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NM ADVICE

Active Risk: not assessed
Private limited companyfounded 2024active for 2 yearsFelix Beernaertsplein 52, 9230 Wetteren, BelgiumKBO/BCE: BE 1014.680.277
Summary

NM ADVICE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €150,784 and a net result of €104,655. Its solvency ranks better than 75% of 9,737 sector peers (NACE 64, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Activities of holding companies
NACE 64210
1 site
Size
≈ €230,000turnover 2025, estimated
Staff
≈ 0 FTE, estimated
Equity
€150,784
Profit
€104,655
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts on time
Signalsraises riskYoung companyneutralLatest accounts filed on timeShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Two signals.
raises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 years
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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
on the day
2024
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average on the deadline day; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Where today falls in the filing period
30-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Equity above €150,000equity €150,784 ▲227%
  3. Annual accounts filedfinancial year 2024 · micro…

Financials · financial year 2025, micro format

Equity
€150,784▲ 227%
2024 · €46,130
Net result
€104,655▲ 154%
2024 · €41,130
Total assets
€195,886▲ 255%
2024 · €55,171
Solvency
77.0%▼ 6.6pp
2024 · 83.6%
Trend over the years

2024 to 2025, 2 financial years

The operating result rises in 2025; 2025 is over 3.5 times 2024.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€145,336 2025 Net result€104,655 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable unfavourable
Line20242025
Operating result€41,138-€145,336▲ 253%
Net result€41,130within the sector's middle half-€104,655above the sector's middle half▲ 154%
Equity€46,130within the sector's middle half-€150,784within the sector's middle half▲ 227%
Total assets€55,171below the sector's middle half-€195,886within the sector's middle half▲ 255%
Debt€9,041-€45,102▲ 399%
Working capital€46,130within the sector's middle half-€149,819above the sector's middle half▲ 225%
Solvency83.6%above the sector's middle half-77.0%within the sector's middle half▼ 6.6pp
Current ratio6.10above the sector's middle half-4.32above the sector's middle half▼ 1.78
Return on assets (ROA)74.5%above the sector's middle half-53.4%above the sector's middle half▼ 21.1pp
above within below the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €195,886
Fixed assets €965
Current assets €194,921
Equity and liabilities €195,886
Equity €150,784 ▲ 227%
Debt €45,102 ▲ 399%
Debt's share of the balance-sheet total rises from 16.4% to 23.0%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
69.4%▼
2024 · 89.2%
Debt ≤ 1 year
€45,102▲
2024 · €9,041
Income taxes
€40,731
Staff costs
€524▲
2024 · €95
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet Code20242025
Assets
Total assets20/58€55,171€195,886▲
Fixed assets21/28-€965
Tangible fixed assets22/27-€815
Furniture and vehicles24-€815
Financial fixed assets28-€150
Current assets29/58€55,171€194,921▲
Amounts receivable within one year40/41€18,150€22,129▲
Trade receivables40€18,150€21,780▲
Other amounts receivable41-€349
Current investments50/53-€160,081
Cash at bank and in hand54/58€37,021€11,587▼
Deferred charges and accrued income490/1-€1,125
Equity and liabilities
Total equity and liabilities10/49€55,171€195,886▲
Equity10/15€46,130€150,784▲
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14€41,130€145,784▲
Amounts payable17/49€9,041€45,102▲
Amounts payable within one year42/48€9,041€45,102▲
Financial debts43€76€185▲
Credit institutions430/8€76€185▲
Trade debts44-€1,163
Suppliers440/4-€1,163
Taxes, remuneration and social security45€8,966€43,754▲
Taxes450/3€8,966€43,754▲
Income statement Code20242025
Remuneration, social security and pensions62€95€524▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€277
Other operating charges640/8€322€259▼
Gross operating margin9900€41,555€146,396▲
Operating profit (loss)9901€41,138€145,336▲
Financial income75/76B-€115
Recurring financial income75-€115
Financial charges65/66B€9€65▲
Recurring financial charges65€9€65▲
Profit (loss) for the period before taxes9903€41,130€145,385▲
Income taxes67/77-€40,731
Profit (loss) for the period9904€41,130€104,655▲
Profit (loss) for the period to be appropriated9905€41,130€104,655▲
Appropriation of the result
Profit (loss) to be appropriated9906€41,130€145,784▲
Profit (loss) brought forward from the previous period14P-€41,130

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Remuneration, social security and pensions62€95€524▲ 454%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€277-
Other operating charges640/8€322€259▼ 19.6%
Gross operating margin9900€41,555€146,396▲ 252%
Operating profit (loss)9901€41,138€145,336▲ 253%
Financial income75/76B-€115-
Recurring financial income75-€115-
Financial charges65/66B€9€65▲ 644%
Recurring financial charges65€9€65▲ 644%
Profit (loss) for the period before taxes9903€41,130€145,385▲ 253%
Income taxes67/77-€40,731-
Profit (loss) for the period9904€41,130€104,655▲ 154%
Profit (loss) for the period to be appropriated9905€41,130€104,655▲ 154%
Line20242025Change
Assets
Total assets20/58€55,171€195,886▲ 255%
Fixed assets21/28-€965-
Tangible fixed assets22/27-€815-
Furniture and vehicles24-€815-
Financial fixed assets28-€150-
Current assets29/58€55,171€194,921▲ 253%
Amounts receivable within one year40/41€18,150€22,129▲ 21.9%
Trade receivables40€18,150€21,780▲ 20.0%
Other amounts receivable41-€349-
Current investments50/53-€160,081-
Cash at bank and in hand54/58€37,021€11,587▼ 68.7%
Deferred charges and accrued income490/1-€1,125-
Equity and liabilities
Total equity and liabilities10/49€55,171€195,886▲ 255%
Equity10/15€46,130€150,784▲ 227%
Contributions10/11€5,000€5,000=
Profit (loss) carried forward14€41,130€145,784▲ 254%
Amounts payable17/49€9,041€45,102▲ 399%
Amounts payable within one year42/48€9,041€45,102▲ 399%
Financial debts43€76€185▲ 144%
Credit institutions430/8€76€185▲ 144%
Trade debts44-€1,163-
Suppliers440/4-€1,163-
Taxes, remuneration and social security45€8,966€43,754▲ 388%
Taxes450/3€8,966€43,754▲ 388%
Line20242025Change
Profit (loss) for the period9904€41,130€104,655▲ 154%
+ Depreciation and write-downs630-€277-
Operating cash flow (approximation)€41,130€104,932▲ 155%
Change in cash--€25,434-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (2)
Financial year Type Filed Reference
31-12-2025 micro format 31-07-2026 2026-00365841
31-12-2024 micro format 31-07-2025 2025-00341746

Similar companies · same sector, comparable size

Of the 24,455 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 20,124. 13,475 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
1 director, no change since 2024
MATTHYS Niels
Director (not named in the articles) · since 03-10-2024
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →

Mandate history

1 person since 2024, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
MATTHYS Niels
  • Director (not named in the articles), from 03-10-2024 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 08-10-2024 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 08-10-2024 Incorporation · €5,000 · 100 shares

Group and network

Connections & network

1 current director
Depth

The 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, zoom with the mouse wheel.

History

On 4 October 2024, NM ADVICE was incorporated as a private limited company by one natural person, with a starting capital of €5,000.12 MATTHYS Niels has served as director of the company since 2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 08-10-2024
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
31-07
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
31-12
Financial Equity above €150,000equity €150,784 ▲227%
A profit in every financial year since 2024 builds equity to €150,784.
31-07
NBB filing Annual accounts filed
financial year 2024 · micro format
2024
08-10
Gazette deed Incorporation
Appointment: MATTHYS Niels (director) · Founder · Registered office clause9 facts ▸
  • Incorporation, 03-10-2024
  • Founder, MATTHYS Niels
  • Registered office clause, “not yet active, 9230 Wetteren, Felix Beernaertsplein 52” (deed in Dutch)
  • Board composition, NM ADVICE
  • Director appointment, MATTHYS Niels (director (not named in the articles))
  • Declaration, “notary verified on 2024-09-27 via https://justonweb.be/companies that no criminal management ban was pronounced against the appointed director, no ban” (deed in Dutch)
  • Pre-incorporation commitments, “takeover, all commitments and obligations arising therefrom, and all activities undertaken” (deed in Dutch)
  • Other provision, “permits and authorizations, notary drew attention to fact that company may be required to obtain necessary prior authorizations or permits or fulfill certain co…” (deed in Dutch)
  • Founding capital, €5,000
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded04-10-2024
Financial year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID 0208:1014680277
Registered 26-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 30 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Wetteren · 1 establishment unit since 2024
registered office establishment The establishment unit on the map
Ground area
224 m²
Building footprint
99 m²
Building volume
606 m³
Parcel 42302E0029/00E002, Flanders · tallest building 11.0 m. Linked by address, not a title deed.
1 establishment unit
NM ADVICE
Felix Beernaertsplein 52, 9230 WetterenComputer programming
since 2024unit no. 2.364.962.344
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
42302E0029/00E002 Flanders 224 m² 1 · 99 m² 11.0 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“A/ Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen, het…” (deed in Dutch)
26 activities (deed in Dutch)
  1. A/ Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen, het stimuleren, de planning, de coördinatie, de ontwikkeling van en de investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt.
  2. B/ Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren, onder om het even welke vorm; in dit kader kan zij zich ook borg stellen of haar aval verlenen, in de meest ruime zin, alle handels- en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan kredietinstellingen. Zij mag haar onroerende goederen in hypotheek stellen voor alle leningen, kredietopeningen en andere verbintenissen zowel voor haarzelf als voor alle derden.
  3. C/ Het verlenen van adviezen van financiële, technische, commerciële of administratieve aard; in de ruimste zin, met uitzondering van adviezen inzake beleggingen en geldplaatsingen; bijstand en diensten verlenen, rechtstreeks of onrechtstreeks op het vlak van administratie en financiën, verkoop, productie en algemeen bestuur.
  4. D/ Het waarnemen van alle bestuursopdrachten en opdrachten van vereffenaars, het uitoefenen van opdrachten en functies.
  5. E/ Het ontwikkelen, kopen, verkopen, in licentie nemen of geven van octrooien, knowhow en aanverwante immateriële duurzame activa.
  6. F/ Het verlenen van administratieve prestaties en computerservices.
  7. G/ De aan- en verkoop, in- en uitvoer, commissiehandel en vertegenwoordiging van om het even welke goederen, in ‘t kort tussenpersoon in de handel.
  8. H/ Het onderzoek, de ontwikkeling, de vervaardiging of commercialisering van nieuwe producten, nieuwe vormen van technologie en hun toepassingen.
  9. De vennootschap mag alle verrichtingen stellen van commerciële, industriële, onroerende, roerende of financiële aard die rechtstreeks of onrechtstreeks met haar voorwerp verwant of verknocht zijn of de verwezenlijking ervan kunnen bevorderen.
  10. Zij mag deze activiteiten uitvoeren voor eigen rekening, voor rekening van derden of in deelneming met derden, in commissie, als tussenpersoon of als vertegenwoordiger.
  11. De vennootschap mag betrokken zijn bij wijze van inbreng, samensmelting, inschrijving of op elke andere wijze, in de ondernemingen, verenigingen of vennootschappen, die een gelijkaardig, soortgelijk of samenhangend voorwerp hebben of die nuttig zijn voor de verwezenlijking van het geheel of een gedeelte van haar voorwerp.
  12. Bovenvermelde opsomming is niet beperkend, zodat de vennootschap alle handelingen kan stellen, die op welke wijze ook kunnen bijdragen tot de verwezenlijking van haar voorwerp.
  13. De vennootschap mag zich borgstellen of zakelijke zekerheden verlenen ten voordele van vennootschappen of particulieren, in de meest ruime zin.
  14. In het geval de verrichting van bepaalde handelingen zou onderworpen zijn aan voorafgaande voorwaarden (noodzakelijke vergunning(en), toelating tot het beroep, ...), zal de vennootschap haar optreden, wat betreft de verrichting van deze handelingen, aan de vervulling van deze voorwaarden ondergeschikt maken.
  15. De vennootschap mag tot realisatie van haar voorwerp samenwerken met andere professionele dienstverleners in hun respectieve specifieke vakgebieden en daarmee zelfstandige samenwerkingsverbanden onder alle mogelijke vormen aangaan voor zover de wet deze niet uitsluit.
  16. De vennootschap kan tot waarborg van eigen verbintenissen borg stellen, onder meer door haar goederen in hypotheek of in pand te geven. Het stellen van zekerheden in het voordeel van derden dient steeds (1) in het belang van de vennootschap te worden gedaan, (2) in overeenstemming te zijn met het voorwerp van de vennootschap.
  17. Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
  18. Verlenen van adviezen en hulp aan het bedrijfsleven en de overheid op het gebied van planning, organisatie, efficiëntie en toezicht, het verschaffen van informatie aan de bedrijfsleiding, enz.
  19. Berekenen van de kosten en baten van de voorgestelde maatregelen op het gebied van planning, organisatie, efficiëntie, enz.
  20. Ontwerpen en programmeren van computerprogramma’s, computerconsultancy-activiteiten en aanverwante activiteiten
  21. Computerconsultancy-activiteiten
  22. Activiteiten van systeemintegrators
  23. Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen
  24. Verhuur van al dan niet gemeubelde appartementen en huizen
  25. A/ Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden, het aankopen, verkopen, ruilen, bouwen, verbouwen, onderhouden, verhuren, huren, verkavelen, prospecteren en uitbaten van onroerende goederen; de aan- en verkoop, huur en verhuur van roerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen, alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze roerende en onroerende goederen.
  26. B/ Het aanleggen, het oordeelkundig uitbouwen en beheren van een roerend patrimonium, alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals het verwerven door inschrijving of aankoop en het beheren van aandelen, obligaties, kasbons of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten rechtspersonen en ondernemingen.

The full purpose is in the deed

Name clauseThe name the company operates under according to its articles.
NM ADVICE
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Vlaams Gewest, bij enkel besluit van het bestuursorgaan” (deed in Dutch)

deed of 08-10-2024

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
“Artikel 14: Externe vertegenwoordigingsbevoegdheid Iedere bestuurder alleen vertegenwoordigt de vennootschap jegens derden en in rechte als…”
Board ruleHow the board is made up, meets and takes decisions.
“Rechtspersoon bestuurder, kan niet tevens in eigen naam of als vaste vertegenwoordiger van een andere rechtspersoon-bestuurder zetelen” (deed in Dutch)
“Dagelijks bestuur, bestuursorgaan kan hen op elk ogenblik ontslaan” (deed in Dutch)
“Vaste of evenredige vergoeding, vergoeding bestuurders” (deed in Dutch)
1 more provision on this in the deed

deed of 08-10-2024

Capital, shares and profit

Share issue ruleHow and by whom new shares can be issued.
“Gelijk recht in de winstverdeling en in het vereffeningsaldo, 100” (deed in Dutch)

deed of 08-10-2024

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Last Friday of June at 17:00

deed of 08-10-2024

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor
Dissolution ruleWhen and by whom the company can be dissolved.
One provision in the deed
Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
One provision in the deed

deed of 08-10-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Bestuurder of lid van collegiaal bestuursorgaan met rechtstreeks of onrechtstreeks belang van vermogensrechtelijke aard dat strijdig is met…” (deed in Dutch)
Other provision: “Controle, hernieuwbare termijn van drie jaar” (deed in Dutch)
Other provision: “Elke aandeelhouder kan aan ieder andere persoon, al dan niet aandeelhouder, door alle middelen van overdracht, een schriftelijke volmacht…” (deed in Dutch)
Other provision: “Alle algemene vergaderingen mogen alleen beslissen over de voorstellen die zijn opgenomen in de agenda, agenda” (deed in Dutch)
Other provision: “Besluiten worden genomen bij meerderheid van stemmen, ongeacht het aantal effecten dat op de algemene vergadering vertegenwoordigd is…” (deed in Dutch)
Other provision: “Verdaging, doet geen afbreuk aan de andere genomen besluiten tenzij algemene vergadering anders beslist” (deed in Dutch)
9 more provisions in the deed, see the deed of 08-10-2024

deed of 08-10-2024