EXPERT BUILDING GROUP
ActiveEXPERT BUILDING GROUP has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €114k and a net result of €93k. Equity is growing by ~39.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 5896 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
76
/ 100
Excellent▼ -18 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency37▼-32
Growth52=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.64 in 2023), and 77.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
56 d late
2023
30 d late
2022
60 d late
2021
31 d late
2020
30 d late
2019
84 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€220k▲ 7.7%
2021 · €205k
2020: €364k
2021: €205k
2020 → 2022
EBIT margin
12.2%▲ 9.4pp
2021 · 2.8%
2020: 14.5%
2021: 2.8%
2020 → 2022
Net result
€93k▲ 133%
2023 · €40k
2018: €39
2019: €-7k
2020: €43k
2021: €4k
2022: €20k
2023: €40k
2018 → 2024
Working capital
€84k▲ 1.6%
2023 · €83k
2018: €6k
2019: €-2k
2020: €41k
2021: €45k
2022: €69k
2023: €83k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€364k-€205k▼ 43.9%€220k▲ 7.7%
Equity€42k-€46k▲ 9.5%€66k▲ 43.3%€76k▲ 15.2%€114k▲ 50.2%
Operating result€53k-€6k▼ 89.1%€27k▲ 365%€52k▲ 93.6%€117k▲ 124%
Net result€43k-€4k▼ 90.7%€20k▲ 399%€40k▲ 101%€93k▲ 133%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 124% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €505k
Fixed assets
€102k▲ 1,741%
Current assets
€402k▲ 89.1%
Equity and liabilities €505k
Equity
€114k▲ 50.2%
Debt
€391k▲ 174%
The debt ratio rises from 65.2% to 77.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€130k▲
2023 · €54k
Cash flow
€106k▲
2023 · €42k
Solvency
22.6%▼
2023 · 34.8%
Current ratio
1.26▼
2023 · 1.64
Quick ratio
1.26▼
2023 · 1.64
Debt / equity
3.42▲
2023 · 1.88
ROE
81.7%▲
2023 · 52.7%
ROA
18.5%▲
2023 · 18.3%
Interest coverage
23.82▼
2023 · 125.88
Debt
€391k▲
2023 · €142k
Debt ≤ 1 year
€318k▲
2023 · €130k
Debt > 1 year
€58k
Income taxes
€18k▲
2023 · €12k
Staff costs
€56k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€218k€505k▲
Fixed assets21/28€6k€102k▲
Tangible fixed assets22/27€5k€101k▲
Plant, machinery and equipment23-€47k
Furniture and vehicles24€5k€54k▲
Financial fixed assets28€1k€1k=
Current assets29/58€213k€402k▲
Amounts receivable within one year40/41€156k€382k▲
Trade receivables40€96k€191k▲
Other amounts receivable41€60k€190k▲
Cash at bank and in hand54/58€56k€17k▼
Deferred charges and accrued income490/1€444€4k▲
Equity and liabilities
Total equity and liabilities10/49€218k€505k▲
Equity10/15€76k€114k▲
Contributions10/11€6k€6k=
Reserves13€60k€90k▲
Distributable reserves133€60k€90k▲
Profit (loss) carried forward14€10k€18k▲
Amounts payable17/49€142k€391k▲
Amounts payable after more than one year17-€58k
Financial debts170/4-€58k
Amounts payable within one year42/48€130k€318k▲
Current portion of amounts payable after more than one year42-€20k
Trade debts44€67k€166k▲
Suppliers440/4€67k€166k▲
Taxes, remuneration and social security45€33k€49k▲
Taxes450/3€33k€49k▲
Other amounts payable47/48€30k€84k▲
Accrued charges and deferred income492/3€12k€14k▲
Income statement
Code20232024
Remuneration, social security and pensions62-€56k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€13k▲
Other operating charges640/8€4k€6k▲
Gross operating margin9900€58k€192k▲
Operating profit (loss)9901€52k€117k▲
Financial income75/76B€4€17▲
Recurring financial income75€4€17▲
Financial charges65/66B€432€5k▲
Recurring financial charges65€432€5k▲
Profit (loss) for the period before taxes9903€52k€111k▲
Income taxes67/77€12k€18k▲
Profit (loss) for the period9904€40k€93k▲
Profit (loss) for the period to be appropriated9905€40k€93k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€103k▲
Profit (loss) brought forward from the previous period14P€10k€10k▲
Transfer to equity691/2€10k€30k▲
To other reserves6921€10k€30k▲
Profit to be distributed694/7€30k€55k▲
Return on contributions (dividend)694-€40k
Directors or managers695€30k€15k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
31-12
Financial
Highest result since 2018net €93k ▲133%
Net result €93k, the highest in the series.
31-12
Financial
Equity above €100kEq €114k ▲50.2%
5 profitable years in a row build equity to €114k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.92
Current ratio from 0.93 to 1.92.
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
22-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 175 days late
2019
31-12
Financial
Weakest financial yearnet €-7k ▼18434%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Grimbergen · 1 establishment unit since 2018
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.
Sint-Annalaan 31853 GrimbergenGround area
767 m²
Building footprint
294 m²
Volume, LiDAR
2,717 m³
Parcel 23084A0479/00Z010, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Annalaan 3, 1853 Grimbergen
since 20182.280.149.405
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23084A0479/00Z010 | Flanders | 767 m² | 1 · 294 m² | 12.8 m · 3 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.
Similar companies · same sector, comparable size
ELEKTRO ED
BE 0728.923.029
Willebroek · Eq €114k
ALGEMENE BOUWWERKEN DESPLENTER CARLO
BE 0846.816.433
Langemark-Poelkapelle · Eq €114k
VRANCKX RUDI CONSTRUCT
BE 0821.059.666
Rotselaar · Eq €114k
BPI SERENITY VALLEY SA
BE 0747.927.804
Oudergem · Eq €114k
BRIQDA BUILD
BE 0764.315.062
Brussel · Eq €114k
Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 12,883 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
81210General cleaning of buildings
43350Other building finishing work
43990Other specialised construction activities
43992Specialised construction activities
43999Specialised construction activities
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.