FOCUS ADVIES
ActiveSummary
FOCUS ADVIES has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €351k and a net result of €31k. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-16
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 8.43 in 2024; short-term debt: 11.5% and cash: 16% of total assets), and 11.5% 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+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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
88.5%
Return on assets
7.7%
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 10-04-2026, 112 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
112 d early
2024
146 d early
2023
93 d early
2022
32 d early
2021
44 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
€351k▲ 9.5%
2024 · €320k
2021: €125k
2022: €184k
2023: €247k
2024: €320k
2021 → 2025
Total assets
€397k▲ 10.5%
2024 · €359k
2021: €128k
2022: €227k
2023: €297k
2024: €359k
2021 → 2025
Net result
€31k▼ 58.1%
2024 · €73k
2021: €115k
2022: €59k
2023: €63k
2024: €73k
2021 → 2025
Working capital
€50k▼ 82.5%
2024 · €287k
2021: €125k
2022: €152k
2023: €213k
2024: €287k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€184k▲ 47.2%€247k▲ 34.2%€320k▲ 29.5%€351k▲ 9.5%
Operating result€147k-€74k▼ 49.5%€81k▲ 8.8%€93k▲ 15.8%€40k▼ 57.3%
Net result€115k-€59k▼ 48.7%€63k▲ 6.6%€73k▲ 15.8%€31k▼ 58.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €397k
Fixed assets
€301k ▲ 795%
Current assets
€96k ▼ 70.5%
Equity and liabilities €397k
Equity
€351k ▲ 9.5%
Debt
€46k ▲ 18.6%
Debt's share of the balance-sheet total rises from 10.7% to 11.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€40k▼
2024 · €94k
Cash flow
€31k▼
2024 · €73k
Current ratio
2.09▼
2024 · 8.43
Debt to equity
0.13▲
2024 · 0.12
ROE
8.7%▼
2024 · 22.8%
ROA
7.7%▼
2024 · 20.3%
Interest coverage
409.39▼
2024 · 966.23
Debt ≤ 1 year
€46k▲
2024 · €39k
Income taxes
€13k▼
2024 · €23k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€359k€397k▲
Fixed assets21/28€34k€301k▲
Tangible fixed assets22/27€34k€46k▲
Furniture and vehicles24€34k€46k▲
Financial fixed assets28-€255k
Current assets29/58€325k€96k▼
Amounts receivable within one year40/41€69k€32k▼
Trade receivables40€30k€27k▼
Other amounts receivable41€39k€6k▼
Current investments50/53€235k€0▼
Cash at bank and in hand54/58€21k€63k▲
Equity and liabilities
Total equity and liabilities10/49€359k€397k▲
Equity10/15€320k€351k▲
Contributions10/11€10k€10k=
Reserves13€66k€66k=
Distributable reserves133€66k€66k=
Profit (loss) carried forward14€244k€275k▲
Amounts payable17/49€39k€46k▲
Amounts payable within one year42/48€39k€46k▲
Trade debts44€33k€0▼
Suppliers440/4€33k€0▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€0€41k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€296€417▲
Other operating charges640/8€449€462▲
Gross operating margin9900€94k€41k▼
Operating profit (loss)9901€93k€40k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€97€99▲
Recurring financial charges65€97€99▲
Profit (loss) for the period before taxes9903€96k€43k▼
Income taxes67/77€23k€13k▼
Profit (loss) for the period9904€73k€31k▼
Profit (loss) for the period to be appropriated9905€73k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€274k€275k▲
Profit (loss) brought forward from the previous period14P€201k€244k▲
Transfer to equity691/2€30k€0▼
To other reserves6921€30k€0▼
The notes to these accounts (11 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
14-09
State Gazette act
General meeting · Director appointment
Director resignation · Permanent representative
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €31k ▼58.1%
Net result drops to €31k, the lowest in the series.
07-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €247k ▲34.2%
3 profitable years in a row build equity to €247k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €184k ▲47.2%
2 profitable years in a row build equity to €184k.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hasselt · 1 establishment unit since 2020
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.
Zestien-Bundersstraat 633500 HasseltGround area
1,266 m²
Building footprint
197 m²
Volume, LiDAR
1,084 m³
Parcel 71322B0208/00V003, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FOCUS ADVIES
since 20202.311.020.248
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322B0208/00V003 | Flanders | 1,266 m² | 1 · 197 m² | 6.5 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.
Structure & network
Connections & network
7 connected companiesLinked via shared directors
Shared director
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Shared director
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Shared director
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Shared director
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Show 3 more companies with a shared director
Shared director
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Shared director
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Shared director
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,206 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
Founded31-08-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.