DB-Expertise
ActiveDB-Expertise has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €274k and a net result of €192k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 88% of 9384 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 8.02 against 19.97 in 2024), and 11.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
88.2%
Return on assets
61.9%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
23 d early
2024
36 d early
2023
14 d early
2022
23 d late
2021
26 d late
2020
31 d late
2019
82 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€274k▲ 1.4%
2024 · €270k
2018: €63k
2019: €144k
2020: €225k
2021: €358k
2022: €491k
2023: €19k
2024: €270k
2018 → 2025
Total assets
€310k▲ 9.4%
2024 · €284k
2018: €101k
2019: €197k
2020: €265k
2021: €381k
2022: €507k
2023: €617k
2024: €284k
2018 → 2025
Net result
€192k▼ 28.5%
2024 · €269k
2018: €41k
2019: €81k
2020: €81k
2021: €121k
2022: €151k
2023: €117k
2024: €269k
2018 → 2025
Working capital
€258k▼ 1.8%
2024 · €263k
2018: €46k
2019: €111k
2020: €201k
2021: €328k
2022: €467k
2023: €7k
2024: €263k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€358k-€491k▲ 37.0%€19k▼ 96.2%€270k▲ 1,351%€274k▲ 1.4%
Operating result€172k-€185k▲ 7.2%€169k▼ 8.8%€256k▲ 51.6%€274k▲ 7.2%
Net result€121k-€151k▲ 25.2%€117k▼ 22.8%€269k▲ 130%€192k▼ 28.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €310k
Fixed assets
€16k▲ 121%
Current assets
€295k▲ 6.6%
Equity and liabilities €310k
Equity
€274k▲ 1.4%
Debt
€37k▲ 165%
The debt ratio rises from 4.9% to 11.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€279k▲
2024 · €261k
Cash flow
€197k▼
2024 · €274k
Solvency
88.2%▼
2024 · 95.1%
Current ratio
8.02▼
2024 · 19.97
Quick ratio
8.02▼
2024 · 19.97
Debt / equity
0.13▲
2024 · 0.05
ROE
70.2%▼
2024 · 99.6%
ROA
61.9%▼
2024 · 94.8%
Interest coverage
2652.12▲
2024 · 2492.02
Debt
€37k▲
2024 · €14k
Debt ≤ 1 year
€37k▲
2024 · €14k
Income taxes
€71k▲
2024 · €67k
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€284k€310k▲
Fixed assets21/28€7k€16k▲
Tangible fixed assets22/27€7k€16k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€7k▲
Other tangible fixed assets26€2k€6k▲
Financial fixed assets28€144€144=
Current assets29/58€277k€295k▲
Amounts receivable within one year40/41€40k€63k▲
Trade receivables40€40k€63k▲
Current investments50/53€78k€0▼
Cash at bank and in hand54/58€156k€230k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€284k€310k▲
Equity10/15€270k€274k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€269k€273k▲
Amounts payable17/49€14k€37k▲
Amounts payable within one year42/48€14k€37k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€9k€16k▲
Taxes450/3€9k€16k▲
Other amounts payable47/48€3k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€585€605▲
Gross operating margin9900€262k€280k▲
Operating profit (loss)9901€256k€274k▲
Financial income75/76B€80k€643▼
Recurring financial income75€2k€643▼
Non-recurring financial income76B€77k-
Financial charges65/66B€105€12k▲
Recurring financial charges65€105€105▲
Non-recurring financial charges66B-€12k
Profit (loss) for the period before taxes9903€336k€263k▼
Income taxes67/77€67k€71k▲
Profit (loss) for the period9904€269k€192k▼
Profit (loss) for the period to be appropriated9905€269k€192k▼
Appropriation of the result
Profit (loss) to be appropriated9906€269k€461k▲
Profit (loss) brought forward from the previous period14P-€269k
Profit to be distributed694/7-€188k
Return on contributions (dividend)694-€188k
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
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €269k ▲130%
Net result €269k, the highest in the series.
31-12
Financial
Liquidity times 20current ratio 19.97
Current ratio from 1.01 to 19.97; short-term debt falls from €598k to €14k.
31-12
Financial
Equity above €200kEq €270k ▲1351%
7 profitable years in a row build equity to €270k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 15.40
Current ratio from 6.01 to 15.40; short-term debt falls from €40k to €23k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €225k ▲56.2%
3 profitable years in a row build equity to €225k.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 82 days late
2019
31-12
Financial
Equity above €100kEq €144k ▲130%
2 profitable years in a row build equity to €144k.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
13-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 74 days late
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, Court-Saint-Etienne · 1 establishment unit since 2016
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 des Maçons 71490 Court-Saint-EtienneGround area
374 m²
Building footprint
137 m²
Parcel 25023G0628/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue des Maçons 7, 1490 Court-Saint-Etienne
since 20162.374.657.691
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023G0628/00K000 | Wallonia | 374 m² | 1 · 137 m² | - |
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 11,505 companies in sector 71121 we hold annual accounts for 6,525. 4,907 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-08-2016
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.