TO Advise is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €15k and a net result of €10k. Its solvency ranks better than 27% of 2413 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 24-07-2026, 7 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€15k
Net result
€10k
Total assets
€70k
Solvency
21.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €70k
Fixed assets
€42k
Current assets
€28k
Equity and liabilities €70k
Equity
€15k
Debt
€55k
Debt finances 79.0% of the balance-sheet total.
Key figures and ratios
Solvency
21.0%
ROE
66.1%
ROA
13.9%
Debt
€55k
Debt ≤ 1 year
€5k
Debt > 1 year
€50k
Income taxes
€3k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€70k
Fixed assets21/28€42k
Tangible fixed assets22/27€42k
Furniture and vehicles24€42k
Current assets29/58€28k
Amounts receivable within one year40/41€13k
Trade receivables40€13k
Other amounts receivable41€383
Cash at bank and in hand54/58€13k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€70k
Equity10/15€15k
Contributions10/11€5k
Reserves13€10k
Distributable reserves133€10k
Amounts payable17/49€55k
Amounts payable after more than one year17€50k
Other amounts payable178/9€50k
Amounts payable within one year42/48€5k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Other amounts payable47/48€86
Accrued charges and deferred income492/3€425
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€50
Gross operating margin9900€15k
Operating profit (loss)9901€13k
Financial charges65/66B€1,000
Recurring financial charges65€1,000
Profit (loss) for the period before taxes9903€12k
Income taxes67/77€3k
Profit (loss) for the period9904€10k
Profit (loss) for the period to be appropriated9905€10k
Appropriation of the result
Profit (loss) to be appropriated9906€10k
Transfer to equity691/2€10k
To other reserves6921€10k
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
24-07
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, Assenede · 1 establishment unit since 2025
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.
Lindekenstraat 229960 AssenedeGround area
7,530 m²
Building footprint
243 m²
Volume, LiDAR
1,080 m³
Parcel 43002D0769/00E000, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
TO Advise
since 20252.380.306.160
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43002D0769/00E000 | Flanders | 7,530 m² | 1 · 243 m² | 8.2 m · 1 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
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BL INTERNATIONAL
BE 0743.408.295
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ATHENA SRL
BE 0721.492.433
Ath · Eq €15k
A. INVEST IMMO
BE 0700.440.265
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CONSIAN
BE 1026.598.213
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Of 1,511 companies in sector 66199 we hold annual accounts for 917. 372 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2025
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
63920Other information service activities
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.