Ekspert
ActiveThe computed 12-month bankruptcy probability of Ekspert is 3.4% (moderate). For Ekspert, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €59k and a net result of €-49k. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 48% of 8327 sector peers (fiscal year 2023). The company has been active since 2017 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability0▼-73
Solvency77▼-23
Growth47▼-17
Track record92
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Solvency, return and age of the figures
Solvency
51.6%
Return on assets
-43.2%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 6 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline19-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 17-09-2024, 48 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
48 d late
2022
414 d late
2021
78 d late
2020
87 d late
2019
41 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Financials · fiscal year 2023, micro schema
Turnover
€122k▲ 1.1%
2020 · €121k
2020: €121k
2020 → 2021
EBIT margin
14.2%▼ 19.0pp
2020 · 33.1%
2020: 33.1%
2020 → 2021
Net result
€-49k
2022 · €19k
2018: €18k
2019: €35k
2020: €22k
2021: €10k
2022: €19k
2018 → 2023
Working capital
€58k▼ 46.5%
2022 · €108k
2018: €23k
2019: €51k
2020: €76k
2021: €88k
2022: €108k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Turnover€121k€122k▲ 1.1%
Equity€59k-€79k▲ 35.3%€88k▲ 11.4%€108k▲ 22.0%€59k▼ 45.6%
Operating result€50k-€40k▼ 19.4%€17k▼ 56.8%€25k▲ 42.1%€-55k
Net result€35k-€22k▼ 36.6%€10k▼ 55.9%€19k▲ 97.1%€-49k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €55k after €25k in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €114k
Fixed assets
€954
Current assets
€113k
Equity and liabilities €114k
Equity
€59k▼ 45.6%
Debt
€55k▲ 101%
The debt ratio rises from 20.3% to 48.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-55k
Cash flow
€-49k
Solvency
51.6%▼
2022 · 79.7%
Current ratio
2.05▼
2022 · 4.94
Quick ratio
2.05▼
2022 · 4.94
Debt / equity
0.94▲
2022 · 0.25
ROE
-83.8%▼
2022 · 18.0%
ROA
-43.2%▼
2022 · 14.4%
Interest coverage
11.22
Debt
€55k▲
2022 · €27k
Debt ≤ 1 year
€55k▲
2022 · €27k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€135k€114k▼
Fixed assets21/28-€954
Tangible fixed assets22/27-€954
Plant, machinery and equipment23-€954
Current assets29/58€135k€113k▼
Amounts receivable within one year40/41€103k€103k▼
Trade receivables40€10k-
Other amounts receivable41€94k€103k▲
Cash at bank and in hand54/58€25k€2k▼
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€135k€114k▼
Equity10/15€108k€59k▼
Contributions10/11€6k€6k=
Reserves13€102k€102k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€100k€100k=
Profit (loss) carried forward14-€-49k
Amounts payable17/49€27k€55k▲
Amounts payable within one year42/48€27k€55k▲
Trade debts44-€18k
Suppliers440/4-€18k
Taxes, remuneration and social security45€27k€37k▲
Taxes450/3€27k€37k▲
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€477
Other operating charges640/8€631€33k▲
Gross operating margin9900€25k€-22k▼
Operating profit (loss)9901€25k€-55k▼
Financial income75/76B€6k€1k▼
Recurring financial income75€6k€1k▼
Financial charges65/66B-€-5k
Recurring financial charges65-€-5k
Profit (loss) for the period before taxes9903€31k€-49k▼
Income taxes67/77€11k-
Profit (loss) for the period9904€19k€-49k▼
Profit (loss) for the period to be appropriated9905€19k€-49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€-49k▼
Transfer to equity691/2€19k-
To other reserves6921€19k-
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
07-05
KBO administration
Address struck
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 48 days late
17-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 414 days late
2023
31-12
Financial
Weakest financial yearnet €-49k ▼353%
Net result drops to €-49k, the lowest in the series.
2022
31-12
Financial
Equity above €100kEq €108k ▲22%
5 profitable years in a row build equity to €108k.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
31-12
Financial
Highest result since 2018net €35k ▲94.9%
Operating result €50k, net result €35k, both a record.
04-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 65 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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
1 establishment unit since 2017
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.
Ground area
3,886 m²
Building footprint
798 m²
Volume, LiDAR
7,125 m³
2 parcels, Flanders · tallest building 22.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ekspert
since 20172.271.303.597
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13322D0398/00D000 | Flanders | 2,743 m² | 1 · 214 m² | 9.3 m · 2 fl. |
| 11303C0200/00S003 | Flanders | 1,142 m² | 1 · 583 m² | 22.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 5,555 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-12-2017
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.