PRISMADVICE
ActivePRISMADVICE has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €-11k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-77
Solvency100▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.26 against 2.75 in 2024; short-term debt: 21.7% and cash: 28.4% of total assets), and 21.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.3%
Return on assets
-23.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filingsDeviation from the deadline
2025
24 d late
2024
28 d late
2023
23 d early
2022
38 d early
2021
153 d early
2020
22 d early
2019
22 d early
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€35k▼ 23.4%
2024 · €46k
2018: €10k
2019: €2k
2020: €23k
2021: €50k
2022: €55k
2023: €42k
2024: €46k
2018 → 2025
Total assets
€45k▼ 27.9%
2024 · €63k
2018: €58k
2019: €51k
2020: €64k
2021: €103k
2022: €76k
2023: €108k
2024: €63k
2018 → 2025
Net result
€-11k
2024 · €4k
2018: €379
2019: €-8k
2020: €21k
2021: €52k
2022: €5k
2023: €27k
2024: €4k
2018 → 2025
Working capital
€22k▼ 23.4%
2024 · €29k
2018: €-7k
2019: €-10k
2020: €1k
2021: €32k
2022: €35k
2023: €25k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€55k▲ 9.3%€42k▼ 23.6%€46k▲ 9.9%€35k▼ 23.4%
Operating result€67k-€7k▼ 88.9%€43k▲ 476%€4k▼ 91.3%€-13k
Net result€52k-€5k▼ 91.1%€27k▲ 478%€4k▼ 84.6%€-11k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€13k▼ 23.4%
Current assets
€32k▼ 29.7%
Equity and liabilities €45k
Equity
€35k▼ 23.4%
Debt
€10k▼ 40.7%
The debt ratio falls from 26.4% to 21.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €11k
Cash flow
€-5k▼
2024 · €12k
Solvency
78.3%▲
2024 · 73.6%
Current ratio
3.26▲
2024 · 2.75
Quick ratio
3.26▲
2024 · 2.75
Debt / equity
0.28▼
2024 · 0.36
ROE
-30.5%▼
2024 · 9.0%
ROA
-23.9%▼
2024 · 6.6%
Interest coverage
-60.37▼
2024 · 68.28
Debt
€10k▼
2024 · €17k
Debt ≤ 1 year
€10k▼
2024 · €17k
Income taxes
€-1k▼
2024 · €983
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€63k€45k▼
Fixed assets21/28€17k€13k▼
Tangible fixed assets22/27€17k€13k▼
Furniture and vehicles24€5k€1k▼
Other tangible fixed assets26€12k€12k▼
Current assets29/58€46k€32k▼
Amounts receivable within one year40/41€26k€19k▼
Trade receivables40€13k€7k▼
Other amounts receivable41€13k€12k▼
Cash at bank and in hand54/58€17k€13k▼
Deferred charges and accrued income490/1€2k€494▼
Equity and liabilities
Total equity and liabilities10/49€63k€45k▼
Equity10/15€46k€35k▼
Contributions10/11€6k€6k=
Reserves13€26k€26k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€14k€3k▼
Amounts payable17/49€17k€10k▼
Amounts payable within one year42/48€17k€10k▼
Trade debts44€14k€7k▼
Suppliers440/4€14k€7k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Income statement
Code20242025
Non-recurring operating income76A-€14k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Other operating charges640/8€832€186▼
Gross operating margin9900€12k€-7k▼
Operating profit (loss)9901€4k€-13k▼
Financial income75/76B€2k€458▼
Recurring financial income75€2k€458▼
Financial charges65/66B€166€115▼
Recurring financial charges65€166€115▼
Profit (loss) for the period before taxes9903€5k€-12k▼
Income taxes67/77€983€-1k▼
Profit (loss) for the period9904€4k€-11k▼
Profit (loss) for the period to be appropriated9905€4k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€3k▼
Profit (loss) brought forward from the previous period14P€10k€14k▲
The notes to these accounts (10 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet €-11k ▼360%
Net result drops to €-11k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €52k ▲147%
Operating result €67k, net result €52k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
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, Wezembeek-Oppem · 1 establishment unit since 2017
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.
Hertogweg 281970 Wezembeek-OppemGround area
1,143 m²
Building footprint
177 m²
Volume, LiDAR
970 m³
Parcel 22302C0109/00Z002, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRISMADVICE
since 20172.260.360.217
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22302C0109/00Z002 | Flanders | 1,143 m² | 1 · 177 m² | 8.6 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
Lmbe
BE 0688.811.450
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Antelis Invest
BE 0795.851.247
Sint-Agatha-Berchem · Eq €35k
HMMJ
BE 0771.619.756
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VERSAYE SRL
BE 0740.465.435
Oudergem · Eq €35k
Jermet
BE 0759.437.249
Herent · Eq €35k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 35,747 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
41001General construction of residential buildings
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43990Other specialised construction activities
43995Specialised construction activities
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.