EXPERTS SERVICES
ActiveSummary
EXPERTS SERVICES has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €970k and a net result of €-36k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 94 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▼-4
Solvency63=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 10.97 against 9.26 in 2024; short-term debt: 3.4% and cash: 36.3% of total assets), but 61.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
38.1%
Return on assets
-1.4%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 80
Relative position
BE, all sectors
reference
Sector 80
lower
← fewer bankruptcies
more bankruptcies →
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 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
11 d late
2023
29 d late
2022
19 d early
2021
59 d late
2020
38 d early
2019
19 d late
← 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, abbreviated schema
Equity
€970k▼ 3.6%
2024 · €1.01M
2018: €366k
2019: €348k
2020: €454k
2021: €438k
2022: €885k
2023: €927k
2024: €1.01M
2018 → 2025
Total assets
€2.54M▼ 3.8%
2024 · €2.65M
2018: €2.47M
2019: €2.35M
2020: €2.32M
2021: €2.27M
2022: €2.64M
2023: €2.75M
2024: €2.65M
2018 → 2025
Net result
€-36k
2024 · €79k
2018: €67k
2019: €-17k
2020: €105k
2021: €-16k
2022: €447k
2023: €42k
2024: €79k
2018 → 2025
Working capital
€865k▼ 18.3%
2024 · €1.06M
2018: €61k
2019: €16k
2020: €100k
2021: €1.49M
2022: €1.91M
2023: €1.79M
2024: €1.06M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€438k-€885k▲ 102%€927k▲ 4.7%€1.01M▲ 8.5%€970k▼ 3.6%
Operating result€118k-€82k▼ 30.3%€91k▲ 10.1%€78k▼ 13.8%€61k▼ 22.5%
Net result€-16k-€447k€42k▼ 90.7%€79k▲ 89.0%€-36k
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 fallen two years in a row; 2025 is 22% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.54M
Fixed assets
€1.59M ▲ 9.2%
Current assets
€952k ▼ 19.8%
Equity and liabilities €2.54M
Equity
€970k ▼ 3.6%
Provisions
€1.46M =
Debt
€112k ▼ 37.0%
Debt's share of the balance-sheet total falls from 6.7% to 4.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€140k▲
2024 · €121k
Cash flow
€43k▼
2024 · €122k
Current ratio
10.97▲
2024 · 9.26
Debt to equity
0.12▼
2024 · 0.18
ROE
-3.7%▼
2024 · 7.8%
ROA
-1.4%▼
2024 · 3.0%
Interest coverage
1.24▲
2024 · 1.07
Debt ≤ 1 year
€87k▼
2024 · €128k
Debt > 1 year
€25k▼
2024 · €50k
Income taxes
€723▼
2024 · €23k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.65M€2.54M▼
Fixed assets21/28€1.46M€1.59M▲
Intangible fixed assets21€37k€29k▼
Tangible fixed assets22/27€1.42M€1.56M▲
Land and buildings22€1.35M€1.52M▲
Furniture and vehicles24€66k€48k▼
Current assets29/58€1.19M€952k▼
Amounts receivable within one year40/41€16k€23k▲
Trade receivables40€16k€20k▲
Other amounts receivable41€0€3k▲
Current investments50/53€802k€3k▼
Cash at bank and in hand54/58€364k€923k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.65M€2.54M▼
Equity10/15€1.01M€970k▼
Contributions10/11€106k€106k=
Capital10€106k€106k=
Issued capital100€119k€119k=
Uncalled capital101€12k€12k=
Reserves13€900k€864k▼
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Distributable reserves133€888k€852k▼
Provisions and deferred taxes16€1.46M€1.46M=
Provisions for liabilities and charges160/5€1.46M€1.46M=
Other liabilities and charges164/5€1.46M€1.46M=
Amounts payable17/49€178k€112k▼
Amounts payable after more than one year17€50k€25k▼
Financial debts170/4€50k€25k▼
Amounts payable within one year42/48€128k€87k▼
Current portion of amounts payable after more than one year42€24k€24k▲
Trade debts44€25k€0▼
Suppliers440/4€25k€0▼
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€24k€9k▼
Taxes450/3€24k€9k▼
Other amounts payable47/48€56k€47k▼
Income statement
Code20242025
Non-recurring operating income76A€115-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€79k▲
Other operating charges640/8€9k€10k▲
Gross operating margin9900€130k€150k▲
Operating profit (loss)9901€78k€61k▼
Financial income75/76B€139k€17k▼
Recurring financial income75€76k€17k▼
Non-recurring financial income76B€63k-
Financial charges65/66B€115k€113k▼
Recurring financial charges65€113k€113k▼
Non-recurring financial charges66B€2k-
Profit (loss) for the period before taxes9903€102k€-35k▼
Income taxes67/77€23k€723▼
Profit (loss) for the period9904€79k€-36k▼
Profit (loss) for the period to be appropriated9905€79k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€-36k▼
Transfer from equity791/2-€36k
Transfer to equity691/2€79k-
To other reserves6921€79k-
The notes to these accounts (8 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
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Equity above €1MEq €1.01M ▲8.5%
3 profitable years in a row build equity to €1.01M.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €447k
Net result €447k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 49.93
Current ratio from 17.21 to 49.93; short-term debt falls from €92k to €39k.
31-12
Financial
Equity above €500kEq €885k ▲102%
Equity rises from €438k to €885k.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Liquidity times 9current ratio 17.21
Current ratio from 2.02 to 17.21; short-term debt falls from €98k to €92k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Back to profitnet €105k
Net result €105k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Jodoigne · 1 establishment unit since 2002
Ground area
2,503 m²
Building footprint
247 m²
Volume, LiDAR
1,640 m³
Parcel 25048E0275/00G003, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chemin de Bomal(Jod.) 2, 1370 Jodoigne
since 20022.114.173.891
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25048E0275/00G003 | Wallonia | 2,503 m² | 1 · 247 m² | 9.7 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.
Similar companies · same sector, comparable size
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TRANS EXECUTIVE
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SD SECURITY
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Of 700 companies in sector 80010 we hold annual accounts for 349. 171 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
Founded23-10-2002
Fiscal year end31-12
Activities, NACEBEL 2025
80010Investigation and private security services
66210Risk and damage evaluation
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.