HAD IT Expert
ActiveHAD IT Expert has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €7k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 61% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+33
Solvency95▲+50
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.74 against 1.53 in 2024; short-term debt: 24.8% and cash: 49.9% of total assets), and 30% 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 →
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
21 d early
2023
78 d early
2022
19 d early
2021
49 d early
2020
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▲ 83.1%
2024 · €9k
2020: €6k
2021: €10k
2022: €20k
2023: €30k
2024: €9k
2020 → 2025
Total assets
€23k▼ 48.0%
2024 · €45k
2020: €44k
2021: €43k
2022: €43k
2023: €40k
2024: €45k
2020 → 2025
Net result
€7k
2024 · €-659
2020: €5k
2021: €5k
2022: €10k
2023: €10k
2024: €-659
2020 → 2025
Working capital
€10k▼ 4.6%
2024 · €11k
2020: €-2k
2021: €12k
2022: €12k
2023: €24k
2024: €11k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€20k▲ 95.2%€30k▲ 49.0%€9k▼ 69.8%€16k▲ 83.1%
Operating result€9k-€16k▲ 65.3%€15k▼ 4.2%€2k▼ 90.0%€11k▲ 636%
Net result€5k-€10k▲ 114%€10k▲ 0.5%€-659€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 636% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€7k▼ 48.7%
Current assets
€16k▼ 47.7%
Equity and liabilities €23k
Equity
€16k▲ 83.1%
Debt
€7k▼ 80.5%
The debt ratio falls from 80.1% to 30.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €3k
Cash flow
€11k▲
2024 · €857
Solvency
70.0%▲
2024 · 19.9%
Current ratio
2.74▲
2024 · 1.53
Quick ratio
2.74▲
2024 · 1.53
Debt / equity
0.43▼
2024 · 4.04
ROE
45.4%▲
2024 · -7.4%
ROA
31.7%▲
2024 · -1.5%
Interest coverage
118.08▲
2024 · 6.91
Debt
€7k▼
2024 · €36k
Debt ≤ 1 year
€6k▼
2024 · €20k
Income taxes
€3k▲
2024 · €2k
Staff costs
€44k▲
2024 · €40k
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€45k€23k▼
Fixed assets21/28€15k€7k▼
Tangible fixed assets22/27€15k€7k▼
Furniture and vehicles24€15k€7k▼
Current assets29/58€30k€16k▼
Amounts receivable within one year40/41€27k€4k▼
Trade receivables40€27k€1k▼
Other amounts receivable41€276€3k▲
Cash at bank and in hand54/58€3k€12k▲
Deferred charges and accrued income490/1€729€424▼
Equity and liabilities
Total equity and liabilities10/49€45k€23k▼
Equity10/15€9k€16k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€8k€15k▲
Amounts payable17/49€36k€7k▼
Amounts payable after more than one year17€15k-
Financial debts170/4€15k-
Amounts payable within one year42/48€20k€6k▼
Trade debts44€5k€1k▼
Suppliers440/4€5k€1k▼
Taxes, remuneration and social security45€11k€4k▼
Taxes450/3€6k€4k▼
Remuneration and social security454/9€5k-
Other amounts payable47/48€3k-
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Remuneration, social security and pensions62€40k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€856€1k▲
Gross operating margin9900€44k€60k▲
Operating profit (loss)9901€2k€11k▲
Financial charges65/66B€436€125▼
Recurring financial charges65€436€125▼
Profit (loss) for the period before taxes9903€1k€11k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€-659€7k▲
Profit (loss) for the period to be appropriated9905€-659€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€15k▼
Profit (loss) brought forward from the previous period14P€29k€8k▼
Profit to be distributed694/7€20k-
Return on contributions (dividend)694€20k-
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
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €-659 ▼107%
Net result drops to €-659, the lowest in the series; recovery starts the following year.
2023
14-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2020net €10k ▲0.5%
Net result €10k, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 3.48
Current ratio from 1.55 to 3.48; short-term debt falls from €23k to €10k.
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 1.97
Current ratio from 0.86 to 1.97; short-term debt falls from €18k to €12k.
25-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Schaarbeek · 1 establishment unit since 2019
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.
François Bossaertsstraat 11030 SchaarbeekGround area
121 m²
Building footprint
78 m²
Volume, LiDAR
1,203 m³
Parcel 21906D0050/00E004, Brussels · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
HAD IT Expert
since 20192.290.387.655
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0050/00E004 | Brussels | 121 m² | 1 · 78 m² | 18.4 m · 5 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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 12,116 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2019
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress 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.