van der Leun Advice
ActiveSummary
van der Leun Advice has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €449k and a net result of €126k. Equity is growing by ~43.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+10
Solvency87▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 1.82 in 2024; short-term debt: 27.4% and cash: 10.2% of total assets), and 38.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
61.6%
Return on assets
17.3%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
7 d early
2024
6 d early
2023
1 d late
2022
29 d late
2021
30 d late
2020
12 d late
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€191k
EBIT margin
24.0%
Net result
€126k▲ 45.5%
2024 · €87k
2019: €28k
2020: €46k
2021: €44k
2022: €53k
2023: €64k
2024: €87k
2019 → 2025
Working capital
€276k▲ 77.4%
2024 · €155k
2019: €15k
2020: €17k
2021: €45k
2022: €67k
2023: €97k
2024: €155k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€172k▲ 44.1%€236k▲ 37.0%€323k▲ 36.7%€449k▲ 39.1%
Operating result€100k-€119k▲ 18.3%€148k▲ 25.1%€188k▲ 26.5%€247k▲ 31.8%
Net result€44k-€53k▲ 19.4%€64k▲ 20.7%€87k▲ 36.0%€126k▲ 45.5%
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 has risen four years in a row; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €729k
Fixed assets
€253k ▼ 2.4%
Current assets
€476k ▲ 37.6%
Equity and liabilities €729k
Equity
€449k ▲ 39.1%
Debt
€280k ▼ 0.9%
Debt's share of the balance-sheet total falls from 46.7% to 38.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€254k▲
2024 · €195k
Cash flow
€133k▲
2024 · €94k
Current ratio
2.38▲
2024 · 1.82
Quick ratio
1.18▼
2024 · 1.82
Debt to equity
0.62▼
2024 · 0.88
ROE
28.1%▲
2024 · 26.9%
ROA
17.3%▲
2024 · 14.3%
Interest coverage
4.15▲
2024 · 3.45
Debt ≤ 1 year
€200k▲
2024 · €190k
Debt > 1 year
€80k▼
2024 · €92k
Income taxes
€62k▲
2024 · €43k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€606k€729k▲
Fixed assets21/28€260k€253k▼
Tangible fixed assets22/27€111k€104k▼
Land and buildings22€101k€97k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€7k€6k▼
Financial fixed assets28€149k€149k=
Current assets29/58€346k€476k▲
Stocks and contracts in progress3-€240k
Stocks30/36-€240k
Amounts receivable within one year40/41€92k€98k▲
Trade receivables40€90k€98k▲
Other amounts receivable41€2k-
Current investments50/53€175k€64k▼
Cash at bank and in hand54/58€79k€74k▼
Equity and liabilities
Total equity and liabilities10/49€606k€729k▲
Equity10/15€323k€449k▲
Contributions10/11€550€550=
Reserves13€322k€448k▲
Non-distributable reserves130/1€453€453=
Reserves not available under the articles1311€453€453=
Distributable reserves133€322k€448k▲
Amounts payable17/49€283k€280k▼
Amounts payable after more than one year17€92k€80k▼
Financial debts170/4€92k€80k▼
Amounts payable within one year42/48€190k€200k▲
Current portion of amounts payable after more than one year42€27k€12k▼
Trade debts44€30k€28k▼
Suppliers440/4€30k€28k▼
Advances received on contracts in progress46€3k€3k=
Taxes, remuneration and social security45€25k€45k▲
Taxes450/3€25k€45k▲
Other amounts payable47/48€106k€113k▲
Income statement
Code20242025
Non-recurring operating income76A€11k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€576€1k▲
Gross operating margin9900€195k€256k▲
Operating profit (loss)9901€188k€247k▲
Financial income75/76B€198€2k▲
Recurring financial income75€198€2k▲
Financial charges65/66B€58k€61k▲
Recurring financial charges65€56k€61k▲
Non-recurring financial charges66B€2k-
Profit (loss) for the period before taxes9903€129k€188k▲
Income taxes67/77€43k€62k▲
Profit (loss) for the period9904€87k€126k▲
Profit (loss) for the period to be appropriated9905€87k€126k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€126k▲
Transfer to equity691/2€87k€126k▲
To the legal reserve6920€87k€126k▲
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
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €126k ▲45.5%
Operating result €247k, net result €126k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Equity above €200kEq €236k ▲37%
5 profitable years in a row build equity to €236k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €150kEq €172k ▲44.1%
4 profitable years in a row build equity to €172k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €100kEq €120k ▲58.7%
3 profitable years in a row build equity to €120k.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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 2013
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.
Spoorwegstraat 283560 LummenGround area
1,991 m²
Building footprint
219 m²
Volume, LiDAR
1,339 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Spoorwegstraat 4C, 3560 Lummen
since 20132.221.984.641
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71035B0239/00R002 | Flanders | 1,267 m² | 1 · 117 m² | 9.2 m · 2 fl. |
| 71035B0230/00C000 | Flanders | 724 m² | 1 · 102 m² | 8.5 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 120 EUR awarded · 120 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 120 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500C0NPG3YS5NKF56
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INTERCONSULT
BE 0417.576.882
Ukkel · Eq €448,798
ANNICK VANBYLEN
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DEBOFISK
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,624 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2012
Fiscal year end31-12
Abbreviation NL
VDL Advice
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.