FISCADVICE
ActiveFISCADVICE has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €115k and a net result of €47k. Equity is growing by ~65% per year across the filed fiscal years. Its solvency ranks better than 18% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
73
/ 100
Healthy▼ -8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency54▲+12
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 1.95 in 2023), but 77.5% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 18% of 15368 sector peers (2024).
NBB · sector comparisonPosition among 15368 sector peers
Solvency
better than 18%
← weakest
strongest →
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 17-06-2025, 44 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
47 d early
2022
5 d late
2021
11 d early
2020
60 d early
2019
61 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€115k▲ 66.5%
2023 · €69k
2018: €9k
2019: €8k
2020: €15k
2021: €24k
2022: €20k
2023: €69k
2018 → 2024
Total assets
€512k▲ 10.7%
2023 · €462k
2018: €21k
2019: €26k
2020: €32k
2021: €446k
2022: €426k
2023: €462k
2018 → 2024
Net result
€47k▼ 4.1%
2023 · €49k
2018: €7k
2019: €-323
2020: €7k
2021: €-1k
2022: €-3k
2023: €49k
2018 → 2024
Working capital
€57k▲ 63.3%
2023 · €35k
2018: €9k
2019: €8k
2020: €23k
2021: €6k
2022: €13k
2023: €35k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€15k-€24k▲ 54.6%€20k▼ 14.7%€69k▲ 241%€115k▲ 66.5%
Operating result€11k-€4k▼ 61.7%€5k▲ 4.8%€76k▲ 1,579%€77k▲ 1.4%
Net result€7k-€-1k€-3k▼ 135%€49k€47k▼ 4.1%
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 1% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €512k
Fixed assets
€416k▲ 6.5%
Current assets
€96k▲ 33.7%
Equity and liabilities €512k
Equity
€115k▲ 66.5%
Debt
€397k▲ 0.9%
The debt ratio falls from 85.0% to 77.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€90k▼
2023 · €96k
Cash flow
€60k▼
2023 · €69k
Solvency
22.5%▲
2023 · 15.0%
Current ratio
2.47▲
2023 · 1.95
Quick ratio
2.47▲
2023 · 1.95
Debt / equity
3.45▼
2023 · 5.69
ROE
40.7%▼
2023 · 70.6%
ROA
9.1%▼
2023 · 10.6%
Interest coverage
5.08▼
2023 · 14.08
Debt
€397k▲
2023 · €393k
Debt ≤ 1 year
€39k▲
2023 · €37k
Debt > 1 year
€358k▲
2023 · €356k
Income taxes
€13k▼
2023 · €20k
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€462k€512k▲
Fixed assets21/28€391k€416k▲
Tangible fixed assets22/27€391k€416k▲
Land and buildings22€391k€416k▲
Current assets29/58€72k€96k▲
Amounts receivable within one year40/41€5k€9k▲
Trade receivables40€5k€2k▼
Other amounts receivable41€127€7k▲
Current investments50/53€4-
Cash at bank and in hand54/58€38k€63k▲
Deferred charges and accrued income490/1€29k€24k▼
Equity and liabilities
Total equity and liabilities10/49€462k€512k▲
Equity10/15€69k€115k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€51k€97k▲
Amounts payable17/49€393k€397k▲
Amounts payable after more than one year17€356k€358k▲
Financial debts170/4€355k€358k▲
Other amounts payable178/9€1k-
Amounts payable within one year42/48€37k€39k▲
Current portion of amounts payable after more than one year42€23k€27k▲
Financial debts43-€99
Credit institutions430/8-€99
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€10k€7k▼
Other amounts payable47/48-€859
Accrued charges and deferred income492/3€422€398▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€13k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€97k€92k▼
Operating profit (loss)9901€76k€77k▲
Financial income75/76B€13€616▲
Recurring financial income75€13€616▲
Financial charges65/66B€7k€18k▲
Recurring financial charges65€7k€18k▲
Profit (loss) for the period before taxes9903€69k€60k▼
Income taxes67/77€20k€13k▼
Profit (loss) for the period9904€49k€47k▼
Profit (loss) for the period to be appropriated9905€49k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€97k▲
Profit (loss) brought forward from the previous period14P€2k€51k▲
Profit to be distributed694/7-€859
Return on contributions (dividend)694-€859
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
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €115k ▲66.5%
2 profitable years in a row build equity to €115k.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €49k
Net result €49k after 2 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 5 days late
2022
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.71
Current ratio from 1.47 to 3.71; short-term debt falls from €18k to €9k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Nivelles · 1 establishment unit since 2018
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.
Rue de l'Inradji 71400 NivellesGround area
228 m²
Building footprint
51 m²
Volume, LiDAR
439 m³
Parcel 25072B0107/00N007, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l'Inradji 7, 1400 Nivelles
since 20182.277.198.526
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25072B0107/00N007 | Wallonia | 228 m² | 1 · 50 m² | 9.3 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900192EDJOC4E7I91
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CUMULIS
BE 0461.745.239
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Downstream
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iQeros
BE 0821.489.436
Dinant · Eq €115k
C-Booxx
BE 0430.203.017
Knokke-Heist · Eq €115k
Sio
BE 0676.671.109
Heist-op-den-Berg · Eq €115k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 6,485 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2018
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.