ADR-Expert
ActiveADR-Expert has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €620 and a net result of €8k. Equity is growing by ~142.2% per year across the filed fiscal years. Its solvency ranks better than 10% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency14▼-8
Growth78=
Stability94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.08), and 98.8% 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 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31523 sector peers (2025).
NBB · sector comparisonPosition among 31523 sector peers
Solvency
better than 10%
← 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 27-03-2026, 126 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
126 d early
2024
30 d early
2023
7 d early
2022
11 d early
2021
33 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
€620▲ 16.1%
2024 · €534
2021: €-139
2022: €0
2023: €65
2024: €534
2021 → 2025
Total assets
€53k▲ 1,377%
2024 · €4k
2021: €3k
2022: €2k
2023: €3k
2024: €4k
2021 → 2025
Net result
€8k▲ 486%
2024 · €1k
2021: €-2k
2022: €780
2023: €865
2024: €1k
2021 → 2025
Working capital
€1k▲ 714%
2024 · €135
2021: €-2k
2022: €-2k
2023: €-914
2024: €135
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-139-€0€65€534▲ 719%€620▲ 16.1%
Operating result€-2k-€838€1k▲ 22.8%€2k▲ 113%€9k▲ 331%
Net result€-2k-€780€865▲ 10.8%€1k▲ 53.5%€8k▲ 486%
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 four years in a row; 2025 is 331% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€38k
Current assets
€15k
Equity and liabilities €53k
Equity
€620▲ 16.1%
Debt
€53k▲ 1,613%
The debt ratio rises from 85.2% to 98.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€12k▲
2024 · €3k
Cash flow
€11k▲
2024 · €2k
Solvency
1.2%
Current ratio
1.08
Quick ratio
1.08
ROA
14.6%
Interest coverage
29.80▼
2024 · 63.74
Debt
€53k▲
2024 · €3k
Debt ≤ 1 year
€14k▲
2024 · €3k
Debt > 1 year
€39k
Income taxes
€1k▲
2024 · €821
Equity ratios withheld: equity of €620 is too small for a meaningful ratio.
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€4k€53k▲
Formation expenses20€398€190▼
Fixed assets21/28-€38k
Tangible fixed assets22/27-€38k
Furniture and vehicles24-€375
Leasing and similar rights25-€38k
Current assets29/58€3k€15k▲
Amounts receivable within one year40/41€283€8k▲
Trade receivables40€260€8k▲
Other amounts receivable41€23€58▲
Cash at bank and in hand54/58€2k€4k▲
Deferred charges and accrued income490/1€455€2k▲
Equity and liabilities
Total equity and liabilities10/49€4k€53k▲
Equity10/15€534€620▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-1k€-1k▲
Amounts payable17/49€3k€53k▲
Amounts payable after more than one year17-€39k
Financial debts170/4-€31k
Other amounts payable178/9-€8k
Amounts payable within one year42/48€3k€14k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€730€2k▲
Suppliers440/4€730€2k▲
Taxes, remuneration and social security45€455€5k▲
Taxes450/3€455€5k▲
Other amounts payable47/48€2k€447▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€581€3k▲
Other operating charges640/8-€50
Gross operating margin9900€3k€12k▲
Operating profit (loss)9901€2k€9k▲
Financial charges65/66B€44€409▲
Recurring financial charges65€44€409▲
Profit (loss) for the period before taxes9903€2k€9k▲
Income taxes67/77€821€1k▲
Profit (loss) for the period9904€1k€8k▲
Profit (loss) for the period to be appropriated9905€1k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-607€6k▲
Profit (loss) brought forward from the previous period14P€-2k€-1k▲
Profit to be distributed694/7€859€8k▲
Return on contributions (dividend)694€859€8k▲
The notes to these accounts (6 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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €8k ▲486%
Operating result €9k, net result €8k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €780
Net result €780 after one loss-making year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB 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, Plombières · 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.
Rue du Pont 334850 PlombièresGround area
482 m²
Building footprint
81 m²
Volume, LiDAR
467 m³
Parcel 63054A0061/00W002, Wallonia · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ADR-Expert
since 20212.324.113.070
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63054A0061/00W002 | Wallonia | 482 m² | 1 · 80 m² | 6.1 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 3,461 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-11-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
49410Freight transport by road
74201Photography, excluding press photography
82300Organisation of conventions and trade shows
82990Other business support services
85531Driving schools for cars and motorcycles
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.