Summary
EXPERTEAM - D is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €69,779 and a net result of €18,117. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 48% of 134 sector peers (fiscal year 2026). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 01-04-2026 was due by 01-11-2026 and was filed on 08-09-2026, 54 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
54 d early
2025
53 d early
2024
45 d early
2023
56 d early
2022
18 d early
2021
54 d early
2020
61 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 49 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 01-04-2027 and is due by 01-11-2027. Nothing is late today. Usually files around 8 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today01-04-2027 close01-11-2027 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
€69,779▲ 35.1%
2025 · €51,662
Net result
€18,117▲ 315%
2025 · €4,367
Total assets
€114,622▲ 5.3%
2025 · €108,878
Solvency
60.9%▲ 13.4pp
2025 · 47.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€6,571▲ 184%€18,177▲ 177%€8,082▼ 55.5%€12,615▲ 56.1%€30,246▲ 140%
Net result€3,751below the sector's middle half▲ 728%€12,435within the sector's middle half▲ 232%€3,249below the sector's middle half▼ 73.9%€4,367within the sector's middle half▲ 34.4%€18,117▲ 315%
Equity€32,411below the sector's middle half▲ 13.1%€44,046within the sector's middle half▲ 35.9%€47,295within the sector's middle half▲ 7.4%€51,662within the sector's middle half▲ 9.2%€69,779▲ 35.1%
Total assets€69,088below the sector's middle half▼ 12.6%€78,776below the sector's middle half▲ 14.0%€106,324below the sector's middle half▲ 35.0%€108,878below the sector's middle half▲ 2.4%€114,622▲ 5.3%
Debt€36,677▼ 27.2%€34,730▼ 5.3%€59,029▲ 70.0%€57,216▼ 3.1%€44,843▼ 21.6%
Working capital€30,121within the sector's middle half▲ 14.4%€41,234within the sector's middle half▲ 36.9%€10,046within the sector's middle half▼ 75.6%€7,104within the sector's middle half▼ 29.3%€40,550▲ 471%
Solvency46.9%within the sector's middle half▲ 10.7pp55.9%within the sector's middle half▲ 9.0pp44.5%within the sector's middle half▼ 11.4pp47.4%within the sector's middle half▲ 3.0pp60.9%▲ 13.4pp
Current ratio1.82within the sector's middle half▲ 0.302.19within the sector's middle half▲ 0.371.17within the sector's middle half▼ 1.021.12within the sector's middle half▼ 0.051.90▲ 0.78
Return on assets (ROA)5.4%within the sector's middle half▲ 4.9pp15.8%within the sector's middle half▲ 10.4pp3.1%within the sector's middle half▼ 12.7pp4.0%within the sector's middle half▲ 1.0pp15.8%▲ 11.8pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 140% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €114,622
Fixed assets
€29,229 ▼ 34.4%
Current assets
€85,393 ▲ 32.8%
Equity and liabilities €114,622
Equity
€69,779 ▲ 35.1%
Debt
€44,843 ▼ 21.6%
Debt's share of the balance-sheet total falls from 52.6% to 39.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
26.0%▲
2025 · 8.5%
Debt ≤ 1 year
€44,843▼
2025 · €57,216
Income taxes
€9,731▲
2025 · €4,821
Staff costs
€3,033▼
2025 · €16,269
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €15,723 | €15,617 | €17,720 | €16,269 | €3,033 | ▼ 81.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,732 | €1,437 | €10,376 | €12,299 | €15,329 | ▲ 24.6% |
| Other operating charges640/8 | €593 | €661 | €1,970 | €1,461 | €1,274 | ▼ 12.8% |
| Gross operating margin9900 | €24,619 | €35,892 | €38,148 | €42,644 | €49,882 | ▲ 17.0% |
| Operating profit (loss)9901 | €6,571 | €18,177 | €8,082 | €12,615 | €30,246 | ▲ 140% |
| Financial income75/76B | €54 | €157 | - | - | - | - |
| Recurring financial income75 | €54 | €157 | - | - | - | - |
| Financial charges65/66B | €231 | €193 | €1,718 | €3,427 | €2,398 | ▼ 30.0% |
| Recurring financial charges65 | €231 | €193 | €1,718 | €3,427 | €2,398 | ▼ 30.0% |
| Profit (loss) for the period before taxes9903 | €6,394 | €18,141 | €6,364 | €9,188 | €27,848 | ▲ 203% |
| Income taxes67/77 | €2,643 | €5,706 | €3,115 | €4,821 | €9,731 | ▲ 102% |
| Profit (loss) for the period9904 | €3,751 | €12,435 | €3,249 | €4,367 | €18,117 | ▲ 315% |
| Profit (loss) for the period to be appropriated9905 | €3,751 | €12,435 | €3,249 | €4,367 | €18,117 | ▲ 315% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €69,088 | €78,776 | €106,324 | €108,878 | €114,622 | ▲ 5.3% |
| Fixed assets21/28 | €2,290 | €2,812 | €37,249 | €44,558 | €29,229 | ▼ 34.4% |
| Tangible fixed assets22/27 | €2,290 | €2,812 | €37,249 | €44,558 | €29,229 | ▼ 34.4% |
| Plant, machinery and equipment23 | €1,939 | €1,244 | €768 | €11,227 | €8,182 | ▼ 27.1% |
| Furniture and vehicles24 | €351 | €1,568 | €36,481 | €33,331 | €21,047 | ▼ 36.9% |
| Current assets29/58 | €66,798 | €75,964 | €69,075 | €64,320 | €85,393 | ▲ 32.8% |
| Amounts receivable within one year40/41 | €54,028 | €61,566 | €61,231 | €42,417 | €62,569 | ▲ 47.5% |
| Trade receivables40 | €51,673 | €61,566 | €59,331 | €42,267 | €62,569 | ▲ 48.0% |
| Other amounts receivable41 | €2,355 | - | €1,900 | €150 | - | - |
| Cash at bank and in hand54/58 | €12,632 | €14,254 | €7,213 | €21,539 | €22,438 | ▲ 4.2% |
| Deferred charges and accrued income490/1 | €138 | €144 | €631 | €364 | €386 | ▲ 6.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €69,088 | €78,776 | €106,324 | €108,878 | €114,622 | ▲ 5.3% |
| Equity10/15 | €32,411 | €44,046 | €47,295 | €51,662 | €69,779 | ▲ 35.1% |
| Contributions10/11 | €22,000 | €22,000 | €22,000 | €22,000 | €22,000 | = |
| Reserves13 | €5,600 | €15,600 | €18,600 | €22,500 | €37,500 | ▲ 66.7% |
| Non-distributable reserves130/1 | €2,200 | €2,200 | - | - | - | - |
| Reserves not available under the articles1311 | €2,200 | €2,200 | - | - | - | - |
| Distributable reserves133 | €3,400 | €13,400 | €18,600 | €22,500 | €37,500 | ▲ 66.7% |
| Profit (loss) carried forward14 | €4,811 | €6,446 | €6,695 | €7,162 | €10,279 | ▲ 43.5% |
| Amounts payable17/49 | €36,677 | €34,730 | €59,029 | €57,216 | €44,843 | ▼ 21.6% |
| Amounts payable within one year42/48 | €36,677 | €34,730 | €59,029 | €57,216 | €44,843 | ▼ 21.6% |
| Current portion of amounts payable after more than one year42 | €3,750 | €4,166 | €4,166 | €4,167 | €4,164 | ▼ 0.1% |
| Trade debts44 | €2,289 | €6,557 | €1,601 | €736 | €1,048 | ▲ 42.4% |
| Suppliers440/4 | €2,289 | €6,557 | €1,601 | €736 | €1,048 | ▲ 42.4% |
| Taxes, remuneration and social security45 | €10,975 | €15,930 | €9,830 | €15,124 | €11,008 | ▼ 27.2% |
| Taxes450/3 | €9,691 | €13,576 | €6,628 | €12,431 | €11,008 | ▼ 11.4% |
| Remuneration and social security454/9 | €1,284 | €2,354 | €3,202 | €2,693 | - | - |
| Other amounts payable47/48 | €19,663 | €8,077 | €43,432 | €37,189 | €28,623 | ▼ 23.0% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,751 | €12,435 | €3,249 | €4,367 | €18,117 | ▲ 315% |
| + Depreciation and write-downs630 | €1,732 | €1,437 | €10,376 | €12,299 | €15,329 | ▲ 24.6% |
| Operating cash flow (approximation) | €5,483 | €13,872 | €13,625 | €16,666 | €33,446 | ▲ 101% |
| Investment in fixed assets (approximation) | - | -€1,959 | -€44,813 | -€19,608 | €0 | ▲ 100% |
| Change in cash | - | €1,622 | -€7,041 | €14,326 | €899 | ▼ 93.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
08-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
01-04
Financial
Highest result since 2019net €18,117 ▲315%
Operating result €30,246, net result €18,117, both a record.
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
13-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
01-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
06-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
06-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Court-Saint-Etienne
Ground area
364 m²
Building footprint
73 m²
Volume, LiDAR
537 m³
Parcel 25023A0663/00M003, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023A0663/00M003 | Wallonia | 364 m² | 1 · 73 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 24,729 companies in sector 64210 we hold annual accounts for 19,800. 11,379 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded12-08-1998
Fiscal year end01-04
Activities, NACEBEL 2025
64210Activities of holding companies
69201Certified accountants and tax accountants
Contact
E-mail
martine.demey.expert@outlook.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0463978615
Registered
01-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.