Checked.be
Active
BE 0882.426.222Private limited company
SKILL ADVICE
Fochelstraat 74 ·9280 Lebbeke, Belgium· 20 yrs active
Sector: Development of non-residential building projects
(68122)
Conclusion
SKILL ADVICE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €579k and a net result of €99k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 93% of 13549 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €579k |
| Net result | €99k |
| Better than sector | 93% |
| Active | 20 yrs |
Financial profile
89
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
80
Profitability
86
Solvency
100
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 2006, 20 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
80
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€45k
estimate, not credit advice
Score history
86
2022
100
2023
93
2024
80
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 16.88 (≥ 1.5)
+10
Quick ratio
Quick ratio 16.88 (≥ 1.0)
+5
Leverage
Debt/equity 0.08 (< 1.0)
+10
Profitability
ROE 17% (≥ 10%)
+10
Interest coverage
Interest coverage -683.3× (< 1.5×)
-10
Profit trend
Net profit up YoY
+5
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 22-01-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~7.8%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 92.2% | 29.9% | |
| Net result | €99k | €6k | |
| Equity | €579k | €79k | |
| Gross operating margin | €195k | €41k | |
| Staff costs | €54k | €28k |
€139k
+28.6%
22-25
€99k
+27.6%
22-25
€100k
+29.0%
22-25
€629k
-13.8%
22-25
€579k
-16.6%
22-25
€585k
-15.8%
22-25
€54k
+12.4%
22-25
€43k
+35.0%
22-25
€215k
-
22-25
€49k
+42.9%
22-25
€37k
+7.0%
22-25
16.88
-20.3%
22-25
16.88
-20.3%
22-25
92.2%
-3.3%
22-25
0.08
+71.4%
22-25
17.1%
+53.1%
22-25
15.8%
+48.1%
22-25
-683.32
-
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - |
| EBITDA | €139k | €108k | €133k | €70k |
| Net profit | €99k | €78k | €84k | €35k |
| Cash flow | €100k | €78k | €99k | €52k |
| Staff costs | €54k | €48k | €49k | €46k |
| Income taxes | €43k | €32k | €33k | €17k |
| Dividends | €215k | - | €0 | €800 |
| Total assets | €629k | €729k | €670k | €560k |
| Equity | €579k | €695k | €617k | €534k |
| Debt | €49k | €34k | €52k | €26k |
| of which ≤ 1y | €37k | €34k | €52k | €26k |
| of which > 1y | - | - | - | - |
| Working capital | €585k | €695k | €617k | €519k |
| Employees (FTE) | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 16.88 | 21.18 | 12.78 | 20.88 |
| Quick ratio | 16.88 | 21.18 | 12.78 | 20.88 |
| Working capital ratio | 93.1% | 95.3% | 92.2% | 92.6% |
| Solvency | 92.2% | 95.3% | 92.2% | 95.3% |
| Debt / equity | 0.08 | 0.05 | 0.08 | 0.05 |
| Long-term debt ratio | - | - | - | - |
| Interest coverage | -683.32 | 609.04 | 674.15 | 235.70 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 15.8% | 10.7% | 12.5% | 6.3% |
| ROE | 17.1% | 11.2% | 13.6% | 6.6% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €629k | €729k | €670k | €560k |
| Fixed assets | 21/28 | €7k | - | €0 | €15k |
| Tangible fixed assets | 22/27 | €7k | - | €0 | €15k |
| Current assets | 29/58 | €622k | €729k | €670k | €545k |
| Amounts receivable within one year | 40/41 | €112k | €94k | €86k | €80k |
| Cash & bank | 54/58 | €507k | €633k | €581k | €463k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €629k | €729k | €670k | €560k |
| Equity | 10/15 | €579k | €695k | €617k | €534k |
| Contributions / capital | 10/11 | €12k | €12k | €12k | €12k |
| Reserves | 13 | €567k | €683k | €605k | €521k |
| Accumulated profits (losses) | 14 | €0 | - | €0 | €0 |
| Amounts payable | 17/49 | €49k | €34k | €52k | €26k |
| Amounts payable within one year | 42/48 | €37k | €34k | €52k | €26k |
| Trade debts payable within one year | 44 | €426 | €5k | €14k | €7k |
| Income statement | |||||
| Gross operating margin | 9900 | €195k | €157k | €183k | €117k |
| Operating result | 9901 | €138k | €108k | €117k | €53k |
| Financial income | 75 | €4k | €1k | €0 | €0 |
| Financial charges | 65 | €-204 | €178 | €197 | €295 |
| Result before taxes | 9903 | €142k | €110k | €117k | €53k |
| Income taxes | 67/77 | €43k | €32k | €33k | €17k |
| Net result for the period | 9904 | €99k | €78k | €84k | €35k |
| Result to be appropriated | 9905 | €99k | €78k | €84k | €35k |
Legal Structure
| NACE primary | Development of non-residential building projects(68122) |
| Legal form | Private limited company(610) |
| Incorporation | 10-07-2006 |
| Status | Active |
| Postal code | 9280 |
Establishment units
"SKILL ADVICE"
since 20062.155.346.730
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42322C0192/00M002 | Flanders | 952 m² | 1 · 109 m² | 9.6 m · 1 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2022net €99k ▲27.6%
Operating result €138k, net result €99k, both a record.
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
17-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Development of non-residential building projects6812270113Other professional, scientific and technical activities74909Other professional, scientific and technical activities74999General construction of residential buildings4100145211Business and other management consultancy70200Business consulting70220Engineering and related technical consultancy, excluding land surveyors711217414274203
Names & trade names
| Legal nameNL | SKILL ADVICE |
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