My ADVISOR
ActiveSummary
My ADVISOR has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-104k) and a net result of €14k. Equity is shrinking by ~39.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▲+56
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.6 against 0.42 in 2024; short-term debt: 147.1% and cash: 0.5% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six 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 · 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 2025Solvency, return and age of the figures
Solvency
-48.9%
Return on assets
6.4%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
90 d late
2022
30 d late
2021
30 d late
2020
181 d late
2019
1 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14k
2024 · €-71k
2018: €396
2019: €6k
2020: €-23k
2021: €-17k
2022: €-67k
2023: €-44k
2024: €-71k
2018 → 2025
Working capital
€-125k▲ 12.0%
2024 · €-142k
2018: €93k
2019: €104k
2020: €71k
2021: €51k
2022: €-13k
2023: €-72k
2024: €-142k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€-3k€-46k▼ 1,639%€-117k▼ 152%€-104k▲ 11.5%
Operating result€-17k-€-66k▼ 294%€-43k▲ 34.8%€-63k▼ 47.3%€21k
Net result€-17k-€-67k▼ 289%€-44k▲ 34.2%€-71k▼ 61.2%€14k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €63k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €212k
Fixed assets
€25k ▼ 7.2%
Current assets
€187k ▲ 84.6%
Key figures and ratios
EBITDA
€26k▲
2024 · €-59k
Cash flow
€19k▲
2024 · €-66k
Solvency
-48.9%▲
2024 · -91.3%
Current ratio
0.60▲
2024 · 0.42
Quick ratio
0.36▲
2024 · 0.11
Debt to equity
-3.05▼
2024 · -2.10
ROA
6.4%▲
2024 · -55.0%
Interest coverage
3.48▲
2024 · -8.02
Debt
€315k▲
2024 · €245k
Debt ≤ 1 year
€312k▲
2024 · €243k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€128k€212k▲
Fixed assets21/28€27k€25k▼
Tangible fixed assets22/27€27k€25k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24-€2k
Other tangible fixed assets26€24k€21k▼
Current assets29/58€101k€187k▲
Stocks and contracts in progress3€74k€74k=
Stocks30/36€21k€21k=
Contracts in progress37€53k€53k=
Amounts receivable within one year40/41€22k€101k▲
Trade receivables40€19k€95k▲
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€536€1k▲
Deferred charges and accrued income490/1€4k€11k▲
Equity and liabilities
Total equity and liabilities10/49€128k€212k▲
Equity10/15€-117k€-104k▲
Contributions10/11€100k€100k=
Profit (loss) carried forward14€-217k€-204k▲
Amounts payable17/49€245k€315k▲
Amounts payable within one year42/48€243k€312k▲
Trade debts44€30k€143k▲
Suppliers440/4€30k€143k▲
Other amounts payable47/48€213k€168k▼
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€-7k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€3k-
Gross operating margin9900€-59k€27k▲
Operating profit (loss)9901€-63k€21k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€-71k€14k▲
Profit (loss) for the period9904€-71k€14k▲
Profit (loss) for the period to be appropriated9905€-71k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-217k€-204k▲
Profit (loss) brought forward from the previous period14P€-147k€-217k▼
Transfer from equity791/2€310-
Transfer to equity691/2€310-
To contributions691€310-
The notes to these accounts (6 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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after 5 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-71k
Net result drops to €-71k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 90 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 181 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
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, Huy · 1 establishment unit since 2018
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.
Chaussée d'Andenne 184500 HuyGround area
1,309 m²
Parcel 61007C0542/02W004, Wallonia. Linked by address, not a title deed.
1 establishment unit
My ADVISOR
since 20182.276.554.465
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61007C0542/02W004 | Wallonia | 1,309 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.
Similar companies · same sector, comparable size
AVPAO
BE 0476.625.237
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NOVADVICE BELGIUM
BE 0751.561.443
Watermaal-Bosvoorde · Eq €63,920
Rodis Resto Management
BE 0732.505.101
Mechelen · Eq €63,901
CGO
BE 0893.467.394
Aalst · Eq €63,893
ANDIKEM
BE 0778.834.279
Namur · Eq €63,889
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,268 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
Founded25-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.