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EXPECT

Active Risk: not assessed Private limited companyfounded 2000active for 26 yearsAv.Cte Jean Dumonceau 3, 1390 Grez-DoiceauKBO/BCE: BE 0469.724.676 #3 oldest company in Grez-Doiceau, Finance and insurance sector
EXPECT
Financial year 2025
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Annual accounts 2025

micro format, filed on 23-10-2025, 8 days before the deadline
€372,548
▲ 5.9%
€441,711
▲ 8.0%
€43,390
▲ 57.9%
84.3%
▼ 1.7 percentage points
11.6%
▲ 3.8 percentage points
9.8%
▲ 3.1 percentage points
In the rankings #3 oldest company in Grez-Doiceau, Finance and insurance sector#9 company by equity in Grez-Doiceau, Finance and insurance sector

Money flows

no detail for 2025

Balance sheet

balance sheet total €441,711 on 31-03-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

84.3%

Higher than 83% of 3,343 companies in 2025.

9.8%

Higher than 49% of 3,284 companies in 2025.

EXPECT Middle half of the sector 80% of the sector Micro accounts in auxiliary financial services (NACE 66)

Net result: middle half · Equity: top quarter · Balance sheet total: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020201920172016201520142013201220112010200920082007
Balance sheet: assets
20/58 441,711409,068473,119441,033392,455395,609343,573351,975348,679347,180376,077362,335255,172233,456244,580208,10875,72170,816
20 ---------000-00---
21/28 191,663202,411218,849238,378178,885197,121216,444255,659276,281292,724311,426331,495200,046213,575224,905193,62350,48654,692
21 ---------------162--
22/27 191,663202,411218,849238,378178,885197,121216,444255,659276,281292,724311,426331,495200,046213,575224,905193,46150,48654,692
22 189,459198,367216,248234,128178,125197,121216,117254,110273,106292,102311,188330,890198,702211,514223,162191,14746,94950,671
23 --------15430801295479431,1588511,2771,702
24 2,2044,0442,6024,250761-3271,5503,0213142384767971,1175851,4632,2602,319
29/58 250,049206,657254,270202,655213,569198,488127,12996,31672,39954,45664,65230,84055,12619,88119,67514,48525,23616,124
29 144,471----------26,431------
290 -----------26,431------
291 144,471-----------------
3 -1,632----------------
30/36 -1,632----------------
40/41 69,895160,553151,117153,033167,208160,088119,46270,19559,51451,89959,888-48,78413,91313,0434,32322,3177,189
40 69,89533,77930,64272,306100,42293,53998,60970,19559,51451,89959,888-6,96412,4313,5993,41917,5314,244
41 -126,775120,47580,72766,78666,54920,854-----41,8201,4829,4449044,7872,945
54/58 33,87238,86797,21847,98344,76636,8524,97525,42511,3302,5574,7644,4096,3415,9676,63210,1622,9188,935
490/1 1,8115,6055,9341,6391,5941,5492,6916961,554---------
Balance sheet: equity and liabilities
10/49 441,711409,068473,119441,033392,455395,609343,573351,975348,679347,180376,077362,335255,172233,456244,580208,10875,72170,816
10/15 372,548351,859354,381306,827268,786230,574198,339151,309116,38396,55093,76692,061128,528144,124152,378136,69770,79763,005
10/11 19,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,000
100 -----19,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,00019,000
13 319,014298,378300,978254,507216,771179,035147,300101,12869,39266,65769,74173,00573,00573,00573,0057,7207,72038,120
130/1 -1,9001,9001,9001,900-----5,8205,8205,8205,8205,8205,820--
130 -----1,9001,9001,9001,9001,9001,9001,9001,9001,9001,9001,9001,9001,900
1311 -1,9001,9001,9001,900-------------
1319 ----------5,8205,8205,8205,8205,8205,820--
132 26,11429,37829,37835,90739,17142,43545,70052,22855,49258,75762,02165,28565,28565,28565,285---
133 292,900267,100269,700216,700175,700134,70099,70047,00012,0006,000------5,82036,220
14 34,53434,48134,40233,32133,01532,53832,04031,18127,99110,8945,0255636,52352,11860,373109,97744,0775,885
16 8,6959,7829,78211,95613,04314,13015,21717,39118,47819,56520,65221,73921,73921,73921,739---
168 8,6959,7829,78211,95613,04314,13015,21717,39118,47819,56520,65221,73921,73921,73921,739---
17/49 60,46847,427108,956122,249110,626150,905130,017183,275213,819231,065261,660248,536104,90567,59470,46371,4124,9247,811
17 21,23531,24140,85950,10558,99467,53875,75195,725110,385124,365137,697150,41137,53943,11748,39453,386--
170/4 21,23531,24140,85950,10558,99467,53875,75195,725110,385124,365137,697150,41137,53943,11748,39453,386--
42/48 38,58216,18668,09772,14451,63283,36754,26687,550102,783106,050123,31398,12567,36624,47622,06918,0254,9247,811
42 10,0069,6189,2468,8888,5448,2137,89614,66013,98013,33212,71512,1275,5785,2774,9924,722-1,153
44 1,6824,4484,5843,40912,0962,2265,3537151,3242,76618,61571930,35014,5832,09111,8181,465783
440/4 1,6824,4484,5843,40912,0962,2265,3537151,3242,76618,61571930,35014,5832,09111,8181,465783
45 26,8952,12038,26727,84730,99325,92816,01827,31515,13111,01413,04513,52111,4383,56014,9861,4853,100-
450/3 26,8952,12038,26727,84730,99325,92816,01827,31515,13111,01413,04513,5218,43855114,9861,4853,100-
454/9 ------------3,0003,010----
47/48 --16,00032,000-47,00025,00044,86072,34878,93878,93871,75820,0001,057--3605,875
492/3 650-------650650650-------
Income statement
70 -152,450197,217225,028156,690166,163139,356172,995150,476177,533165,889152,917183,592161,927183,259145,425165,245113,052
76A -1,57022,310----1,038417277303,7199871716,26687,188--
9900 91,44065,679167,580127,74791,521100,51577,666102,08473,79750,55049,5449,83140,40829,28956,72019,99358,50573,378
60/61 -106,68380,945105,95970,17671,82076,18485,02297,825126,983116,346143,086143,184132,639126,538125,432106,74139,674
62 --8,9504,7851,6522,1325157,00713,84913,60114,43013,80813,12612,2218,4697,4596,39549,175
630 20,06519,84019,52919,62919,05819,32319,82920,62120,62119,55620,06913,55113,91714,55014,51812,7695,4575,040
640/8 2,5022,2161,9155,8102,1735,0221,5741,6541,6281,4921,0945561,2269273,1073,2363,0332,097
66A ----588----89----2,093--247
9901 68,87343,623137,18697,52368,05074,03755,74872,80237,69815,90113,951-18,08412,1391,59030,625-3,47143,62017,065
75/76B 400011011,6631,038051-187101,45033-
75 40001110051-187101,45033-
76B -----1001,6621,038----------
65/66B 1,5962,2002,5392,8613,0283,4273,7925,1335,7796,3627,1652,7252,7313,2113,3001,724173318
65 1,5962,2002,5392,8613,0283,4273,7925,1335,7796,3627,1652,7252,7313,2113,3001,724173318
9903 67,28141,424134,64694,66365,02370,71053,61968,70732,3379,7796,816-17,08910,403-1,44331,50983,44443,47916,500
780 1,087-2,1741,087--------------
67/77 24,97813,94638,26725,70827,89817,56312,16624,86813,5918,0816,1983785,9996,81210,63917,5445,28710,616
9904 43,39027,47898,55370,04238,21254,23542,53944,92619,8332,7841,705-17,4674,404-8,25520,87065,89938,1925,885
789 3,264-6,5293,2643,2643,2643,2643,2643,2643,2643,264-----30,400-
9905 46,65427,478105,08273,30641,47657,49945,80448,19023,0976,0494,969-17,4674,404-8,25520,87065,89968,5925,885
Appropriation of the result
9906 81,13461,881138,402106,32174,01589,53877,74076,18133,99111,0745,02519,05656,52352,11860,373109,97774,47732,505
14P 34,48134,40233,32133,015--------------
791/2 22,70030,00035,00012,000-----5,820------30,400-
691/2 46,60027,40088,00053,00041,00035,00022,70035,0006,0006,000------30,40026,620
6921 46,60027,40088,00053,00041,00035,00022,70035,0006,0006,000------30,40026,620
694/7 22,70030,00051,00032,000-22,00023,00010,000---19,00020,000---30,400-
694 22,70030,00035,00012,000-------19,00020,000-----
695 --16,00020,000-22,00023,00010,000----------
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 6 older financial years (2001-2006) were filed as documents without figures as data, scans for example.

The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 23-10-2025.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-03-2025 micro format 23-10-2025 2025-00550363 PDF
31-03-2024 micro format 21-10-2024 2024-00510637 PDF
31-03-2023 micro format 02-10-2023 2023-00465126 PDF
31-03-2022 micro format 03-11-2022 2022-20483301 PDF
31-03-2021 micro format 29-11-2021 2021-79200134 PDF
31-03-2020 micro format 16-11-2020 2020-70600252 PDF
31-03-2019 micro format 24-10-2019 2019-71300465 PDF
31-03-2017 full format 17-10-2017 2017-67300432 PDF
31-03-2016 full format 04-10-2016 2016-64600254 PDF
31-03-2015 full format 29-09-2015 2015-61500351 PDF
31-03-2014 full format 23-09-2014 2014-59600109 PDF
31-03-2013 full format 31-07-2013 2013-38600390 PDF
31-03-2012 full format 18-09-2012 2012-56800226 PDF
31-03-2011 full format 20-09-2011 2011-55200260 PDF
31-03-2010 full format 16-09-2010 2010-54500244 PDF
31-03-2009 full format 27-10-2009 2009-83500289 PDF
31-03-2008 full format 12-09-2008 2008-73000200 PDF
31-03-2007 full format 12-09-2007 2007-72100326 PDF
31-03-2006 full format 29-09-2006 2006-81503736 PDF
31-03-2005 full format 18-11-2005 2005-86401660 PDF
31-03-2004 full format 06-12-2004 2004-83405145 PDF
31-03-2003 full format 24-09-2004 2004-66500407 PDF
31-03-2002 full format 19-12-2002 2002-77701733 PDF
31-03-2001 full format 18-09-2001 2001-57004374 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020201920172016201520142013201220112010200920082007
9,3173,401079,1218220-04,1788540145,0003883,22045,127186,9141,2511,819
-4,995-58,35149,2353,2167,91531,876-14,0948,773-2,207355-1,932374-664-3,5307,243-6,016-
-28.6%69.6%43.3%43.4%44.6%40.0%42.1%25.1%9.0%8.4%-11.8%6.6%1.0%16.7%-2.4%26.4%15.1%
84.3%86.0%74.9%69.6%68.5%58.3%57.7%43.0%33.4%27.8%24.9%25.4%50.4%61.7%62.3%65.7%93.5%89.0%
11.6%7.8%27.8%22.8%14.2%23.5%21.4%29.7%17.0%2.9%1.8%-19.0%3.4%-5.7%13.7%48.2%53.9%9.3%
9.8%6.7%20.8%15.9%9.7%13.7%12.4%12.8%5.7%0.8%0.5%-4.8%1.7%-3.5%8.5%31.7%50.4%8.3%

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item31-03-202531-03-202431-03-202331-03-2022
Tangible fixed assets€9,317€3,401-€79,121
€20,065€19,840€19,529€19,629

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on EXPECT

The operating result for 2025 is 58% higher than in 2024. It is a recovery after the fall in 2024.

Debt's share of the balance-sheet total rises from 11.6% to 13.7%. Equity and debt are higher.

Next steps

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