XPERTA
ActiveXPERTA has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €293k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 12% of 1994 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency30▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.06 in 2024; short-term debt: 94.8% and cash: 72.9% of total assets), and 94.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
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
5.2%
Return on assets
52.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 1994 sector peers (2025).
NBB · sector comparisonPosition among 1994 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
42 d early
2023
36 d early
2022
34 d early
2021
41 d early
2020
39 d early
2019
45 d early
← 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, abbreviated schema
Equity
€29k=
2024 · €29k
2018: €26k
2019: €28k
2020: €29k
2021: €28k
2022: €29k
2023: €29k
2024: €29k
2018 → 2025
Total assets
€558k▲ 22.7%
2024 · €455k
2018: €122k
2019: €201k
2020: €247k
2021: €168k
2022: €395k
2023: €404k
2024: €455k
2018 → 2025
Net result
€293k▲ 9.3%
2024 · €268k
2018: €89k
2019: €117k
2020: €141k
2021: €130k
2022: €183k
2023: €200k
2024: €268k
2018 → 2025
Working capital
€29k▲ 3.8%
2024 · €28k
2018: €26k
2019: €28k
2020: €24k
2021: €25k
2022: €26k
2023: €28k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€29k▲ 0.9%€29k▲ 1.4%€29k=€29k=
Operating result€130k-€185k▲ 41.8%€201k▲ 9.0%€369k▲ 83.2%€401k▲ 8.7%
Net result€130k-€183k▲ 41.3%€200k▲ 9.3%€268k▲ 33.5%€293k▲ 9.3%
Turnover and EBIT margin not published: the abbreviated or 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 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €558k
Fixed assets
€524▼ 66.4%
Current assets
€557k▲ 23.0%
Equity and liabilities €558k
Equity
€29k=
Debt
€529k▲ 24.2%
The debt ratio rises from 93.6% to 94.8%. Debt is higher.
Key figures and ratios
EBITDA
€402k▲
2024 · €370k
Cash flow
€294k▲
2024 · €269k
Solvency
5.2%▼
2024 · 6.4%
Current ratio
1.05▼
2024 · 1.06
Quick ratio
1.05▼
2024 · 1.06
Debt / equity
18.20▲
2024 · 14.65
ROA
52.4%▼
2024 · 58.8%
Interest coverage
648.05▼
2024 · 3120.34
Debt
€529k▲
2024 · €426k
Debt ≤ 1 year
€529k▲
2024 · €426k
Income taxes
€108k▲
2024 · €101k
Staff costs
€61k▲
2024 · €48k
A ratio outside any meaningful range has been withheld (balance sheet total €558k, equity €29k).
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€455k€558k▲
Fixed assets21/28€2k€524▼
Tangible fixed assets22/27€2k€524▼
Land and buildings22-€0
Furniture and vehicles24€2k€524▼
Current assets29/58€453k€557k▲
Amounts receivable within one year40/41€168k€150k▼
Trade receivables40€168k€150k▼
Cash at bank and in hand54/58€285k€407k▲
Equity and liabilities
Total equity and liabilities10/49€455k€558k▲
Equity10/15€29k€29k=
Contributions10/11€6k€6k=
Reserves13€23k€23k=
Distributable reserves133€23k€23k=
Amounts payable17/49€426k€529k▲
Amounts payable within one year42/48€426k€529k▲
Trade debts44€11k€86k▲
Suppliers440/4€11k€86k▲
Taxes, remuneration and social security45€147k€150k▲
Taxes450/3€146k€144k▼
Remuneration and social security454/9€1k€6k▲
Other amounts payable47/48€268k€293k▲
Income statement
Code20242025
Remuneration, social security and pensions62€48k€61k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€182€120▼
Gross operating margin9900€418k€463k▲
Operating profit (loss)9901€369k€401k▲
Financial income75/76B€71€245▲
Recurring financial income75€71€245▲
Financial charges65/66B€118€620▲
Recurring financial charges65€118€620▲
Profit (loss) for the period before taxes9903€369k€400k▲
Income taxes67/77€101k€108k▲
Profit (loss) for the period9904€268k€293k▲
Profit (loss) for the period to be appropriated9905€268k€293k▲
Appropriation of the result
Profit (loss) to be appropriated9906€268k€293k▲
Profit to be distributed694/7€268k€293k▲
Return on contributions (dividend)694€268k€293k▲
Social balance
Average headcount (FTE)9087-0.8
The notes to these accounts (4 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 18 days late
2025
31-12
Financial
Highest result since 2018net €293k ▲9.3%
Operating result €401k, net result €293k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 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, Heist-op-den-Berg · 1 establishment unit since 2010
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.
Bogaardenstraat 10/D2220 Heist-op-den-BergGround area
5,902 m²
Building footprint
346 m²
Volume, LiDAR
1,912 m³
Parcel 12322I0924/00F000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
XPERTA
since 20102.183.840.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0924/00F000 | Flanders | 5,902 m² | 1 · 346 m² | 8.4 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 11,553 companies in sector 71121 we hold annual accounts for 6,558. 4,444 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2009
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
71121Engineering and related technical consultancy, excluding land surveyors
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:015/250510