EXPERT-TECH
ActiveEXPERT-TECH has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €143k and a net result of €50k. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 24% of 1303 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+5
Solvency47▲+9
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.34 in 2024; short-term debt: 13.5% and cash: 0.4% of total assets), and 78.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+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 33
Relative position
BE, all sectors
reference
Sector 33
higher
← 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
21.5%
Return on assets
7.5%
Age of the figures
15 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 1303 sector peers (2025).
NBB · sector comparisonPosition among 1303 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
44 d early
2023
41 d early
2022
39 d early
2021
42 d early
2020
40 d early
2019
63 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€143k▲ 53.9%
2024 · €93k
2019: €8k
2020: €15k
2021: €34k
2022: €54k
2023: €67k
2024: €93k
2019 → 2025
Total assets
€664k▼ 4.2%
2024 · €693k
2019: €645k
2020: €834k
2021: €769k
2022: €800k
2023: €738k
2024: €693k
2019 → 2025
Net result
€50k▲ 96.0%
2024 · €26k
2019: €45k
2020: €7k
2021: €19k
2022: €20k
2023: €13k
2024: €26k
2019 → 2025
Working capital
€-86k▼ 8.9%
2024 · €-79k
2019: €48k
2020: €17k
2021: €-24k
2022: €-70k
2023: €-87k
2024: €-79k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€54k▲ 59.3%€67k▲ 24.0%€93k▲ 37.9%€143k▲ 53.9%
Operating result€35k-€38k▲ 10.1%€28k▼ 27.1%€47k▲ 67.5%€83k▲ 78.0%
Net result€19k-€20k▲ 7.0%€13k▼ 35.6%€26k▲ 96.1%€50k▲ 96.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 78% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €664k
Fixed assets
€660k▲ 1.2%
Current assets
€4k▼ 90.3%
Equity and liabilities €664k
Equity
€143k▲ 53.9%
Debt
€521k▼ 13.2%
The debt ratio falls from 86.6% to 78.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€122k▲
2024 · €79k
Cash flow
€89k▲
2024 · €58k
Solvency
21.5%▲
2024 · 13.4%
Current ratio
0.04▼
2024 · 0.34
Quick ratio
0.04▼
2024 · 0.34
Debt / equity
3.65▼
2024 · 6.46
ROE
35.0%▲
2024 · 27.5%
ROA
7.5%▲
2024 · 3.7%
Interest coverage
14.10▲
2024 · 9.18
Debt
€521k▼
2024 · €600k
Debt ≤ 1 year
€90k▼
2024 · €120k
Debt > 1 year
€431k▼
2024 · €480k
Income taxes
€24k▲
2024 · €13k
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€693k€664k▼
Fixed assets21/28€652k€660k▲
Tangible fixed assets22/27€652k€660k▲
Land and buildings22€634k€611k▼
Plant, machinery and equipment23-€4k
Furniture and vehicles24€4k€875▼
Leasing and similar rights25€11k€41k▲
Other tangible fixed assets26€2k€2k▼
Current assets29/58€41k€4k▼
Amounts receivable within one year40/41€20k€714▼
Trade receivables40€20k€714▼
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€20k€424▼
Equity and liabilities
Total equity and liabilities10/49€693k€664k▼
Equity10/15€93k€143k▲
Contributions10/11€20k€20k=
Reserves13€73k€123k▲
Distributable reserves133€73k€123k▲
Amounts payable17/49€600k€521k▼
Amounts payable after more than one year17€480k€431k▼
Financial debts170/4€405k€369k▼
Other amounts payable178/9€75k€62k▼
Amounts payable within one year42/48€120k€90k▼
Current portion of amounts payable after more than one year42€103k€72k▼
Financial debts43€3k€10k▲
Credit institutions430/8€3k€10k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€10k€6k▼
Taxes450/3€10k€6k▼
Other amounts payable47/48€570€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€39k▲
Other operating charges640/8€21k€11k▼
Gross operating margin9900€100k€134k▲
Operating profit (loss)9901€47k€83k▲
Financial charges65/66B€9k€9k▲
Recurring financial charges65€9k€9k▲
Profit (loss) for the period before taxes9903€38k€75k▲
Income taxes67/77€13k€24k▲
Profit (loss) for the period9904€26k€50k▲
Profit (loss) for the period to be appropriated9905€26k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€50k▲
Transfer to equity691/2€26k€50k▲
To other reserves6921€26k€50k▲
The notes to these accounts (12 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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €50k ▲96%
Operating result €83k, net result €50k, both a record.
30-06
Financial
Equity above €100kEq €143k ▲53.9%
7 profitable years in a row build equity to €143k.
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €7k ▼84.1%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
2019
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
21-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Celles (lez-Tournai) · 1 establishment unit since 2013
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.
Rue du Bus (VEL) 67760 Celles (lez-Tournai)Ground area
1,404 m²
Building footprint
137 m²
Volume, LiDAR
790 m³
Parcel 57083C0068/00C000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EXPERT-TECH
since 20132.222.808.052
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57083C0068/00C000 | Wallonia | 1,404 m² | 1 · 137 m² | 7.9 m · 2 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
HVE MECHANICS
BE 0757.537.831
Londerzeel · Eq €143k
JVB Services
BE 1019.635.492
Temse · Eq €143k
JD-Technics
BE 0713.569.216
Bornem · Eq €143k
WALLECAN TUINMACHINES
BE 0756.659.287
Wingene · Eq €143k
MARTIN SERVICE
BE 0479.215.731
Dalhem · Eq €142k
Of 3,714 companies in sector 33120 we hold annual accounts for 1,341. 1,141 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-2013
Fiscal year end30-06
Activities, NACEBEL
33120Repair and maintenance of machinery
47820Retail sale of motor vehicle parts and accessories
46620Wholesale of machine tools
46630Wholesale trade
46643Wholesale of electrical equipment, including installation materials
46644Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.