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Complete company report
Generated 04-09-2026
Active BE 0876.353.824Private limited company

BEXPERTISE-Be 4

Jef Denynplein 14 ·2800 Mechelen, Belgium· 20 yrs active
Sector: Other education (85599)
Conclusion Checked

BEXPERTISE-Be 4 has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €469k and a net result of €26k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 40% of 245 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €469k
Net result €26k
Better than sector 40%
Active 20 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health49Profitability27Solvency41Growth52Stability100
54 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 49
Profitability 27
Solvency 41
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.1% Very low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 2005, 20 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score FY 2025 · computed
49 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview20 NBB filings
Annual accounts filed on 27-04-2026 with the NBB · fiscal year 2025 · micro schema
€0€50k€100k€150kOperating result 2023: €127k€127kNet result 2023: €74k€74kOperating result 2024: €103k€103kNet result 2024: €56k€56kOperating result 2025: €74k€74kNet result 2025: €26k€26k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~9.2%/year over 3 fiscal years, indicative, assuming unchanged policy.
€300k€400k€500k€600k2026: €510k (€473k - €548k)2027: €551k (€514k - €589k)2028: €592k (€554k - €630k)2023: €387k2024: €444k2025: €469k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 85, Education · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 33.3% 43.1%
better than 40% of 245 sector peers
Net result €26k €11k
better than 71% of 244 sector peers
Equity €469k €25k
better than 95% of 245 sector peers
Gross operating margin €139k €29k
better than 88% of 244 sector peers
Total assets €1.41M €78k
better than 95% of 245 sector peers
EBITDA
€121k
-9.2% 23-25
Net profit
€26k
-54.8% 23-25
Cash flow
€73k
-16.4% 23-25
Total assets
€1.41M
+57.3% 23-25
Equity
€469k
+5.8% 23-25
Working capital
€-73k
- 23-25
Staff costs
€74
- 23-25
Income taxes
€13k
-51.3% 23-25
Debt
€938k
+107.9% 23-25
Debt ≤ 1y
€131k
+121.3% 23-25
Debt > 1y
€807k
+105.9% 23-25
Current ratio
0.44
-68.8% 23-25
Quick ratio
0.44
-68.8% 23-25
Solvency
33.3%
-32.7% 23-25
Debt / equity
2.00
+96.6% 23-25
ROE
5.4%
-57.3% 23-25
ROA
1.8%
-71.3% 23-25
Interest coverage
3.46
-51.0% 23-25
Figures by fiscal year and ratios
Fiscal year2025
Depositmicro schema
Revenue-
EBITDA€121k
Net profit€26k
Cash flow€73k
Staff costs-
Income taxes€13k
Dividends-
Total assets€1.41M
Equity€469k
Debt€938k
of which ≤ 1y€131k
of which > 1y€807k
Working capital€-73k
Employees (FTE)-
Ratios (computed)
2025
Current ratio0.44
Quick ratio0.44
Working capital ratio-5.2%
Solvency33.3%
Debt / equity2.00
Long-term debt ratio1.72
Interest coverage3.46
Gross margin-
Net margin-
ROA1.8%
ROE5.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€1.41M
Fixed assets 21/28€1.35M
Tangible fixed assets 22/27€1.30M
Financial fixed assets 28€48k
Current assets 29/58€58k
Amounts receivable within one year 40/41€40k
Cash & bank 54/58€16k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.41M
Equity 10/15€469k
Contributions / capital 10/11€36k
Reserves 13€434k
Amounts payable 17/49€938k
Amounts payable after one year 17€807k
Amounts payable within one year 42/48€131k
Trade debts payable within one year 44€31k
Income statement
Gross operating margin 9900€139k
Operating result 9901€74k
Financial income 75€1
Financial charges 65€35k
Result before taxes 9903€39k
Income taxes 67/77€13k
Net result for the period 9904€26k
Result to be appropriated 9905€26k
Directors & mandates 1 directors
Current directors & mandates
  • BEKX Nathalia Joanna Francisca
    Director
    State Gazette act 24435102 (09-10-2024)
    Current
    09-10-2024 → present
Legal Structure
NACE primary Other education(85599)
Legal form Private limited company(610)
Incorporation29-09-2005
StatusActive
Postal code2800
Establishment units 2 locations
Bexpertise
Jef Denynplein 14, 2800 MechelenNACE 7413102
since 20052.149.389.940
Rue du Coirbois 5, 5580 Rochefort
Business consulting
since 20242.371.102.642
Real-estate footprint Source: CBE × cadastre
Flanders 1 (50%) Wallonia 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
91114A1001/00E000 Wallonia 1,104 m² 1 · 177 m² -
12025A0786/00Z000 Flanders 585 m² 1 · 330 m² 13.2 m · 4 fl.
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.
Updates 11 events
Next filing, fiscal year 2026, expected by 30-04-2027
2026
27-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial Weakest financial yearnet €26k ▼54.8%
Net result drops to €26k, the lowest in the series.
22-04
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
09-10
State Gazette act Director changes
Emilie Stalpaert
15-03
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-03
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-04
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-04
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
08-04
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-03
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-03
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-03
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2024
09-10-2024 3 directors appointed Director changes·Emilie Stalpaert
  • BEKX Nathalia Joanna Francisca, Bestuurder
  • BEKX Nathalia Joanna Francisca, Bestuurder
  • M.W. ACCOUNTANTS BV, Bijzondere gevolmachtigde
Notary: Emilie Stalpaert · Tremelo
Technical details 
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Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
80424Other education85599Business and other management consultancy70200Business consulting70220Market research and public opinion polling732007413174142
Names & trade names
Legal nameNL BEXPERTISE-Be 4
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative