EXPERT LOPEZ

Active

Private limited companyfounded 20242 yrs activeSteenweg op Waver 500A, 1040 Etterbeek, BelgiumKBO/BCE: BE 1011.879.254

Summary

EXPERT LOPEZ has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €32k. Its solvency ranks better than 49% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

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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

Profitability100

Solvency53

Growth-

Track record67

Bankruptcy probability, 12 months

1.4% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity tight (current ratio 1.3; short-term debt: 71.9% and cash: 46.1% of total assets), and 71.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 68

Relative position

BE, all sectors

reference

Sector 68

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

28.1%

Return on assets

59.1%

Age of the figures

9 mo

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 · 1 filing

Deviation from the deadline

2025

32 d early

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€15k

Total assets

€55k

Net result

€32k

Working capital

€12k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €55k

93.5%

Fixed assets €4k

Current assets €51k

Equity and liabilities €55k

28.1%

71.9%

Equity €15k

Debt €39k

Debt finances 71.9% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€44k

Cash flow

€33k

Current ratio

1.30

Debt / equity

2.56

ROE

210.5%

ROA

59.1%

Interest coverage

11.22

Debt ≤ 1 year

€39k

Income taxes

€8k

Filed annual accounts As filed with the NBB · 2025 · 39 lines

Balance sheet Code2025

Assets

Total assets20/58€55k

Fixed assets21/28€4k

Tangible fixed assets22/27€4k

Furniture and vehicles24€4k

Current assets29/58€51k

Amounts receivable within one year40/41€26k

Trade receivables40€26k

Cash at bank and in hand54/58€25k

Deferred charges and accrued income490/1€319

Equity and liabilities

Total equity and liabilities10/49€55k

Equity10/15€15k

Contributions10/11€3k

Reserves13€12k

Distributable reserves133€12k

Amounts payable17/49€39k

Amounts payable within one year42/48€39k

Trade debts44€4k

Suppliers440/4€4k

Taxes, remuneration and social security45€16k

Taxes450/3€14k

Remuneration and social security454/9€2k

Other amounts payable47/48€20k

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€893

Other operating charges640/8€981

Gross operating margin9900€45k

Operating profit (loss)9901€43k

Financial income75/76B€1k

Recurring financial income75€1k

Financial charges65/66B€4k

Recurring financial charges65€4k

Profit (loss) for the period before taxes9903€40k

Income taxes67/77€8k

Profit (loss) for the period9904€32k

Profit (loss) for the period to be appropriated9905€32k

Appropriation of the result

Profit (loss) to be appropriated9906€32k

Transfer to equity691/2€12k

To other reserves6921€12k

Profit to be distributed694/7€20k

Directors or managers695€20k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 1Filings 1

2026

29-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Etterbeek · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Steenweg op Waver 500A1040 Etterbeek

Ground area

43 m²

Parcel 21364B0018/00X007, Brussels. Linked by address, not a title deed.

1 establishment unit

expert immobilier

Steenweg op Waver 500A, 1040 EtterbeekRisk and damage evaluation

since 20242.362.302.267

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21364B0018/00X007	Brussels	43 m²	-	-

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

Old Home Towns Services

Bilzen-Hoeselt · Eq €15k

Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 2,255 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded24-07-2024

Fiscal year end31-12

Activities, NACEBEL

68110Buying and selling of own real estate

66210Risk and damage evaluation

68310Real estate agency activities

68311Real estate activities

68322Real estate appraisal on a fee or contract basis

74909Other professional, scientific and technical activities

74999Other professional, scientific and technical activities

85599Other education

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.