M.I. ADVICE
ActiveSummary
M.I. ADVICE has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €468k and a net result of €87k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (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 · tick = 2024
Profitability90▲+14
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 8.66 against 6.07 in 2024; short-term debt: 6.6% and cash: 12.8% of total assets), and 6.6% 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○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 →
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
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
93.4%
Return on assets
17.3%
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 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
133 d early
2024
141 d early
2023
135 d early
2022
123 d early
2021
59 d early
2020
52 d early
2019
53 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
Equity
€468k▲ 7.3%
2024 · €436k
2018: €272k
2019: €294k
2020: €326k
2021: €387k
2022: €421k
2023: €530k
2024: €436k
2018 → 2025
Total assets
€501k▲ 2.1%
2024 · €491k
2018: €415k
2019: €408k
2020: €431k
2021: €469k
2022: €498k
2023: €617k
2024: €491k
2018 → 2025
Net result
€87k▲ 218%
2024 · €27k
2018: €38k
2019: €21k
2020: €34k
2021: €62k
2022: €45k
2023: €148k
2024: €27k
2018 → 2025
Working capital
€255k▲ 12.4%
2024 · €227k
2018: €-59k
2019: €-41k
2020: €-14k
2021: €41k
2022: €70k
2023: €325k
2024: €227k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€387k-€421k▲ 8.8%€530k▲ 25.9%€436k▼ 17.7%€468k▲ 7.3%
Operating result€89k-€67k▼ 24.4%€219k▲ 226%€34k▼ 84.4%€33k▼ 4.3%
Net result€62k-€45k▼ 28.1%€148k▲ 229%€27k▼ 81.5%€87k▲ 218%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €501k
Fixed assets
€213k ▼ 2.9%
Current assets
€288k ▲ 6.2%
Equity and liabilities €501k
Equity
€468k ▲ 7.3%
Debt
€33k ▼ 39.2%
Debt's share of the balance-sheet total falls from 11.2% to 6.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €41k
Cash flow
€93k▲
2024 · €34k
Current ratio
8.66▲
2024 · 6.07
Debt to equity
0.07▼
2024 · 0.13
ROE
18.6%▲
2024 · 6.3%
ROA
17.3%▲
2024 · 5.6%
Interest coverage
25.17▲
2024 · 20.47
Debt ≤ 1 year
€33k▼
2024 · €45k
Income taxes
€44k▲
2024 · €16k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€491k€501k▲
Fixed assets21/28€219k€213k▼
Tangible fixed assets22/27€219k€213k▼
Land and buildings22€217k€212k▼
Plant, machinery and equipment23€2k€942▼
Furniture and vehicles24€293€135▼
Current assets29/58€272k€288k▲
Amounts receivable after more than one year29€120k€140k▲
Other amounts receivable291€120k€140k▲
Amounts receivable within one year40/41€64k€5k▼
Trade receivables40-€5k
Other amounts receivable41€64k€184▼
Current investments50/53€51k€77k▲
Cash at bank and in hand54/58€36k€64k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€491k€501k▲
Equity10/15€436k€468k▲
Contributions10/11€12k€12k=
Revaluation surpluses12€99k€99k=
Reserves13€325k€357k▲
Distributable reserves133€325k€357k▲
Amounts payable17/49€55k€33k▼
Amounts payable after more than one year17€10k-
Financial debts170/4€10k-
Amounts payable within one year42/48€45k€33k▼
Current portion of amounts payable after more than one year42€10k€10k=
Trade debts44€618€3k▲
Suppliers440/4€618€3k▲
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€14k€11k▼
Other amounts payable47/48€20k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€6k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€43k€41k▼
Operating profit (loss)9901€34k€33k▼
Financial income75/76B€11k€100k▲
Recurring financial income75€11k€100k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€43k€131k▲
Income taxes67/77€16k€44k▲
Profit (loss) for the period9904€27k€87k▲
Profit (loss) for the period to be appropriated9905€27k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€87k▲
Transfer from equity791/2€121k€55k▼
Transfer to equity691/2€27k€87k▲
To other reserves6921€27k€87k▲
Profit to be distributed694/7€121k€55k▼
Return on contributions (dividend)694€121k€55k▼
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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €148k ▲229%
Operating result €219k, net result €148k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.82
Current ratio from 2.49 to 5.82.
31-12
Financial
Equity above €500kEq €530k ▲25.9%
6 profitable years in a row build equity to €530k.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 1.98
Current ratio from 0.75 to 1.98; short-term debt falls from €55k to €42k.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €21k ▼44.6%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
Show earlier events
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Lubbeek · 1 establishment unit since 2000
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.
Houwaartstraat(LIN) 103210 LubbeekGround area
1,205 m²
Building footprint
161 m²
Volume, LiDAR
929 m³
Parcel 24063B0245/00L000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Houwaartstraat(LIN) 10, 3210 Lubbeek
since 20002.099.425.834
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063B0245/00L000 | Flanders | 1,205 m² | 1 · 161 m² | 9.6 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
CEWE CONSULT
BE 0743.510.740
Gent · Eq €467,642
OSTEOMED CONCERN
BE 0820.299.306
Pajottegem · Eq €467,653
EVECOS
BE 0771.755.754
Herk-de-Stad · Eq €467,622
Pia Cox
BE 0784.289.144
Ronse · Eq €467,660
VDL BOARD SOLUTIONS
BE 0872.716.819
Essen · Eq €467,604
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 35,184 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
Founded21-01-2000
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.