B&D Advice
ActiveSummary
B&D Advice has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178k and a net result of €-792. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 70% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▲+5
Solvency98▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.63 against 4.03 in 2024; short-term debt: 18.5% and cash: 32.5% of total assets), and 27.1% 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 71
Relative position
BE, all sectors
reference
Sector 71
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 · 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
72.9%
Return on assets
-0.3%
Age of the figures
15 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
19202122232425
2019 to 2025 · latest year €-792
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
4 d late
2023
2 d early
2022
on the day
2021
on the day
2020
2 d early
2019
2 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€178k▼ 0.4%
2024 · €178k
2019: €94k
2020: €124k
2021: €167k
2022: €205k
2023: €235k
2024: €178k
2019 → 2025
Total assets
€243k▼ 11.9%
2024 · €276k
2019: €354k
2020: €367k
2021: €368k
2022: €366k
2023: €390k
2024: €276k
2019 → 2025
Net result
€-792▲ 98.6%
2024 · €-57k
2019: €4k
2020: €31k
2021: €43k
2022: €38k
2023: €30k
2024: €-57k
2019 → 2025
Working capital
€118k▼ 8.2%
2024 · €129k
2019: €49k
2020: €53k
2021: €91k
2022: €118k
2023: €129k
2024: €129k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€167k-€205k▲ 22.7%€235k▲ 14.7%€178k▼ 24.3%€178k▼ 0.4%
Operating result€64k-€66k▲ 3.0%€48k▼ 27.1%€25k▼ 46.9%€3k▼ 89.2%
Net result€43k-€38k▼ 12.4%€30k▼ 20.4%€-57k€-792▲ 98.6%
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 fallen three years in a row; 2025 is 89% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €243k
Fixed assets
€80k ▼ 23.6%
Current assets
€163k ▼ 4.7%
Equity and liabilities €243k
Equity
€178k ▼ 0.4%
Debt
€66k ▼ 32.7%
Debt's share of the balance-sheet total falls from 35.4% to 27.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€32k▼
2024 · €54k
Cash flow
€28k▲
2024 · €-29k
Current ratio
3.63▼
2024 · 4.03
Debt to equity
0.37▼
2024 · 0.55
ROE
-0.4%▲
2024 · -32.0%
ROA
-0.3%▲
2024 · -20.7%
Interest coverage
4.46▼
2024 · 7.07
Debt ≤ 1 year
€45k▲
2024 · €43k
Debt > 1 year
€21k▼
2024 · €55k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€276k€243k▼
Fixed assets21/28€105k€80k▼
Tangible fixed assets22/27€105k€80k▼
Land and buildings22€85k€61k▼
Plant, machinery and equipment23€12k€10k▼
Furniture and vehicles24€8k€9k▲
Current assets29/58€171k€163k▼
Amounts receivable within one year40/41€95k€84k▼
Trade receivables40€22k€2k▼
Other amounts receivable41€73k€82k▲
Cash at bank and in hand54/58€73k€79k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€276k€243k▼
Equity10/15€178k€178k▼
Contributions10/11€75k€75k=
Reserves13€160k€160k=
Non-distributable reserves130/1€8k-
Reserves not available under the articles1311€8k-
Distributable reserves133€153k€160k▲
Profit (loss) carried forward14€-57k€-58k▼
Amounts payable17/49€98k€66k▼
Amounts payable after more than one year17€55k€21k▼
Financial debts170/4€55k€21k▼
Amounts payable within one year42/48€43k€45k▲
Current portion of amounts payable after more than one year42€37k€39k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€29k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€56k€34k▼
Operating profit (loss)9901€25k€3k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€82k€7k▼
Recurring financial charges65€8k€7k▼
Non-recurring financial charges66B€74k-
Profit (loss) for the period before taxes9903€-53k€-792▲
Income taxes67/77€4k-
Profit (loss) for the period9904€-57k€-792▲
Profit (loss) for the period to be appropriated9905€-57k€-792▲
Appropriation of the result
Profit (loss) to be appropriated9906€-57k€-58k▼
Profit (loss) brought forward from the previous period14P-€-57k
The notes to these accounts (8 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Weakest financial yearnet €-57k ▼289%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €200kEq €205k ▲22.7%
4 profitable years in a row build equity to €205k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €43k ▲41.8%
Net result €43k, the highest in the series.
30-06
Financial
Equity above €150kEq €167k ▲34.9%
3 profitable years in a row build equity to €167k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100kEq €124k ▲32.6%
2 profitable years in a row build equity to €124k.
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
10-01
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.
Directors · office · real estate
Directors
4 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, Oudsbergen · 1 establishment unit since 2002
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.
Venstraat 53670 OudsbergenGround area
3,723 m²
Building footprint
310 m²
Volume, LiDAR
2,004 m³
Parcel 72036A0153/00Z002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B&D Advice
since 20022.101.570.227
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72036A0153/00Z002 | Flanders | 3,723 m² | 1 · 310 m² | 10.3 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.
Similar companies · same sector, comparable size
BETONexpertise
BE 0798.398.981
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Benelux Power Quality Partner
BE 0837.842.844
Waregem · Eq €177,488
C-VIESTA
BE 1001.353.368
Seneffe · Eq €177,443
MSBpartner
BE 0790.662.836
Sint-Agatha-Berchem · Eq €177,365
PERFECTEAM
BE 0440.797.692
Charleroi · Eq €177,320
Of 11,550 companies in sector 71121 we hold annual accounts for 6,563. 5,200 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 formPublic limited company
Founded26-10-2001
Fiscal year end30-06
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
46130Agents in the wholesale of timber and building materials
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.