EXPERT INFORMATIQUE
ActiveEXPERT INFORMATIQUE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €33k and a net result of €-1k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 15% of 20787 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency13▼-13
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.61 against 1.24 in 2023), and 84.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
15.1%
Return on assets
-0.5%
Age of the figures
20 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 · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€1k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 20787 sector peers (2024).
NBB · sector comparisonPosition among 20787 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
57 d late
2022
5 d early
2021
59 d late
2020
2 d early
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€33k▼ 3.4%
2023 · €34k
2018: €18k
2019: €18k
2020: €43k
2021: €55k
2022: €63k
2023: €34k
2018 → 2024
Total assets
€219k▼ 11.6%
2023 · €248k
2018: €88k
2019: €82k
2020: €79k
2021: €90k
2022: €104k
2023: €248k
2018 → 2024
Net result
€-1k▲ 95.9%
2023 · €-29k
2018: €-2k
2019: €-675
2020: €25k
2021: €12k
2022: €8k
2023: €-29k
2018 → 2024
Working capital
€-16k
2023 · €17k
2018: €12k
2019: €9k
2020: €36k
2021: €52k
2022: €61k
2023: €17k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€43k-€55k▲ 28.1%€63k▲ 15.2%€34k▼ 45.5%€33k▼ 3.4%
Operating result€32k-€18k▼ 44.8%€10k▼ 43.3%€-21k€9k
Net result€25k-€12k▼ 52.3%€8k▼ 30.8%€-29k€-1k▲ 95.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €9k after a loss of €21k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €219k
Fixed assets
€194k▲ 19.5%
Current assets
€26k▼ 70.2%
Equity and liabilities €219k
Equity
€33k▼ 3.4%
Debt
€186k▼ 12.9%
The debt ratio falls from 86.1% to 84.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€20k▲
2023 · €-19k
Cash flow
€10k▲
2023 · €-27k
Solvency
15.1%▲
2023 · 13.9%
Current ratio
0.61▼
2023 · 1.24
Quick ratio
0.61▼
2023 · 1.24
Debt / equity
5.61▼
2023 · 6.22
ROE
-3.5%▲
2023 · -83.3%
ROA
-0.5%▲
2023 · -11.5%
Interest coverage
1.99▲
2023 · -2.53
Debt
€186k▼
2023 · €214k
Debt ≤ 1 year
€42k▼
2023 · €69k
Debt > 1 year
€144k=
2023 · €144k
Income taxes
€179▲
2023 · €169
Staff costs
€38k▼
2023 · €39k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€248k€219k▼
Fixed assets21/28€162k€194k▲
Tangible fixed assets22/27€161k€194k▲
Land and buildings22€159k€192k▲
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€1k€0▼
Current assets29/58€86k€26k▼
Amounts receivable within one year40/41€32k€18k▼
Trade receivables40€20k€14k▼
Other amounts receivable41€12k€4k▼
Cash at bank and in hand54/58€54k€7k▼
Deferred charges and accrued income490/1-€4
Equity and liabilities
Total equity and liabilities10/49€248k€219k▼
Equity10/15€34k€33k▼
Contributions10/11€52k€52k=
Reserves13€11k€11k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-28k€-30k▼
Amounts payable17/49€214k€186k▼
Amounts payable after more than one year17€144k€144k=
Financial debts170/4€144k€144k=
Amounts payable within one year42/48€69k€42k▼
Current portion of amounts payable after more than one year42€10k€16k▲
Trade debts44€19k€5k▼
Suppliers440/4€19k€5k▼
Taxes, remuneration and social security45€18k€14k▼
Taxes450/3€11k€9k▼
Remuneration and social security454/9€7k€5k▼
Other amounts payable47/48€22k€8k▼
Income statement
Code20232024
Remuneration, social security and pensions62€39k€38k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€11k▲
Other operating charges640/8€891€3k▲
Gross operating margin9900€20k€61k▲
Operating profit (loss)9901€-21k€9k▲
Financial income75/76B€31-
Recurring financial income75€31-
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€-28k€-992▲
Income taxes67/77€169€179▲
Profit (loss) for the period9904€-29k€-1k▲
Profit (loss) for the period to be appropriated9905€-29k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-30k▼
Profit (loss) brought forward from the previous period14P€184€-28k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Weakest financial yearnet €-29k ▼445%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €25k
Net result €25k after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 45 days late
2016
12-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brunehaut · 2 establishment units since 2007
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 de Tournai(HOL) 10/B7620 BrunehautGround area
1,877 m²
Building footprint
264 m²
Volume, LiDAR
1,332 m³
2 parcels, Wallonia · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
EXPERT INFORMATIQUE
since 20072.167.649.595
EXPERT INFORMATIQUE
since 20182.278.945.813
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57039B0380/00C000 | Wallonia | 1,322 m² | 1 · 136 m² | 6.9 m · 2 fl. |
| 57462C0737/00D000indicative | Wallonia | 555 m² | 1 · 128 m² | 11.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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POLYDOVE
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CodyFit
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MANINI SOLUTIONS
BE 0730.918.556
Braine-le-Comte · Eq €33k
BENETIS
BE 0866.046.979
Ukkel · Eq €33k
Of 16,813 companies in sector 62100 we hold annual accounts for 8,746. 6,434 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2007
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
46180Agents specialised in the wholesale of other particular products
58290Other software publishing
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.