XpertCompta & Tax

Active

Private limited companyfounded 20242 yrs activeKlapstraat 3, 3071 Kortenberg, BelgiumKBO/BCE: BE 1007.561.665

XpertCompta & Tax has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €61k. Its solvency ranks better than 66% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

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Checked score

Score 2025

84 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency96▼-4

Growth78

Track record82

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €9k at 30 days only on tighter terms

Liquidity ample (current ratio 3.45 against 4.18 in 2024; short-term debt: 29% and cash: 10.7% of total assets), and 29% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

71%

Return on assets

38.7%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filings

Deviation from the deadline

2025

31 d late

2024

145 d late

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€112k▲ 120%

2024 · €51k

2024: €51k

2024 → 2025

Total assets

€158k▲ 136%

2024 · €67k

2024: €67k

2024 → 2025

Net result

€61k▲ 21.9%

2024 · €50k

2024: €50k

2024 → 2025

Working capital

€112k▲ 124%

2024 · €50k

2024: €50k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€51k-€112k▲ 120%

Operating result€63k-€79k▲ 25.6%

Net result€50k-€61k▲ 21.9%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 26% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €158k

71.0%

29.0%

Equity €112k▲ 120%

Debt €46k▲ 190%

The debt ratio rises from 23.6% to 29.0%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€80k▲

2024 · €63k

Cash flow

€62k▲

2024 · €51k

Solvency

71.0%▼

2024 · 76.4%

Current ratio

3.45▼

2024 · 4.18

Quick ratio

3.45▼

2024 · 4.18

Debt / equity

0.41▲

2024 · 0.31

ROE

54.5%▼

2024 · 98.0%

ROA

38.7%▼

2024 · 74.9%

Interest coverage

37.44▼

2024 · 1045.21

Debt

€46k▲

2024 · €16k

Debt ≤ 1 year

€46k▲

2024 · €16k

Income taxes

€16k▲

2024 · €13k

Staff costs

€1k

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€67k€158k▲

Fixed assets21/28€905-

Intangible fixed assets21€905-

Current assets29/58€66k€158k▲

Amounts receivable within one year40/41€45k€141k▲

Trade receivables40€30k€59k▲

Other amounts receivable41€15k€82k▲

Cash at bank and in hand54/58€21k€17k▼

Deferred charges and accrued income490/1-€0

Equity and liabilities

Total equity and liabilities10/49€67k€158k▲

Equity10/15€51k€112k▲

Contributions10/11€1k€1k=

Profit (loss) carried forward14€50k€111k▲

Amounts payable17/49€16k€46k▲

Amounts payable within one year42/48€16k€46k▲

Trade debts44€2k€7k▲

Suppliers440/4€2k€7k▲

Taxes, remuneration and social security45€14k€39k▲

Taxes450/3€14k€39k▲

Income statement Code20242025

Remuneration, social security and pensions62-€1k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€328€905▲

Other operating charges640/8€2k€59▼

Gross operating margin9900€65k€81k▲

Operating profit (loss)9901€63k€79k▲

Financial charges65/66B€60€2k▲

Recurring financial charges65€60€2k▲

Profit (loss) for the period before taxes9903€63k€77k▲

Income taxes67/77€13k€16k▲

Profit (loss) for the period9904€50k€61k▲

Profit (loss) for the period to be appropriated9905€50k€61k▲

Appropriation of the result

Profit (loss) to be appropriated9906€50k€111k▲

Profit (loss) brought forward from the previous period14P-€50k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

2025

31-12

Financial Equity above €100kEq €112k ▲120%

2 profitable years in a row build equity to €112k.

23-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 145 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Kortenberg · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Klapstraat 33071 Kortenberg

Ground area

1,758 m²

Building footprint

652 m²

Volume, LiDAR

1,994 m³

2 parcels, Flanders, Wallonia · tallest building 10.5 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

XPERTC&T

Avenue du Progrès 10, 4432 AnsCertified accountants and tax accountants

since 20242.357.674.278

2 parcels

Flanders 1 (50%) Wallonia 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62001B0429/00W004	Wallonia	1,198 m²	1 · 164 m²	-
24025C0283/00M002 ProtectedTownscape or village viewKasteel Hof ter Bruggen en omgevingSource ↗	Flanders	561 m²	1 · 488 m²	10.5 m · 1 fl.