DUAL EXPERT
ActiveThe computed 12-month bankruptcy probability of DUAL EXPERT is 3.8% (moderate). The 2024 annual accounts show equity of €63k and a net result of €19k. Equity is growing by ~54.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 9982 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+5
Solvency100▲+18
Growth78=
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 6.65 against 2.25 in 2023; short-term debt: 15% and cash: 43.6% of total assets), and 15% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
46 d late
2022
32 d late
2021
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€63k▲ 41.4%
2023 · €45k
2021: €493
2022: €28k
2023: €45k
2021 → 2024
Total assets
€74k▼ 5.8%
2023 · €79k
2021: €4k
2022: €45k
2023: €79k
2021 → 2024
Net result
€19k▲ 9.7%
2023 · €17k
2021: €493
2022: €22k
2023: €17k
2021 → 2024
Working capital
€63k▲ 47.5%
2023 · €43k
2021: €493
2022: €25k
2023: €43k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€493-€28k▲ 5,542%€45k▲ 60.7%€63k▲ 41.4%
Operating result€496-€28k▲ 5,579%€23k▼ 19.4%€25k▲ 8.6%
Net result€493-€22k▲ 4,428%€17k▼ 24.4%€19k▲ 9.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 9% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €74k
Equity
€63k▲ 41.4%
Debt
€11k▼ 67.4%
The debt ratio falls from 43.4% to 15.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
85.0%▲
2023 · 56.6%
Current ratio
6.65▲
2023 · 2.25
Quick ratio
5.40▲
2023 · 1.14
Debt / equity
0.18▼
2023 · 0.77
ROE
29.3%▼
2023 · 37.8%
ROA
24.9%▲
2023 · 21.4%
Debt
€11k▼
2023 · €34k
Debt ≤ 1 year
€11k▼
2023 · €34k
Income taxes
€6k▲
2023 · €6k
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€79k€74k▼
Fixed assets21/28€2k-
Tangible fixed assets22/27€2k-
Furniture and vehicles24€2k-
Current assets29/58€77k€74k▼
Stocks and contracts in progress3€38k€14k▼
Stocks30/36€38k€14k▼
Amounts receivable within one year40/41€16k€27k▲
Trade receivables40€3k€5k▲
Other amounts receivable41€13k€22k▲
Cash at bank and in hand54/58€24k€32k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€79k€74k▼
Equity10/15€45k€63k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€40k€58k▲
Amounts payable17/49€34k€11k▼
Amounts payable within one year42/48€34k€11k▼
Trade debts44€23k€4k▼
Suppliers440/4€23k€4k▼
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€11k€7k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Other operating charges640/8€1k€2k▲
Gross operating margin9900€25k€27k▲
Operating profit (loss)9901€23k€25k▲
Financial charges65/66B€242€230▼
Recurring financial charges65€242€230▼
Profit (loss) for the period before taxes9903€22k€24k▲
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€17k€19k▲
Profit (loss) for the period to be appropriated9905€17k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€58k▲
Profit (loss) brought forward from the previous period14P€23k€40k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 6.65
Current ratio from 2.25 to 6.65; short-term debt falls from €34k to €11k.
15-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 46 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2021net €22k ▲4428%
Operating result €28k, net result €22k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.46
Current ratio from 1.12 to 2.46.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 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, Jette · 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.
Eugène Toussaintstraat 73/1G1090 JetteGround area
419 m²
Building footprint
227 m²
Volume, LiDAR
3,390 m³
Parcel 21463C0423/00T000, Brussels · tallest building 20.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
DUAL EXPERT
since 20202.310.229.402
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21463C0423/00T000 | Brussels | 419 m² | 1 · 227 m² | 20.2 m · 5 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
ADREBO CONSTRUCT
BE 0765.447.586
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CSJ-Bouw
BE 0699.739.984
Heusden-Zolder · Eq €63k
F.D.S. CONCEPT
BE 0719.804.930
Châtelet · Eq €63k
Calis Bram
BE 0843.275.240
Pajottegem · Eq €63k
VL CONCEPT
BE 0463.713.844
Sint-Genesius-Rode · Eq €63k
Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 13,192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
16230Manufacture of other builders' carpentry and joinery
33200Installation of industrial machinery and equipment
43990Other specialised construction activities
43999Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:office@dualexpert.be
Phone:+32470071286