets26€2k€27k▲
Financial fixed assets28€18k€18k▲
Current assets29/58€1.10M€453k▼
Amounts receivable within one year40/41€727k€251k▼
Trade receivables40€600k€218k▼
Other amounts receivable41€127k€33k▼
Cash at bank and in hand54/58€357k€190k▼
Deferred charges and accrued income490/1€11k€12k▲
Equity and liabilities
Total equity and liabilities10/49€1.18M€554k▼
Equity10/15€-188k€-750k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€216€216=
Non-distributable reserves130/1€216€216=
Legal reserve130€216€216=
Profit (loss) carried forward14€-250k€-811k▼
Amounts payable17/49€1.37M€1.30M▼
Amounts payable within one year42/48€1.37M€1.30M▼
Financial debts43€884€10k▲
Credit institutions430/8€884€10k▲
Trade debts44€105k€469k▲
Suppliers440/4€105k€469k▲
Taxes, remuneration and social security45€256k€345k▲
Taxes450/3€137k€100k▼
Remuneration and social security454/9€119k€245k▲
Other amounts payable47/48€1.00M€479k▼
Accrued charges and deferred income492/3-€641
Income statement
Code20232024
Non-recurring operating income76A-€252k
Remuneration, social security and pensions62€842k€1.35M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€16k▲
Other operating charges640/8€2k€6k▲
Gross operating margin9900€618k€815k▲
Operating profit (loss)9901€-236k€-556k▼
Financial income75/76B€4k€17k▲
Recurring financial income75€4k€17k▲
Financial charges65/66B€43k€23k▼
Recurring financial charges65€43k€23k▼
Profit (loss) for the period before taxes9903€-275k€-562k▼
Income taxes67/77€3k€0▼
Profit (loss) for the period9904€-278k€-562k▼
Profit (loss) for the period to be appropriated9905€-278k€-562k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-250k€-811k▼
Profit (loss) brought forward from the previous period14P€29k€-250k▼
Transfer to equity691/2€0-
To the legal reserve6920€0-
Social balance
Average headcount (FTE)90878.010.7▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 60 days late
2024
31-12
Financial
Weakest financial yearnet €-562k
Net result drops to €-562k, the lowest in the series.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 58 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
07-03-2026
Florian Kemmerich: Resigned as Manager
30-04-2025
Belgica: Resigned as Director
30-04-2025
Bringing Light To Business: Resigned as Director
12-11-2024
Serena Guarnaschelli: Resigned as Manager
Location & real-estate footprint
Registered office, Elsene · 1 establishment unit since 2021
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.
Gachardstraat 881050 ElseneGround area
1,666 m²
Parcel 21807G0149/00W000, Brussels. Linked by address, not a title deed.
1 establishment unit
KOIS Advisory
since 20212.326.671.890
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0149/00W000 | Brussels | 1,666 m² | - | - |
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.
Structure & network
Connections & network
17 connected companiesNetwork connections
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KAGEFIN
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MARTINUS
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Antwerpen · Eq €90k
Of 5,672 companies in sector 70100 we hold annual accounts for 3,480. 2,247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-12-2021
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.