Lo-Advice
ActiveSummary
Lo-Advice has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12.1m and a net result of -€42,913. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 90% of 3267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
How big
€1.1mturnover 2025
- Equity
- €12.1m
- Loss
- -€42,913
Who decides
- Parent
- SIEGERS TECHNICS · 100%
- Holdings
- 2
Accounts 28 d early0 of 9 deeds read
Why 74+ Lower-failure-rate sector+ Annual accounts: healthy financial profile+ Long track recordLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability37=
Solvency100=
Growth40▲+2
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100,000 at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.58 in 2024; short-term debt: 3.5% and cash: 1.1% of total assets), and 4.3% 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○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 →
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
95.7%
Return on assets
-0.3%
Age of the figures
9 mo
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
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
3 d early
2023
23 d early
2022
70 d late
2021
34 d early
2020
38 d early
2019
17 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 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 9 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Annual accounts filedfiscal year 2024 · full…
- Annual accounts filedfiscal year 2023 · full…
Financials
Fiscal year 2025Turnover €1.1mLoss -€42,913Solvency 95.7%Liquidity 0.80
Turnover
€1.1m▲ 4.2%
2020 - 2025
Net result
-€42,913▼ 104%
2018 - 2025
Equity
€12.1m▲ 20.4%
2018 - 2025
Solvency
95.7%▲ 16.0pp
2018 - 2025
Financials · fiscal year 2025, full schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€1.6m▲ 15.1%€1.0m▼ 40.5%€1.0m▲ 1.2%€1.0m▲ 5.3%€1.1m▲ 4.2%
Operating result€0.5m▲ 10.6%-€0.04m€0.03m€0.09m▲ 187%€0.06m▼ 26.6%
Net result€3.9mabove the sector's middle half▲ 946%-€0.1mbelow the sector's middle half-€0.07mbelow the sector's middle half▲ 45.9%-€0.02mbelow the sector's middle half▲ 69.6%-€0.04mbelow the sector's middle half▼ 104%
EBIT margin32.7%▼ 1.3pp-3.6%▼ 36.3pp3.1%▲ 6.6pp8.3%▲ 5.3pp5.9%▼ 2.5pp
Equity€10.3mabove the sector's middle half▲ 60.5%€10.1mabove the sector's middle half▼ 1.2%€10.1mabove the sector's middle half▼ 0.7%€10.1mabove the sector's middle half▼ 0.2%€12.1mabove the sector's middle half▲ 20.4%
Total assets€12.5mabove the sector's middle half▲ 91.9%€12.4mabove the sector's middle half▼ 1.0%€12.5mabove the sector's middle half▲ 0.5%€12.6mabove the sector's middle half▲ 1.1%€12.7mabove the sector's middle half▲ 0.3%
Debt€2.3m▲ 1,570%€2.3m▲ 0.3%€2.4m▲ 5.7%€2.6m▲ 6.7%€0.5m▼ 78.8%
Working capital-€0.1mbelow the sector's middle half-€0.3mbelow the sector's middle half▼ 181%-€0.3mbelow the sector's middle half▼ 1.4%-€0.2mbelow the sector's middle half▲ 26.9%-€0.09mwithin the sector's middle half▲ 61.3%
Solvency81.9%above the sector's middle half▼ 16.0pp81.7%above the sector's middle half▼ 0.2pp80.7%above the sector's middle half▼ 0.9pp79.7%above the sector's middle half▼ 1.1pp95.7%above the sector's middle half▲ 16.0pp
Current ratio0.68within the sector's middle half▼ 32.730.27below the sector's middle half▼ 0.410.36below the sector's middle half▲ 0.090.58within the sector's middle half▲ 0.220.80within the sector's middle half▲ 0.22
Return on assets (ROA)30.9%above the sector's middle half▲ 25.2pp-1.0%below the sector's middle half▼ 31.9pp-0.6%below the sector's middle half▲ 0.5pp-0.2%below the sector's middle half▲ 0.4pp-0.3%below the sector's middle half▼ 0.2pp
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.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12.7m
Fixed assets
€12.3m =
Current assets
€349,392 ▲ 10.0%
Equity and liabilities €12.7m
Equity
€12.1m ▲ 20.4%
Debt
€544,983 ▼ 78.8%
Debt's share of the balance-sheet total falls from 20.3% to 4.3%. Equity is higher and debt is lower.
Key figures and ratios
Key figures and ratios
Debt to equity
0.04▼
2024 · 0.26
ROE
-0.4%▼
2024 · -0.2%
Debt ≤ 1 year
€439,361▼
2024 · €549,840
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €1.6m | €1.0m | €1.0m | €1.0m | €1.1m | ▲ 4.2% |
| Turnover70 | €1.6m | €1.0m | €1.0m | €1.0m | €1.1m | ▲ 4.2% |
| Other operating income74 | €0.002m | €0.002m | €0.001m | - | - | - |
| Non-recurring operating income76A | €0 | - | - | - | - | - |
| Operating charges60/66A | €1.1m | €1.0m | €1.0m | €1.0m | €1.0m | ▲ 7.0% |
| Services and other goods61 | €1.1m | €1.0m | €1.0m | €1.0m | €1.0m | ▲ 7.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.004m | €0 | - | - | - | - |
| Other operating charges640/8 | €0.001m | €0.001m | €0.002m | €0.002m | €0.002m | ▲ 11.3% |
| Operating profit (loss)9901 | €0.5m | -€0.04m | €0.03m | €0.09m | €0.06m | ▼ 26.6% |
| Financial income75/76B | €3.6m | €0 | - | - | - | - |
| Recurring financial income75 | €0.2m | €0 | - | - | - | - |
| Income from financial fixed assets750 | €0 | - | - | - | - | - |
| Income from current assets751 | €0.02m | €0 | - | - | - | - |
| Other financial income752/9 | €0.1m | €0 | - | - | - | - |
| Non-recurring financial income76B | €3.4m | €0 | - | - | - | - |
| Financial charges65/66B | €0.1m | €0.09m | €0.1m | €0.1m | €0.1m | ▼ 1.1% |
| Recurring financial charges65 | €0.1m | €0.09m | €0.1m | €0.1m | €0.1m | ▼ 1.1% |
| Debt charges650 | €0.1m | €0.09m | €0.1m | €0.1m | €0.1m | ▼ 1.3% |
| Other financial charges652/9 | €0.002m | €0.001m | €499 | €0.001m | €0.001m | ▲ 23.4% |
| Profit (loss) for the period before taxes9903 | €4.0m | -€0.1m | -€0.07m | -€0.02m | -€0.04m | ▼ 104% |
| Income taxes67/77 | €0.2m | €192 | €0 | - | - | - |
| Taxes670/3 | €0.2m | €192 | €0 | - | - | - |
| Tax adjustments and reversals of tax provisions77 | €73 | €0 | - | - | - | - |
| Profit (loss) for the period9904 | €3.9m | -€0.1m | -€0.07m | -€0.02m | -€0.04m | ▼ 104% |
| Transfer from tax-exempt reserves789 | €0.1m | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €4.0m | -€0.1m | -€0.07m | -€0.02m | -€0.04m | ▼ 104% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12.5m | €12.4m | €12.5m | €12.6m | €12.7m | ▲ 0.3% |
| Fixed assets21/28 | €12.3m | €12.3m | €12.3m | €12.3m | €12.3m | = |
| Tangible fixed assets22/27 | €0 | - | - | - | - | - |
| Furniture and vehicles24 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €12.3m | €12.3m | €12.3m | €12.3m | €12.3m | = |
| Affiliated companies280/1 | €12.3m | €12.3m | €12.3m | €12.3m | €12.3m | = |
| Participating interests280 | €12.3m | €12.3m | €12.3m | €12.3m | €12.3m | = |
| Amounts receivable281 | €0 | - | - | - | - | - |
| Other financial fixed assets284/8 | €35 | €35 | €35 | €35 | - | - |
| Amounts receivable and cash guarantees285/8 | €35 | €35 | €35 | €35 | - | - |
| Current assets29/58 | €0.2m | €0.1m | €0.2m | €0.3m | €0.3m | ▲ 10.0% |
| Stocks and contracts in progress3 | €0 | €0 | €0 | - | - | - |
| Amounts receivable within one year40/41 | €0.2m | €0.02m | €0.005m | €0.2m | €0.2m | ▲ 10.0% |
| Trade receivables40 | €0.2m | €0.01m | €0 | €0.2m | €0.2m | ▲ 11.4% |
| Other amounts receivable41 | €0.004m | €0.005m | €0.005m | €0.01m | €0.008m | ▼ 15.8% |
| Current investments50/53 | €0.01m | €0 | - | - | - | - |
| Other investments51/53 | €0.01m | €0 | - | - | - | - |
| Cash at bank and in hand54/58 | €419 | €0.1m | €0.2m | €0.1m | €0.1m | ▲ 11.5% |
| Deferred charges and accrued income490/1 | €0.02m | €0.007m | €0.01m | €0.003m | €0.002m | ▼ 42.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12.5m | €12.4m | €12.5m | €12.6m | €12.7m | ▲ 0.3% |
| Equity10/15 | €10.3m | €10.1m | €10.1m | €10.1m | €12.1m | ▲ 20.4% |
| Contributions10/11 | €0.02m | €0.02m | €0.02m | €0.02m | €2.1m | ▲ 11,305% |
| Reserves13 | €10.3m | €10.1m | €10.1m | €10.0m | €10.0m | ▼ 0.4% |
| Non-distributable reserves130/1 | €0.01m | €0.01m | €0 | - | - | - |
| Reserves not available under the articles1311 | €0.01m | €0.01m | €0 | - | - | - |
| Tax-exempt reserves132 | €0 | - | - | - | - | - |
| Distributable reserves133 | €10.2m | €10.1m | €10.1m | €10.0m | €10.0m | ▼ 0.4% |
| Profit (loss) carried forward14 | €0.003m | €0 | - | - | - | - |
| Amounts payable17/49 | €2.3m | €2.3m | €2.4m | €2.6m | €0.5m | ▼ 78.8% |
| Amounts payable after more than one year17 | €1.7m | €1.7m | €1.7m | €1.7m | - | - |
| Other amounts payable178/9 | €1.7m | €1.7m | €1.7m | €1.7m | - | - |
| Amounts payable within one year42/48 | €0.3m | €0.4m | €0.5m | €0.5m | €0.4m | ▼ 20.1% |
| Trade debts44 | €0.2m | €0.03m | €0.1m | €0.2m | €0.2m | ▼ 24.7% |
| Suppliers440/4 | €0.2m | €0.03m | €0.1m | €0.2m | €0.2m | ▼ 24.7% |
| Taxes, remuneration and social security45 | €0.2m | €0.08m | €0.003m | - | - | - |
| Taxes450/3 | €0.2m | €0.08m | €0.003m | - | - | - |
| Other amounts payable47/48 | €0.007m | €0.3m | €0.4m | €0.3m | €0.3m | ▼ 16.4% |
| Accrued charges and deferred income492/3 | €0.2m | €0.1m | €0.2m | €0.3m | €0.1m | ▼ 63.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3.9m | -€0.1m | -€0.07m | -€0.02m | -€0.04m | ▼ 104% |
| + Depreciation and write-downs630 | €0.004m | €0 | - | - | - | - |
| Operating cash flow (approximation) | €3.9m | -€0.1m | -€0.07m | -€0.02m | -€0.04m | ▼ 104% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €1 | €34 | ▲ 4,495% |
| Change in cash | - | €0.09m | €0.07m | -€0.04m | €0.01m | ▲ 137% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
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Of 82,687 companies in this sector we hold annual accounts for 52,635. 5,937 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
Parent SIEGERS TECHNICS · 100%2 holdings
Directors
Directors
No directors read yet: 0 of 9 Gazette acts processed. See the function holders in the CBE →
Structure & network
Owners and holdings
1 owner · 2 holdings · 3 subsidiaries in the treeChain of control
- Building Technology
- SIEGERS TECHNICS
- Lo-Advice
Highest known parent: Building Technology. The sources do not say who stands above it.
Owners 1
- SIEGERS TECHNICSparent100%
Holdings 2
- Sourceown accounts 2025Equity €10.3mResult €1.7m100%
-
100%
All subsidiaries, including indirect ones 3
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
Electro-Technisch Installateursbedrijf V. Vandenven 100%1 subsidiary
- Jeroen Vrints 100%
- Nespico 100%
According to the 2025 annual accounts of Lo-Advice and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
The board mandates are listed below; here you explore them as a network.
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Board mandates elsewhere
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Timeline
17 eventsLatest 03-07-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet -€127,851
Net result drops to -€127,851, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
03-01
State Gazette act
General meeting · Capital increase
Capital · Statutes amendment
2021
31-12
Financial
Highest result since 2018net €3.9m ▲946%
Net result €3.9m, the highest in the series.
31-12
Financial
Equity above €10mEq €10.3m ▲60.5%
4 profitable years in a row build equity to €10.3m.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
22-04
State Gazette act
General meeting · Statutes amendment
Corporate purpose · Director resignation
Show earlier events
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
08-03
State Gazette act
General meeting · Director reappointment
Mandate compensation · Board meeting
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2013
05-08
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Support & recognitions
1 register with a recognitionLEI lapsed
LEI
not active
875500Q2YE961I840F25
Recognitions · licences · registrations
Legal Entity Identifier
875500Q2YE961I840F25
Company details
Private limited company · founded 01-07-2008Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded01-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0898933444
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2008
Ground area
145 m²
Building footprint
74 m²
Volume, LiDAR
467 m³
Parcel 11006A0260/00P003, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Lo-Advice
since 2008unit no. 2.172.049.734
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0260/00P003 | Flanders | 145 m² | 1 · 74 m² | 8.5 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.
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