Xpert IMMO
ActiveXpert IMMO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €112k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 40% of 13977 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+45
Solvency43▼-16
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.24 in 2024; short-term debt: 79.5% and cash: 54.6% of total assets), and 82.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
17.7%
Return on assets
37.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
29 d late
2023
21 d late
2022
70 d late
2021
92 d late
2020
128 d late
2019
35 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€112k▲ 3,193%
2024 · €3k
2018: €4k
2019: €42k
2020: €-30k
2021: €13k
2022: €11k
2023: €78
2024: €3k
2018 → 2025
Working capital
€25k▼ 16.3%
2024 · €30k
2018: €45k
2019: €88k
2020: €54k
2021: €56k
2022: €39k
2023: €41k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€62k▼ 12.6%€62k▲ 0.1%€65k▲ 5.5%€52k▼ 19.9%
Operating result€38k-€22k▼ 43.6%€5k▼ 76.9%€21k▲ 322%€178k▲ 747%
Net result€13k-€11k▼ 16.3%€78▼ 99.3%€3k▲ 4,274%€112k▲ 3,193%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 747% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €295k
Fixed assets
€36k▲ 0.4%
Current assets
€259k▲ 67.8%
Equity and liabilities €295k
Equity
€52k▼ 19.9%
Debt
€243k▲ 94.3%
The debt ratio rises from 65.7% to 82.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€187k▲
2024 · €29k
Cash flow
€121k▲
2024 · €12k
Solvency
17.7%▼
2024 · 34.3%
Current ratio
1.11▼
2024 · 1.24
Quick ratio
1.11▼
2024 · 1.24
Debt / equity
4.65▲
2024 · 1.92
ROE
214.1%▲
2024 · 5.2%
ROA
37.9%▲
2024 · 1.8%
Interest coverage
39.92▲
2024 · 4.10
Debt
€243k▲
2024 · €125k
Debt ≤ 1 year
€235k▲
2024 · €125k
Debt > 1 year
€7k
Income taxes
€61k▲
2024 · €10k
Staff costs
€176k▼
2024 · €190k
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€190k€295k▲
Fixed assets21/28€36k€36k▲
Tangible fixed assets22/27€34k€36k▲
Plant, machinery and equipment23€25k€23k▼
Furniture and vehicles24€9k€13k▲
Financial fixed assets28€2k€225▼
Current assets29/58€155k€259k▲
Amounts receivable within one year40/41€107k€94k▼
Trade receivables40€69k€24k▼
Other amounts receivable41€38k€70k▲
Cash at bank and in hand54/58€44k€161k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€190k€295k▲
Equity10/15€65k€52k▼
Contributions10/11€12k€12k=
Profit (loss) carried forward14€53k€40k▼
Amounts payable17/49€125k€243k▲
Amounts payable after more than one year17-€7k
Financial debts170/4-€7k
Amounts payable within one year42/48€125k€235k▲
Current portion of amounts payable after more than one year42-€5k
Taxes, remuneration and social security45€125k€105k▼
Taxes450/3€92k€91k▼
Remuneration and social security454/9€33k€15k▼
Other amounts payable47/48-€125k
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€190k€176k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€26k
Other operating charges640/8€4k€9k▲
Gross operating margin9900€224k€398k▲
Operating profit (loss)9901€21k€178k▲
Financial income75/76B€3€4▲
Recurring financial income75€3€4▲
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€14k€173k▲
Income taxes67/77€10k€61k▲
Profit (loss) for the period9904€3k€112k▲
Profit (loss) for the period to be appropriated9905€3k€112k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€165k▲
Profit (loss) brought forward from the previous period14P€50k€53k▲
Profit to be distributed694/7-€125k
Return on contributions (dividend)694-€125k
The notes to these accounts (9 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
20-03
State Gazette act
Registered officeGeneral meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move2 facts ▸
- General meeting, 10/03/2026
- Registered-office move, Chaussée d'Alsemberg 897 1180 Uccle
2025
31-12
Financial
Highest result since 2018net €112k ▲3193%
Operating result €178k, net result €112k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
06-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 128 days late
2020
31-12
Financial
Weakest financial yearnet €-30k ▼172%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 35 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 61 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2019
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2019
Resigned as Director
Location & real-estate footprint
Registered office, Ukkel · 3 establishment units since 2014
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.
Alsembergsesteenweg 8971180 UkkelGround area
780 m²
Building footprint
622 m²
Volume, LiDAR
8,676 m³
4 parcels, Brussels, Wallonia · tallest building 27.3 m, ±8 floors. Linked by address, not a title deed.
3 establishment units
Xpert IMMO
since 20142.236.741.113
Xpert Immo
since 20182.272.196.987
IMMO-9
since 20222.333.162.279
4 parcels
Wallonia
2
(50%)
Brussels
2
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0121/00Y002 | Brussels | 347 m² | 1 · 329 m² | 17.1 m · 2 fl. |
| 21447B0342/00F012 | Brussels | 251 m² | 1 · 185 m² | 27.3 m · 8 fl. |
| 52026D0517/00T000 | Wallonia | 121 m² | 1 · 55 m² | 14.3 m · 4 fl. |
| 92094A0163/00P000 | Wallonia | 61 m² | 1 · 53 m² | 15.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,322 companies in sector 68110 we hold annual accounts for 5,382. 3,310 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2014
Fiscal year end31-12
Trade name FR
société privée à responsabilité limitée
Activities, NACEBEL
68110Buying and selling of own real estate
68322Real estate appraisal on a fee or contract basis
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:christophe.hoogstoel@gmail.com
Phone:0489/54.65.96