EXPERTIC
ActiveSummary
EXPERTIC has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €198,613 and a net result of €36,197. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 86% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability89▲+18
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 8.64 against 7.69 in 2024; short-term debt: 11.5% and cash: 19.4% of total assets), and 11.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
88.5%
Return on assets
16.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
7 d early
2023
6 d late
2022
3 d late
2021
2 d early
2020
25 d late
2019
25 d late
← 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 7 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close27-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€198,613▲ 16.5%
2024 · €170,416
Total assets
€224,515▲ 14.9%
2024 · €195,348
Net result
€36,197▲ 38.1%
2024 · €26,212
Working capital
€197,888▲ 18.7%
2024 · €166,743
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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
Line20212022202320242025
Operating result€59,431▲ 197%€62,997▲ 6.0%€46,887▼ 25.6%€34,000▼ 27.5%€46,429▲ 36.6%
Net result€42,039within the sector's middle half▲ 276%€46,304above the sector's middle half▲ 10.1%€34,012within the sector's middle half▼ 26.5%€26,212within the sector's middle half▼ 22.9%€36,197within the sector's middle half▲ 38.1%
Equity€90,789within the sector's middle half▲ 15.3%€125,092within the sector's middle half▲ 37.8%€149,004within the sector's middle half▲ 19.1%€170,416above the sector's middle half▲ 14.4%€198,613above the sector's middle half▲ 16.5%
Total assets€143,532within the sector's middle half▲ 51.2%€158,047within the sector's middle half▲ 10.1%€176,788within the sector's middle half▲ 11.9%€195,348within the sector's middle half▲ 10.5%€224,515within the sector's middle half▲ 14.9%
Debt€52,743▲ 226%€32,954▼ 37.5%€27,784▼ 15.7%€24,931▼ 10.3%€25,902▲ 3.9%
Working capital€88,871▲ 19.8%€125,010▲ 40.7%€148,922▲ 19.1%€166,743▲ 12.0%€197,888▲ 18.7%
Solvency63.3%within the sector's middle half▼ 19.7pp79.1%within the sector's middle half▲ 15.9pp84.3%above the sector's middle half▲ 5.1pp87.2%above the sector's middle half▲ 3.0pp88.5%above the sector's middle half▲ 1.2pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, 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
The operating result recovers in 2025; 2025 is 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224,515
Fixed assets
€725 ▼ 80.3%
Current assets
€223,790 ▲ 16.8%
Equity and liabilities €224,515
Equity
€198,613 ▲ 16.5%
Debt
€25,902 ▲ 3.9%
Debt's share of the balance-sheet total falls from 12.8% to 11.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46,686▲
2024 · €34,065
Cash flow
€36,453▲
2024 · €26,277
Current ratio
8.64▲
2024 · 7.69
Debt to equity
0.13▼
2024 · 0.15
ROE
18.2%▲
2024 · 15.4%
ROA
16.1%▲
2024 · 13.4%
Interest coverage
84.85▲
2024 · -45.43
Debt ≤ 1 year
€25,902▲
2024 · €24,931
Income taxes
€14,581▲
2024 · €11,220
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,672 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €10,382 | €0 | - | €7,269 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,666 | €0 | - | €65 | €256 | ▲ 295% |
| Other operating charges640/8 | - | €3,252 | €1,413 | €886 | €795 | ▼ 10.2% |
| Non-recurring operating charges66A | - | - | - | €110 | €58 | ▼ 47.3% |
| Gross operating margin9900 | €62,689 | €66,249 | €48,300 | €35,061 | €47,539 | ▲ 35.6% |
| Operating profit (loss)9901 | €59,431 | €62,997 | €46,887 | €34,000 | €46,429 | ▲ 36.6% |
| Financial income75/76B | - | €260 | €506 | €2,683 | €4,899 | ▲ 82.6% |
| Recurring financial income75 | €121 | €260 | €506 | €2,683 | €4,899 | ▲ 82.6% |
| Financial charges65/66B | - | -€690 | -€117 | -€750 | €550 | ▲ 173% |
| Recurring financial charges65 | -€1,697 | -€690 | -€117 | -€750 | €550 | ▲ 173% |
| Profit (loss) for the period before taxes9903 | €61,249 | €63,947 | €47,509 | €37,432 | €50,778 | ▲ 35.7% |
| Income taxes67/77 | €19,210 | €17,643 | €13,497 | €11,220 | €14,581 | ▲ 30.0% |
| Profit (loss) for the period9904 | €42,039 | €46,304 | €34,012 | €26,212 | €36,197 | ▲ 38.1% |
| Profit (loss) for the period to be appropriated9905 | €42,039 | €46,304 | €34,012 | €26,212 | €36,197 | ▲ 38.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €143,532 | €158,047 | €176,788 | €195,348 | €224,515 | ▲ 14.9% |
| Fixed assets21/28 | €1,917 | €82 | €82 | €3,673 | €725 | ▼ 80.3% |
| Tangible fixed assets22/27 | €1,835 | €0 | - | €3,591 | €725 | ▼ 79.8% |
| Furniture and vehicles24 | - | €0 | - | €3,591 | €725 | ▼ 79.8% |
| Financial fixed assets28 | €82 | €82 | €82 | €82 | €0 | ▼ 100% |
| Current assets29/58 | €141,614 | €157,964 | €176,705 | €191,674 | €223,790 | ▲ 16.8% |
| Amounts receivable after more than one year29 | - | - | €25,000 | €76,063 | €91,300 | ▲ 20.0% |
| Other amounts receivable291 | - | - | €25,000 | €76,063 | €91,300 | ▲ 20.0% |
| Amounts receivable within one year40/41 | €98,486 | €93,439 | €104,846 | €77,718 | €72,204 | ▼ 7.1% |
| Trade receivables40 | - | €90,496 | €101,948 | €75,320 | €60,084 | ▼ 20.2% |
| Other amounts receivable41 | - | €2,943 | €2,898 | €2,398 | €12,120 | ▲ 405% |
| Current investments50/53 | €9,735 | €11,187 | €12,171 | €13,655 | €16,055 | ▲ 17.6% |
| Cash at bank and in hand54/58 | €33,393 | €50,519 | €32,471 | €22,319 | €43,647 | ▲ 95.6% |
| Deferred charges and accrued income490/1 | - | €2,820 | €2,217 | €1,920 | €584 | ▼ 69.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €143,532 | €158,047 | €176,788 | €195,348 | €224,515 | ▲ 14.9% |
| Equity10/15 | €90,789 | €125,092 | €149,004 | €170,416 | €198,613 | ▲ 16.5% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €84,550 | €117,550 | €141,461 | €162,874 | €190,783 | ▲ 17.1% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €115,690 | €139,601 | €162,874 | €190,783 | ▲ 17.1% |
| Profit (loss) carried forward14 | €39 | €1,343 | €1,343 | €1,343 | €1,630 | ▲ 21.4% |
| Amounts payable17/49 | €52,743 | €32,954 | €27,784 | €24,931 | €25,902 | ▲ 3.9% |
| Amounts payable within one year42/48 | €52,743 | €32,954 | €27,784 | €24,931 | €25,902 | ▲ 3.9% |
| Trade debts44 | €2,431 | €2,988 | €4,743 | €8,529 | €3,921 | ▼ 54.0% |
| Suppliers440/4 | - | €2,988 | €4,743 | €8,529 | €3,921 | ▼ 54.0% |
| Taxes, remuneration and social security45 | - | €19,215 | €12,338 | €16,335 | €21,263 | ▲ 30.2% |
| Taxes450/3 | - | €18,403 | €11,560 | €13,499 | €19,754 | ▲ 46.3% |
| Remuneration and social security454/9 | - | €812 | €778 | €2,836 | €1,508 | ▼ 46.8% |
| Other amounts payable47/48 | - | €10,751 | €10,703 | €68 | €719 | ▲ 961% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €42,039 | €46,304 | €34,012 | €26,212 | €36,197 | ▲ 38.1% |
| + Depreciation and write-downs630 | €2,666 | €0 | - | €65 | €256 | ▲ 295% |
| Operating cash flow (approximation) | €44,704 | €46,304 | €34,012 | €26,277 | €36,453 | ▲ 38.7% |
| Investment in fixed assets (approximation) | - | €1,835 | €0 | -€3,656 | €2,692 | ▲ 174% |
| Change in cash | - | €17,126 | -€18,048 | -€10,152 | €21,328 | ▲ 310% |
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 2026, expected by
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €150,000Eq €170,416 ▲14.4%
5 profitable years in a row build equity to €170,416.
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
31-03
Financial
Highest result since 2019net €46,304 ▲10.1%
Operating result €62,997, net result €46,304, both a record.
31-03
Financial
Equity above €100,000Eq €125,092 ▲37.8%
3 profitable years in a row build equity to €125,092.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
31-03
Financial
Back to profitnet €11,189
Net result €11,189 after one loss-making year.
2019
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-08
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Nandrin · 1 establishment unit since 2007
Ground area
1,225 m²
Building footprint
104 m²
Parcel 61069D0233/00F000, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
EXPERTIC
since 20072.158.910.588
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61069D0233/00F000 | Wallonia | 1,225 m² | 1 · 104 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
2549001GUFA11UZMPN16
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T E CONSULT
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 14,782 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
Founded02-01-2007
Fiscal year end31-03
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0886042936
Registered
20-11-2020
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.