Xpertease
ActiveXpertease has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €211k. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 52% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+1
Solvency80▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 0.79 in 2024; short-term debt: 23.8% and cash: 4.7% of total assets), and 45% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
55%
Return on assets
10.6%
Age of the figures
13 mo
neutral · Filed after the deadline
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 07-04-2026, 7 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
7 d late
2024
on the day
2023
3 d late
2022
86 d early
2021
7 d early
2020
12 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close17-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.09M▲ 23.9%
2024 · €880k
2019: €359k
2020: €363k
2021: €385k
2022: €539k
2023: €699k
2024: €880k
2019 → 2025
Total assets
€1.98M▲ 8.2%
2024 · €1.83M
2019: €1.41M
2020: €1.31M
2021: €1.15M
2022: €1.70M
2023: €1.73M
2024: €1.83M
2019 → 2025
Net result
€211k▲ 16.7%
2024 · €181k
2019: €1k
2020: €4k
2021: €22k
2022: €162k
2023: €161k
2024: €181k
2019 → 2025
Working capital
€46k
2024 · €-88k
2019: €-385k
2020: €-421k
2021: €-332k
2022: €-238k
2023: €-220k
2024: €-88k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€385k-€539k▲ 39.8%€699k▲ 29.8%€880k▲ 25.8%€1.09M▲ 23.9%
Operating result€61k-€226k▲ 267%€239k▲ 6.2%€286k▲ 19.3%€321k▲ 12.3%
Net result€22k-€162k▲ 625%€161k▼ 0.7%€181k▲ 11.9%€211k▲ 16.7%
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 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.98M
Fixed assets
€1.47M▼ 2.6%
Current assets
€517k▲ 57.7%
Equity and liabilities €1.98M
Equity
€1.09M▲ 23.9%
Debt
€892k▼ 6.4%
The debt ratio falls from 52.0% to 45.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€434k▲
2024 · €376k
Cash flow
€324k▲
2024 · €271k
Solvency
55.0%▲
2024 · 48.0%
Current ratio
1.10▲
2024 · 0.79
Quick ratio
0.88▲
2024 · 0.64
Debt / equity
0.82▼
2024 · 1.08
ROE
19.3%▼
2024 · 20.5%
ROA
10.6%▲
2024 · 9.8%
Interest coverage
15.15▲
2024 · 11.67
Debt
€892k▼
2024 · €953k
Debt ≤ 1 year
€471k▲
2024 · €415k
Debt > 1 year
€406k▼
2024 · €517k
Income taxes
€84k▲
2024 · €73k
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€1.83M€1.98M▲
Fixed assets21/28€1.51M€1.47M▼
Tangible fixed assets22/27€1.50M€1.46M▼
Land and buildings22€1.17M€1.14M▼
Plant, machinery and equipment23€26k€28k▲
Furniture and vehicles24€164k€130k▼
Other tangible fixed assets26€138k€161k▲
Financial fixed assets28€3k€3k=
Current assets29/58€328k€517k▲
Stocks and contracts in progress3€61k€101k▲
Stocks30/36€61k€101k▲
Amounts receivable within one year40/41€125k€311k▲
Trade receivables40€73k€279k▲
Other amounts receivable41€52k€32k▼
Cash at bank and in hand54/58€135k€94k▼
Deferred charges and accrued income490/1€7k€11k▲
Equity and liabilities
Total equity and liabilities10/49€1.83M€1.98M▲
Equity10/15€880k€1.09M▲
Contributions10/11€310k€310k=
Reserves13€570k€780k▲
Non-distributable reserves130/1€7k€0▼
Reserves not available under the articles1311€7k€0▼
Tax-exempt reserves132€147k€232k▲
Distributable reserves133€416k€549k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€953k€892k▼
Amounts payable after more than one year17€517k€406k▼
Financial debts170/4€517k€406k▼
Amounts payable within one year42/48€415k€471k▲
Current portion of amounts payable after more than one year42€137k€121k▼
Trade debts44€7k€44k▲
Suppliers440/4€7k€44k▲
Taxes, remuneration and social security45€57k€67k▲
Taxes450/3€57k€67k▲
Other amounts payable47/48€215k€239k▲
Accrued charges and deferred income492/3€21k€16k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90k€114k▲
Other operating charges640/8€5k€12k▲
Gross operating margin9900€381k€447k▲
Operating profit (loss)9901€286k€321k▲
Financial income75/76B€79€3k▲
Recurring financial income75€79€3k▲
Financial charges65/66B€32k€29k▼
Recurring financial charges65€32k€29k▼
Profit (loss) for the period before taxes9903€253k€294k▲
Income taxes67/77€73k€84k▲
Profit (loss) for the period9904€181k€211k▲
Transfer to tax-exempt reserves689€63k€84k▲
Profit (loss) for the period to be appropriated9905€117k€126k▲
Appropriation of the result
Profit (loss) to be appropriated9906€117k€126k▲
Transfer to equity691/2€117k€126k▲
To other reserves6921€117k€126k▲
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (17 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
31-08
Financial
Highest result since 2019net €211k ▲16.7%
Operating result €321k, net result €211k, both a record.
31-08
Financial
Equity above €1MEq €1.09M ▲23.9%
7 profitable years in a row build equity to €1.09M.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 3 days late
2023
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
Financial
Equity above €500kEq €539k ▲39.8%
4 profitable years in a row build equity to €539k.
24-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-02
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
4 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, Beernem · 2 establishment units since 2004
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.
Knesselarestraat 1858730 BeernemGround area
2.3 ha
Building footprint
955 m²
2 parcels, Flanders. Linked by address, not a title deed.
2 establishment units
Xpertease
since 20042.142.076.338
Xpertease
since 20222.340.989.387
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31021E0261/00_000 | Flanders | 2.0 ha | - | - |
| 31028D0103/00S002 | Flanders | 2,810 m² | 1 · 955 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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 82,524 companies in sector 70200 we hold annual accounts for 52,566. 26,882 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2004
Fiscal year end31-08
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.