SOFTADVICE
ActiveSOFTADVICE has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €130k and a net result of €-31k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 16% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
52
/ 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
Profitability32▼-18
Solvency37▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.88 against 2.08 in 2024; short-term debt: 45.3% and cash: 0.6% of total assets), but 88.2% of the assets are financed with debt.
Credit advice 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 16% of 8647 sector peers (2025).
NBB · sector comparisonPosition among 8647 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
30 d early
2023
on the day
2022
3 d early
2021
30 d early
2020
1 d early
2019
21 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€130k▼ 19.1%
2024 · €160k
2018: €70k
2019: €72k
2020: €80k
2021: €87k
2022: €131k
2023: €151k
2024: €160k
2018 → 2025
Total assets
€1.10M▲ 22.9%
2024 · €895k
2018: €294k
2019: €346k
2020: €405k
2021: €501k
2022: €619k
2023: €1.20M
2024: €895k
2018 → 2025
Net result
€-31k
2024 · €9k
2018: €4k
2019: €2k
2020: €8k
2021: €7k
2022: €44k
2023: €20k
2024: €9k
2018 → 2025
Working capital
€438k▲ 6.5%
2024 · €412k
2018: €62k
2019: €69k
2020: €73k
2021: €69k
2022: €351k
2023: €575k
2024: €412k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€131k▲ 51.2%€151k▲ 15.3%€160k▲ 6.1%€130k▼ 19.1%
Operating result€25k-€74k▲ 191%€52k▼ 29.3%€54k▲ 3.4%€15k▼ 71.7%
Net result€7k-€44k▲ 574%€20k▼ 54.8%€9k▼ 54.3%€-31k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 72% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€163k▲ 61.0%
Current assets
€937k▲ 18.0%
Equity and liabilities €1.10M
Equity
€130k▼ 19.1%
Debt
€970k▲ 32.0%
The debt ratio rises from 82.1% to 88.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€61k▼
2024 · €80k
Cash flow
€15k▼
2024 · €36k
Solvency
11.8%▼
2024 · 17.9%
Current ratio
1.88▼
2024 · 2.08
Quick ratio
1.69▲
2024 · 1.62
Debt / equity
7.49▲
2024 · 4.59
ROE
-23.6%▼
2024 · 5.7%
ROA
-2.8%▼
2024 · 1.0%
Interest coverage
2.05▼
2024 · 3.62
Debt
€970k▲
2024 · €735k
Debt ≤ 1 year
€499k▲
2024 · €382k
Debt > 1 year
€2k
Income taxes
€17k▼
2024 · €23k
Staff costs
€300k▲
2024 · €236k
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€895k€1.10M▲
Fixed assets21/28€101k€163k▲
Intangible fixed assets21€92k€150k▲
Tangible fixed assets22/27€7k€11k▲
Land and buildings22-€4k
Plant, machinery and equipment23€769€384▼
Furniture and vehicles24€6k€7k▲
Financial fixed assets28€2k€2k=
Current assets29/58€794k€937k▲
Amounts receivable after more than one year29€180k€130k▼
Other amounts receivable291€180k€130k▼
Stocks and contracts in progress3€174k€94k▼
Contracts in progress37€174k€94k▼
Amounts receivable within one year40/41€187k€371k▲
Trade receivables40€186k€317k▲
Other amounts receivable41€1k€54k▲
Cash at bank and in hand54/58€2k€7k▲
Deferred charges and accrued income490/1€251k€336k▲
Equity and liabilities
Total equity and liabilities10/49€895k€1.10M▲
Equity10/15€160k€130k▼
Contributions10/11€44k€44k=
Reserves13€116k€86k▼
Distributable reserves133€116k€86k▼
Amounts payable17/49€735k€970k▲
Amounts payable after more than one year17-€2k
Financial debts170/4-€2k
Amounts payable within one year42/48€382k€499k▲
Current portion of amounts payable after more than one year42€19k€55k▲
Financial debts43€100k€100k=
Credit institutions430/8€100k€100k=
Trade debts44€203k€235k▲
Suppliers440/4€203k€235k▲
Taxes, remuneration and social security45€60k€109k▲
Taxes450/3€43k€104k▲
Remuneration and social security454/9€17k€5k▼
Accrued charges and deferred income492/3€353k€470k▲
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€236k€300k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€45k▲
Other operating charges640/8€64k€2k▼
Gross operating margin9900€380k€362k▼
Operating profit (loss)9901€54k€15k▼
Financial income75/76B€322€614▲
Recurring financial income75€322€614▲
Financial charges65/66B€22k€30k▲
Recurring financial charges65€22k€30k▲
Profit (loss) for the period before taxes9903€32k€-14k▼
Income taxes67/77€23k€17k▼
Profit (loss) for the period9904€9k€-31k▼
Profit (loss) for the period to be appropriated9905€9k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-31k▼
Transfer from equity791/2-€31k
Transfer to equity691/2€9k-
To other reserves6921€9k-
Social balance
Average headcount (FTE)90875.04.7▼
The notes to these accounts (12 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €-31k ▼433%
Net result drops to €-31k, the lowest in the series.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €150kEq €151k ▲15.3%
6 profitable years in a row build equity to €151k.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €44k ▲574%
Operating result €74k, net result €44k, both a record.
30-09
Financial
Liquidity doublescurrent ratio 2.56
Current ratio from 1.17 to 2.56; short-term debt falls from €415k to €225k.
30-09
Financial
Equity above €100kEq €131k ▲51.2%
5 profitable years in a row build equity to €131k.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 184 days late
25-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 421 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Turnhout · 1 establishment unit since 1998
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.
Otterstraat 1992300 TurnhoutGround area
177 m²
Building footprint
176 m²
Volume, LiDAR
964 m³
Parcel 13040C0853/00R002, Flanders · tallest building 9.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Otterstraat 199, 2300 Turnhout
since 19982.088.516.304
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13040C0853/00R002 | Flanders | 177 m² | 1 · 176 m² | 9.5 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 3,735 EUR awarded · 3,735 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,108 EUR | 1,108 EUR |
| 2024 | 2 | 1,961 EUR | 1,961 EUR |
| 2023 | 1 | 0 EUR | 227 EUR |
| 2022 | 1 | 666 EUR | 439 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,851 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-1998
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71340
74142
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.