CX-Expertise
ActiveCX-Expertise has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €119k and a net result of €113k. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 6967 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 6.79 against 3.61 in 2024), and 13.4% 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 · 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
86.6%
Return on assets
82.5%
Age of the figures
8 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
27 d early
2021
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€119k▲ 1.4%
2024 · €117k
2021: €132k
2022: €204k
2023: €301k
2024: €117k
2021 → 2025
Total assets
€137k▼ 16.1%
2024 · €164k
2021: €180k
2022: €278k
2023: €367k
2024: €164k
2021 → 2025
Net result
€113k▲ 1.4%
2024 · €112k
2021: €129k
2022: €73k
2023: €97k
2024: €112k
2021 → 2025
Working capital
€106k▼ 9.9%
2024 · €118k
2021: €132k
2022: €205k
2023: €301k
2024: €118k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€132k-€204k▲ 55.2%€301k▲ 47.3%€117k▼ 61.0%€119k▲ 1.4%
Operating result€167k-€92k▼ 44.9%€124k▲ 34.8%€143k▲ 15.4%€145k▲ 1.3%
Net result€129k-€73k▼ 43.5%€97k▲ 32.9%€112k▲ 15.6%€113k▲ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €137k
Fixed assets
€12k▲ 12,395%
Current assets
€125k▼ 23.6%
Equity and liabilities €137k
Equity
€119k▲ 1.4%
Debt
€18k▼ 60.4%
The debt ratio falls from 28.4% to 13.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€146k
Cash flow
€114k
Solvency
86.6%▲
2024 · 71.6%
Current ratio
6.79▲
2024 · 3.61
Quick ratio
6.79▲
2024 · 3.61
Debt / equity
0.15▼
2024 · 0.40
ROE
95.2%▲
2024 · 95.2%
ROA
82.5%▲
2024 · 68.2%
Interest coverage
1123.91
Debt
€18k▼
2024 · €46k
Debt ≤ 1 year
€18k▼
2024 · €45k
Income taxes
€33k▲
2024 · €32k
Staff costs
€2k▼
2024 · €3k
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€164k€137k▼
Fixed assets21/28€99€12k▲
Tangible fixed assets22/27-€12k
Furniture and vehicles24-€12k
Financial fixed assets28€99€99=
Current assets29/58€164k€125k▼
Amounts receivable within one year40/41€43k€51k▲
Trade receivables40€43k€44k▲
Other amounts receivable41€438€6k▲
Cash at bank and in hand54/58€121k€74k▼
Equity and liabilities
Total equity and liabilities10/49€164k€137k▼
Equity10/15€117k€119k▲
Contributions10/11€3k€3k=
Reserves13€114k€116k▲
Distributable reserves133€114k€116k▲
Amounts payable17/49€46k€18k▼
Amounts payable within one year42/48€45k€18k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€38k€10k▼
Taxes450/3€38k€10k▼
Other amounts payable47/48€6k€6k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Remuneration, social security and pensions62€3k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€952
Other operating charges640/8€795€874▲
Gross operating margin9900€147k€149k▲
Operating profit (loss)9901€143k€145k▲
Financial income75/76B€935€2k▲
Recurring financial income75€935€2k▲
Financial charges65/66B€142€130▼
Recurring financial charges65€142€130▼
Profit (loss) for the period before taxes9903€144k€146k▲
Income taxes67/77€32k€33k▲
Profit (loss) for the period9904€112k€113k▲
Profit (loss) for the period to be appropriated9905€112k€113k▲
Appropriation of the result
Profit (loss) to be appropriated9906€112k€113k▲
Transfer from equity791/2€295k€112k▼
Transfer to equity691/2€112k€113k▲
To other reserves6921€112k€113k▲
Profit to be distributed694/7€295k€112k▼
Return on contributions (dividend)694€295k€112k▼
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €73k ▼43.5%
Net result drops to €73k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €204k ▲55.2%
2 profitable years in a row build equity to €204k.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Mortsel · 1 establishment unit since 2020
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.
Boechoutselei 972640 MortselGround area
297 m²
Building footprint
151 m²
Volume, LiDAR
637 m³
Parcel 11513C0451/00B003, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CX-Expertise
since 20202.306.743.538
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0451/00B003 | Flanders | 297 m² | 1 · 151 m² | 6.8 m · 1 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.
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Of 13,391 companies in sector 73300 we hold annual accounts for 6,882. 5,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2020
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.