EXPERT-EASE
ActiveSummary
EXPERT-EASE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €76k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 21% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency41▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.81 against 0.71 in 2024; short-term debt: 83.3% and cash: 53.1% of total assets), and 83.9% of the assets are financed with debt.
Credit check 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 · 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
16.1%
Return on assets
58.8%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 21%
← weakest
strongest →
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
44 d early
2023
48 d early
2022
41 d early
2021
39 d early
2020
35 d early
2019
49 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▼ 0.9%
2024 · €21k
2018: €53k
2019: €63k
2020: €25k
2021: €21k
2022: €21k
2023: €21k
2024: €21k
2018 → 2025
Total assets
€129k▼ 6.7%
2024 · €138k
2018: €122k
2019: €167k
2020: €149k
2021: €110k
2022: €129k
2023: €115k
2024: €138k
2018 → 2025
Net result
€76k▼ 22.5%
2024 · €98k
2018: €61k
2019: €60k
2020: €42k
2021: €72k
2022: €76k
2023: €84k
2024: €98k
2018 → 2025
Working capital
€-20k▲ 39.1%
2024 · €-33k
2018: €45k
2019: €24k
2020: €-2k
2021: €5k
2022: €17k
2023: €18k
2024: €-33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€21k▲ 4.6%€21k▼ 1.3%€21k▼ 0.9%€21k▼ 0.9%
Operating result€94k-€98k▲ 4.4%€108k▲ 10.0%€123k▲ 13.5%€96k▼ 21.8%
Net result€72k-€76k▲ 4.8%€84k▲ 10.2%€98k▲ 16.8%€76k▼ 22.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129k
Fixed assets
€42k ▼ 24.0%
Current assets
€87k ▲ 4.7%
Equity and liabilities €129k
Equity
€21k ▼ 0.9%
Debt
€108k ▼ 7.8%
Debt's share of the balance-sheet total falls from 84.8% to 83.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€109k▼
2024 · €132k
Cash flow
€89k▼
2024 · €107k
Current ratio
0.81▲
2024 · 0.71
Debt to equity
5.20▼
2024 · 5.59
ROE
364.6%▼
2024 · 466.4%
ROA
58.8%▼
2024 · 70.8%
Interest coverage
433.65▲
2024 · 164.74
Debt ≤ 1 year
€107k▼
2024 · €117k
Income taxes
€20k▼
2024 · €24k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€138k€129k▼
Fixed assets21/28€55k€42k▼
Tangible fixed assets22/27€55k€42k▼
Land and buildings22€1k€677▼
Furniture and vehicles24€52k€40k▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€83k€87k▲
Amounts receivable within one year40/41€18k€19k▲
Trade receivables40€16k€18k▲
Other amounts receivable41€1k€1k▲
Cash at bank and in hand54/58€66k€68k▲
Deferred charges and accrued income490/1€52€33▼
Equity and liabilities
Total equity and liabilities10/49€138k€129k▼
Equity10/15€21k€21k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€514€334▼
Amounts payable17/49€117k€108k▼
Amounts payable within one year42/48€117k€107k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48€110k€99k▼
Accrued charges and deferred income492/3€652€683▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€13k▲
Other operating charges640/8€659€500▼
Gross operating margin9900€132k€110k▼
Operating profit (loss)9901€123k€96k▼
Financial charges65/66B€798€252▼
Recurring financial charges65€798€252▼
Profit (loss) for the period before taxes9903€122k€96k▼
Income taxes67/77€24k€20k▼
Profit (loss) for the period9904€98k€76k▼
Profit (loss) for the period to be appropriated9905€98k€76k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€76k▼
Profit (loss) brought forward from the previous period14P€698€514▼
Profit to be distributed694/7€98k€76k▼
Return on contributions (dividend)694€98k€76k▼
The notes to these accounts (13 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €98k ▲16.8%
Operating result €123k, net result €98k, both a record.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €42k ▼30.3%
Net result drops to €42k, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Ottignies-Louvain-la-Neuve · 2 establishment units since 2013
Ground area
2,388 m²
Building footprint
272 m²
Volume, LiDAR
1,444 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Rainbow drop; SwingWay; SettleMind
since 20132.224.268.891
EXPERT-EASE
since 20152.247.822.372
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056C0094/00H002 | Wallonia | 1,350 m² | 1 · 162 m² | 8.6 m · 2 fl. |
| 25056C0094/00G002 | Wallonia | 1,037 m² | 1 · 111 m² | 6.2 m · 2 fl. |
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 82,553 companies in sector 70200 we hold annual accounts for 52,585. 30,959 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-2013
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.