TessAdvies
ActiveTessAdvies has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-29k) and a net result of €-6k. Equity is shrinking by ~37.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 3468 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-62
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 6.23; short-term debt: 6.6% and cash: 2.5% of total assets), but equity is negative.
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
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
-560.9%
Return on assets
-117.8%
Age of the figures
18 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-29k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
27 d early
2023
28 d early
2022
24 d early
2021
31 d early
2020
30 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€-29k▼ 26.6%
2024 · €-23k
2019: €37k
2020: €19k
2021: €-8k
2022: €-38k
2023: €-33k
2024: €-23k
2019 → 2025
Total assets
€5k▼ 83.4%
2024 · €32k
2019: €84k
2020: €237k
2021: €273k
2022: €288k
2023: €188k
2024: €32k
2019 → 2025
Net result
€-6k
2024 · €10k
2019: €19k
2020: €-18k
2021: €-27k
2022: €-30k
2023: €5k
2024: €10k
2019 → 2025
Working capital
€2k▼ 93.4%
2024 · €27k
2019: €37k
2020: €199k
2021: €222k
2022: €192k
2023: €183k
2024: €27k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-8k-€-38k▼ 367%€-33k▲ 12.4%€-23k▲ 30.3%€-29k▼ 26.6%
Operating result€-21k-€-23k▼ 9.2%€6k€35k▲ 465%€-6k
Net result€-27k-€-30k▼ 10.2%€5k€10k▲ 114%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €35k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5k
Fixed assets
€3k▼ 22.5%
Current assets
€2k▼ 92.2%
Key figures and ratios
EBITDA
€-5k▼
2024 · €35k
Cash flow
€-5k▼
2024 · €10k
Solvency
-560.9%▼
2024 · -73.5%
Current ratio
6.23
Quick ratio
6.23
Debt / equity
-1.18▲
2024 · -2.36
ROA
-117.8%▼
2024 · 32.0%
Interest coverage
-37.87▼
2024 · 1.42
Debt
€35k▼
2024 · €55k
Debt ≤ 1 year
€345▲
2024 · €73
Debt > 1 year
€34k▼
2024 · €55k
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€32k€5k▼
Fixed assets21/28€4k€3k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€849€607▼
Plant, machinery and equipment23€849€607▼
Current assets29/58€28k€2k▼
Amounts receivable within one year40/41€2k€947▼
Trade receivables40€690€445▼
Other amounts receivable41€946€502▼
Cash at bank and in hand54/58€24k€130▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€32k€5k▼
Equity10/15€-23k€-29k▼
Contributions10/11€19k€19k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€-58k€-64k▼
Amounts payable17/49€55k€35k▼
Amounts payable after more than one year17€55k€34k▼
Financial debts170/4€55k€34k▼
Amounts payable within one year42/48€73€345▲
Financial debts43€8-
Credit institutions430/8€8-
Trade debts44€66€345▲
Suppliers440/4€66€345▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€371€893▲
Other operating charges640/8€2k€65▼
Gross operating margin9900€37k€-5k▼
Operating profit (loss)9901€35k€-6k▼
Financial charges65/66B€25k€136▼
Recurring financial charges65€25k€136▼
Profit (loss) for the period before taxes9903€10k€-6k▼
Profit (loss) for the period9904€10k€-6k▼
Profit (loss) for the period to be appropriated9905€10k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-59k€-64k▼
Profit (loss) brought forward from the previous period14P€-69k€-58k▲
Transfer from equity791/2€2k-
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
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity times 7current ratio 376.18
Current ratio from 54.03 to 376.18; short-term debt falls from €3k to €73.
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
31-03
Financial
Liquidity times 18current ratio 54.03
Current ratio from 3.01 to 54.03; short-term debt falls from €96k to €3k.
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 6.29
Current ratio from 1.81 to 6.29; short-term debt falls from €46k to €38k.
2019
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Puurs-Sint-Amands · 1 establishment unit since 2016
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.
Emile Verhaerenstraat 112890 Puurs-Sint-AmandsGround area
604 m²
Building footprint
66 m²
Volume, LiDAR
684 m³
Parcel 12034A0013/00G000, Flanders · tallest building 12.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Tess Invest
since 20162.260.856.006
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12034A0013/00G000 | Flanders | 604 m² | 1 · 66 m² | 12.4 m · 4 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
2023 to 2024 · 2 entries · 491 EUR awarded · 441 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 197 EUR | 147 EUR |
| 2023 | 1 | 294 EUR | 294 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,563 companies in sector 74999 we hold annual accounts for 1,938. 1,278 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2016
Fiscal year end31-03
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.