Summary
TEXPERT 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 €186,502 and a net result of €32,911. Equity is growing by ~31.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 8074 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 d early
2024
29 d early
2023
134 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 60 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€186,502▲ 21.4%
2024 · €153,590
Net result
€32,911▼ 47.4%
2024 · €62,546
Total assets
€198,294▼ 5.6%
2024 · €210,081
Solvency
94.1%▲ 20.9pp
2024 · 73.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€112,980-€81,544▼ 27.8%€41,666▼ 48.9%
Net result€88,545above the sector's middle half-€62,546within the sector's middle half▼ 29.4%€32,911within the sector's middle half▼ 47.4%
Equity€91,045within the sector's middle half-€153,590within the sector's middle half▲ 68.7%€186,502within the sector's middle half▲ 21.4%
Total assets€148,713within the sector's middle half-€210,081within the sector's middle half▲ 41.3%€198,294within the sector's middle half▼ 5.6%
Debt€57,668-€56,491▼ 2.0%€11,792▼ 79.1%
Working capital€77,779-€143,450▲ 84.4%€135,460▼ 5.6%
Solvency61.2%within the sector's middle half-73.1%within the sector's middle half▲ 11.9pp94.1%above the sector's middle half▲ 20.9pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 49% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198,294
Fixed assets
€51,041 ▲ 403%
Current assets
€147,253 ▼ 26.4%
Equity and liabilities €198,294
Equity
€186,502 ▲ 21.4%
Debt
€11,792 ▼ 79.1%
Debt's share of the balance-sheet total falls from 26.9% to 5.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
17.6%▼
2024 · 40.7%
ROA
16.6%▼
2024 · 29.8%
Debt ≤ 1 year
€11,792▼
2024 · €56,491
Income taxes
€7,930▼
2024 · €16,596
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €338 | €290 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,953 | €4,040 | €9,608 | ▲ 138% |
| Other operating charges640/8 | €112 | €323 | €659 | ▲ 104% |
| Gross operating margin9900 | €118,383 | €86,197 | €51,933 | ▼ 39.8% |
| Operating profit (loss)9901 | €112,980 | €81,544 | €41,666 | ▼ 48.9% |
| Financial income75/76B | €653 | €12 | €1,502 | ▲ 12,717% |
| Recurring financial income75 | €653 | €12 | €1,502 | ▲ 12,717% |
| Financial charges65/66B | €1,197 | €2,414 | €2,327 | ▼ 3.6% |
| Recurring financial charges65 | €1,197 | €2,414 | €2,327 | ▼ 3.6% |
| Profit (loss) for the period before taxes9903 | €112,435 | €79,142 | €40,841 | ▼ 48.4% |
| Income taxes67/77 | €23,891 | €16,596 | €7,930 | ▼ 52.2% |
| Profit (loss) for the period9904 | €88,545 | €62,546 | €32,911 | ▼ 47.4% |
| Profit (loss) for the period to be appropriated9905 | €88,545 | €62,546 | €32,911 | ▼ 47.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €148,713 | €210,081 | €198,294 | ▼ 5.6% |
| Formation expenses20 | €234 | €0 | €0 | - |
| Fixed assets21/28 | €13,046 | €10,140 | €51,041 | ▲ 403% |
| Tangible fixed assets22/27 | €13,046 | €10,140 | €51,041 | ▲ 403% |
| Plant, machinery and equipment23 | €2,523 | €2,133 | €1,776 | ▼ 16.7% |
| Furniture and vehicles24 | €10,523 | €8,007 | €49,265 | ▲ 515% |
| Current assets29/58 | €135,433 | €199,941 | €147,253 | ▼ 26.4% |
| Amounts receivable within one year40/41 | €61,757 | €100,092 | €40,387 | ▼ 59.6% |
| Trade receivables40 | €36,580 | €72,256 | €13,373 | ▼ 81.5% |
| Other amounts receivable41 | €25,176 | €27,835 | €27,014 | ▼ 2.9% |
| Cash at bank and in hand54/58 | €73,263 | €99,850 | €105,356 | ▲ 5.5% |
| Deferred charges and accrued income490/1 | €413 | - | €1,510 | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €148,713 | €210,081 | €198,294 | ▼ 5.6% |
| Equity10/15 | €91,045 | €153,590 | €186,502 | ▲ 21.4% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | = |
| Reserves13 | €88,545 | €151,090 | €184,002 | ▲ 21.8% |
| Distributable reserves133 | €88,545 | €151,090 | €184,002 | ▲ 21.8% |
| Amounts payable17/49 | €57,668 | €56,491 | €11,792 | ▼ 79.1% |
| Amounts payable within one year42/48 | €57,654 | €56,491 | €11,792 | ▼ 79.1% |
| Financial debts43 | - | - | €786 | - |
| Credit institutions430/8 | - | - | €786 | - |
| Trade debts44 | €24,246 | €27,058 | €7 | ▼ 100.0% |
| Suppliers440/4 | €24,246 | €27,058 | €7 | ▼ 100.0% |
| Taxes, remuneration and social security45 | €33,408 | €29,433 | €11,000 | ▼ 62.6% |
| Taxes450/3 | €33,408 | €29,433 | €11,000 | ▼ 62.6% |
| Accrued charges and deferred income492/3 | €14 | - | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €88,545 | €62,546 | €32,911 | ▼ 47.4% |
| + Depreciation and write-downs630 | €4,953 | €4,040 | €9,608 | ▲ 138% |
| Operating cash flow (approximation) | €93,498 | €66,586 | €42,519 | ▼ 36.1% |
| Investment in fixed assets (approximation) | - | -€1,134 | -€50,509 | ▼ 4,353% |
| Change in cash | - | €26,587 | €5,506 | ▼ 79.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €32,911 ▼47.4%
Net result drops to €32,911, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 12.49
Current ratio from 3.54 to 12.49; short-term debt falls from €56,491 to €11,792.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150,000Eq €153,590 ▲68.7%
2 profitable years in a row build equity to €153,590.
19-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Hasselt · 1 establishment unit since 2022
Ground area
208 m²
Building footprint
130 m²
Volume, LiDAR
764 m³
Parcel 71032B0026/00D002, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
TEXPERT
since 20222.333.317.281
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032B0026/00D002 | Flanders | 208 m² | 1 · 130 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,474 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
62200Computer consultancy and computer facilities management
63920Other information service activities
70200Business and other management consultancy
77110Renting and leasing of cars and light motor vehicles
77510Rental and leasing activities
78100Employment placement agencies
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0788411248
Also
9925:BE0788411248
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.