XPERT-MANAGEMENT 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 €803k and a net result of €241k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 7994 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €803k
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-11-2025, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
40 d late
2023
4 d early
2022
4 d early
2021
2 d early
2020
33 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€803k▲ 42.8%
2024 · €562k
2019: €25k
2020: €38k
2021: €41k
2022: €54k
2023: €448k
2024: €562k
2019 → 2025
Net result
€241k▲ 110%
2024 · €115k
2019: €1k
2020: €20k
2021: €2k
2022: €14k
2023: €393k
2024: €115k
2019 → 2025
Total assets
€2.14M▲ 8.6%
2024 · €1.97M
2019: €39k
2020: €59k
2021: €62k
2022: €73k
2023: €1.95M
2024: €1.97M
2019 → 2025
Solvency
37.5%▲ 9.0pp
2024 · 28.5%
2019: 63.6%
2020: 65.5%
2021: 66.4%
2022: 73.8%
2023: 23.0%
2024: 28.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€54k▲ 32.6%€448k▲ 726%€562k▲ 25.6%€803k▲ 42.8%
Operating result€6k-€21k▲ 246%€73k▲ 242%€200k▲ 174%€353k▲ 76.8%
Net result€2k-€14k▲ 485%€393k▲ 2,645%€115k▼ 70.9%€241k▲ 110%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 77% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.14M
Fixed assets
€1.88M=
Current assets
€268k▲ 175%
Equity and liabilities €2.14M
Equity
€803k▲ 42.8%
Debt
€1.34M▼ 5.0%
The debt ratio falls from 71.5% to 62.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
37.5%▲
2024 · 28.5%
ROE
30.0%▲
2024 · 20.4%
ROA
11.2%▲
2024 · 5.8%
Debt
€1.34M▼
2024 · €1.41M
Debt ≤ 1 year
€915k▲
2024 · €881k
Debt > 1 year
€425k▼
2024 · €529k
Income taxes
€84k▲
2024 · €50k
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€1.97M€2.14M▲
Fixed assets21/28€1.88M€1.88M=
Tangible fixed assets22/27€1k€601▼
Furniture and vehicles24€1k€601▼
Financial fixed assets28€1.88M€1.88M=
Current assets29/58€97k€268k▲
Amounts receivable after more than one year29€10k€10k=
Other amounts receivable291€10k€10k=
Amounts receivable within one year40/41€84k€242k▲
Trade receivables40€84k€242k▲
Cash at bank and in hand54/58€1k€13k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.97M€2.14M▲
Equity10/15€562k€803k▲
Contributions10/11€6k€6k=
Reserves13€556k€797k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€554k€795k▲
Amounts payable17/49€1.41M€1.34M▼
Amounts payable after more than one year17€529k€425k▼
Financial debts170/4€529k€425k▼
Amounts payable within one year42/48€881k€915k▲
Current portion of amounts payable after more than one year42€108k€112k▲
Financial debts43€13k€14k▲
Credit institutions430/8€13k€14k▲
Trade debts44€562€294▼
Suppliers440/4€562€294▼
Taxes, remuneration and social security45€19k€58k▲
Taxes450/3€17k€57k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€740k€730k▼
Accrued charges and deferred income492/3€612€350▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€280€440▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€202k€355k▲
Operating profit (loss)9901€200k€353k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€34k€28k▼
Recurring financial charges65€34k€28k▼
Profit (loss) for the period before taxes9903€165k€325k▲
Income taxes67/77€50k€84k▲
Profit (loss) for the period9904€115k€241k▲
Profit (loss) for the period to be appropriated9905€115k€241k▲
Appropriation of the result
Profit (loss) to be appropriated9906€115k€241k▲
Transfer to equity691/2€115k€241k▲
To the legal reserve6920€115k-
To other reserves6921-€241k
The notes to these accounts (6 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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2024
10-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
31-03
Financial
Equity above €500kEq €562k ▲25.6%
6 profitable years in a row build equity to €562k.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €393k ▲2645%
Net result €393k, the highest in the series.
31-03
Financial
Equity above €200kEq €448k ▲726%
5 profitable years in a row build equity to €448k.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
24-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Lanaken · 1 establishment unit since 2011
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.
Berkenlaan 83620 LanakenGround area
814 m²
Building footprint
112 m²
Volume, LiDAR
635 m³
Parcel 73014B0119/00M000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Berkenlaan 8, 3620 Lanaken
since 20112.200.593.765
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73014B0119/00M000 | Flanders | 814 m² | 1 · 112 m² | 6.6 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 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,153 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2011
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.