Summary
Effective Experiences 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 €128,747 and a net result of €79,117. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 86% of 8074 sector peers (fiscal year 2025). The company has been active since 2009 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
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €128,747
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
62 d early
2023
14 d early
2022
63 d early
2021
45 d early
2020
3 d early
2019
42 d early
← 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 39 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€128,747▲ 67.8%
2024 · €76,732
Net result
€79,117
2024 · -€30,409
Total assets
€145,794▲ 4.1%
2024 · €140,047
Solvency
88.3%▲ 33.5pp
2024 · 54.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€31,112▼ 51.9%-€16,057-€25,098▼ 56.3%-€31,314▼ 24.8%€81,552
Net result€22,336within the sector's middle half▼ 52.1%-€16,317below the sector's middle half-€25,319below the sector's middle half▼ 55.2%-€30,409below the sector's middle half▼ 20.1%€79,117within the sector's middle half
Equity€148,777within the sector's middle half▲ 17.7%€132,460within the sector's middle half▼ 11.0%€107,141within the sector's middle half▼ 19.1%€76,732within the sector's middle half▼ 28.4%€128,747within the sector's middle half▲ 67.8%
Total assets€217,881within the sector's middle half▲ 7.8%€197,547within the sector's middle half▼ 9.3%€170,277within the sector's middle half▼ 13.8%€140,047within the sector's middle half▼ 17.8%€145,794within the sector's middle half▲ 4.1%
Debt€13,819▼ 32.4%€9,802▼ 29.1%€7,850▼ 19.9%€8,030▲ 2.3%€17,047▲ 112%
Working capital€201,166▲ 11.5%€185,757▼ 7.7%€161,065▼ 13.3%€131,347▼ 18.5%€121,985▼ 7.1%
Solvency68.3%within the sector's middle half▲ 5.7pp67.1%within the sector's middle half▼ 1.2pp62.9%within the sector's middle half▼ 4.1pp54.8%within the sector's middle half▼ 8.1pp88.3%above the sector's middle half▲ 33.5pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €81,552 after a loss of €31,314 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145,794
Fixed assets
€6,762 ▲ 908%
Current assets
€139,031 ▼ 0.2%
Equity and liabilities €145,794
Equity
€128,747 ▲ 67.8%
Provisions
€0 ▼ 100%
Debt
€17,047 ▲ 112%
Debt's share of the balance-sheet total rises from 5.7% to 11.7%. Equity and debt are higher.
Key figures and ratios
ROE
61.5%▲
2024 · -39.6%
ROA
54.3%▲
2024 · -21.7%
Debt ≤ 1 year
€17,047▲
2024 · €8,030
Income taxes
€3,273▲
2024 · €122
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €666 | €909 | €627 | €627 | €504 | ▼ 19.6% |
| Other operating charges640/8 | - | €132 | €703 | €582 | €449 | ▼ 22.8% |
| Gross operating margin9900 | €32,163 | -€15,016 | -€23,769 | -€30,105 | €82,505 | ▲ 374% |
| Operating profit (loss)9901 | €31,112 | -€16,057 | -€25,098 | -€31,314 | €81,552 | ▲ 360% |
| Financial income75/76B | - | - | €205 | €1,485 | €1,183 | ▼ 20.3% |
| Recurring financial income75 | - | - | €205 | €1,485 | €1,183 | ▼ 20.3% |
| Financial charges65/66B | - | €261 | €295 | €459 | €346 | ▼ 24.7% |
| Recurring financial charges65 | €231 | €261 | €295 | €459 | €346 | ▼ 24.7% |
| Profit (loss) for the period before taxes9903 | €30,881 | -€16,317 | -€25,188 | -€30,287 | €82,390 | ▲ 372% |
| Income taxes67/77 | €8,545 | - | €130 | €122 | €3,273 | ▲ 2,591% |
| Profit (loss) for the period9904 | €22,336 | -€16,317 | -€25,319 | -€30,409 | €79,117 | ▲ 360% |
| Profit (loss) for the period to be appropriated9905 | €22,336 | -€16,317 | -€25,319 | -€30,409 | €79,117 | ▲ 360% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €217,881 | €197,547 | €170,277 | €140,047 | €145,794 | ▲ 4.1% |
| Fixed assets21/28 | €2,897 | €1,988 | €1,361 | €671 | €6,762 | ▲ 908% |
| Tangible fixed assets22/27 | €2,897 | €1,988 | €1,361 | €671 | €6,762 | ▲ 908% |
| Plant, machinery and equipment23 | - | €398 | €199 | - | - | - |
| Furniture and vehicles24 | - | €1,590 | €1,162 | €671 | €6,762 | ▲ 908% |
| Current assets29/58 | €214,985 | €195,559 | €168,916 | €139,377 | €139,031 | ▼ 0.2% |
| Amounts receivable within one year40/41 | €2,198 | €5,897 | €2,118 | €920 | €29,122 | ▲ 3,067% |
| Trade receivables40 | - | - | - | - | €29,040 | - |
| Other amounts receivable41 | - | €5,897 | €2,118 | €920 | €82 | ▼ 91.0% |
| Current investments50/53 | - | - | - | - | €30,000 | - |
| Cash at bank and in hand54/58 | €212,787 | €187,092 | €166,037 | €138,457 | €78,350 | ▼ 43.4% |
| Deferred charges and accrued income490/1 | - | €2,570 | €761 | - | €1,559 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €217,881 | €197,547 | €170,277 | €140,047 | €145,794 | ▲ 4.1% |
| Equity10/15 | €148,777 | €132,460 | €107,141 | €76,732 | €128,747 | ▲ 67.8% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €136,377 | €136,377 | €136,377 | €136,377 | €116,347 | ▼ 14.7% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | - | - | - |
| Other1319 | - | €1,860 | €1,860 | - | - | - |
| Tax-exempt reserves132 | - | €107 | €107 | €107 | €107 | = |
| Distributable reserves133 | - | €134,410 | €134,410 | €136,270 | €116,239 | ▼ 14.7% |
| Profit (loss) carried forward14 | - | -€16,317 | -€41,636 | -€72,045 | - | - |
| Provisions and deferred taxes16 | €55,285 | €55,285 | €55,285 | €55,285 | - | - |
| Provisions for liabilities and charges160/5 | - | €55,285 | €55,285 | €55,285 | - | - |
| Other liabilities and charges164/5 | - | €55,285 | €55,285 | €55,285 | - | - |
| Amounts payable17/49 | €13,819 | €9,802 | €7,850 | €8,030 | €17,047 | ▲ 112% |
| Amounts payable within one year42/48 | €13,819 | €9,802 | €7,850 | €8,030 | €17,047 | ▲ 112% |
| Trade debts44 | €1,739 | €3,205 | €1,184 | €1,770 | €5,123 | ▲ 189% |
| Suppliers440/4 | - | €3,205 | €1,184 | €1,770 | €5,123 | ▲ 189% |
| Taxes, remuneration and social security45 | - | - | €69 | €34 | €9,429 | ▲ 27,510% |
| Taxes450/3 | - | - | €69 | €34 | €6,819 | ▲ 19,867% |
| Remuneration and social security454/9 | - | - | - | - | €2,610 | - |
| Other amounts payable47/48 | - | €6,597 | €6,597 | €6,226 | €2,495 | ▼ 59.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,336 | -€16,317 | -€25,319 | -€30,409 | €79,117 | ▲ 360% |
| + Depreciation and write-downs630 | €666 | €909 | €627 | €627 | €504 | ▼ 19.6% |
| Operating cash flow (approximation) | €23,002 | -€15,408 | -€24,692 | -€29,782 | €79,620 | ▲ 367% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €64 | -€6,595 | ▼ 10,381% |
| Change in cash | - | -€25,695 | -€21,055 | -€27,580 | -€60,107 | ▼ 118% |
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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €79,117
Net result €79,117 after 3 loss-making years.
30-06
Financial
Equity above €100,000Eq €128,747 ▲67.8%
Equity rises from €76,732 to €128,747.
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet -€30,409
Net result drops to -€30,409, the lowest in the series; recovery starts the following year.
17-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100,000Eq €126,441 ▲58.5%
2 profitable years in a row build equity to €126,441.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Hasselt · 1 establishment unit since 2009
Ground area
1,127 m²
Building footprint
112 m²
Volume, LiDAR
538 m³
Parcel 71322B0219/00F007, Flanders · tallest building 8.5 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Effective Experiences
since 20092.178.806.674
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322B0219/00F007 | Flanders | 1,127 m² | 1 · 112 m² | 8.5 m · 1 fl. |
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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 12,941 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
Founded11-05-2009
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0811717477
Also
9925:BE0811717477
Registered
18-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.