Expertise & Consultancy
ActiveSummary
The computed 12-month bankruptcy probability of Expertise & Consultancy is 2.0% (moderate). The 2025 annual accounts show equity of €468k and a net result of €119k. Equity is growing by ~51% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
67
/ 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
Profitability88=
Solvency85▲+16
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.08 in 2024; short-term debt: 39.5% and cash: 3.3% of total assets), and 39.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
60.5%
Return on assets
15.3%
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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
8 d early
2023
7 d early
2022
24 d early
2021
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€468k▲ 33.9%
2024 · €350k
2021: €16k
2022: €114k
2023: €229k
2024: €350k
2021 → 2025
Total assets
€774k▼ 2.9%
2024 · €797k
2021: €832k
2022: €980k
2023: €835k
2024: €797k
2021 → 2025
Net result
€119k▼ 1.3%
2024 · €120k
2021: €14k
2022: €98k
2023: €116k
2024: €120k
2021 → 2025
Working capital
€-280k▲ 17.4%
2024 · €-339k
2021: €-375k
2022: €-311k
2023: €-383k
2024: €-339k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€114k▲ 622%€229k▲ 102%€350k▲ 52.5%€468k▲ 33.9%
Operating result€31k-€143k▲ 364%€160k▲ 11.9%€162k▲ 1.2%€162k▲ 0.3%
Net result€14k-€98k▲ 612%€116k▲ 18.2%€120k▲ 4.0%€119k▼ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 0% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €774k
Fixed assets
€749k ▼ 2.7%
Current assets
€25k ▼ 10.8%
Equity and liabilities €774k
Equity
€468k ▲ 33.9%
Debt
€306k ▼ 31.7%
Debt's share of the balance-sheet total falls from 56.2% to 39.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€183k▲
2024 · €182k
Cash flow
€139k▼
2024 · €141k
Current ratio
0.08▲
2024 · 0.08
Debt to equity
0.65▼
2024 · 1.28
ROE
25.3%▼
2024 · 34.4%
ROA
15.3%▲
2024 · 15.1%
Interest coverage
54.71▲
2024 · 24.69
Debt ≤ 1 year
€306k▼
2024 · €368k
Income taxes
€40k▲
2024 · €34k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€797k€774k▼
Fixed assets21/28€769k€749k▼
Tangible fixed assets22/27€769k€749k▼
Land and buildings22€769k€749k▼
Current assets29/58€28k€25k▼
Cash at bank and in hand54/58€28k€25k▼
Equity and liabilities
Total equity and liabilities10/49€797k€774k▼
Equity10/15€350k€468k▲
Contributions10/11€2k€2k=
Reserves13€348k€466k▲
Distributable reserves133€348k€466k▲
Amounts payable17/49€448k€306k▼
Amounts payable within one year42/48€368k€306k▼
Financial debts43€18k€28k▲
Other loans439€18k€28k▲
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€346k€271k▼
Accrued charges and deferred income492/3€80k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k=
Gross operating margin9900€182k€183k▲
Operating profit (loss)9901€162k€162k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€7k€3k▼
Recurring financial charges65€7k€3k▼
Profit (loss) for the period before taxes9903€155k€159k▲
Income taxes67/77€34k€40k▲
Profit (loss) for the period9904€120k€119k▼
Profit (loss) for the period to be appropriated9905€120k€119k▼
Appropriation of the result
Profit (loss) to be appropriated9906€120k€119k▼
Transfer to equity691/2€120k€119k▼
To other reserves6921€120k€119k▼
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
07-08
State Gazette act
RestructuringMerger · Accounting effect · Capital4 facts ▸
State Gazette act
Restructuring
Merger · Accounting effect · Capital4 facts ▸
- Merger, Kids
- Accounting effect, 1 juni 2026
- Capital, €69.500
- Capital, €2.000
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €120k ▲4%
Net result €120k, the highest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €229k ▲102%
3 profitable years in a row build equity to €229k.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €114k ▲622%
2 profitable years in a row build equity to €114k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB 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 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Herent
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.
Brusselsesteenweg 103020 HerentGround area
8,437 m²
Building footprint
3,417 m²
Volume, LiDAR
19,084 m³
Parcel 24423I0057/00Z002, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423I0057/00Z002 | Flanders | 8,437 m² | 1 · 3,417 m² | 7.6 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.
Structure & network
Acquisitions and mergers
1 transactionTaken over by:Kids
Capital and shareholders
Capital over the years
- 07-08-2026 Capital stated in the act · 2,000 EUR · 100 shares
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2020
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.