Expertium
ActiveExpertium has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €307k and a net result of €55k. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 83% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
90
/ 100
Excellent▼ -10 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▼-3
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days only on tighter terms
Liquidity ample (current ratio 6.66 against 5.7 in 2023), and 13.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
Sector 62
lower
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
86.4%
Return on assets
15.5%
Age of the figures
27 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 227 days later.
NBB · 10 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline15-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 04-02-2025, 4 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 · 10 filingsDeviation from the deadline
2025
not filed
2024
4 d late
2023
on the day
2022
150 d late
2021
on the day
2020
on the day
2019
1 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€307k▼ 2.0%
2023 · €313k
2019: €137k
2020: €171k
2021: €247k
2022: €255k
2023: €313k
2019 → 2024
Total assets
€355k▼ 9.8%
2023 · €394k
2019: €164k
2020: €223k
2021: €378k
2022: €357k
2023: €394k
2019 → 2024
Net result
€55k▼ 5.2%
2023 · €58k
2019: €40k
2020: €54k
2021: €87k
2022: €29k
2023: €58k
2019 → 2024
Working capital
€273k▼ 3.1%
2023 · €281k
2019: €59k
2020: €148k
2021: €207k
2022: €232k
2023: €281k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€171k-€247k▲ 44.0%€255k▲ 3.4%€313k▲ 22.8%€307k▼ 2.0%
Operating result€72k-€120k▲ 65.4%€48k▼ 59.6%€77k▲ 59.3%€77k▲ 0.4%
Net result€54k-€87k▲ 61.6%€29k▼ 67.3%€58k▲ 103%€55k▼ 5.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 0% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €355k
Fixed assets
€34k▼ 34.5%
Current assets
€321k▼ 5.9%
Equity and liabilities €355k
Equity
€307k▼ 2.0%
Debt
€48k▼ 40.0%
The debt ratio falls from 20.4% to 13.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€95k▼
2023 · €102k
Cash flow
€73k▼
2023 · €83k
Solvency
86.4%▲
2023 · 79.6%
Current ratio
6.66▲
2023 · 5.70
Quick ratio
6.66▲
2023 · 5.70
Debt / equity
0.16▼
2023 · 0.26
ROE
17.9%▼
2023 · 18.6%
ROA
15.5%▲
2023 · 14.8%
Interest coverage
100.55▼
2023 · 119.14
Debt
€48k▼
2023 · €80k
Debt ≤ 1 year
€48k▼
2023 · €60k
Income taxes
€22k▼
2023 · €24k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€394k€355k▼
Fixed assets21/28€53k€34k▼
Tangible fixed assets22/27€52k€34k▼
Plant, machinery and equipment23€928€384▼
Furniture and vehicles24€52k€34k▼
Financial fixed assets28€45€45=
Current assets29/58€341k€321k▼
Amounts receivable within one year40/41€35k€37k▲
Trade receivables40€23k€25k▲
Other amounts receivable41€12k€12k▲
Current investments50/53€110k€110k=
Cash at bank and in hand54/58€191k€168k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€394k€355k▼
Equity10/15€313k€307k▼
Contributions10/11€12k€19k▲
Reserves13€301k€289k▼
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€299k€289k▼
Amounts payable17/49€80k€48k▼
Amounts payable after more than one year17€20k-
Financial debts170/4€20k-
Amounts payable within one year42/48€60k€48k▼
Current portion of amounts payable after more than one year42€22k€22k▲
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€16k€17k▲
Taxes450/3€16k€15k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€15k€382▼
Accrued charges and deferred income492/3€44-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€18k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€106k€100k▼
Operating profit (loss)9901€77k€77k▲
Financial income75/76B€6k€1k▼
Recurring financial income75€6k€1k▼
Financial charges65/66B€854€949▲
Recurring financial charges65€854€949▲
Profit (loss) for the period before taxes9903€82k€78k▼
Income taxes67/77€24k€22k▼
Profit (loss) for the period9904€58k€55k▼
Profit (loss) for the period to be appropriated9905€58k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€55k▼
Transfer from equity791/2-€68k
Transfer to equity691/2€58k€55k▼
To other reserves6921€58k€55k▼
Profit to be distributed694/7-€68k
Return on contributions (dividend)694-€68k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 150 days late
2022
30-06
Financial
Weakest financial yearnet €29k ▼67.3%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €87k ▲61.6%
Operating result €120k, net result €87k, both a record.
30-06
Financial
Equity above €200kEq €247k ▲44%
3 profitable years in a row build equity to €247k.
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €150kEq €171k ▲24.9%
2 profitable years in a row build equity to €171k.
01-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 1 day late
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
11-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
15-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Lokeren · 1 establishment unit since 2011
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.
Everslaarstraat 199160 LokerenGround area
1,056 m²
Building footprint
177 m²
Volume, LiDAR
929 m³
Parcel 46382B0140/00K000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Expertium
since 20112.199.154.405
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46382B0140/00K000 | Flanders | 1,056 m² | 1 · 177 m² | 7.0 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
A1 CONSULTING
BE 0897.479.830
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QUADRANT COMMUNICATIONS
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Gent · Eq €307k
B - SMART
BE 0475.086.501
Lint · Eq €307k
ERVACON
BE 0475.683.644
Bierbeek · Eq €307k
Faktion
BE 0841.205.774
Antwerpen · Eq €308k
Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 13,632 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-2011
Fiscal year end30-06
Activities, NACEBEL
62030Computer programming, consultancy and related activities
62200Computer consultancy and computer facilities management
62020IT consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.