De Molse Geldadviseurs
ActiveSummary
De Molse Geldadviseurs has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €241k and a net result of €28k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 2024 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+1
Solvency95▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 4.92 against 4.73 in 2023; short-term debt: 14.6% and cash: 29.9% of total assets), and 30.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← 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
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 22-06-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
39 d early
2023
55 d early
2022
39 d early
2021
24 d late
2020
19 d late
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€241k▲ 13.2%
2023 · €213k
2018: €67k
2019: €90k
2020: €90k
2021: €138k
2022: €190k
2023: €213k
2018 → 2024
Total assets
€345k▲ 12.5%
2023 · €307k
2018: €219k
2019: €248k
2020: €213k
2021: €255k
2022: €347k
2023: €307k
2018 → 2024
Net result
€28k▲ 21.5%
2023 · €23k
2018: €40k
2019: €103k
2020: €112k
2021: €86k
2022: €152k
2023: €23k
2018 → 2024
Working capital
€198k▼ 12.4%
2023 · €226k
2018: €-4k
2019: €30k
2020: €24k
2021: €89k
2022: €163k
2023: €226k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€90k-€138k▲ 53.6%€190k▲ 37.4%€213k▲ 12.2%€241k▲ 13.2%
Operating result€157k-€131k▼ 16.6%€-182k€45k€41k▼ 8.5%
Net result€112k-€86k▼ 23.4%€152k▲ 76.9%€23k▼ 84.7%€28k▲ 21.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 8% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €345k
Fixed assets
€97k ▲ 370%
Current assets
€248k ▼ 13.3%
Equity and liabilities €345k
Equity
€241k ▲ 13.2%
Debt
€104k ▲ 10.9%
Debt's share of the balance-sheet total falls from 30.6% to 30.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€55k▼
2023 · €64k
Cash flow
€43k▲
2023 · €42k
Current ratio
4.92▲
2023 · 4.73
Debt to equity
0.43▼
2023 · 0.44
ROE
11.7%▲
2023 · 10.9%
ROA
8.2%▲
2023 · 7.6%
Interest coverage
13.02▼
2023 · 21.10
Debt ≤ 1 year
€50k▼
2023 · €61k
Debt > 1 year
€54k▲
2023 · €3k
Income taxes
€11k▼
2023 · €23k
Staff costs
€154k▲
2023 · €113k
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 · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€307k€345k▲
Fixed assets21/28€21k€97k▲
Intangible fixed assets21€2k€62k▲
Tangible fixed assets22/27€18k€35k▲
Land and buildings22€11k€7k▼
Plant, machinery and equipment23€8k€3k▼
Furniture and vehicles24-€25k
Current assets29/58€286k€248k▼
Amounts receivable within one year40/41€186k€140k▼
Trade receivables40€1k€3k▲
Other amounts receivable41€185k€137k▼
Cash at bank and in hand54/58€36k€103k▲
Deferred charges and accrued income490/1€64k€5k▼
Equity and liabilities
Total equity and liabilities10/49€307k€345k▲
Equity10/15€213k€241k▲
Contributions10/11€6k€8k▲
Outside capital11€6k€8k▲
Share premium1100/10-€6k
Other1109/19€6k€2k▼
Reserves13€207k€233k▲
Non-distributable reserves130/1€207k€233k▲
Reserves not available under the articles1311€207k€233k▲
Amounts payable17/49€94k€104k▲
Amounts payable after more than one year17€3k€54k▲
Financial debts170/4€3k€54k▲
Amounts payable within one year42/48€61k€50k▼
Current portion of amounts payable after more than one year42€26k€19k▼
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Taxes, remuneration and social security45€27k€21k▼
Taxes450/3€7k€3k▼
Remuneration and social security454/9€20k€18k▼
Other amounts payable47/48€55€131▲
Accrued charges and deferred income492/3€30k-
Income statement
Code20232024
Remuneration, social security and pensions62€113k€154k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€15k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€5k€5k▼
Other operating charges640/8€1k€3k▲
Non-recurring operating charges66A-€396
Gross operating margin9900€184k€218k▲
Operating profit (loss)9901€45k€41k▼
Financial income75/76B€4k€2k▼
Recurring financial income75€4k€2k▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€46k€39k▼
Income taxes67/77€23k€11k▼
Profit (loss) for the period9904€23k€28k▲
Profit (loss) for the period to be appropriated9905€23k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€28k▲
Transfer to equity691/2€23k€28k▲
To other reserves6921€23k€28k▲
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
22-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €23k ▼84.7%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 4.73
Current ratio from 2.09 to 4.73; short-term debt falls from €149k to €61k.
31-12
Financial
Equity above €200kEq €213k ▲12.2%
6 profitable years in a row build equity to €213k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €152k ▲76.9%
Net result €152k, the highest in the series.
31-12
Financial
Equity above €150kEq €190k ▲37.4%
5 profitable years in a row build equity to €190k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €100kEq €138k ▲53.6%
4 profitable years in a row build equity to €138k.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Mol · 2 establishment units since 2009
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.
Rondplein 122400 MolGround area
1,001 m²
Building footprint
983 m²
Volume, LiDAR
9,076 m³
2 parcels, Flanders · tallest building 16.8 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
De Molse Geldadviseurs
since 20092.182.720.328
De Molse Geldadviseurs
since 20252.380.093.057
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13434F0698/00C005 | Flanders | 782 m² | 1 · 787 m² | 14.9 m · 3 fl. |
| 13434F0698/00G004 | Flanders | 218 m² | 1 · 195 m² | 16.8 m · 5 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
2022 to 2024 · 3 entries · 1,217 EUR awarded · 1,217 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 153 EUR | 528 EUR |
| 2023 | 1 | 648 EUR | 273 EUR |
| 2022 | 1 | 416 EUR | 416 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 881 companies in sector 77229 we hold annual accounts for 319. 242 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
Founded29-10-2009
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
77229Renting and leasing of other personal and household goods
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:014316407