X & Co Agentuur
ActiveX & Co Agentuur has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €-4k. Equity is shrinking by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 4827 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▲+16
Solvency36▼-3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.02 against 0.01 in 2024; short-term debt: 89.5% and cash: 0% of total assets), and 89.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
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
10.5%
Return on assets
-2.4%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-4k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 4827 sector peers (2025).
NBB · sector comparisonPosition among 4827 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
45 d early
2023
29 d late
2022
30 d late
2021
30 d late
2020
31 d late
2019
43 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-4k▼ 15.3%
2024 · €-3k
2018: €-11k
2019: €-8k
2020: €-9k
2021: €-12k
2022: €-8k
2023: €-7k
2024: €-3k
2018 → 2025
Working capital
€-139k▼ 10.1%
2024 · €-126k
2018: €-54k
2019: €-93k
2020: €-58k
2021: €-65k
2022: €-76k
2023: €-85k
2024: €-126k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€38k-€30k▼ 20.7%€24k▼ 22.1%€20k▼ 13.7%€17k▼ 18.4%
Operating result€-11k-€-8k▲ 30.8%€-7k▲ 15.1%€-3k▲ 51.8%€-4k▼ 16.9%
Net result€-12k-€-8k▲ 32.0%€-7k▲ 15.7%€-3k▲ 51.4%€-4k▼ 15.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €3k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €158k
Fixed assets
€156k▲ 6.2%
Current assets
€3k▲ 228%
Equity and liabilities €158k
Equity
€17k▼ 18.4%
Debt
€142k▲ 11.6%
The debt ratio rises from 86.1% to 89.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▼
2024 · €-2k
Cash flow
€-2k▼
2024 · €-2k
Solvency
10.5%▼
2024 · 13.9%
Current ratio
0.02▲
2024 · 0.01
Quick ratio
0.02▲
2024 · 0.01
Debt / equity
8.49▲
2024 · 6.21
ROE
-22.5%▼
2024 · -15.9%
ROA
-2.4%▼
2024 · -2.2%
Debt
€142k▲
2024 · €127k
Debt ≤ 1 year
€142k▲
2024 · €127k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€147k€158k▲
Fixed assets21/28€147k€156k▲
Tangible fixed assets22/27€147k€156k▲
Land and buildings22€147k€156k▲
Plant, machinery and equipment23-€0
Furniture and vehicles24-€0
Current assets29/58€877€3k▲
Amounts receivable within one year40/41€50-
Other amounts receivable41€50-
Cash at bank and in hand54/58€827€3▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€147k€158k▲
Equity10/15€20k€17k▼
Contributions10/11€159k€159k=
Capital10€124k€124k=
Issued capital100€124k€124k=
Outside capital11€34k€34k=
Share premium1100/10€34k€34k=
Revaluation surpluses12€11k€11k=
Reserves13€10k€10k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Profit (loss) carried forward14€-159k€-163k▼
Amounts payable17/49€127k€142k▲
Amounts payable within one year42/48€127k€142k▲
Trade debts44€3k€14k▲
Suppliers440/4€3k€14k▲
Other amounts payable47/48€124k€127k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€149€-887▼
Operating profit (loss)9901€-3k€-4k▼
Financial charges65/66B€44-
Recurring financial charges65€44-
Profit (loss) for the period before taxes9903€-3k€-4k▼
Profit (loss) for the period9904€-3k€-4k▼
Profit (loss) for the period to be appropriated9905€-3k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-159k€-163k▼
Profit (loss) brought forward from the previous period14P€-156k€-159k▼
The notes to these accounts (6 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 25 days late
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
04-09-2025
Dewinter Amelie: Resigned as Director
04-09-2025
Dewinter Geraldine: Resigned as Director
04-09-2025
Dewinter Geraldine: Resigned as Managing director
04-09-2025
Lamquet Johanna: Resigned as Director
14-12-2023
Dewinter Amelie: Resigned as Director
14-12-2023
Dewinter Geraldine: Resigned as Director
01-04-2017
Lamquet Johanna: Resigned as Director
Location & real-estate footprint
Registered office, Beernem · 1 establishment unit since 1994
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.
Noendreef 98730 BeernemGround area
5,810 m²
Building footprint
208 m²
Volume, LiDAR
1,138 m³
Parcel 31003D0607/00F003, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
X & CO AGENTUUR
since 19942.067.274.886
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003D0607/00F003 | Flanders | 5,810 m² | 1 · 207 m² | 9.1 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.
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Of 1,275 companies in sector 46160 we hold annual accounts for 685. 428 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-06-1994
Fiscal year end31-12
Activities, NACEBEL
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
51160
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:0475 464411
Fax:050/79 22 32