PROFESSIONAL IMAGE & ADVICE
ActivePROFESSIONAL IMAGE & ADVICE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €-6k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▲+7
Solvency60▼-40
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 5.16 in 2024; short-term debt: 64.9% and cash: 13.3% of total assets), and 64.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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 · 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
35.1%
Return on assets
-9.5%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year €-6k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 6 filingsDeviation from the deadline
2025
21 d late
2024
29 d late
2023
2 d early
2022
23 d late
2021
24 d late
2020
26 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 21.4%
2024 · €30k
2020: €10k
2021: €7k
2022: €32k
2023: €52k
2024: €30k
2020 → 2025
Total assets
€66k▲ 81.4%
2024 · €37k
2020: €15k
2021: €14k
2022: €44k
2023: €65k
2024: €37k
2020 → 2025
Net result
€-6k▲ 72.0%
2024 · €-23k
2020: €7k
2021: €-3k
2022: €25k
2023: €20k
2024: €-23k
2020 → 2025
Working capital
€150▼ 99.5%
2024 · €29k
2020: €10k
2021: €7k
2022: €31k
2023: €50k
2024: €29k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€7k-€32k▲ 385%€52k▲ 64.7%€30k▼ 43.3%€23k▼ 21.4%
Operating result€-2k-€34k€28k▼ 16.8%€-20k€-4k▲ 77.9%
Net result€-3k-€25k€20k▼ 18.5%€-23k€-6k▲ 72.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €20k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€23k▲ 3,361%
Current assets
€43k▲ 20.3%
Equity and liabilities €66k
Equity
€23k▼ 21.4%
Debt
€43k▲ 519%
The debt ratio rises from 19.0% to 64.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▲
2024 · €-19k
Cash flow
€-4k▲
2024 · €-21k
Solvency
35.1%▼
2024 · 81.0%
Current ratio
1.00▼
2024 · 5.16
Quick ratio
1.00▼
2024 · 5.16
Debt / equity
1.85▲
2024 · 0.23
ROE
-27.2%▲
2024 · -76.4%
ROA
-9.5%▲
2024 · -61.9%
Interest coverage
-1.15▲
2024 · -8.75
Debt
€43k▲
2024 · €7k
Debt ≤ 1 year
€43k▲
2024 · €7k
Income taxes
€212▼
2024 · €258
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€37k€66k▲
Fixed assets21/28€667€23k▲
Tangible fixed assets22/27€667€23k▲
Plant, machinery and equipment23€667€0▼
Other tangible fixed assets26-€23k
Current assets29/58€36k€43k▲
Amounts receivable within one year40/41€31k€34k▲
Trade receivables40€25k€30k▲
Other amounts receivable41€6k€5k▼
Cash at bank and in hand54/58€5k€9k▲
Deferred charges and accrued income490/1€264€273▲
Equity and liabilities
Total equity and liabilities10/49€37k€66k▲
Equity10/15€30k€23k▼
Contributions10/11€3k€3k=
Reserves13€45k€45k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€-18k€-25k▼
Amounts payable17/49€7k€43k▲
Amounts payable within one year42/48€7k€43k▲
Financial debts43€630€713▲
Credit institutions430/8€630€713▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€826▼
Remuneration and social security454/9-€4k
Other amounts payable47/48-€33k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€618€571▼
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€-14k€-1k▲
Operating profit (loss)9901€-20k€-4k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-22k€-6k▲
Income taxes67/77€258€212▼
Profit (loss) for the period9904€-23k€-6k▲
Profit (loss) for the period to be appropriated9905€-23k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-25k▼
Profit (loss) brought forward from the previous period14P€4k€-18k▼
The notes to these accounts (5 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-23k ▼210%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 4.25
Current ratio from 1.89 to 4.25.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 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, Lummen · 1 establishment unit since 2020
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.
Helderstraat 253560 LummenGround area
583 m²
Building footprint
217 m²
Volume, LiDAR
989 m³
Parcel 71037C0301/00E000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PROFESSIONAL IMAGE & ADVICE
since 20202.299.229.602
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C0301/00E000 | Flanders | 583 m² | 1 · 217 m² | 6.3 m · 2 fl. |
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.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 32,139 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2020
Fiscal year end31-12
Abbreviation NL
PIA
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@piapia.be