Skip to content
Checked.be
Complete company report
Generated 12-08-2026
Active BE 0403.376.577Public limited company

X.L. Immobilier

Jourdanstraat 34 ·1060 Sint-Gillis (bij-Brussel), Belgium· 58 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of X.L. Immobilier is 1.8% (moderate). The 2023 annual accounts show equity of €1.09M and a net result of €-277k. Equity is growing by ~14.4% per year across the filed fiscal years. The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €1.09M
Net result €-277k
Active 58 yrs
Locations 2
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health7Profitability0Solvency12Growth78Stability100
39 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 7
Profitability 0
Solvency 12
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
1.8% Moderate
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Long track record −Higher-failure-rate region +

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1968, 58 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 Flags 0 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.
Health barometer FY 2023 · computed
7 / 100 Critical
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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 04-02-2025 with the NBB · fiscal year 2023 · volledig
€-3.00M€-2.00M€-1.00M€0Operating result 2019: €318k€318kNet result 2019: €-2.95M€-2.95MOperating result 2020: €108k€108kNet result 2020: €-2.67M€-2.67MOperating result 2021: €221k€221kNet result 2021: €167k€167kOperating result 2022: €179k€179kNet result 2022: €104k€104kOperating result 2023: €-260k€-260kNet result 2023: €-277k€-277k20192020202120222023
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 ~14.4%/year over 6 fiscal years, indicative, assuming unchanged policy.
€500k€1.00M€1.50M€2.00M2024: €1.68M (€1.59M - €1.77M)2025: €1.84M (€1.70M - €1.98M)2026: €2.00M (€1.81M - €2.18M)2018: €503k2019: €894k2020: €1.09M2021: €1.26M2022: €1.37M2023: €1.09M201820192020202120222023202420252026
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).

EBITDA
€-126k
- 18-23
Net profit
€-277k
- 18-23
Cash flow
€-143k
- 18-23
Total assets
€8.77M
+33.4% 18-23
Equity
€1.09M
-20.3% 18-23
Working capital
€-2.33M
- 18-23
Employees (FTE)
0
- 18-23
Income taxes
€0
-100.0% 18-23
Debt
€6.95M
+56.2% 18-23
Debt ≤ 1y
€6.95M
+313.9% 18-23
Debt > 1y
€0
-100.0% 18-23
Current ratio
0.67
-51.3% 18-23
Quick ratio
0.66
-51.1% 18-23
Solvency
12.4%
-40.2% 18-23
Debt / equity
6.38
+96.0% 18-23
ROE
-25.4%
- 18-23
ROA
-3.2%
- 18-23
Interest coverage
-0.90
- 18-23
Figures by fiscal year
Fiscal year2023
Depositvolledig
Revenue-
EBITDA€-126k
Net profit€-277k
Cash flow€-143k
Staff costs-
Income taxes-
Dividends-
Total assets€8.77M
Equity€1.09M
Debt€6.95M
of which ≤ 1y€6.95M
of which > 1y€0
Working capital€-2.33M
Employees (FTE)0.0
Ratios (computed)
2023
Current ratio0.67
Quick ratio0.66
Working capital ratio-26.5%
Solvency12.4%
Debt / equity6.38
Long-term debt ratio0.00
Interest coverage-0.90
Gross margin-
Net margin-
ROA-3.2%
ROE-25.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€8.77M
Fixed assets 21/28€4.15M
Tangible fixed assets 22/27€4.15M
Financial fixed assets 28€0
Current assets 29/58€4.62M
Stocks & contracts in progress 3€18k
Amounts receivable within one year 40/41€4.60M
Cash & bank 54/58€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€8.77M
Equity 10/15€1.09M
Contributions / capital 10/11€1.02M
Reserves 13€2.49M
Accumulated profits (losses) 14€-2.42M
Provisions & deferred taxes 16€738k
Amounts payable 17/49€6.95M
Amounts payable after one year 17€0
Amounts payable within one year 42/48€6.95M
Trade debts payable within one year 44€373k
Income statement
Gross operating margin 9900€76k
Operating result 9901€-260k
Financial income 75€96k
Financial charges 65€141k
Result before taxes 9903€-305k
Net result for the period 9904€-277k
Result to be appropriated 9905€-193k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary -
Legal form Public limited company(014)
Incorporation01-01-1968
StatusActive
Postal code1060
Establishment units 2 locations
Establishment
Bemiddeling in onroerend goed
since 19322.003.796.009
XL IMMOBILIER
Louis Lepoutrelaan 109, 1050 ElseneVerhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
since 20182.314.794.241
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels 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.

Brussels 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21822R0226/00W011 Brussels 3,529 m² 1 · 1,878 m² 38.1 m · 7 fl.
21013B0006/00G014 Brussels 1,474 m² 1 · 998 m² 22.8 m · 6 fl.
21447B0313/00E023 Brussels 506 m² 1 · 424 m² 28.6 m · 9 fl.
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
12-06-2025
State Gazette act Registered-office change
04-02-2025
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
09-10-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
07-04-2023
State Gazette act Registered-office change
2022
28-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
10-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
31-07-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
08-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
30-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
10-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
19-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
04-09-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
Belgisch Staatsblad, acts 2 acts
Address history · 2
12-06-2025
Registered-office move
07-04-2023
Registered-office move
All acts · 2 updated 1 year ago
2025
12-06-2025 Registered office moved to Bruxelles Registered-office change
  • -34 (rdc) rue Jourdan, à 1060 Bruxelles.
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "combined",
      "new_address": {
        "raw": "-34 (rdc) rue Jourdan, \u00E0 1060 Bruxelles.",
        "city": "Bruxelles",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "rue Jourdan",
        "country": "BE",
        "postcode": "1060",
        "box_number": "(rdc)",
        "street_number": "34",
        "locality_suffix": null
      },
      "old_address": null,
      "effective_date": "2025-05-26",
      "evidence_quote": "L\u0027administrateur unique d\u00E9cide de proc\u00E9der au transfert du si\u00E8ge de la Soci\u00E9t\u00E9 ainsi que de l\u0027adresse de son unit\u00E9 d\u0027exploitation enregistr\u00E9e sous le num\u00E9ro 2.003.796.009, \u00E0 l\u0027adresse suivante, \u00E0 dater du 26 mai 2025:",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "inferred",
      "statute_clause_text": null,
      "statute_article_number": 2,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": "2025-06-12",
    "filing_date": "2025-06-04",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "enig_aandeelhouder_schriftelijk",
    "date": "2025-05-26",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0403.376.577",
    "name_full": "X.L. Immobilier",
    "legal_form": "SA",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "Bijlagen bij ij het Belgisch Staat atsblad",
    "Annexes du Moniteur belge"
  ]
}
2023
07-04-2023 Registered office moved to Bruxelles Registered-office change
  • Avenue Louise 523 à 1050 Bruxelles
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "unite_exploitation",
      "new_address": {
        "raw": "Avenue Louise 523 \u00E0 1050 Bruxelles",
        "city": "Bruxelles",
        "region": "brussels_hoofdstedelijk_gewest",
        "street": "Avenue Louise",
        "country": "BE",
        "postcode": "1050",
        "box_number": null,
        "street_number": "523",
        "locality_suffix": null
      },
      "old_address": null,
      "effective_date": "2023-02-20",
      "evidence_quote": "L\u0027administrateur unique d\u00E9cide de proc\u00E9der au transfert du si\u00E8ge de la Soci\u00E9t\u00E9, ainsi que de l\u0027adresse de son unit\u00E9 d\u0027exploitation enregistr\u00E9e sous le num\u00E9ro 2.003.796.009, \u00E0 l\u0027adresse suivante, et ce avec effet au 20/02/2023:",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "inferred",
      "statute_clause_text": null,
      "statute_article_number": 2,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2023-03-30",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decision": {
    "body": "enig_aandeelhouder_schriftelijk",
    "date": "2023-03-03",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0403.376.577",
    "name_full": "X.L. IMMOBILIER",
    "legal_form": "Soci\u00E9t\u00E9 anonyme"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Julie Decelle",
    "org_rep_person_name": null,
    "person_role_at_subject": "Mandataire"
  },
  "co_filed_documents": [
    "Bijlagen bij het Belgisch Sta\u00E4tsbl\u00E4\u0111",
    "Annexes du Moniteur b\u0117lg\u00E9"
  ]
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameFR X.L. Immobilier
Registered office
Jourdanstraat 34 bus RDC
1060 Sint-Gillis (bij-Brussel), Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative