Equity
Equity rose in 2025 from €84,607 to €153,263.
Equity rose in 2025 from €84,607 to €153,263.
Short-term debts fell from €13,241 to €10,571.
Higher solvency than 92% of companies in computer programming and consultancy. Sector median 60.0% · 21,206 companies.
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 82% on profitability and 87% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 34,693 companies had the same profile as EXS CONSULT has now. Each dot stands for 87 companies, two years later.
That fits the bankruptcy probability of EXS CONSULT itself: < 0.1% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for EXS CONSULT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 15.55 (7.32 in 2024), above the usual 1.5. Short-term debt is 6.4% and cash 81.3% of total assets. 6.9% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 24 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| EXS CONSULT Temse | €164,544 | €99,941 | 93.1% | - |
| TWEEJEE Buggenhout | €177,952 | €104,524 | 47.6% | - |
| BLUEHIVE Oosterzele | €190,820 | €103,913 | 8.9% | - |
| EVOCO Mol | €160,368 | €105,931 | 82.6% | - |
| Software Directions Turnhout | €151,898 | €96,070 | 89.3% | - |
| Connectingdots Wingene | €163,706 | €95,387 | 44.0% | - |
| BACON Ranst | €177,704 | €103,645 | 10.5% | - |
These companies have the same main activity as EXS CONSULT: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €152,000 and €191,000, founded between 2012 and 2015.
EXS CONSULT files the micro format. That format states no turnover. The gross margin rose from €21,481 in 2014 to €99,941 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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