X-CARRÉ
ActiveSummary
The computed 12-month bankruptcy probability of X-CARRÉ is 3.6% (moderate). The annual accounts of X-CARRÉ for fiscal year 2025 show a net loss of 234% of total assets and of 78% of the equity at the start of that year. The 2025 annual accounts show equity of €10k and a net result of €-33k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 78% of 1517 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-75
Solvency92▼-8
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
3.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 4.39 against 2.38 in 2024; short-term debt: 16.6% and cash: 44.8% of total assets), and 32.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67.5%
Return on assets
-234.2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
23 d early
2023
2 d early
2022
3 d early
2021
34 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€10k▼ 77.6%
2024 · €43k
2021: €24k
2022: €37k
2023: €40k
2024: €43k
2021 → 2025
Total assets
€14k▼ 74.6%
2024 · €56k
2021: €132k
2022: €130k
2023: €114k
2024: €56k
2021 → 2025
Net result
€-33k
2024 · €3k
2021: €19k
2022: €13k
2023: €3k
2024: €3k
2021 → 2025
Working capital
€8k▼ 54.8%
2024 · €18k
2021: €-30k
2022: €-26k
2023: €-12k
2024: €18k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€37k▲ 52.5%€40k▲ 8.9%€43k▲ 7.5%€10k▼ 77.6%
Operating result€20k-€18k▼ 12.3%€7k▼ 62.8%€6k▼ 15.2%€-36k
Net result€19k-€13k▼ 33.7%€3k▼ 74.0%€3k▼ 8.9%€-33k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €36k after €6k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€4k ▼ 84.8%
Current assets
€10k ▼ 66.0%
Equity and liabilities €14k
Equity
€10k ▼ 77.6%
Debt
€5k ▼ 64.5%
Debt's share of the balance-sheet total rises from 23.3% to 32.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-17k▼
2024 · €26k
Cash flow
€-14k▼
2024 · €23k
Current ratio
4.39▲
2024 · 2.38
Debt to equity
0.48▲
2024 · 0.30
ROE
-347.1%▼
2024 · 7.0%
ROA
-234.2%▼
2024 · 5.3%
Interest coverage
-74.66▼
2024 · 36.93
Debt ≤ 1 year
€2k▼
2024 · €13k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€56k€14k▼
Fixed assets21/28€25k€4k▼
Intangible fixed assets21€529€443▼
Tangible fixed assets22/27€24k€3k▼
Plant, machinery and equipment23€337€301▼
Furniture and vehicles24€23k€3k▼
Other tangible fixed assets26€593€503▼
Financial fixed assets28€800-
Current assets29/58€30k€10k▼
Amounts receivable within one year40/41€4k€4k▲
Trade receivables40€1k€4k▲
Other amounts receivable41€3k€174▼
Cash at bank and in hand54/58€26k€6k▼
Deferred charges and accrued income490/1€157-
Equity and liabilities
Total equity and liabilities10/49€56k€14k▼
Equity10/15€43k€10k▼
Contributions10/11€5k€5k=
Reserves13€38k€5k▼
Distributable reserves133€38k€5k▼
Amounts payable17/49€13k€5k▼
Amounts payable within one year42/48€13k€2k▼
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€10k€591▼
Suppliers440/4€10k€591▼
Taxes, remuneration and social security45€3k€240▼
Taxes450/3€3k€240▼
Other amounts payable47/48€12-
Accrued charges and deferred income492/3€266€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€19k▼
Other operating charges640/8€453€467▲
Non-recurring operating charges66A€5k-
Gross operating margin9900€36k€-17k▼
Operating profit (loss)9901€6k€-36k▼
Financial income75/76B€599€3k▲
Recurring financial income75€599€177▼
Non-recurring financial income76B-€3k
Financial charges65/66B€692€229▼
Recurring financial charges65€692€229▼
Profit (loss) for the period before taxes9903€5k€-33k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€3k€-33k▼
Profit (loss) for the period to be appropriated9905€3k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-33k▼
Transfer from equity791/2-€33k
Transfer to equity691/2€3k-
To other reserves6921€3k-
The notes to these accounts (11 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-33k ▼1216%
Net result drops to €-33k, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2.38
Current ratio from 0.84 to 2.38; short-term debt falls from €74k to €13k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wanze · 2 establishment units since 2021
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 Betonval(WAN) 84520 WanzeGround area
4,446 m²
Building footprint
92 m²
Volume, LiDAR
654 m³
2 parcels, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
FUNTRAIL
since 20212.313.944.896
FUNTRAIL
since 20212.313.944.995
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92402E0014/00F000indicative | Wallonia | 3,281 m² | 1 · 18 m² | - |
| 61072A0068/00Z004 | Wallonia | 1,165 m² | 1 · 74 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 977 companies in sector 77210 we hold annual accounts for 217. 113 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
Founded08-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
77210Renting and leasing of sports and recreation goods
51100Air transport
77399Renting and leasing of other machinery, equipment and tangible goods
79110Travel agency activities
79901Tourist information services
93293Sports, amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.