AML EXPERT
ActiveAML EXPERT has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €19k. Equity is growing by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.72 against 2.95 in 2024; short-term debt: 14.8% and cash: 53.7% of total assets), and 14.8% 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
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
85.2%
Return on assets
13.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€116k▲ 19.2%
2024 · €97k
2023: €57k
2024: €97k
2023 → 2025
Total assets
€136k▲ 7.4%
2024 · €127k
2023: €99k
2024: €127k
2023 → 2025
Net result
€19k▼ 53.2%
2024 · €40k
2023: €53k
2024: €40k
2023 → 2025
Working capital
€75k▲ 49.4%
2024 · €50k
2023: €40k
2024: €50k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€57k-€97k▲ 69.5%€116k▲ 19.2%
Operating result€68k-€54k▼ 21.0%€27k▼ 49.3%
Net result€53k-€40k▼ 25.3%€19k▼ 53.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 49% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€41k▼ 19.3%
Current assets
€95k▲ 25.2%
Equity and liabilities €136k
Equity
€116k▲ 19.2%
Debt
€20k▼ 31.4%
The debt ratio falls from 23.2% to 14.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▼
2024 · €56k
Cash flow
€30k▼
2024 · €42k
Solvency
85.2%▲
2024 · 76.8%
Current ratio
4.72▲
2024 · 2.95
Quick ratio
4.72▲
2024 · 2.95
Debt / equity
0.17▼
2024 · 0.30
ROE
16.1%▼
2024 · 41.0%
ROA
13.7%▼
2024 · 31.5%
Interest coverage
21.90▼
2024 · 36.76
Debt
€20k▼
2024 · €29k
Debt ≤ 1 year
€20k▼
2024 · €26k
Income taxes
€7k▼
2024 · €12k
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€127k€136k▲
Fixed assets21/28€51k€41k▼
Tangible fixed assets22/27€51k€41k▼
Plant, machinery and equipment23€165€123▼
Furniture and vehicles24€51k€41k▼
Current assets29/58€76k€95k▲
Amounts receivable after more than one year29€2k€2k=
Other amounts receivable291€2k€2k=
Amounts receivable within one year40/41€21k€19k▼
Trade receivables40€21k€16k▼
Other amounts receivable41-€3k
Cash at bank and in hand54/58€51k€73k▲
Deferred charges and accrued income490/1€2k€993▼
Equity and liabilities
Total equity and liabilities10/49€127k€136k▲
Equity10/15€97k€116k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€93k€112k▲
Amounts payable17/49€29k€20k▼
Amounts payable within one year42/48€26k€20k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€22k€17k▼
Taxes450/3€22k€17k▼
Accrued charges and deferred income492/3€4k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€11k▲
Other operating charges640/8€8k€1k▼
Gross operating margin9900€64k€40k▼
Operating profit (loss)9901€54k€27k▼
Financial income75/76B-€94
Recurring financial income75-€94
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€52k€26k▼
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€40k€19k▼
Profit (loss) for the period to be appropriated9905€40k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€112k▲
Profit (loss) brought forward from the previous period14P€53k€93k▲
The notes to these accounts (7 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €19k ▼53.2%
Net result drops to €19k, the lowest in the series.
30-06
Financial
Equity above €100kEq €116k ▲19.2%
3 profitable years in a row build equity to €116k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-03-2023
Resigned as Director
Location & real-estate footprint
Registered office, Ath · 1 establishment unit since 2022
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.
Route de Flobecq 2357800 AthGround area
2,039 m²
Building footprint
190 m²
Volume, LiDAR
934 m³
2 parcels, Flanders, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AML EXPERT
since 20222.335.020.622
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51004A0532/00M000 | Wallonia | 1,275 m² | 1 · 106 m² | 6.5 m · 2 fl. |
| 23081A0243/00N002 | Flanders | 764 m² | 1 · 84 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
BRPZ Consulting
BE 0804.911.047
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DIDE Technics
BE 0734.716.897
Evergem · Eq €116k
VH&V
BE 0727.437.741
Schaarbeek · Eq €116k
ESSENTIAL HR
BE 0778.717.285
Wavre · Eq €116k
Kerstin Fehre
BE 1008.769.118
Elsene · Eq €116k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,819 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2022
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.