Expertise & Passion
ActiveExpertise & Passion is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €28k and a net result of €28k. Its solvency ranks better than 61% of 31662 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency92
Growth-
Track record50
Credit verdict
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.65; short-term debt: 32.9% of total assets), and 32.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
18 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€28k
Total assets
€42k
Net result
€28k
Working capital
€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €42k
Fixed assets
€5k
Current assets
€37k
Equity and liabilities €42k
Equity
€28k
Debt
€14k
Debt finances 32.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€41k
Cash flow
€31k
Solvency
67.1%
Current ratio
2.65
Quick ratio
1.25
Debt / equity
0.49
ROE
100.0%
ROA
67.1%
Debt
€14k
Debt ≤ 1 year
€14k
Income taxes
€11k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€42k
Fixed assets21/28€5k
Intangible fixed assets21€294
Tangible fixed assets22/27€5k
Plant, machinery and equipment23€624
Furniture and vehicles24€4k
Current assets29/58€37k
Stocks and contracts in progress3€19k
Stocks30/36€19k
Amounts receivable within one year40/41€17k
Other amounts receivable41€17k
Equity and liabilities
Total equity and liabilities10/49€42k
Equity10/15€28k
Reserves13€28k
Distributable reserves133€28k
Amounts payable17/49€14k
Amounts payable within one year42/48€14k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€11k
Taxes450/3€11k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k
Other operating charges640/8€4k
Gross operating margin9900€45k
Operating profit (loss)9901€38k
Financial income75/76B€824
Recurring financial income75€824
Profit (loss) for the period before taxes9903€39k
Income taxes67/77€11k
Profit (loss) for the period9904€28k
Profit (loss) for the period to be appropriated9905€28k
Appropriation of the result
Profit (loss) to be appropriated9906€28k
Transfer to equity691/2€28k
To other reserves6921€28k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
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, Gesves · 1 establishment unit since 2025
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 Grande Commune 315340 GesvesGround area
1,152 m²
Building footprint
121 m²
Parcel 92054B0481/00M002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Expertise & Passion
since 20252.382.617.433
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054B0481/00M002 | Wallonia | 1,152 m² | 1 · 121 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGesves2.382.617.433
Similar companies · same sector, comparable size
FRANA
BE 1010.872.533
Tournai · Eq €28k
KYMA
BE 0767.440.244
Saint-Ghislain · Eq €28k
DUCARME MANAGEMENT
BE 1011.201.343
Wezembeek-Oppem · Eq €28k
Verbiest Holdco
BE 1024.595.162
Tienen · Eq €28k
Nuala Morgan consulting
BE 1010.592.421
Vorst · Eq €28k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 33,963 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2025
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
46341Wholesale of wines and spirits
47120Other non-specialised retail sale
47252Retail sale of beverages, general range
85592Vocational training
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.