NorDadvice
ActiveNorDadvice has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €287k and a net result of €64k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 12642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 23.76 against 22.48 in 2024; short-term debt: 3.5% and cash: 65.6% of total assets), and 4.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
95.8%
Return on assets
21.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
40 d early
2024
42 d early
2023
50 d early
2022
47 d early
2021
39 d early
2020
38 d early
2019
37 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€287k▲ 28.6%
2024 · €223k
2019: €111k
2020: €120k
2021: €154k
2022: €167k
2023: €170k
2024: €223k
2019 → 2025
Total assets
€300k▲ 28.0%
2024 · €234k
2019: €117k
2020: €147k
2021: €163k
2022: €178k
2023: €221k
2024: €234k
2019 → 2025
Net result
€64k▲ 19.8%
2024 · €53k
2019: €36k
2020: €29k
2021: €34k
2022: €30k
2023: €44k
2024: €53k
2019 → 2025
Working capital
€239k▲ 24.0%
2024 · €193k
2019: €88k
2020: €98k
2021: €131k
2022: €140k
2023: €148k
2024: €193k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€154k-€167k▲ 8.0%€170k▲ 2.1%€223k▲ 31.3%€287k▲ 28.6%
Operating result€43k-€39k▼ 10.4%€56k▲ 45.2%€68k▲ 20.6%€81k▲ 19.6%
Net result€34k-€30k▼ 12.7%€44k▲ 45.2%€53k▲ 22.3%€64k▲ 19.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300k
Fixed assets
€50k▲ 55.0%
Current assets
€250k▲ 23.7%
Equity and liabilities €300k
Equity
€287k▲ 28.6%
Debt
€13k▲ 17.2%
The debt ratio falls from 4.6% to 4.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€91k▲
2024 · €76k
Cash flow
€74k▲
2024 · €61k
Solvency
95.8%▲
2024 · 95.4%
Current ratio
23.76▲
2024 · 22.48
Quick ratio
23.76▲
2024 · 22.48
Debt / equity
0.04▼
2024 · 0.05
ROE
22.2%▼
2024 · 23.8%
ROA
21.3%▼
2024 · 22.8%
Interest coverage
1659.79▲
2024 · 1237.83
Debt
€13k▲
2024 · €11k
Debt ≤ 1 year
€11k▲
2024 · €9k
Income taxes
€17k▲
2024 · €14k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€234k€300k▲
Fixed assets21/28€32k€50k▲
Tangible fixed assets22/27€32k€50k▲
Land and buildings22€7k€5k▼
Furniture and vehicles24€4k€28k▲
Other tangible fixed assets26€21k€17k▼
Financial fixed assets28€90€90=
Current assets29/58€202k€250k▲
Amounts receivable within one year40/41-€1k
Trade receivables40-€264
Other amounts receivable41-€1k
Current investments50/53-€50k
Cash at bank and in hand54/58€202k€197k▼
Deferred charges and accrued income490/1€50€2k▲
Equity and liabilities
Total equity and liabilities10/49€234k€300k▲
Equity10/15€223k€287k▲
Contributions10/11€19k€19k=
Reserves13€205k€269k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€203k€267k▲
Amounts payable17/49€11k€13k▲
Amounts payable within one year42/48€9k€11k▲
Financial debts43-€293
Credit institutions430/8-€293
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€3k€0▼
Taxes450/3€3k€0▼
Remuneration and social security454/9€160€0▼
Other amounts payable47/48€4k€6k▲
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€11k▲
Other operating charges640/8€622€635▲
Gross operating margin9900€76k€92k▲
Operating profit (loss)9901€68k€81k▲
Financial income75/76B€0€333▲
Recurring financial income75€0€333▲
Financial charges65/66B€61€55▼
Recurring financial charges65€61€55▼
Profit (loss) for the period before taxes9903€68k€81k▲
Income taxes67/77€14k€17k▲
Profit (loss) for the period9904€53k€64k▲
Profit (loss) for the period to be appropriated9905€53k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€64k▲
Transfer to equity691/2€53k€64k▲
To other reserves6921€53k€64k▲
The notes to these accounts (7 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €64k ▲19.8%
Operating result €81k, net result €64k, both a record.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Liquidity times 6current ratio 22.48
Current ratio from 3.92 to 22.48; short-term debt falls from €51k to €9k.
30-06
Financial
Equity above €200kEq €223k ▲31.3%
6 profitable years in a row build equity to €223k.
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity quadruplescurrent ratio 16.45
Current ratio from 4.60 to 16.45; short-term debt falls from €27k to €8k.
30-06
Financial
Equity above €150kEq €154k ▲28.7%
3 profitable years in a row build equity to €154k.
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €29k ▼19.6%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
2019
25-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
06-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Evergem · 1 establishment unit since 2015
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.
Hooiwege 22b9940 EvergemGround area
2,134 m²
Building footprint
426 m²
Volume, LiDAR
2,289 m³
2 parcels, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NorDadvice
since 20152.247.308.272
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44066C0657/00C000 | Flanders | 1,146 m² | 1 · 213 m² | 11.2 m · 2 fl. |
| 44066C0650/00C000 | Flanders | 988 m² | 1 · 213 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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KADEGE CONSULT
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ILSA GODLOVITCH
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LAIKA TAX CONSULTING
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Of 2,761 companies in sector 69109 we hold annual accounts for 1,209. 852 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-10-2015
Fiscal year end30-06
Activities, NACEBEL
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.