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Xpert Medic

Active
Private limited company·Activiteiten van huisartspraktijken· 3 yrs active
Rue François-Bovesse 2 ·5030 Gembloux, Belgium
KBO/BCE: BE 0797.713.647
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Belgian State Gazette acts: 0 of 1 read
Age3 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Xpert Medic is 0.2% (very low). The 2025 annual accounts show equity of €292k and a net result of €87k. Its solvency ranks better than 79% of 2220 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 79% of 2220 peers (2025). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 30-06. 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 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 30-01-2026 1 d early 2026-00026141
30-06-2024 31-01-2025 31-01-2025 on the day 2025-00027143
30-06-2023 31-01-2024 31-12-2023 31 d early 2024-00546419

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
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
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
0.2% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€87k+24.4%
Working capital€284k+338.6%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · micro
€0€50k€100kOperating result 2023: €88k€88kNet result 2023: €70k€70kOperating result 2025: €121k€121kNet result 2025: €87k€87k20232025
Operating resultNet result
Sector comparison
Fiscal year 2025 · NACE 86, Human health · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 85.6% 58.1%
better than 79% of 2220 sector peers
Net result €87k €60k
better than 63% of 2218 sector peers
Equity €292k €74k
better than 87% of 2220 sector peers
Gross operating margin €127k €95k
better than 62% of 2220 sector peers
Total assets €341k €187k
better than 75% of 2220 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€126k
+41.8% 23-25
Net profit
€87k
+24.4% 23-25
Cash flow
€91k
+28.6% 23-25
Total assets
€341k
+191.7% 23-25
Equity
€292k
+291.2% 23-25
Working capital
€284k
+338.6% 23-25
Income taxes
€35k
+96.6% 23-25
Debt
€49k
+16.1% 23-25
Show 8 other metrics
Debt ≤ 1y
€49k
+16.2% 23-25
Current ratio
6.79
+167.9% 23-25
Quick ratio
6.79
+167.9% 23-25
Solvency
85.6%
+34.1% 23-25
Debt / equity
0.17
-70.3% 23-25
ROE
29.7%
-68.2% 23-25
ROA
25.4%
-57.3% 23-25
Interest coverage
195.58
-73.6% 23-25
Figures by fiscal year
Fiscal year2025
Depositmicro
Revenue-
EBITDA€126k
Net profit€87k
Cash flow€91k
Staff costs-
Income taxes€35k
Dividends-
Total assets€341k
Equity€292k
Debt€49k
of which ≤ 1y€49k
of which > 1y-
Working capital€284k
Employees (FTE)-
Ratios (computed)
2025
Current ratio6.79
Quick ratio6.79
Working capital ratio83.3%
Solvency85.6%
Debt / equity0.17
Long-term debt ratio-
Interest coverage195.58
Gross margin-
Net margin-
ROA25.4%
ROE29.7%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
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€341k
Fixed assets 21/28€8k
Tangible fixed assets 22/27€7k
Financial fixed assets 28€1k
Current assets 29/58€333k
Amounts receivable within one year 40/41€154k
Cash & bank 54/58€178k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€341k
Equity 10/15€292k
Contributions / capital 10/11€5k
Reserves 13€79k
Accumulated profits (losses) 14€208k
Amounts payable 17/49€49k
Amounts payable within one year 42/48€49k
Trade debts payable within one year 44€15k
Income statement
Gross operating margin 9900€127k
Operating result 9901€121k
Financial income 75€948
Financial charges 65€645
Result before taxes 9903€122k
Income taxes 67/77€35k
Net result for the period 9904€87k
Result to be appropriated 9905€87k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
100 / 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.

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.

Rue François-Bovesse 25030 Gembloux

Establishment units

1 location
Xpert Medic
Rue François-Bovesse 2, 5030 GemblouxActiviteiten van huisartspraktijken
since 20232.340.927.922
Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

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

Financial profile

5 of 5 axes measured
Health100Profitability100Solvency100Growth78Stability94
94 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100
Profitability 100
Solvency 100
Growth 78
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, 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 2,100 of the 9,102 companies in this sector. 1,704 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Activiteiten van huisartspraktijken86210
Primary activity highlighted.
Names & trade names
Legal nameFR Xpert Medic
Registered office
Rue François-Bovesse 2
5030 Gembloux, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.