Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of MT Advice is 1.0% (low). The 2025 annual accounts show equity of €16k and a net result of €-6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 74% of 1081 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Signals
1 signal · with evidencePersistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.0%
Low
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-6k+69.9%
Working capital€10k-24.5%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 07-05-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 82 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 76.5% | 51.1% | |
| Net result | €-6k | €24k | |
| Equity | €16k | €51k | |
| Gross operating margin | €-2k | €45k | |
| Staff costs | €250 | €16k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P74
Stable position over 2021-2025
· n=899-3174
P9
Weakening position over 2021-2025
· n=896-3173
P29
Weakening position over 2021-2025
· n=902-3176
P7
Weakening position over 2021-2025
· n=892-3173
Describes the position versus peers, not a forecast.
€-3k
+84.2%
far below sector median
€-6k
+69.9%
+24% vs sector
€-3k
+80.6%
+93% vs sector
€21k
-28.8%
-85% vs sector
€16k
-25.1%
-81% vs sector
€10k
-24.5%
-87% vs sector
€250
-50.0%
-100% vs sector
€141
+10.1%
-90% vs sector
€5k
-38.8%
-94% vs sector
€5k
-38.8%
-91% vs sector
3.06
+14.7%
+129% vs sector
3.06
+14.7%
+156% vs sector
76.5%
+5.3%
+74% vs sector
0.31
-18.4%
-55% vs sector
-33.5%
+59.8%
far below sector median
-25.6%
+57.6%
-274% vs sector
-5.63
+80.6%
far below sector median
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €-3k |
| Net profit | €-6k |
| Cash flow | €-3k |
| Staff costs | €250 |
| Income taxes | €141 |
| Dividends | - |
| Total assets | €21k |
| Equity | €16k |
| Debt | €5k |
| of which ≤ 1y | €5k |
| of which > 1y | - |
| Working capital | €10k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 3.06 |
| Quick ratio | 3.06 |
| Working capital ratio | 48.3% |
| Solvency | 76.5% |
| Debt / equity | 0.31 |
| Long-term debt ratio | - |
| Interest coverage | -5.63 |
| Gross margin | - |
| Net margin | - |
| ROA | -25.6% |
| ROE | -33.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €21k |
| Fixed assets | 21/28 | €6k |
| Tangible fixed assets | 22/27 | €6k |
| Current assets | 29/58 | €15k |
| Amounts receivable within one year | 40/41 | €6k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €21k |
| Equity | 10/15 | €16k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €17k |
| Accumulated profits (losses) | 14 | €-6k |
| Amounts payable | 17/49 | €5k |
| Amounts payable within one year | 42/48 | €5k |
| Trade debts payable within one year | 44 | €279 |
| Income statement | ||
| Gross operating margin | 9900 | €-2k |
| Operating result | 9901 | €-5k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €486 |
| Result before taxes | 9903 | €-5k |
| Income taxes | 67/77 | €141 |
| Net result for the period | 9904 | €-6k |
| Result to be appropriated | 9905 | €-6k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed60
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Connections & network
1 connected companyGroup structure
Subsidiary · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Establishment units
1 locationMT Advice
since 20212.321.373.019
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,584 m²
Buildings1
Building footprint212 m²
Volume (LiDAR)493 m³
Tallest building8.1 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322A0155/05Y002 | Flanders | 1,584 m² | 1 · 212 m² | 8.1 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
No structured acts for this company yet
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.
Analysis
Snowflake analysis
financial profile on 5 axes61
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
60
Profitability
0
Solvency
100
Growth
52
Stability
94
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Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Holdings64200Activiteiten van holdings64210Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100
Primary activity highlighted.
Names & trade names
| Legal nameNL | MT Advice |
Registered office
Paalvennestraat 3
3500 Hasselt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.