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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

Overview

Lifetime

18 annual accounts with figures on one time axis, 24 filings since 2001
peak €167,580 (2023)
€91,440▲ 39.2%
lowest -€17,467 (2013)
€43,390▲ 57.9%
peak €372,548 (2025)
€372,548▲ 5.9%
€60,468▲ 27.5%
Board1 name since 2022
1 director
Documentsfilings and deeds
23-10-20258 days before the deadline
2025micro format
Gross margin from €65,679 to €91,440Result from €27,478 to €43,390Dividend €22,700Debts from €47,427 to €60,468

Key points

from the 2025 annual accounts

Equity

€372,548 ▲ 5.9%

EXPECT has made a profit without a break since 2014.

Turnover

≈ €280,000 estimated

The micro format states no turnover.

Filings

24 annual accounts 12 days past the deadline
deadline20102020

2026 accounts not filed: deadline was 31-10-2026.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.

Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Board and ownership

Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0469724676
Appointment: (statutory director) “Dénomination; Durée; Exercice social; Date assemblée générale ordinaire; Siège:Av.Cte Jean Dumonceau 3,1390…” (deed in French) · General meeting of 24-03-2022 · Gazette deed
First establishment Av.Cte Jean Dumonceau 3, Grez-Doiceau
Incorporation published on 27-01-2000 · Gazette deed
All 38 events

Comparable companies

same main activity, similar in size and age
Company
EXPECT Grez-Doiceau €441,711 €91,440 84.3% -
TEN EECKE Zwevegem €367,966 €94,907 83.5% -
MOYAERT & PARTNERS Ghent €458,861 €105,639 87.7% -
CELIDEX Nivelles €345,328 €71,780 88.9% -
BECA Braine-l'Alleud €342,032 €92,232 71.6% -
DIRIBO Lochristi €474,761 €105,483 79.7% -
INDUTEX Kontich €560,153 €89,398 97.7% -

These companies have the same main activity as EXPECT: risk and damage evaluation (NACE 66210). They are comparable in size and age: total assets between €342,000 and €560,000, founded between 1991 and 2003.

Official details

Source: KBO
Status
Active since 17-01-2000Normal situation
Activity
Risk and damage evaluationNACE 66210
Establishment unit
2.093.694.1241390 Grez-Doiceau, since 10-03-2000
Financial year end
31 March
Peppol
Reachable since 06-12-2025
Company details

Annual accounts to 31-03-2025

€43,390▲ 57.9%
€372,548▲ 5.9%
€441,711▲ 8.0%
Filing
Filed on 23-10-2025
Financials

Insights on EXPECT

EXPECT files the micro format. That format states no turnover. The gross margin rose from €73,378 in 2007 to €91,440 in 2025.

The balance sheet grew most from 2008 to 2010 through fixed assets.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

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

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

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.

Board & ownership

Board

1 director, no change since 2022
Statutory director
appointed by deed of 04-04-2022 term without a fixed end
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Dans ce cas, l'assemblée générale, lors de sa première réunion, confirme ou non le mandat de l’ administrateur coopté. L'administrateur…”
deed of 04-04-2022

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today

Statutory director
Board
Mandates as a list
    • Statutory director, appointed by deed of 04-04-2022, still in office

See the board, name and registered office on a given date →

Control

Capital

Contribution
€19,000
Source
2025 annual accounts

Articles of association

deed of 04-04-2022 (in French)
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
15 September at 15:00
Dissolution ruleThe articles set when and by whom the company can be dissolved.
“Situation active et passive arrêté à date ne remontant pas à plus de trois mois joint, justificatif établi par organe administration annoncé…”
Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
“Met fin pouvoirs organe administration, non requise si dettes uniquement à égard actionnaires et tous actionnaires créanciers confirment par…”

Network & group

No group

EXPECT has no parent and no holdings in its annual accounts. is the only director. EXPECT shares no director with another company.

Timeline

Timeline

38 events since 2000
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0469724676
Annual accounts 2025 filed PDFmicro format · 8 days before the deadline
2024
Annual accounts 2024 filed PDFmicro format · 10 days before the deadline
Liquidity more than triples current ratio 12.77 The current ratio rises from 3.73 to 12.77. Short-term debt falls from €68,097 to €16,186.
2023
Annual accounts 2023 filed PDFmicro format · 29 days before the deadline
Highest result from 2007 to 2025 net €98,553 ▲40.7% The operating result of €137,186 and the net result of €98,553 are both a record.
2022
Annual accounts 2022 filed PDFmicro format · 3 days late
Appointment: (statutory director)“Dénomination; Durée; Exercice social; Date assemblée générale ordinaire; Siège:Av.Cte Jean Dumonceau 3,1390…” (deed in French) · General meeting of 24-03-20224 points ▸
  • General meeting, 24-03-2022
  • Purpose change, “Dénomination; Durée; Exercice social; Date assemblée générale ordinaire; Siège:Av.Cte Jean Dumonceau 3,1390 Grez-Doiceau” (deed in French)
  • 76 shares
  • Director appointment, (statutory director)
  • The deed holds 5 more points.

Open the deed in the Belgian Official Gazette

2021
Annual accounts 2021 filed PDFmicro format · 29 days late
2020
Annual accounts 2020 filed PDFmicro format · 16 days late
Equity above €200,000 equity €230,574 ▲16.3% After 6 profitable years in a row, equity reaches €230,574.
2019
Annual accounts 2019 filed PDFmicro format · 7 days before the deadline
Liquidity more than doubled current ratio 2.34 The current ratio rises from 1.10 to 2.34. Short-term debt falls from €87,550 to €54,266.
2017
Annual accounts 2017 filed PDFfull format · 14 days before the deadline
2016
Annual accounts 2016 filed PDFfull format · 27 days before the deadline
2015
Annual accounts 2015 filed PDFfull format · 32 days before the deadline
2014
Annual accounts 2014 filed PDFfull format · 38 days before the deadline
Back to profit net €1,705 The net result is €1,705, after one loss-making year.
2013
Annual accounts 2013 filed PDFfull format · 92 days before the deadline
Weakest financial year net -€17,467 The net result drops to -€17,467, the lowest from 2007 to 2025. It recovers the following year.
2012
Annual accounts 2012 filed PDFfull format · 43 days before the deadline
Back to profit net €4,404 The net result is €4,404, after one loss-making year.
2011
Annual accounts 2011 filed PDFfull format · 41 days before the deadline
2010
Annual accounts 2010 filed PDFfull format · 45 days before the deadline
Equity above €150,000 equity €152,378 ▲11.5% With a profit in every financial year since 2007, equity grows to €152,378.
2009
Annual accounts 2009 filed PDFfull format · 4 days before the deadline
Equity above €100,000 equity €136,697 ▲93.1% With a profit in every financial year since 2007, equity grows to €136,697.
2008
Annual accounts 2008 filed PDFfull format · 49 days before the deadline
Liquidity more than doubled current ratio 5.12 The current ratio rises from 2.06 to 5.12. Short-term debt falls from €7,811 to €4,924.
2007
Annual accounts 2007 filed PDFfull format · 49 days before the deadline
2006
Annual accounts 2006 filed PDFfull format · 32 days before the deadline
2005
Annual accounts 2005 filed PDFfull format
2004
Annual accounts 2004 filed PDFfull format
Annual accounts 2003 filed PDFfull format
2002
Annual accounts 2002 filed PDFfull format
2001
Annual accounts 2001 filed PDFfull format
2000
First establishment Av.Cte Jean Dumonceau 3, Grez-Doiceau
Incorporation published on 27-01-2000

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

EXPECT was incorporated on 17 January 2000.1 is statutory director of the company, appointed by deed of 04-04-2022.2 Total assets rose from €343,573 in 2019 to €441,711 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 04-04-2022
  3. 3National Bank, annual accounts 2019 and 2025

Company details

Identity

Enterprise number
0469.724.676
VAT number
BE 0469.724.676
Peppol ID
0208:0469724676
Other Peppol ID
9925:BE0469724676
Legal form
Private limited company
Status
Active, normal situation
Founded
17-01-2000
Financial year
ends on 31 March
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
15 September at 15:00
deed of 04-04-2022 (in French)
Peppol
Reachable since 06-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
EXPECT in French
Entity type
Legal entity

Activities

NACEBEL 2025
66210 Risk and damage evaluation main activity
Codes under NACEBEL 2008
66210 Activities auxiliary to financial services and insurance activities main activity
Codes under NACEBEL 2003
67202 main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Toutes activités d’expertise technique,de bureau d’étude et de coordination; Toutes activités d’entreprise générale de construction…”
11 activities
  1. Toutes activités d’expertise technique,de bureau d’étude et de coordination
  2. Toutes activités d’entreprise générale de construction
  3. Dispenser des avis financiers,techniques,commerciaux ou administratifs dans le sens le plus large du terme,à l'exception des conseils de placement d'argent et autres,fournir son assistance et exécuter des services directement ou indirectement sur le plan de l'administration et des finances,de la vente,de la production et de la gestion en général;fournir toutes prestations de service et exécuter tous mandats sous forme d'études d'organisation,d'expertises,d'actes et de conseils techniques ou autres dans tout domaine rentrant dans son objet
  4. Concevoir,étudier,promouvoir et réaliser tous projets informatiques,bureautiques et tout ce qui s'y rapporte
  5. Effectuer des études,programmer et mettre en route des systèmes d'organisation,de vente de publicité,de marketing,mettre en application des systèmes pour traiter des données et toutes techniques en rapport avec la gestion technique,administrative,économique et générale d'entreprises
  6. Exécuter tous mandats d'administrateur,et en général,tous mandats et fonctions se rapportant directement ou indirectement à son objet
  7. Développement,achat,vente,prise de licences ou octroi de licences,de brevets,know-how et d'actifs immobiliers apparentés
  8. Prestation de services administratifs et informatiques;tous travaux de secrétariat et de traduction
  9. Achat et vente,importation et exportation,commissionnement,courtage et représentation de tous biens généralement quelconques,en bref l'intermédiaire commercial
  10. Recherche,développement,production ou commercialisation de nouveaux produits,de nouvelles technologies et leur application
  11. Décoration,achat,vente de tous articles de décoration
deed of 04-04-2022 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Av.Cte Jean Dumonceau 3 registered office 1390 Grez-Doiceau 4100106 General construction of residential buildings 10-03-2000 2.093.694.124