HAPPY EXPERTS
ActiveHAPPY EXPERTS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12k and a net result of €16k. Its solvency ranks better than 13% of 16935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +61 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency18▼-25
Growth78
Stability94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 0.95 in 2024), and 92.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
7.4%
Return on assets
9.9%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 16935 sector peers (2025).
NBB · sector comparisonPosition among 16935 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 2 filingsDeviation from the deadline
2025
21 d late
2024
13 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, micro schema
Equity
€12k
2024 · €-4k
2024: €-4k
2024 → 2025
Total assets
€157k▲ 92.6%
2024 · €82k
2024: €82k
2024 → 2025
Net result
€16k
2024 · €-10k
2024: €-10k
2024 → 2025
Working capital
€10k
2024 · €-4k
2024: €-4k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-4k-€12k
Operating result€-9k-€18k
Net result€-10k-€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €18k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €157k
Fixed assets
€2k▲ 391%
Current assets
€156k▲ 91.4%
Equity and liabilities €157k
Equity
€12k
Debt
€146k
Debt finances 92.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€18k▲
2024 · €-9k
Cash flow
€16k▲
2024 · €-10k
Solvency
7.4%▲
2024 · -4.7%
Current ratio
1.07▲
2024 · 0.95
Quick ratio
1.07▲
2024 · 0.95
Debt / equity
12.49▲
2024 · -22.26
ROE
132.9%▼
2024 · 256.0%
ROA
9.9%▲
2024 · -12.0%
Interest coverage
84.49▲
2024 · -39.37
Debt
€146k▲
2024 · €86k
Debt ≤ 1 year
€146k▲
2024 · €86k
Income taxes
€2k▲
2024 · €142
Staff costs
€71k▲
2024 · €68k
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€82k€157k▲
Fixed assets21/28€339€2k▲
Tangible fixed assets22/27€339€2k▲
Furniture and vehicles24€339€2k▲
Current assets29/58€81k€156k▲
Amounts receivable within one year40/41€63k€136k▲
Trade receivables40€53k€112k▲
Other amounts receivable41€10k€24k▲
Cash at bank and in hand54/58€14k€16k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€82k€157k▲
Equity10/15€-4k€12k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-10k€6k▲
Amounts payable17/49€86k€146k▲
Amounts payable within one year42/48€86k€146k▲
Trade debts44€48k€111k▲
Suppliers440/4€48k€111k▲
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€142€2k▲
Remuneration and social security454/9€9k€2k▼
Other amounts payable47/48€28k€30k▲
Income statement
Code20242025
Remuneration, social security and pensions62€68k€71k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€106€204▲
Gross operating margin9900€59k€89k▲
Operating profit (loss)9901€-9k€18k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€238€213▼
Recurring financial charges65€238€213▼
Profit (loss) for the period before taxes9903€-10k€18k▲
Income taxes67/77€142€2k▲
Profit (loss) for the period9904€-10k€16k▲
Profit (loss) for the period to be appropriated9905€-10k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€6k▲
Profit (loss) brought forward from the previous period14P-€-10k
The notes to these accounts (5 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Dilbeek · 1 establishment unit since 2023
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.
Kerkeveldstraat 141700 DilbeekGround area
79 m²
Building footprint
131 m²
Volume, LiDAR
1,088 m³
Parcel 23016E0054/00L002, Flanders · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HAPPY EXPERTS
since 20232.350.478.264
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016E0054/00L002 | Flanders | 79 m² | 1 · 131 m² | 14.2 m · 3 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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STOLAR
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Of 29,889 companies in sector 62200 we hold annual accounts for 18,318. 10,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-2023
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.