CLEARXPERTS FINANCE
ActiveCLEARXPERTS FINANCE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.11M and a net result of €433k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 28% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-13
Solvency52▲+7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.25 in 2024; short-term debt: 72.6% and cash: 15.5% of total assets), and 72.6% 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○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 →
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
27.4%
Return on assets
10.7%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 d early
2024
31 d early
2023
37 d early
2022
34 d early
2021
37 d early
2020
18 d early
2019
18 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€1.11M▲ 64.0%
2024 · €677k
2018: €423k
2019: €466k
2020: €598k
2021: €560k
2022: €487k
2023: €617k
2024: €677k
2018 → 2025
Total assets
€4.06M▲ 19.9%
2024 · €3.38M
2018: €2.11M
2019: €2.33M
2020: €2.99M
2021: €2.80M
2022: €2.62M
2023: €3.08M
2024: €3.38M
2018 → 2025
Net result
€433k▼ 22.9%
2024 · €561k
2018: €454k
2019: €464k
2020: €547k
2021: €471k
2022: €588k
2023: €518k
2024: €561k
2018 → 2025
Working capital
€1.11M▲ 64.2%
2024 · €675k
2018: €415k
2019: €462k
2020: €595k
2021: €558k
2022: €492k
2023: €615k
2024: €675k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€560k-€487k▼ 13.1%€617k▲ 26.7%€677k▲ 9.7%€1.11M▲ 64.0%
Operating result€793k-€954k▲ 20.4%€854k▼ 10.5%€965k▲ 12.9%€902k▼ 6.5%
Net result€471k-€588k▲ 24.8%€518k▼ 11.9%€561k▲ 8.5%€433k▼ 22.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.06M
Fixed assets
€2k▼ 5.3%
Current assets
€4.06M▲ 19.9%
Equity and liabilities €4.06M
Equity
€1.11M▲ 64.0%
Debt
€2.95M▲ 8.9%
The debt ratio falls from 80.0% to 72.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€902k▼
2024 · €965k
Cash flow
€433k▼
2024 · €561k
Solvency
27.4%▲
2024 · 20.0%
Current ratio
1.38▲
2024 · 1.25
Quick ratio
1.38▲
2024 · 1.25
Debt / equity
2.66▼
2024 · 4.00
ROE
39.0%▼
2024 · 82.9%
ROA
10.7%▼
2024 · 16.6%
Interest coverage
5.30▼
2024 · 8.35
Debt
€2.95M▲
2024 · €2.71M
Debt ≤ 1 year
€2.95M▲
2024 · €2.71M
Income taxes
€299k▼
2024 · €316k
Staff costs
€6.17M▲
2024 · €4.88M
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€3.38M€4.06M▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€3.38M€4.06M▲
Amounts receivable within one year40/41€2.95M€3.40M▲
Trade receivables40€1.64M€1.91M▲
Other amounts receivable41€1.31M€1.49M▲
Current investments50/53€0-
Cash at bank and in hand54/58€406k€629k▲
Deferred charges and accrued income490/1€31k€29k▼
Equity and liabilities
Total equity and liabilities10/49€3.38M€4.06M▲
Equity10/15€677k€1.11M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€615k€1.05M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€609k€1.04M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€2.71M€2.95M▲
Amounts payable within one year42/48€2.71M€2.95M▲
Current portion of amounts payable after more than one year42€338k€0▼
Financial debts43-€449k
Credit institutions430/8-€449k
Trade debts44€790k€1.13M▲
Suppliers440/4€790k€1.13M▲
Taxes, remuneration and social security45€1.08M€1.36M▲
Taxes450/3€438k€505k▲
Remuneration and social security454/9€640k€858k▲
Other amounts payable47/48€501k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€4.88M€6.17M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€107€107=
Other operating charges640/8€6k€13k▲
Gross operating margin9900€5.85M€7.08M▲
Operating profit (loss)9901€965k€902k▼
Financial income75/76B€28k€0▼
Recurring financial income75€28k€0▼
Financial charges65/66B€116k€170k▲
Recurring financial charges65€116k€170k▲
Profit (loss) for the period before taxes9903€877k€732k▼
Income taxes67/77€316k€299k▼
Profit (loss) for the period9904€561k€433k▼
Profit (loss) for the period to be appropriated9905€561k€433k▼
Appropriation of the result
Profit (loss) to be appropriated9906€561k€433k▼
Transfer to equity691/2€60k€433k▲
To other reserves6921€60k€433k▲
Profit to be distributed694/7€501k€0▼
Return on contributions (dividend)694€501k€0▼
Social balance
Average headcount (FTE)908772.992.4▲
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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-03
State Gazette act
Resignations & appointmentsGeneral meeting · Auditor appointment2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Auditor appointment2 facts ▸
- General meeting, 21/05/2025
- Auditor appointment, EY Bedrijfsrevisoren (commissaris)
2025
31-12
Financial
Weakest financial yearnet €433k ▼22.9%
Net result drops to €433k, the lowest in the series.
31-12
Financial
Equity above €1MEq €1.11M ▲64%
8 profitable years in a row build equity to €1.11M.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €617k ▲26.7%
6 profitable years in a row build equity to €617k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €588k ▲24.8%
Net result €588k, the highest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €598k ▲28.2%
3 profitable years in a row build equity to €598k.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-07
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.
Directors · office · real estate
Directors
no sitting director, no change since 2024
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.
23-12-2024
Gestionis NV: Resigned as Director
23-12-2024
Gestionis NV: Resigned as Managing director
23-12-2024
Sane Advisory Services BV: Resigned as Director
23-12-2024
Sane Advisory Services BV: Resigned as Managing director
17-01-2018
SANE ADVISORY SERVICES: Resigned as Managing director
17-01-2018
Via Excellentia: Resigned as Managing director
31-12-2016
Geert KEUSTERMANS: Resigned as Director
31-12-2016
Pieters Marc: Resigned as Director
10-02-2015
SeKoGa: Resigned as Director
Location & real-estate footprint
Registered office, Aartselaar · 1 establishment unit since 2008
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.
Boomsesteenweg 77 C2630 AartselaarGround area
1.6 ha
Building footprint
1,860 m²
Volume, LiDAR
12,979 m³
Parcel 11001B0411/00A000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Boomsesteenweg 77 C, 2630 Aartselaar
since 20082.168.900.697
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0411/00A000 | Flanders | 1.6 ha | 1 · 1,860 m² | 9.9 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.
Statutory auditor
2 auditors| EY BedrijfsrevisorenCurrent Statutory auditor | 30-03-2026 → present |
Show 1 earlier auditors
| DELOITTE Bedrijfsrevisoren BV Statutory auditor · represented by Dirk Cleymans | - → 09-09-2021 |
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 35,333 EUR awarded · 35,333 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 13,439 EUR | 13,439 EUR |
| 2024 | 1 | 1,789 EUR | 1,789 EUR |
| 2023 | 1 | 6,901 EUR | 6,901 EUR |
| 2022 | 2 | 13,204 EUR | 13,204 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,577. 26,692 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-02-2008
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0497/053979