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Generated 04-09-2026
Active BE 0649.418.760Private limited company

EXPRESS-DESK SOLUTIONS

Avenue du Général Lobau 23 ·1380 Lasne, Belgium· 10 yrs active
Sector: Computer programming (62100)
Conclusion Checked

EXPRESS-DESK SOLUTIONS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221k and a net result of €108k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 40% of 2768 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €221k
Net result €108k
Staff (FTE) 1
Better than sector 40%
Financial profile 5 of 5 axes measured · computed by Checked
Health86Profitability100Solvency78Growth52Stability100
83 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 86
Profitability 100
Solvency 78
Growth 52
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.2% Very low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Established
Founded in 2016, 10 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
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.
Checked score FY 2025 · computed
86 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview9 NBB filings
Annual accounts filed on 02-01-2026 with the NBB · fiscal year 2025 · micro schema
€0€50k€100k€150kOperating result 2023: €165k€165kNet result 2023: €120k€120kOperating result 2024: €120k€120kNet result 2024: €91k€91kOperating result 2025: €142k€142kNet result 2025: €108k€108k202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~7.7%/year over 3 fiscal years, indicative, assuming unchanged policy.
€150k€200k€250k€300k2026: €238k (€220k - €256k)2027: €255k (€237k - €273k)2028: €272k (€254k - €290k)2023: €187k2024: €277k2025: €221k202320242025202620272028
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2025 · NACE 62, Computer programming, consultancy and related activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 47.3% 62.1%
better than 40% of 2768 sector peers
Net result €108k €39k
better than 94% of 2770 sector peers
Equity €221k €62k
better than 91% of 2769 sector peers
Gross operating margin €212k €62k
better than 95% of 2770 sector peers
Staff costs €41k €17k
higher than 67% of 368 sector peers
EBITDA
€170k
+19.0% 23-25
Net profit
€108k
+19.5% 23-25
Cash flow
€137k
+20.4% 23-25
Total assets
€467k
+46.1% 23-25
Equity
€221k
-20.4% 23-25
Working capital
€92k
-46.2% 23-25
Employees (FTE)
1
+150.0% 23-25
Staff costs
€41k
+158.8% 23-25
Income taxes
€37k
+11.5% 23-25
Dividends
€165k
+15.4% 23-25
Debt
€246k
+481.4% 23-25
Debt ≤ 1y
€246k
+500.0% 23-25
Current ratio
1.37
-73.4% 23-25
Quick ratio
1.37
-73.4% 23-25
Solvency
47.3%
-45.5% 23-25
Debt / equity
1.11
+630.2% 23-25
ROE
49.1%
+50.2% 23-25
ROA
23.2%
-18.2% 23-25
Interest coverage
699.55
+56.1% 23-25
Figures by fiscal year and ratios
Fiscal year2025
Depositmicro schema
Revenue-
EBITDA€170k
Net profit€108k
Cash flow€137k
Staff costs€41k
Income taxes€37k
Dividends€165k
Total assets€467k
Equity€221k
Debt€246k
of which ≤ 1y€246k
of which > 1y-
Working capital€92k
Employees (FTE)1.0
Ratios (computed)
2025
Current ratio1.37
Quick ratio1.37
Working capital ratio19.7%
Solvency47.3%
Debt / equity1.11
Long-term debt ratio-
Interest coverage699.55
Gross margin-
Net margin-
ROA23.2%
ROE49.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan. See plans →
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€467k
Fixed assets 21/28€129k
Tangible fixed assets 22/27€129k
Financial fixed assets 28€265
Current assets 29/58€338k
Amounts receivable within one year 40/41€133k
Cash & bank 54/58€200k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€467k
Equity 10/15€221k
Contributions / capital 10/11€20k
Reserves 13€199k
Accumulated profits (losses) 14€1k
Amounts payable 17/49€246k
Amounts payable within one year 42/48€246k
Trade debts payable within one year 44€71k
Income statement
Gross operating margin 9900€212k
Operating result 9901€142k
Financial income 75€4k
Financial charges 65€243
Result before taxes 9903€145k
Income taxes 67/77€37k
Net result for the period 9904€108k
Result to be appropriated 9905€108k
Legal Structure
NACE primary Computer programming(62100)
Legal form Private limited company(610)
Incorporation26-02-2016
StatusActive
Postal code1380
Establishment units 1 location
Express-Desk Solutions
Avenue du Général Lobau 23, 1380 LasneComputer programming, consultancy and related activities
since 20162.250.926.372
Real-estate footprint Source: CBE × cadastre
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25061A0088/00N000 Wallonia 2,386 m² 1 · 238 m² 11.8 m · 3 fl.
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.
Updates 10 events
Next filing, fiscal year 2026, expected by 31-01-2027
2026
02-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
21-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial Weakest financial yearnet €91k ▼24.6%
Net result drops to €91k, the lowest in the series; recovery starts the following year.
30-06
Financial Liquidity triplescurrent ratio 5.16
Current ratio from 1.51 to 5.16; short-term debt falls from €211k to €41k.
30-06
Financial Equity above €200kEq €277k ▲48.6%
2 profitable years in a row build equity to €277k.
02-01
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
State Gazette act Capital & shares
Frederic CONVENT
03-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
04-01
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
05-01
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
15-01
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
11-01
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2018
17-01
NBB filing Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage 0 of 5 acts read

We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
Capital history · 1
25-07-2023
Capital change
All acts · 1 updated 3 years ago
2023
25-07-2023 All shares are now held by a single shareholder Capital & shares·Frederic CONVENT
Notary: Frederic CONVENT · Elsene
Technical details 
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  "act_meta": {
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    "pub_date": "2023-07-25",
    "filing_date": "2023-07-14",
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Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Computer programming, consultancy and related activities62010IT consultancy62020Computer programming62100Computer consultancy and computer facilities management62200Computer programming, consultancy and related activities62030Other information technology and computer services62900Computing infrastructure, data processing, hosting and other information service activities63120Web portal activities63910
Names & trade names
Legal nameNL EXPRESS-DESK SOLUTIONS
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative