FS-advies
ActiveSummary
FS-advies has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €52k. Its solvency ranks better than 79% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency100
Growth-
Track record79
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.24; short-term debt: 18% and cash: 20.4% of total assets), and 18% 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+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 →
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
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
82%
Return on assets
34%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
21 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€126k
Total assets
€153k
Net result
€52k
Working capital
€117k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €153k
Fixed assets
€9k
Current assets
€144k
Equity and liabilities €153k
Equity
€126k
Debt
€28k
Debt finances 18.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€79k
Cash flow
€55k
Current ratio
5.24
Debt to equity
0.22
ROE
41.5%
ROA
34.0%
Interest coverage
31.80
Debt ≤ 1 year
€28k
Income taxes
€21k
Filed annual accounts As filed with the NBB · 2025 · 41 lines
Balance sheet
Code2025
Assets
Total assets20/58€153k
Fixed assets21/28€9k
Tangible fixed assets22/27€9k
Land and buildings22€3k
Furniture and vehicles24€6k
Current assets29/58€144k
Amounts receivable within one year40/41€20k
Trade receivables40€20k
Current investments50/53€86k
Cash at bank and in hand54/58€31k
Deferred charges and accrued income490/1€7k
Equity and liabilities
Total equity and liabilities10/49€153k
Equity10/15€126k
Contributions10/11€5k
Reserves13€121k
Distributable reserves133€121k
Amounts payable17/49€28k
Amounts payable within one year42/48€28k
Financial debts43€639
Credit institutions430/8€53
Other loans439€586
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€15k
Taxes450/3€15k
Other amounts payable47/48€9k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k
Other operating charges640/8€2k
Gross operating margin9900€80k
Operating profit (loss)9901€75k
Financial income75/76B€540
Recurring financial income75€540
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€73k
Income taxes67/77€21k
Profit (loss) for the period9904€52k
Profit (loss) for the period to be appropriated9905€52k
Appropriation of the result
Profit (loss) to be appropriated9906€52k
Transfer to equity691/2€52k
To other reserves6921€52k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Pelt · 1 establishment unit since 2021
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.
Sparrenlaan 63910 PeltGround area
877 m²
Building footprint
175 m²
Volume, LiDAR
929 m³
Parcel 72362C0910/00X000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finance & Succession
since 20212.318.728.184
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72362C0910/00X000 | Flanders | 877 m² | 1 · 175 m² | 8.5 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 240 EUR awarded · 285 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 195 EUR | 195 EUR |
| 2023 | 1 | 0 EUR | 45 EUR |
| 2022 | 1 | 45 EUR | 45 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
6488TH46W97MFV79G130
Similar companies · same sector, comparable size
ADT ICT Services
BE 0741.732.472
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PJB-Consulting
BE 0668.670.092
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Geo Lima
BE 0757.981.358
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Benjamin Elen
BE 0790.375.497
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CVK INVEST
BE 0807.590.425
Aartselaar · Eq €125,553
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,843 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
Founded10-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.