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TEAM EXPERTS

Active
Private limited company·Activiteiten van risicoanalisten en schadetaxateurs· 2 yrs active
Rue des Pieds d'Alouette(NN) 39 ·5100 Namur, Belgium
KBO/BCE: BE 1002.965.548
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age2 yrs
Staff (FTE)1.8
Real estate1 parcel · 3.1 ha

Summary

Conclusion

the dossier summarised in one paragraph

TEAM EXPERTS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €83k and a net result of €63k. Its solvency ranks better than 58% of 768 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 25-07-2025 6 d early 2025-00307086

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€83k
Net result€63k
Total assets€169k
Solvency48.8%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 25-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 48.8% 38.7%
better than 58% of 768 sector peers
Net result €63k €28k
better than 73% of 767 sector peers
Equity €83k €63k
better than 58% of 768 sector peers
Gross operating margin €178k €67k
better than 77% of 765 sector peers
Staff costs €80k €63k
higher than 57% of 268 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€63k
Cash flown/a
Staff costs€80k
Income taxes€18k
Dividends-
Total assets€169k
Equity€83k
Debt€86k
of which ≤ 1y€62k
of which > 1y€24k
Working capitaln/a
Employees (FTE)1.8
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency48.8%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA37.0%
ROE75.8%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€169k
Fixed assets 21/28€37k
Tangible fixed assets 22/27€37k
Current assets 29/58€132k
Amounts receivable within one year 40/41€83k
Cash & bank 54/58€46k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€169k
Equity 10/15€83k
Contributions / capital 10/11€20k
Accumulated profits (losses) 14€63k
Amounts payable 17/49€86k
Amounts payable after one year 17€24k
Amounts payable within one year 42/48€62k
Trade debts payable within one year 44€10k
Income statement
Gross operating margin 9900€178k
Operating result 9901€82k
Financial income 75€19
Financial charges 65€1k
Result before taxes 9903€81k
Income taxes 67/77€18k
Net result for the period 9904€63k
Result to be appropriated 9905€63k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap

Establishment units

1 location
Team Experts
Rue des Pieds d'Alouette(NN) 39, 5100 NamurActiviteiten van risicoanalisten en schadetaxateurs
since 20232.352.768.058
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3.1 ha
Buildings1
Building footprint1.3 ha
Volume (LiDAR)111,297 m³
Tallest building13.2 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92095B0011/00M003 Wallonia 3.1 ha 1 · 1.3 ha 13.2 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts
All acts · 1 updated 2 years ago
2024
17-04-2024 Discharge granted to the board Director changes

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability100Solvency94Growth-Stability67
87 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 94
Growth -
Stability 67

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 104 of the 854 companies in this sector. 85 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Risicoanalisten en schadetaxateurs66210Activiteiten van risicoanalisten en schadetaxateurs66210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Opsporings- en particuliere beveiligingsdiensten80010Opsporingsdiensten80300
Primary activity highlighted.
Names & trade names
Legal nameFR TEAM EXPERTS
Registered office
Rue des Pieds d'Alouette(NN) 39
5100 Namur, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.