GALTIER EXPERTISES
ActiveGALTIER EXPERTISES is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €296k and a net result of €545k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 22% of 711 sector peers (fiscal year 2025). The company has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 711 sector peers (2025).
NBB · sector comparisonPosition among 711 sector peers
Solvency
better than 22%
← weakest
strongest →
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
37 d early
2023
49 d early
2022
41 d early
2021
45 d early
2020
39 d early
2019
46 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€296k▼ 0.1%
2024 · €297k
2018: €297k
2019: €297k
2020: €297k
2021: €297k
2022: €297k
2023: €297k
2024: €297k
2018 → 2025
Net result
€545k▲ 217%
2024 · €172k
2018: €372k
2019: €308k
2020: €217k
2021: €849k
2022: €1.01M
2023: €579k
2024: €172k
2018 → 2025
Total assets
€2.34M▲ 23.3%
2024 · €1.90M
2018: €1.82M
2019: €1.76M
2020: €1.92M
2021: €3.61M
2022: €3.03M
2023: €2.66M
2024: €1.90M
2018 → 2025
Solvency
12.6%▼ 3.0pp
2024 · 15.6%
2018: 16.4%
2019: 16.9%
2020: 15.5%
2021: 8.2%
2022: 9.8%
2023: 11.2%
2024: 15.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€297k-€297k▲ 0.1%€297k=€297k▼ 0.3%€296k▼ 0.1%
Operating result€1.16M-€1.37M▲ 18.4%€803k▼ 41.4%€250k▼ 68.9%€762k▲ 205%
Net result€849k-€1.01M▲ 19.4%€579k▼ 42.9%€172k▼ 70.3%€545k▲ 217%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 205% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.34M
Fixed assets
€209k▲ 1.8%
Current assets
€2.13M▲ 26.0%
Equity and liabilities €2.34M
Equity
€296k▼ 0.1%
Debt
€2.05M▲ 27.7%
The debt ratio rises from 84.4% to 87.4%: debt grows while equity shrinks.
Key figures and ratios
Solvency
12.6%▼
2024 · 15.6%
ROE
184.0%▲
2024 · 58.0%
ROA
23.3%▲
2024 · 9.0%
Debt
€2.05M▲
2024 · €1.60M
Debt ≤ 1 year
€1.95M▲
2024 · €1.51M
Debt > 1 year
€100k▲
2024 · €96k
Income taxes
€216k▲
2024 · €90k
Staff costs
€1.70M▼
2024 · €1.90M
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.90M€2.34M▲
Fixed assets21/28€206k€209k▲
Intangible fixed assets21€3k€48▼
Tangible fixed assets22/27€203k€209k▲
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€155k€169k▲
Other tangible fixed assets26€43k€36k▼
Financial fixed assets28€72€72=
Current assets29/58€1.69M€2.13M▲
Stocks and contracts in progress3€3k€4k▲
Stocks30/36€1k€1k=
Contracts in progress37€2k€3k▲
Amounts receivable within one year40/41€1.46M€1.56M▲
Trade receivables40€1.40M€1.54M▲
Other amounts receivable41€66k€14k▼
Cash at bank and in hand54/58€193k€542k▲
Deferred charges and accrued income490/1€36k€31k▼
Equity and liabilities
Total equity and liabilities10/49€1.90M€2.34M▲
Equity10/15€297k€296k▼
Contributions10/11€214k€214k=
Capital10€214k€214k=
Issued capital100€214k€214k=
Reserves13€83k€83k▼
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Distributable reserves133€61k€61k▼
Amounts payable17/49€1.60M€2.05M▲
Amounts payable after more than one year17€96k€100k▲
Financial debts170/4€96k€100k▲
Amounts payable within one year42/48€1.51M€1.95M▲
Current portion of amounts payable after more than one year42€43k€50k▲
Financial debts43€246k€150k▼
Credit institutions430/8€246k€150k▼
Trade debts44€733k€826k▲
Suppliers440/4€733k€826k▲
Taxes, remuneration and social security45€301k€376k▲
Taxes450/3€88k€142k▲
Remuneration and social security454/9€213k€235k▲
Other amounts payable47/48€184k€545k▲
Accrued charges and deferred income492/3€425€397▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.90M€1.70M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€67k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-37k€11k▲
Other operating charges640/8€95k€48k▼
Gross operating margin9900€2.25M€2.59M▲
Operating profit (loss)9901€250k€762k▲
Financial income75/76B€28k€14k▼
Recurring financial income75€28k€14k▼
Financial charges65/66B€16k€15k▼
Recurring financial charges65€16k€15k▼
Profit (loss) for the period before taxes9903€262k€761k▲
Income taxes67/77€90k€216k▲
Profit (loss) for the period9904€172k€545k▲
Profit (loss) for the period to be appropriated9905€172k€545k▲
Appropriation of the result
Profit (loss) to be appropriated9906€172k€545k▲
Transfer from equity791/2€766€214▼
Profit to be distributed694/7€173k€545k▲
Return on contributions (dividend)694€173k€545k▲
Social balance
Average headcount (FTE)908718.317.5▼
The notes to these accounts (18 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €172k ▼70.3%
Net result drops to €172k, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €1.01M ▲19.4%
Operating result €1.37M, net result €1.01M, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
07-07
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.
Directors · office · real estate
Directors
15 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, Sint-Pieters-Woluwe · 2 establishment units since 1985
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.
Tervurenlaan 1641150 Sint-Pieters-WoluweGround area
1.5 ha
Building footprint
3,913 m²
Volume, LiDAR
38,483 m³
2 parcels, Brussels, Flanders · tallest building 28.3 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
GALTIER EXPERTISES
since 19852.028.944.446
GALTIER EXPERTISES
since 20152.263.736.906
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44062D0392/00W000 | Flanders | 1.4 ha | 1 · 3,744 m² | 13.9 m · 3 fl. |
| 21019A0206/00C003 | Brussels | 589 m² | 1 · 169 m² | 28.3 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 850 companies in sector 66210 we hold annual accounts for 511. 408 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-12-1985
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
67202
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.