EKxpert Consult
ActiveEKxpert Consult has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €2k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-3
Solvency38▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.38 in 2024; short-term debt: 33.4% and cash: 15.5% of total assets), but 87.5% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-02-2026, 16 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 · 10 filingsDeviation from the deadline
2025
16 d late
2024
26 d late
2023
on the day
2022
1 d early
2021
42 d early
2020
41 d early
2019
4 d early
← before the deadline
after the deadline →
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 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 13.7%
2024 · €14k
2019: €7k
2020: €9k
2021: €11k
2022: €6k
2023: €8k
2024: €14k
2019 → 2025
Total assets
€126k▼ 5.5%
2024 · €133k
2019: €148k
2020: €148k
2021: €141k
2022: €132k
2023: €116k
2024: €133k
2019 → 2025
Net result
€2k▼ 67.6%
2024 · €6k
2019: €4k
2020: €2k
2021: €2k
2022: €-5k
2023: €2k
2024: €6k
2019 → 2025
Working capital
€25k▲ 26.5%
2024 · €20k
2019: €-4k
2020: €1k
2021: €8k
2022: €9k
2023: €14k
2024: €20k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€6k▼ 47.1%€8k▲ 32.2%€14k▲ 72.7%€16k▲ 13.7%
Operating result€6k-€-3k€5k€9k▲ 92.1%€4k▼ 55.5%
Net result€2k-€-5k€2k€6k▲ 199%€2k▼ 67.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €126k
Fixed assets
€59k▼ 3.3%
Current assets
€67k▼ 7.3%
Equity and liabilities €126k
Equity
€16k▲ 13.7%
Provisions
€2k=
Debt
€109k▼ 7.8%
The debt ratio falls from 88.3% to 86.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €13k
Cash flow
€7k▼
2024 · €10k
Solvency
12.5%▲
2024 · 10.4%
Current ratio
1.59▲
2024 · 1.38
Quick ratio
1.59▲
2024 · 1.38
Debt / equity
6.88▼
2024 · 8.48
ROE
12.0%▼
2024 · 42.1%
ROA
1.5%▼
2024 · 4.4%
Interest coverage
27.65▼
2024 · 60.58
Debt
€109k▼
2024 · €118k
Debt ≤ 1 year
€42k▼
2024 · €53k
Debt > 1 year
€50k=
2024 · €50k
Income taxes
€3k▼
2024 · €4k
Staff costs
€55k▼
2024 · €66k
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€133k€126k▼
Fixed assets21/28€61k€59k▼
Tangible fixed assets22/27€61k€59k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€5k€6k▲
Assets under construction and advance payments27€45k€45k=
Current assets29/58€72k€67k▼
Amounts receivable within one year40/41€26k€46k▲
Trade receivables40€3k€19k▲
Other amounts receivable41€22k€27k▲
Cash at bank and in hand54/58€27k€20k▼
Deferred charges and accrued income490/1€19k€2k▼
Equity and liabilities
Total equity and liabilities10/49€133k€126k▼
Equity10/15€14k€16k▲
Contributions10/11€6k€6k=
Reserves13€5k€5k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€0-
Other1319€2k€2k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€2k€4k▲
Provisions and deferred taxes16€2k€2k=
Provisions for liabilities and charges160/5€2k€2k=
Environmental obligations163€2k€2k=
Amounts payable17/49€118k€109k▼
Amounts payable after more than one year17€50k€50k=
Financial debts170/4€50k€50k=
Amounts payable within one year42/48€53k€42k▼
Trade debts44€37k€24k▼
Suppliers440/4€37k€24k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€15k€18k▲
Taxes450/3€14k€10k▼
Remuneration and social security454/9€2k€8k▲
Accrued charges and deferred income492/3€16k€17k▲
Income statement
Code20242025
Remuneration, social security and pensions62€66k€55k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€81k€66k▼
Operating profit (loss)9901€9k€4k▼
Financial income75/76B€836€1k▲
Recurring financial income75€836€1k▲
Financial charges65/66B€212€349▲
Recurring financial charges65€212€349▲
Profit (loss) for the period before taxes9903€10k€5k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€6k€2k▼
Profit (loss) for the period to be appropriated9905€6k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€4k▲
Profit (loss) brought forward from the previous period14P€-3k€2k▲
The notes to these accounts (13 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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 16 days late
2025
26-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
30-06
Financial
Highest result since 2019net €6k ▲199%
Operating result €9k, net result €6k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Weakest financial yearnet €-5k ▼339%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
23-12
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.
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, Kampenhout · 1 establishment unit since 2021
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.
Haachtsesteenweg 521910 KampenhoutGround area
596 m²
Building footprint
192 m²
Volume, LiDAR
554 m³
Parcel 23008D0501/00K000, Flanders · tallest building 3.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
EKxpert Consult
since 20212.321.409.443
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23008D0501/00K000 | Flanders | 596 m² | 1 · 192 m² | 3.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 1,987 EUR awarded · 1,987 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 930 EUR | 930 EUR |
| 2023 | 1 | 481 EUR | 481 EUR |
| 2022 | 1 | 576 EUR | 576 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 28,005 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-12-2014
Fiscal year end30-06
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70220Business consulting
43211General electrical installation work
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.