Sales-Com Xpert
ActiveSales-Com Xpert has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €30k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 91% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+8
Solvency100▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 11.47 against 2.09 in 2024; short-term debt: 8.7% and cash: 65.4% of total assets), and 8.7% 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 · 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
91.3%
Return on assets
28.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 08-06-2026, 53 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
53 d early
2024
48 d early
2023
41 d early
2022
39 d early
2021
34 d early
2020
13 d late
2019
4 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 44.4%
2024 · €67k
2018: €49k
2019: €71k
2020: €71k
2021: €71k
2022: €78k
2023: €64k
2024: €67k
2018 → 2025
Total assets
€106k▼ 16.9%
2024 · €127k
2018: €83k
2019: €97k
2020: €89k
2021: €96k
2022: €103k
2023: €96k
2024: €127k
2018 → 2025
Net result
€30k▲ 29.3%
2024 · €24k
2018: €23k
2019: €23k
2020: €17k
2021: €20k
2022: €22k
2023: €27k
2024: €24k
2018 → 2025
Working capital
€96k▲ 46.2%
2024 · €66k
2018: €41k
2019: €64k
2020: €70k
2021: €71k
2022: €77k
2023: €62k
2024: €66k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€78k▲ 8.7%€64k▼ 17.3%€67k▲ 4.0%€96k▲ 44.4%
Operating result€29k-€32k▲ 8.9%€38k▲ 18.3%€37k▼ 2.2%€46k▲ 23.0%
Net result€20k-€22k▲ 8.0%€27k▲ 22.0%€24k▼ 11.9%€30k▲ 29.3%
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 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€384▼ 65.6%
Current assets
€105k▼ 16.5%
Equity and liabilities €106k
Equity
€96k▲ 44.4%
Debt
€9k▼ 84.8%
The debt ratio falls from 47.4% to 8.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46k▲
2024 · €38k
Cash flow
€31k▲
2024 · €25k
Solvency
91.3%▲
2024 · 52.6%
Current ratio
11.47▲
2024 · 2.09
Quick ratio
11.47▲
2024 · 2.09
Debt / equity
0.10▼
2024 · 0.90
ROE
31.6%▼
2024 · 35.3%
ROA
28.9%▲
2024 · 18.5%
Interest coverage
14.36▲
2024 · 12.18
Debt
€9k▼
2024 · €60k
Debt ≤ 1 year
€9k▼
2024 · €60k
Income taxes
€12k▲
2024 · €10k
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€127k€106k▼
Fixed assets21/28€1k€384▼
Tangible fixed assets22/27€1k€354▼
Furniture and vehicles24€1k€354▼
Financial fixed assets28€30€30=
Current assets29/58€126k€105k▼
Amounts receivable within one year40/41€52k€27k▼
Trade receivables40€52k€27k▼
Other amounts receivable41€3€3=
Cash at bank and in hand54/58€60k€69k▲
Deferred charges and accrued income490/1€14k€10k▼
Equity and liabilities
Total equity and liabilities10/49€127k€106k▼
Equity10/15€67k€96k▲
Contributions10/11€19k€19k=
Reserves13€48k€78k▲
Distributable reserves133€48k€78k▲
Amounts payable17/49€60k€9k▼
Amounts payable within one year42/48€60k€9k▼
Trade debts44€33k€2k▼
Suppliers440/4€33k€2k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Other amounts payable47/48€22k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€732▼
Other operating charges640/8€5k€536▼
Gross operating margin9900€44k€47k▲
Operating profit (loss)9901€37k€46k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€34k€42k▲
Income taxes67/77€10k€12k▲
Profit (loss) for the period9904€24k€30k▲
Profit (loss) for the period to be appropriated9905€24k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€30k▲
Transfer from equity791/2€21k-
Transfer to equity691/2€24k€30k▲
To other reserves6921€24k€30k▲
Profit to be distributed694/7€21k€833▼
Return on contributions (dividend)694€21k€833▼
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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €30k ▲29.3%
Operating result €46k, net result €30k, both a record.
31-12
Financial
Liquidity times 5current ratio 11.47
Current ratio from 2.09 to 11.47; short-term debt falls from €60k to €9k.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Weakest financial yearnet €17k ▼28.3%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Silly · 1 establishment unit since 2017
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.
Rue Haute Bourlotte(Hoves) 207830 SillyGround area
1,180 m²
Building footprint
130 m²
Volume, LiDAR
715 m³
Parcel 55021A0606/00H000, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Haute Bourlotte(Hoves) 20, 7830 Silly
since 20172.262.486.594
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55021A0606/00H000 | Wallonia | 1,180 m² | 1 · 130 m² | 7.3 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.
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,977 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-03-2017
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.