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Expertisia

Active
Private limited company·Activiteiten van holdings· 2 yrs active
Matenstraat 185 ·2845 Niel, Belgium
KBO/BCE: BE 1007.398.547
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Age2 yrs
Real estate1 parcel · 1,176 m²

Summary

Conclusion

the dossier summarised in one paragraph

Expertisia is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €69k and a net result of €64k. Its solvency ranks better than 74% of 3139 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-05-2025, 77 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 15-05-2025 77 d early 2025-00094478

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€69k
Net result€64k
Total assets€92k
Solvency74.4%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 15-05-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 74.4% 52.5%
better than 74% of 3139 sector peers
Net result €64k €32k
better than 71% of 3135 sector peers
Equity €69k €75k
better than 48% of 3140 sector peers
Gross operating margin €83k €52k
better than 67% of 3132 sector peers
Total assets €92k €192k
better than 28% of 3141 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€64k
Cash flown/a
Staff costs-
Income taxes€18k
Dividends-
Total assets€92k
Equity€69k
Debt€24k
of which ≤ 1y€23k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency74.4%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA69.0%
ROE92.7%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€92k
Fixed assets 21/28€1k
Formation expenses 20€1k
Tangible fixed assets 22/27€1k
Current assets 29/58€90k
Amounts receivable within one year 40/41€52k
Cash & bank 54/58€37k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€92k
Equity 10/15€69k
Contributions / capital 10/11€5k
Reserves 13€64k
Amounts payable 17/49€24k
Amounts payable within one year 42/48€23k
Trade debts payable within one year 44€547
Income statement
Gross operating margin 9900€83k
Operating result 9901€82k
Financial charges 65€58
Result before taxes 9903€82k
Income taxes 67/77€18k
Net result for the period 9904€64k
Result to be appropriated 9905€64k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Matenstraat 1852845 Niel

Establishment units

1 location
Expertisia
Matenstraat 185, 2845 NielActiviteiten van risicoanalisten en schadetaxateurs
since 20242.358.248.954
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,176 m²
Buildings1
Building footprint214 m²
Volume (LiDAR)1,233 m³
Tallest building8.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11030C0022/00X003 Flanders 1,176 m² 1 · 214 m² 8.8 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability100Solvency100Growth-Stability67
89 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 100
Growth -
Stability 67

Ask AI about this company

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AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,518 of the 24,684 companies in this sector. 3,823 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Computerinfrastructuur, gegevensverwerking, hosting en aanverwante activiteiten63100Gegevensverwerking, webhosting en aanverwante activiteiten63110Risicoanalisten en schadetaxateurs66210Activiteiten van risicoanalisten en schadetaxateurs66210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL Expertisia
Registered office
Matenstraat 185 bus C2
2845 Niel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.