Advizum
ActiveAdvizum has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €87k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency9▼-86
Growth58▼-20
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.87 against 2.09 in 2024), and 99% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
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
1%
Return on assets
60.6%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12632 sector peers (2025).
NBB · sector comparisonPosition among 12632 sector peers
Solvency
better than 5%
← weakest
strongest →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
8 d early
2024
59 d early
2023
54 d early
2022
39 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 97.5%
2024 · €59k
2022: €4k
2023: €7k
2024: €59k
2022 → 2025
Total assets
€143k▲ 22.0%
2024 · €117k
2022: €18k
2023: €71k
2024: €117k
2022 → 2025
Net result
€87k▲ 68.8%
2024 · €51k
2022: €2k
2023: €4k
2024: €51k
2022 → 2025
Working capital
€-18k
2024 · €42k
2022: €2k
2023: €-9k
2024: €42k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€7k▲ 111%€59k▲ 695%€1k▼ 97.5%
Operating result€5k-€9k▲ 66.1%€67k▲ 659%€112k▲ 66.6%
Net result€2k-€4k▲ 68.9%€51k▲ 1,220%€87k▲ 68.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 67% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143k
Fixed assets
€22k▼ 40.3%
Current assets
€121k▲ 50.9%
Equity and liabilities €143k
Equity
€1k▼ 97.5%
Debt
€141k▲ 142%
The debt ratio rises from 49.8% to 99.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€128k▲
2024 · €84k
Cash flow
€103k▲
2024 · €68k
Solvency
1.0%▼
2024 · 50.2%
Current ratio
0.87▼
2024 · 2.09
Quick ratio
0.87▼
2024 · 2.09
Debt / equity
96.25▲
2024 · 0.99
ROA
60.6%▲
2024 · 43.8%
Interest coverage
80.21▲
2024 · 35.34
Debt
€141k▲
2024 · €58k
Debt ≤ 1 year
€139k▲
2024 · €38k
Debt > 1 year
€3k▼
2024 · €20k
Income taxes
€26k▲
2024 · €14k
A ratio outside any meaningful range has been withheld (balance sheet total €143k, equity €1k).
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€117k€143k▲
Fixed assets21/28€37k€22k▼
Tangible fixed assets22/27€37k€22k▼
Plant, machinery and equipment23€591€345▼
Furniture and vehicles24-€2k
Leasing and similar rights25€36k€20k▼
Financial fixed assets28€250€250=
Current assets29/58€80k€121k▲
Amounts receivable after more than one year29€60k€86k▲
Other amounts receivable291€60k€86k▲
Amounts receivable within one year40/41€17k€18k▲
Trade receivables40€17k€18k▲
Cash at bank and in hand54/58€3k€16k▲
Deferred charges and accrued income490/1€914€986▲
Equity and liabilities
Total equity and liabilities10/49€117k€143k▲
Equity10/15€59k€1k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€58k€270▼
Amounts payable17/49€58k€141k▲
Amounts payable after more than one year17€20k€3k▼
Financial debts170/4€20k€3k▼
Amounts payable within one year42/48€38k€139k▲
Current portion of amounts payable after more than one year42€16k€17k▲
Taxes, remuneration and social security45€22k€32k▲
Taxes450/3€22k€32k▲
Other amounts payable47/48-€89k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€87k€131k▲
Operating profit (loss)9901€67k€112k▲
Financial income75/76B€423€2k▲
Recurring financial income75€423€2k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€65k€112k▲
Income taxes67/77€14k€26k▲
Profit (loss) for the period9904€51k€87k▲
Profit (loss) for the period to be appropriated9905€51k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€58k€144k▲
Profit (loss) brought forward from the previous period14P€6k€58k▲
Profit to be distributed694/7-€144k
Return on contributions (dividend)694-€144k
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
2026
07-08
State Gazette act
General meeting · Director appointment
Permanent representative · Director resignation
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €87k ▲68.8%
Operating result €112k, net result €87k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2.09
Current ratio from 0.65 to 2.09.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Kalmthout · 1 establishment unit since 2021
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.
Culturalaan (Heide) 132920 KalmthoutGround area
830 m²
Building footprint
117 m²
Volume, LiDAR
682 m³
Parcel 11022F0001/00K112, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Advizum
since 20212.325.244.012
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022F0001/00K112 | Flanders | 830 m² | 1 · 117 m² | 8.2 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
Ownership & control
1 partyAdvizumBE 0777.990.379
controls
Where this company holds controlthis company sits on their board1
2 locations
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 450 EUR awarded · 450 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 135 EUR | 135 EUR |
| 2023 | 1 | 195 EUR | 195 EUR |
| 2022 | 1 | 120 EUR | 120 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 723 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2021
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
64200Holdings
64210Activities of holding companies
69202Legal and accounting activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.