EXPECTSAFER
ActiveEXPECTSAFER has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €164k and a net result of €128k. Its solvency ranks better than 95% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78
Track record82
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days only on tighter terms
Liquidity ample (current ratio 32.64 against 4.05 in 2024; short-term debt: 2.9% and cash: 84.3% of total assets), and 2.9% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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 · 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
97.1%
Return on assets
75.4%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
23 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€164k▲ 325%
2024 · €39k
2024: €39k
2024 → 2025
Total assets
€169k▲ 229%
2024 · €51k
2024: €51k
2024 → 2025
Net result
€128k▲ 258%
2024 · €36k
2024: €36k
2024 → 2025
Working capital
€158k▲ 307%
2024 · €39k
2024: €39k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€39k-€164k▲ 325%
Operating result€45k-€165k▲ 267%
Net result€36k-€128k▲ 258%
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 267% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €169k
Fixed assets
€7k
Current assets
€163k
Equity and liabilities €169k
Equity
€164k▲ 325%
Debt
€5k▼ 60.8%
The debt ratio falls from 24.7% to 2.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€166k▲
2024 · €46k
Cash flow
€128k▲
2024 · €37k
Solvency
97.1%▲
2024 · 75.3%
Current ratio
32.64▲
2024 · 4.05
Quick ratio
32.64▲
2024 · 4.05
Debt / equity
0.03▼
2024 · 0.33
ROE
77.7%▼
2024 · 92.3%
ROA
75.4%▲
2024 · 69.5%
Interest coverage
148.79
Debt
€5k▼
2024 · €13k
Debt ≤ 1 year
€5k▼
2024 · €13k
Income taxes
€37k▲
2024 · €9k
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€51k€169k▲
Fixed assets21/28-€7k
Tangible fixed assets22/27-€7k
Furniture and vehicles24-€3k
Other tangible fixed assets26-€4k
Current assets29/58€51k€163k▲
Amounts receivable within one year40/41€18k€9k▼
Trade receivables40€18k€9k▼
Other amounts receivable41-€893
Cash at bank and in hand54/58€21k€143k▲
Deferred charges and accrued income490/1€12k€10k▼
Equity and liabilities
Total equity and liabilities10/49€51k€169k▲
Equity10/15€39k€164k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€36k€161k▲
Amounts payable17/49€13k€5k▼
Amounts payable within one year42/48€13k€5k▼
Trade debts44€5k-
Suppliers440/4€5k-
Taxes, remuneration and social security45€8k-
Taxes450/3€8k-
Other amounts payable47/48-€5k
Income statement
Code20242025
Non-recurring operating income76A-€16
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€528▼
Other operating charges640/8-€162
Non-recurring operating charges66A-€5
Gross operating margin9900€46k€166k▲
Operating profit (loss)9901€45k€165k▲
Financial charges65/66B-€1k
Recurring financial charges65-€1k
Profit (loss) for the period before taxes9903€45k€164k▲
Income taxes67/77€9k€37k▲
Profit (loss) for the period9904€36k€128k▲
Profit (loss) for the period to be appropriated9905€36k€128k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€164k▲
Profit (loss) brought forward from the previous period14P-€36k
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 8current ratio 32.64
Current ratio from 4.05 to 32.64; short-term debt falls from €13k to €5k.
31-12
Financial
Equity above €150kEq €164k ▲325%
2 profitable years in a row build equity to €164k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Esneux · 1 establishment unit since 2024
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.
Rue Meloye 54130 EsneuxGround area
821 m²
Building footprint
142 m²
Volume, LiDAR
1,081 m³
Parcel 62032A0705/00H000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EXPECTSAFER
since 20242.360.448.775
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032A0705/00H000 | Wallonia | 821 m² | 1 · 142 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 11,554 companies in sector 71121 we hold annual accounts for 6,563. 5,227 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2024
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.