Summary
Conclusion
the dossier summarised in one paragrapheXios 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 €4k and a net result of €-19k. Equity is growing by ~83.2% per year across the filed fiscal years. Its solvency ranks better than 12% of 773 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
1 signal · with evidenceSignals 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| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not confirmed | - |
| 31-12-2024 | 31-07-2025 | 25-08-2025 | 25 d late | 2025-00418167 |
| 31-12-2023 | 31-07-2024 | 14-08-2024 | 14 d late | 2024-00359740 |
| 31-12-2022 | 31-07-2023 | 30-07-2023 | 1 d early | 2023-00292397 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. 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 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis 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
Annual accounts & ratios
Source: NBB · 2024How 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).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 0.9% | 38.6% | |
| Net result | €-19k | €28k | |
| Equity | €4k | €62k | |
| Gross operating margin | €14k | €66k | |
| Staff costs | €30k | €63k |
Show 4 other metrics
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €-19k |
| Cash flow | n/a |
| Staff costs | €30k |
| Income taxes | €-1k |
| Dividends | - |
| Total assets | €401k |
| Equity | €4k |
| Debt | €397k |
| of which ≤ 1y | €389k |
| of which > 1y | €9k |
| Working capital | n/a |
| Employees (FTE) | 1.0 |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 0.9% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | -4.8% |
| ROE | -539.3% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Full annual accounts (24 line items)
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €401k |
| Fixed assets | 21/28 | €16k |
| Intangible fixed assets | 21 | €1k |
| Tangible fixed assets | 22/27 | €10k |
| Financial fixed assets | 28 | €5k |
| Current assets | 29/58 | €385k |
| Amounts receivable within one year | 40/41 | €362k |
| Cash & bank | 54/58 | €16k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €401k |
| Equity | 10/15 | €4k |
| Contributions / capital | 10/11 | €15k |
| Accumulated profits (losses) | 14 | €-11k |
| Amounts payable | 17/49 | €397k |
| Amounts payable after one year | 17 | €9k |
| Amounts payable within one year | 42/48 | €389k |
| Trade debts payable within one year | 44 | €375k |
| Income statement | ||
| Gross operating margin | 9900 | €14k |
| Operating result | 9901 | €-20k |
| Financial income | 75 | €124 |
| Financial charges | 65 | €577 |
| Result before taxes | 9903 | €-20k |
| Income taxes | 67/77 | €-1k |
| Net result for the period | 9904 | €-19k |
| Result to be appropriated | 9905 | €-19k |
Health barometer
FY 2024 · computedDirectors
Directors & mandates
5 directors-
LVD ConsultingLegal entityDirector· perm. rep.: Daniel MoíaméState Gazette act 23050749 (14-04-2023)Current10-03-2023 → present
-
SRL Celilly ConsultingLegal entityDirector· perm. rep.: Patrick EvrardState Gazette act 21312600 (25-02-2021)Current22-02-2021 → present
-
SRL ProPhil ConsultingLegal entityDirector· perm. rep.: Philippe CaudronState Gazette act 21312600 (25-02-2021)Current22-02-2021 → present
Former directors (2)
-
Former- → 22-02-2021
-
Former- → 22-02-2021
Insolvency mandates
Legal Structure
| NACE primary | Activiteiten van verzekeringsagenten en -makelaars(66220) |
| Legal form | Private limited company(610) |
| Incorporation | 20-02-2021 |
| Status | Active |
| Postal code | 1050 |
Structure & network
Connections & network
1 connected companyLocations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0113/00L002 | Brussels | 385 m² | 1 · 135 m² | 32.6 m · 7 fl. |
Publications
Lifecycle & Insolvency Signals
Belgisch Staatsblad · acts
5 acts30-04-2026 Officer resignation · Officer discharge · Act object
- Filing: 2026-04-23 · eXios
- Publication: 2026-04-30 · eXios
- Officer resignation: role: administrateur, effective_date: immediate · Daniel Moriamé
- Officer discharge · Daniel Moriamé
- Act object: Démission
03-04-2024 Registered office moved within Bruxelles
- Rue de Genève 10, 1140 Bruxelles → Avenue Louise 184, 1050 Bruxelles
14-04-2023 Daniel Moíamé appointed as director
25-02-2021 2 directors appointed, 2 resigning
- Patrick Evrard, Bestuurder
- Philippe Caudron, Bestuurder
- Patrick Evrard, Bestuurder
- Philippe Caudron, Bestuurder
24-02-2021 Incorporation of a new SRL
Analysis
Financial profile
4 of 5 axes measuredFragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameFR | eXios |