BL EXPERTISE
ActiveBL EXPERTISE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €250k and a net result of €16k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 93% of 36377 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
86
/ 100
Excellent▼ -14 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▼-69
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 8.25 against 6.85 in 2023), and 11.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-06-2025, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
33 d early
2023
5 d early
2022
42 d early
2021
33 d early
2020
5 d early
2019
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€250k▲ 0.2%
2023 · €249k
2018: €109k
2019: €132k
2020: €158k
2021: €191k
2022: €209k
2023: €249k
2018 → 2024
Total assets
€283k▼ 2.7%
2023 · €291k
2018: €124k
2019: €155k
2020: €191k
2021: €219k
2022: €251k
2023: €291k
2018 → 2024
Net result
€16k▼ 71.9%
2023 · €55k
2018: €34k
2019: €23k
2020: €26k
2021: €34k
2022: €32k
2023: €55k
2018 → 2024
Working capital
€240k▼ 1.4%
2023 · €243k
2018: €92k
2019: €119k
2020: €148k
2021: €185k
2022: €201k
2023: €243k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€158k-€191k▲ 21.3%€209k▲ 9.0%€249k▲ 19.4%€250k▲ 0.2%
Operating result€39k-€48k▲ 25.3%€46k▼ 3.9%€79k▲ 69.9%€23k▼ 71.4%
Net result€26k-€34k▲ 28.9%€32k▼ 4.1%€55k▲ 72.4%€16k▼ 71.9%
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 2024; 2024 is 71% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €283k
Fixed assets
€10k▲ 70.0%
Current assets
€273k▼ 4.2%
Equity and liabilities €283k
Equity
€250k▲ 0.2%
Debt
€33k▼ 20.3%
The debt ratio falls from 14.4% to 11.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€26k▼
2023 · €83k
Cash flow
€19k▼
2023 · €59k
Solvency
88.2%▲
2023 · 85.6%
Current ratio
8.25▲
2023 · 6.85
Quick ratio
8.25▲
2023 · 6.85
Debt / equity
0.13▼
2023 · 0.17
ROE
6.3%▼
2023 · 22.3%
ROA
5.5%▼
2023 · 19.1%
Interest coverage
95.55▼
2023 · 667.89
Debt
€33k▼
2023 · €42k
Debt ≤ 1 year
€33k▼
2023 · €42k
Income taxes
€8k▼
2023 · €24k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€291k€283k▼
Fixed assets21/28€6k€10k▲
Tangible fixed assets22/27€6k€10k▲
Furniture and vehicles24€6k€10k▲
Current assets29/58€285k€273k▼
Amounts receivable within one year40/41€39k€43k▲
Trade receivables40€19k€16k▼
Other amounts receivable41€20k€27k▲
Current investments50/53€100k€200k▲
Cash at bank and in hand54/58€144k€27k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€291k€283k▼
Equity10/15€249k€250k▲
Contributions10/11€6k€6k=
Reserves13€149k€149k=
Distributable reserves133€149k€149k=
Profit (loss) carried forward14€93k€94k▲
Amounts payable17/49€42k€33k▼
Amounts payable within one year42/48€42k€33k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€25k€15k▼
Taxes450/3€25k€11k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€14k€14k=
Accrued charges and deferred income492/3€149€151▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€84k€28k▼
Operating profit (loss)9901€79k€23k▼
Financial income75/76B€470€840▲
Recurring financial income75€470€840▲
Financial charges65/66B€124€275▲
Recurring financial charges65€124€275▲
Profit (loss) for the period before taxes9903€79k€23k▼
Income taxes67/77€24k€8k▼
Profit (loss) for the period9904€55k€16k▼
Profit (loss) for the period to be appropriated9905€55k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€146k€109k▼
Profit (loss) brought forward from the previous period14P€90k€93k▲
Transfer from equity791/2€15k€15k=
Transfer to equity691/2€53k€15k▼
To other reserves6921€53k€15k▼
Profit to be distributed694/7€15k€15k=
Return on contributions (dividend)694€15k€15k=
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
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €16k ▼71.9%
Net result drops to €16k, the lowest in the series.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €55k ▲72.4%
Operating result €79k, net result €55k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €209k ▲9%
5 profitable years in a row build equity to €209k.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €158k ▲19.7%
3 profitable years in a row build equity to €158k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2022
Olivier Bouffioux
CurrentDirector · since 17-06-2022
17-06-2022
Appointed as Director
Location & real-estate footprint
Registered office, Braine-l'Alleud · 1 establishment unit since 2012
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 Chopin 161420 Braine-l'AlleudGround area
461 m²
Building footprint
105 m²
Volume, LiDAR
761 m³
Parcel 25014N0185/00A000, Wallonia · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Chopin 16, 1420 Braine-l'Alleud
since 20122.208.590.822
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25014N0185/00A000 | Wallonia | 461 m² | 1 · 105 m² | 9.1 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.
Similar companies · same sector, comparable size
SamElek
BE 0657.835.093
Genk · Eq €250k
ANF CONSTRUCT
BE 0893.111.464
Antwerpen · Eq €250k
B&C Technics
BE 0750.484.545
Zwevegem · Eq €250k
BERCKMANS ALL SERVICES
BE 0768.452.311
Opwijk · Eq €250k
TECHNISCHE INSTALLATIES VERELST
BE 0479.021.038
Edegem · Eq €250k
Of 22,728 companies in sector 43211 we hold annual accounts for 10,269. 7,862 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2012
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
46190Agents in non-specialised wholesale trade
46500Wholesale of information and communication equipment
46510Wholesale trade
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.