Summary
CENTREXPERTS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €123,500 and a net result of €80,390. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 53% of 1501 sector peers (fiscal year 2025). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
7 d late
2024
16 d early
2023
33 d early
2022
34 d early
2021
2 d early
2020
22 d early
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 15 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed Is the workforce growing, and do people stay?Employer check
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#10 oldest company in Rixensart, Finance and insurance sector
Equity
€123,500=
2024 · €123,500
Net result
€80,390▲ 19.3%
2024 · €67,364
Total assets
€290,913▲ 11.2%
2024 · €261,564
Solvency
42.5%▼ 4.8pp
2024 · 47.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€19,876▼ 45.9%€51,845▲ 161%€120,080▲ 132%€94,540▼ 21.3%€111,407▲ 17.8%
Net result€6,861below the sector's middle half▼ 52.4%€33,525within the sector's middle half▲ 389%€84,414within the sector's middle half▲ 152%€67,364within the sector's middle half▼ 20.2%€80,390within the sector's middle half▲ 19.3%
Equity€175,561within the sector's middle half▲ 4.1%€174,087within the sector's middle half▼ 0.8%€123,500within the sector's middle half▼ 29.1%€123,500within the sector's middle half=€123,500within the sector's middle half=
Total assets€345,946below the sector's middle half▼ 10.3%€310,171below the sector's middle half▼ 10.3%€277,970below the sector's middle half▼ 10.4%€261,564below the sector's middle half▼ 5.9%€290,913below the sector's middle half▲ 11.2%
Debt€170,385▼ 21.5%€136,084▼ 20.1%€154,470▲ 13.5%€138,063▼ 10.6%€167,412▲ 21.3%
Working capital€24,769within the sector's middle half€71,891within the sector's middle half▲ 190%€71,729within the sector's middle half▼ 0.2%€119,943within the sector's middle half▲ 67.2%€54,557within the sector's middle half▼ 54.5%
Solvency50.7%within the sector's middle half▲ 7.0pp56.1%within the sector's middle half▲ 5.4pp44.4%within the sector's middle half▼ 11.7pp47.2%within the sector's middle half▲ 2.8pp42.5%within the sector's middle half▼ 4.8pp
Current ratio1.15within the sector's middle half▲ 0.291.53within the sector's middle half▲ 0.381.46within the sector's middle half▼ 0.061.87within the sector's middle half▲ 0.401.33within the sector's middle half▼ 0.54
Return on assets (ROA)2.0%within the sector's middle half▼ 1.8pp10.8%within the sector's middle half▲ 8.8pp30.4%above the sector's middle half▲ 19.6pp25.8%above the sector's middle half▼ 4.6pp27.6%above the sector's middle half▲ 1.9pp
Staff (FTE)2.6within the sector's middle half▲ 4.0%2.4within the sector's middle half▼ 7.7%2.5within the sector's middle half▲ 4.2%1.6below the sector's middle half▼ 36.0%2within the sector's middle half▲ 25.0%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €290,913
Fixed assets
€68,982 ▲ 1,818%
Current assets
€221,931 ▼ 14.0%
Equity and liabilities €290,913
Equity
€123,500 =
Debt
€167,412 ▲ 21.3%
Debt's share of the balance-sheet total rises from 52.8% to 57.5%. Debt is higher.
Key figures and ratios
ROE
65.1%▲
2024 · 54.5%
Debt ≤ 1 year
€167,374▲
2024 · €138,025
Income taxes
€30,868▲
2024 · €26,945
Staff costs
€150,085▲
2024 · €116,238
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €180,145 | €182,704 | €169,585 | €116,238 | €150,085 | ▲ 29.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €50,231 | €50,409 | €50,415 | €50,714 | €1,248 | ▼ 97.5% |
| Other operating charges640/8 | €465 | - | €69 | €688 | - | - |
| Gross operating margin9900 | €250,718 | €284,959 | €340,148 | €262,179 | €262,740 | ▲ 0.2% |
| Operating profit (loss)9901 | €19,876 | €51,845 | €120,080 | €94,540 | €111,407 | ▲ 17.8% |
| Financial income75/76B | €1,731 | €1,434 | €764 | €1,583 | €729 | ▼ 54.0% |
| Recurring financial income75 | €1,731 | €1,434 | €764 | €1,583 | €729 | ▼ 54.0% |
| Financial charges65/66B | €7,266 | €3,547 | €2,062 | €1,814 | €877 | ▼ 51.7% |
| Recurring financial charges65 | €7,266 | €3,547 | €2,062 | €1,814 | €877 | ▼ 51.7% |
| Profit (loss) for the period before taxes9903 | €14,341 | €49,733 | €118,781 | €94,310 | €111,259 | ▲ 18.0% |
| Income taxes67/77 | €7,480 | €16,208 | €34,368 | €26,945 | €30,868 | ▲ 14.6% |
| Profit (loss) for the period9904 | €6,861 | €33,525 | €84,414 | €67,364 | €80,390 | ▲ 19.3% |
| Profit (loss) for the period to be appropriated9905 | €6,861 | €33,525 | €84,414 | €67,364 | €80,390 | ▲ 19.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €345,946 | €310,171 | €277,970 | €261,564 | €290,913 | ▲ 11.2% |
| Fixed assets21/28 | €150,792 | €102,224 | €51,809 | €3,596 | €68,982 | ▲ 1,818% |
| Intangible fixed assets21 | €150,000 | €100,000 | €50,000 | - | - | - |
| Tangible fixed assets22/27 | €692 | €2,124 | €1,709 | €3,496 | €68,882 | ▲ 1,870% |
| Furniture and vehicles24 | €692 | €2,124 | €1,709 | €3,496 | €2,812 | ▼ 19.6% |
| Other tangible fixed assets26 | - | - | - | - | €66,070 | - |
| Financial fixed assets28 | €100 | €100 | €100 | €100 | €100 | = |
| Current assets29/58 | €195,154 | €207,947 | €226,161 | €257,968 | €221,931 | ▼ 14.0% |
| Amounts receivable within one year40/41 | €192,217 | €175,062 | €177,989 | €171,253 | €103,520 | ▼ 39.6% |
| Trade receivables40 | €87,061 | €77,747 | €82,731 | €80,538 | €55,032 | ▼ 31.7% |
| Other amounts receivable41 | €105,155 | €97,315 | €95,259 | €90,715 | €48,488 | ▼ 46.5% |
| Cash at bank and in hand54/58 | - | €28,983 | €45,447 | €84,072 | €115,824 | ▲ 37.8% |
| Deferred charges and accrued income490/1 | €2,937 | €3,902 | €2,725 | €2,643 | €2,587 | ▼ 2.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €345,946 | €310,171 | €277,970 | €261,564 | €290,913 | ▲ 11.2% |
| Equity10/15 | €175,561 | €174,087 | €123,500 | €123,500 | €123,500 | = |
| Contributions10/11 | €19,850 | €19,850 | €19,850 | €19,850 | €19,850 | = |
| Reserves13 | €1,985 | €1,985 | €1,985 | €1,985 | €1,985 | = |
| Non-distributable reserves130/1 | €1,985 | €1,985 | €1,985 | €1,985 | €1,985 | = |
| Reserves not available under the articles1311 | €1,985 | €1,985 | €1,985 | €1,985 | €1,985 | = |
| Profit (loss) carried forward14 | €153,726 | €152,252 | €101,665 | €101,665 | €101,665 | = |
| Amounts payable17/49 | €170,385 | €136,084 | €154,470 | €138,063 | €167,412 | ▲ 21.3% |
| Amounts payable within one year42/48 | €170,385 | €136,055 | €154,432 | €138,025 | €167,374 | ▲ 21.3% |
| Current portion of amounts payable after more than one year42 | €23,700 | €5,031 | - | - | - | - |
| Financial debts43 | €24,989 | - | - | - | - | - |
| Credit institutions430/8 | €24,989 | - | - | - | - | - |
| Trade debts44 | €23,189 | €27,977 | €25,619 | €19,545 | €54,192 | ▲ 177% |
| Suppliers440/4 | €23,189 | €27,977 | €25,619 | €19,545 | €54,192 | ▲ 177% |
| Taxes, remuneration and social security45 | €25,572 | €19,938 | €16,252 | €16,555 | €32,792 | ▲ 98.1% |
| Taxes450/3 | €5,089 | €6,208 | €171 | €2,809 | €15,671 | ▲ 458% |
| Remuneration and social security454/9 | €20,483 | €13,731 | €16,081 | €13,746 | €17,122 | ▲ 24.6% |
| Other amounts payable47/48 | €72,934 | €83,109 | €112,561 | €101,925 | €80,390 | ▼ 21.1% |
| Accrued charges and deferred income492/3 | - | €29 | €38 | €38 | €38 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,861 | €33,525 | €84,414 | €67,364 | €80,390 | ▲ 19.3% |
| + Depreciation and write-downs630 | €50,231 | €50,409 | €50,415 | €50,714 | €1,248 | ▼ 97.5% |
| Operating cash flow (approximation) | €57,092 | €83,935 | €134,829 | €118,078 | €81,638 | ▼ 30.9% |
| Investment in fixed assets (approximation) | - | -€1,841 | €0 | -€2,500 | -€66,634 | ▼ 2,565% |
| Change in cash | - | - | €16,464 | €38,626 | €31,752 | ▼ 17.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €84,414 ▲152%
Operating result €120,080, net result €84,414, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €6,861 ▼52.4%
Net result drops to €6,861, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
31-12
Financial
Equity above €150,000Eq €154,284 ▲77.6%
2 profitable years in a row build equity to €154,284.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 acts for this company are 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, Rixensart · 1 establishment unit since 1998
Ground area
2,545 m²
Building footprint
1,570 m²
Parcel 25033B0525/00T002, Wallonia. Linked by address, not a title deed.
116
companies at this address
See who is registered here
1 establishment unit
CENTREXPERTS
since 19982.088.080.396
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25033B0525/00T002 | Wallonia | 2,544 m² | 1 · 1,570 m² | - |
Linked by address, not proof of ownership
Good to know
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
Owners and holdings
1 ownerChain of control
- TSO GROUP BELGIUM
- CENTREXPERTS
Highest known parent: TSO GROUP BELGIUM. The sources do not say who stands above it.
Owners 1
- TSO GROUP BELGIUMparent89.88%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 853 companies in sector 66210 we hold annual accounts for 511. 445 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-08-1998
Fiscal year end31-12
Abbreviation FR
CENTREX
Activities, NACEBEL 2025
66210Risk and damage evaluation
Contact
E-mail
centrexperts@centrexperts.beRixensart
Phone
028881440Rixensart
Fax
028881441Rixensart
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463891315
Registered
12-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.