MANA ADVICE
ActiveSummary
The computed 12-month bankruptcy probability of MANA ADVICE is 2.2% (moderate). The 2025 annual accounts show equity of €31,975 and a net result of €34,595. Equity is growing by ~37.3% per year across the filed fiscal years. The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+21
Solvency80▲+25
Growth78=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.37 in 2024; short-term debt: 44.8% and cash: 26.3% of total assets), and 44.8% 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
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 28-11-2025, 2 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
2 d early
2024
17 d late
2023
on the day
2022
on the day
2021
31 d late
2020
57 d late
2019
163 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 38 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today. Usually files around 30 November (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-04-2026 close30-09-2026 today30-11-2026 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
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€31,975▼ 2.1%
2024 · €32,674
Total assets
€57,945▼ 46.9%
2024 · €109,216
Net result
€34,595▲ 297%
2024 · €8,715
Working capital
€29,733▲ 4.9%
2024 · €28,339
Trend over the years
In euros
In euros
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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€3,233▼ 19.5%€6,754▲ 109%€121,650▲ 1,701%€11,925▼ 90.2%€45,127▲ 278%
Net result€1,043▼ 41.3%€481▼ 53.8%€86,485▲ 17,864%€8,715▼ 89.9%€34,595▲ 297%
Equity€7,592▲ 15.9%€8,074▲ 6.3%€23,959▲ 197%€32,674▲ 36.4%€31,975▼ 2.1%
Total assets€17,266▲ 5.6%€20,327▲ 17.7%€169,453▲ 734%€109,216▼ 35.5%€57,945▼ 46.9%
Debt€9,674▼ 1.3%€12,253▲ 26.7%€145,494▲ 1,087%€76,542▼ 47.4%€25,970▼ 66.1%
Working capital€7,592▲ 21.2%€2,219▼ 70.8%€19,755▲ 790%€28,339▲ 43.5%€29,733▲ 4.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 278% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €57,945
Fixed assets
€2,242 ▼ 48.3%
Current assets
€55,703 ▼ 46.9%
Equity and liabilities €57,945
Equity
€31,975 ▼ 2.1%
Debt
€25,970 ▼ 66.1%
Debt's share of the balance-sheet total falls from 70.1% to 44.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€47,221▲
2024 · €14,019
Cash flow
€36,689▲
2024 · €10,809
Current ratio
2.14▲
2024 · 1.37
Debt to equity
0.81▼
2024 · 2.34
ROE
108.2%▲
2024 · 26.7%
ROA
59.7%▲
2024 · 8.0%
Interest coverage
46.05▲
2024 · 7.67
Debt ≤ 1 year
€25,970▼
2024 · €76,542
Income taxes
€16,804▲
2024 · €6,698
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 26,975 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €284 | €1,464 | €848 | €2,094 | €2,094 | = |
| Other operating charges640/8 | - | €3,358 | €1,778 | €7,326 | €567 | ▼ 92.3% |
| Non-recurring operating charges66A | - | - | €854 | - | - | - |
| Gross operating margin9900 | €3,808 | €11,576 | €125,131 | €21,345 | €47,788 | ▲ 124% |
| Operating profit (loss)9901 | €3,233 | €6,754 | €121,650 | €11,925 | €45,127 | ▲ 278% |
| Financial income75/76B | - | - | - | €5,315 | €7,298 | ▲ 37.3% |
| Recurring financial income75 | - | - | - | €5,315 | €7,298 | ▲ 37.3% |
| Financial charges65/66B | - | €219 | €421 | €1,828 | €1,026 | ▼ 43.9% |
| Recurring financial charges65 | €48 | €219 | €421 | €1,828 | €1,026 | ▼ 43.9% |
| Profit (loss) for the period before taxes9903 | €3,185 | €6,536 | €121,229 | €15,413 | €51,400 | ▲ 233% |
| Income taxes67/77 | €2,143 | €6,054 | €34,744 | €6,698 | €16,804 | ▲ 151% |
| Profit (loss) for the period9904 | €1,043 | €481 | €86,485 | €8,715 | €34,595 | ▲ 297% |
| Profit (loss) for the period to be appropriated9905 | €1,043 | €481 | €86,485 | €8,715 | €34,595 | ▲ 297% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17,266 | €20,327 | €169,453 | €109,216 | €57,945 | ▼ 46.9% |
| Fixed assets21/28 | - | €5,854 | €5,346 | €4,336 | €2,242 | ▼ 48.3% |
| Tangible fixed assets22/27 | - | €5,854 | €5,346 | €4,336 | €2,242 | ▼ 48.3% |
| Furniture and vehicles24 | - | €5,854 | €5,346 | €4,336 | €2,242 | ▼ 48.3% |
| Current assets29/58 | €17,266 | €14,472 | €164,107 | €104,880 | €55,703 | ▼ 46.9% |
| Amounts receivable after more than one year29 | - | - | €45,000 | €98,801 | €40,116 | ▼ 59.4% |
| Trade receivables290 | - | - | €45,000 | €98,801 | €40,116 | ▼ 59.4% |
| Amounts receivable within one year40/41 | €7,273 | €11,913 | €112,873 | €2,643 | - | - |
| Trade receivables40 | - | €11,913 | €112,873 | €2,273 | - | - |
| Other amounts receivable41 | - | - | - | €370 | - | - |
| Cash at bank and in hand54/58 | €9,864 | €2,398 | €6,203 | €2,213 | €15,264 | ▲ 590% |
| Deferred charges and accrued income490/1 | - | €162 | €31 | €1,224 | €323 | ▼ 73.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17,266 | €20,327 | €169,453 | €109,216 | €57,945 | ▼ 46.9% |
| Equity10/15 | €7,592 | €8,074 | €23,959 | €32,674 | €31,975 | ▼ 2.1% |
| Contributions10/11 | - | €6,200 | €18,600 | €18,600 | €18,600 | = |
| Outside capital11 | - | €6,200 | €18,600 | €18,600 | €18,600 | = |
| Other1109/19 | - | €6,200 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | €1,392 | €1,874 | €5,359 | €14,074 | €13,375 | ▼ 5.0% |
| Amounts payable17/49 | €9,674 | €12,253 | €145,494 | €76,542 | €25,970 | ▼ 66.1% |
| Amounts payable within one year42/48 | €9,674 | €12,253 | €144,352 | €76,542 | €25,970 | ▼ 66.1% |
| Trade debts44 | €1,211 | €1,952 | €24,249 | €3,657 | €129 | ▼ 96.5% |
| Suppliers440/4 | - | €1,952 | €24,249 | €3,657 | €129 | ▼ 96.5% |
| Taxes, remuneration and social security45 | - | €9,577 | €35,734 | €28,967 | €25,840 | ▼ 10.8% |
| Taxes450/3 | - | €7,957 | €35,734 | €26,517 | €23,390 | ▼ 11.8% |
| Remuneration and social security454/9 | - | €1,620 | - | €2,450 | €2,450 | = |
| Other amounts payable47/48 | - | €723 | €84,369 | €43,918 | - | - |
| Accrued charges and deferred income492/3 | - | - | €1,142 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,043 | €481 | €86,485 | €8,715 | €34,595 | ▲ 297% |
| + Depreciation and write-downs630 | €284 | €1,464 | €848 | €2,094 | €2,094 | = |
| Operating cash flow (approximation) | €1,327 | €1,945 | €87,333 | €10,809 | €36,689 | ▲ 239% |
| Investment in fixed assets (approximation) | - | - | -€340 | -€1,083 | €0 | ▲ 100% |
| Change in cash | - | -€7,467 | €3,806 | -€3,991 | €13,051 | ▲ 427% |
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
21-05
State Gazette act
Resignation: WYNS Emmanuel Simon Joseph (manager)Reappointment: WYNS Emmanuel Simon Joseph (non-statutory director) · Statutes amendment · Legal form clause14 facts ▸
State Gazette act
Resignation: WYNS Emmanuel Simon Joseph (manager)
Reappointment: WYNS Emmanuel Simon Joseph (non-statutory director) · Statutes amendment · Legal form clause14 facts ▸
- General meeting, 12-05-2026
- Statutes amendment
- Legal form clause, MANA ADVICE
- Capital conversion, capital effectivement libéré en numéraire, de plein droit
- Reserve release, compte de capitaux propres disponibles
- Other statement, rendre disponible le compte ne les autorise à libérer celui-ci que dans le respect de la procédure de distribution, information sur la procédure de distribution
- Other statement, condition de remboursement de fonds propres, avant la signature de l’acte
- Statutes amendment, 5
- Statutes amendment
- Director resignation, WYNS Emmanuel Simon Joseph (manager)
- Director reappointment, WYNS Emmanuel Simon Joseph (non-statutory director)
- Declaration, 08-05-2026
- +2 further facts in this act
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 17 days late
2023
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-04
Financial
Highest result since 2019net €86,485 ▲17,864%
Operating result €121,650, net result €86,485, both a record.
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 57 days late
2020
11-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 163 days late
30-04
Financial
Back to profitnet €1,775
Net result €1,775 after one loss-making year.
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not 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
1 director, last change in 2026
WYNS Emmanuel Simon Joseph
CurrentNon-statutory director
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Sint-Lambrechts-Woluwe · 1 establishment unit since 2017
Ground area
108 m²
Building footprint
77 m²
Volume, LiDAR
582 m³
Parcel 21672C0034/00E003, Brussels · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
MANA ADVICE
since 20172.265.969.290
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21672C0034/00E003 | Brussels | 108 m² | 1 · 76 m² | 13.2 m · 3 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.
Mandate history
1 person since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| WYNS Emmanuel Simon Joseph |
|
Articles of association
Annual meeting
First Monday of October at 18:00
Duration
Unlimited
Purpose
Toutes les opérations généralement quelconques se rapportant directement ou indirectement aux activités d’assurances,de sous-agents en assurances et d’intermédiation en assurances…
Full purpose (10 activities)
- Toutes les opérations généralement quelconques se rapportant directement ou indirectement aux activités d’assurances,de sous-agents en assurances et d’intermédiation en assurances
- Toutes les opérations quelconques se rapportant aux prêts hypothécaires,aux activités d’intermédiaire commercial,d’intermédiaire de crédit et de financement
- Toutes les opérations à caractère commercial telles que la vente de produits en tout genre et notamment la vente de site internet,d’objet d’art et de divers biens de communication. Il s’agit là d’une liste non limitative
- Toutes les opérations qui concernent de près ou de loin la création et le développement de site internet,d'applications mobiles (dans tous les langages de programmation,JAVA,net,etc...) ainsi que toutes les opérations en relation avec les technologies de l’informatique
- Toutes opérations à caractère publicitaires ou promotionnels
- Toutes les opérations ayant un lien direct ou indirect avec les prestations d’agent immobilier
- La prise de participations directes ou indirectes et la détention de ces participations,sous n'importe quelle forme,dans toutes entreprises belges ou étrangères,ainsi que l'administration,la gestion et la mise en valeur de ces participations
- La gestion des investissements et des participations dans des sociétés-filles,l'exercice de fonctions d'administrateur. Ces services peuvent être fournis sur une base contractuelle ou statutaire et en la qualité de conseiller externe ou d'organe
- La gestion au sens large de toutes sociétés ou entreprises de droit belge ou de droit étranger,commerciales,industrielles,financières,mobilières et immobilières,ainsi que le contrôle de leur gestion ou la participation à celle-ci par la prise de tous mandats au sein desdites sociétés ou entreprises
- Les conseils aux sociétés que celles-ci soient ou non contrôlées notamment en matière de marketing et de management,et notamment,sans que cette liste ne soit exhaustive,l’assistance en matière de développement,l’analyse d’informations relatives aux tendances du marché et aux évolutions récentes,la communication institutionnelle externe,la mise en place et le suivi d’une charte éthique au sein des groupes de sociétés et l’assistance dans la définition de la politique générale des ressources humaines
Registered office clause
Sortir l’adresse exacte du siège des statuts, 2
Other statement
Compte de capitaux propres statutairement indisponible, défaut de stipulation ou apport sans émission d'actions nouvelles:inscrits sur compte disponible
Appels de fonds, traitement égal de tous les actionnaires concernés
Droit de préférence revient au débiteur-gagiste, apport en numéraire avec émission d'actions nouvelles-droit de préférence
Indivisibilité des titres, titres indivisibles,un seul propriétaire reconnu par titre pour exercice des droits
Organe d'administration, distributions du bénéfice de l'exercice en cours ou du bénéfice de l'exercice précédent tant que les comptes annuels n'ont pas été appr…
Article 16. Gestion journalière
Un ou plusieurs commissaires, Contrôle de la société
Article 19. Admission à l’assemblée générale
Administrateur,à défaut actionnaire présent détenant le plus d'actions,à parité le plus âgé, Séances – procès-verbaux
Article 21. Délibérations
Séance tenante par l'organe d'administration, toute assemblée générale ordinaire ou extraordinaire
Article 23. Assemblée générale par procédure écrite
Assemblée générale électronique, contient description claire et précise des procédures de participation à distance
Répartition–réserves, bénéfice annuel net
Election de domicile, communications,sommations,assignations,significations valablement faites
Tribunaux du siège, Compétence judiciaire
Droit commun
Share class
Toutes nominatives, nature des actions
Transfer restriction
Article 11. Cession d’actions
Board rule
Organe d'administration, assemblée nommant fixe nombre,durée et,en cas de pluralité,pouvoirs
Rémunération des administrateurs, fixe ou proportionnelle
Dissolution rule
Formes prévues pour modifications aux statuts, assemblée générale
Liquidation rule
Dissolution pour quelque cause et à quelque moment, si aucun autre liquidateur désigné
Liquidation distribution
Actif net réparti entre actionnaires en proportion de leurs actions, apurement dettes,charges,frais ou consignation montants nécessaires
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Identification & contact
Identification
Legal formPrivate limited company
Founded23-05-2017
Fiscal year end30-04
E-invoicing
Reachable via Peppol
Peppol ID
0208:0675939154
Also
9925:BE0675939154
Registered
21-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.