Sweet Advice
ActiveSweet Advice has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €148k and a net result of €194k. Equity is growing by ~20% per year across the filed fiscal years. Its solvency ranks better than 31% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
94
/ 100
Excellent▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency66▲+19
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.28 in 2023), but 65.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-05-2025, 77 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
77 d early
2023
34 d early
2022
76 d early
2021
30 d late
2020
30 d early
2019
3 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€148k▲ 97.0%
2023 · €75k
2018: €28k
2019: €33k
2020: €52k
2021: €53k
2022: €53k
2023: €75k
2018 → 2024
Total assets
€426k▲ 51.0%
2023 · €282k
2018: €74k
2019: €249k
2020: €254k
2021: €240k
2022: €254k
2023: €282k
2018 → 2024
Net result
€194k▲ 483%
2023 · €33k
2018: €21k
2019: €5k
2020: €38k
2021: €15k
2022: €22k
2023: €33k
2018 → 2024
Working capital
€90k▲ 379%
2023 · €19k
2018: €-18k
2019: €5k
2020: €28k
2021: €22k
2022: €21k
2023: €19k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€52k-€53k▲ 1.4%€53k=€75k▲ 42.2%€148k▲ 97.0%
Operating result€54k-€21k▼ 61.0%€32k▲ 50.8%€48k▲ 50.6%€270k▲ 464%
Net result€38k-€15k▼ 60.2%€22k▲ 48.3%€33k▲ 49.3%€194k▲ 483%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 464% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €426k
Fixed assets
€168k▼ 14.6%
Current assets
€258k▲ 203%
Equity and liabilities €426k
Equity
€148k▲ 97.0%
Debt
€278k▲ 34.3%
The debt ratio falls from 73.4% to 65.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€307k▲
2023 · €75k
Cash flow
€231k▲
2023 · €60k
Solvency
34.7%▲
2023 · 26.6%
Current ratio
1.54▲
2023 · 1.28
Quick ratio
1.52▲
2023 · 1.22
Debt / equity
1.88▼
2023 · 2.76
ROE
131.0%▲
2023 · 44.3%
ROA
45.5%▲
2023 · 11.8%
Interest coverage
66.83▲
2023 · 20.11
Debt
€278k▲
2023 · €207k
Debt ≤ 1 year
€167k▲
2023 · €66k
Debt > 1 year
€110k▼
2023 · €141k
Income taxes
€75k▲
2023 · €12k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€282k€426k▲
Fixed assets21/28€197k€168k▼
Intangible fixed assets21€14k€10k▼
Tangible fixed assets22/27€183k€158k▼
Land and buildings22€83k€75k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€85k€71k▼
Other tangible fixed assets26€7k€6k▼
Current assets29/58€85k€258k▲
Amounts receivable after more than one year29€25k€25k=
Other amounts receivable291€25k€25k=
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€40k€49k▲
Trade receivables40€37k€39k▲
Other amounts receivable41€2k€10k▲
Current investments50/53-€100k
Cash at bank and in hand54/58€8k€69k▲
Deferred charges and accrued income490/1€9k€11k▲
Equity and liabilities
Total equity and liabilities10/49€282k€426k▲
Equity10/15€75k€148k▲
Contributions10/11€6k€6k=
Reserves13€68k€140k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€66k€139k▲
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€207k€278k▲
Amounts payable after more than one year17€141k€110k▼
Financial debts170/4€141k€110k▼
Amounts payable within one year42/48€66k€167k▲
Current portion of amounts payable after more than one year42€33k€31k▼
Trade debts44€20k€20k▼
Suppliers440/4€20k€20k▼
Taxes, remuneration and social security45€4k€45k▲
Taxes450/3€4k€45k▲
Other amounts payable47/48€8k€72k▲
Accrued charges and deferred income492/3€49€763▲
Income statement
Code20232024
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€37k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€3k€0▼
Gross operating margin9900€79k€309k▲
Operating profit (loss)9901€48k€270k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€46k€269k▲
Income taxes67/77€12k€75k▲
Profit (loss) for the period9904€33k€194k▲
Profit (loss) for the period to be appropriated9905€33k€194k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€195k▲
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer from equity791/2-€20k
Transfer to equity691/2€22k€92k▲
To other reserves6921€22k€92k▲
Profit to be distributed694/7€11k€121k▲
Return on contributions (dividend)694€11k€121k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €194k ▲483%
Operating result €270k, net result €194k, both a record.
31-12
Financial
Equity above €100kEq €148k ▲97%
7 profitable years in a row build equity to €148k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-12
Financial
Weakest financial yearnet €5k ▼76%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 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, Gent · 2 establishment units since 2017
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.
Kareelstraat 139051 GentGround area
855 m²
Building footprint
163 m²
Volume, LiDAR
892 m³
2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Sweet Advice
since 20172.268.021.831
Sweet Advice
since 20182.297.021.465
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062A0142/00E002 | Flanders | 761 m² | 1 · 120 m² | 8.9 m · 2 fl. |
| 44064B0390/00P000 | Flanders | 94 m² | 1 · 42 m² | 7.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Martens-Latem2.297.021.465
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 40,697 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-08-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.