EXPERT CONCEPTS
ActiveEXPERT CONCEPTS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120k and a net result of €25k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+94
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
short-term debt: 0.7% and cash: 99.6% of total assets, and 0.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99.3%
Return on assets
20.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
32 d early
2024
37 d early
2023
40 d early
2022
46 d early
2021
37 d early
2020
17 d early
2019
39 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€120k▲ 25.9%
2024 · €95k
2018: €53k
2019: €104k
2020: €111k
2021: €86k
2022: €130k
2023: €115k
2024: €95k
2018 → 2025
Total assets
€121k▲ 25.8%
2024 · €96k
2018: €62k
2019: €104k
2020: €111k
2021: €88k
2022: €137k
2023: €122k
2024: €96k
2018 → 2025
Net result
€25k
2024 · €-20k
2018: €40k
2019: €51k
2020: €7k
2021: €-25k
2022: €44k
2023: €-22k
2024: €-20k
2018 → 2025
Working capital
€120k▲ 26.2%
2024 · €95k
2018: €50k
2019: €102k
2020: €108k
2021: €84k
2022: €129k
2023: €114k
2024: €95k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€130k▲ 51.6%€115k▼ 11.8%€95k▼ 17.2%€120k▲ 25.9%
Operating result€-24k-€57k€-21k€-5k▲ 78.9%€10k
Net result€-25k-€44k€-22k€-20k▲ 8.8%€25k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €121k
Equity
€120k▲ 25.9%
Debt
€836▲ 14.7%
The debt ratio falls from 0.8% to 0.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€10k▲
2024 · €-4k
Cash flow
€25k▲
2024 · €-19k
Solvency
99.3%▲
2024 · 99.2%
Debt / equity
0.01▼
2024 · 0.01
ROE
20.6%▲
2024 · -20.7%
ROA
20.4%▲
2024 · -20.6%
Interest coverage
37.00▲
2024 · -19.15
Debt
€836▲
2024 · €729
Debt ≤ 1 year
€836▲
2024 · €729
Income taxes
€-15k▼
2024 · €15k
A ratio outside any meaningful range has been withheld (balance sheet total €121k, equity €120k).
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€96k€121k▲
Formation expenses20€320€199▼
Fixed assets21/28€20-
Tangible fixed assets22/27€20-
Furniture and vehicles24€20-
Current assets29/58€96k€121k▲
Amounts receivable within one year40/41€7k€283▼
Trade receivables40€5k-
Other amounts receivable41€2k€283▼
Cash at bank and in hand54/58€88k€120k▲
Deferred charges and accrued income490/1€793-
Equity and liabilities
Total equity and liabilities10/49€96k€121k▲
Equity10/15€95k€120k▲
Contributions10/11€20k€20k=
Reserves13€116k€116k=
Distributable reserves133€116k€116k=
Profit (loss) carried forward14€-41k€-17k▲
Amounts payable17/49€729€836▲
Amounts payable within one year42/48€729€836▲
Trade debts44€159€194▲
Suppliers440/4€159€194▲
Other amounts payable47/48€570€642▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€462€141▼
Other operating charges640/8€535€550▲
Gross operating margin9900€-4k€11k▲
Operating profit (loss)9901€-5k€10k▲
Financial charges65/66B€212€273▲
Recurring financial charges65€212€273▲
Profit (loss) for the period before taxes9903€-5k€10k▲
Income taxes67/77€15k€-15k▼
Profit (loss) for the period9904€-20k€25k▲
Profit (loss) for the period to be appropriated9905€-20k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-41k€-17k▲
Profit (loss) brought forward from the previous period14P€-22k€-41k▼
The notes to these accounts (4 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €25k
Net result €25k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €120k ▲25.9%
Equity rises from €95k to €120k.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 8current ratio 131.22
Current ratio from 16.63 to 131.22; short-term debt falls from €7k to €729.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
31-12
Financial
Equity above €100kEq €130k ▲51.6%
Equity rises from €86k to €130k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-25k ▼471%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €51k ▲26.5%
Operating result €71k, net result €51k, both a record.
31-12
Financial
Liquidity times 70current ratio 441.07
Current ratio from 6.26 to 441.07; short-term debt falls from €10k to €233.
31-12
Financial
Equity above €100kEq €104k ▲96.8%
2 profitable years in a row build equity to €104k.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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, Mechelen · 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.
Zwartzustersvest 282800 MechelenGround area
4,538 m²
Building footprint
936 m²
Volume, LiDAR
22,532 m³
Parcel 12025B0470/00G002, Flanders · tallest building 27.3 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Expert Concepts BVBA
since 20172.267.266.023
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025B0470/00G002 | Flanders | 4,538 m² | 1 · 936 m² | 27.3 m · 8 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,834 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-08-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.