Equity
€205,760 ▼ 43.0%
XABEL paid out €152,397 in dividends in a year with a loss of €2,970.
XABEL
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €154,546 (2019)
€5,831▼ 82.3%
lowest -€106,256 (2006)
-€2,970▼ €23,403
peak €361,127 (2024)
€205,760▼ 43.0%
€210,770▲ 146%
Board1 name since 2021
1 directorGEUBEL François-Xavier
Documentsfilings and deeds
30-07-20261 day before the deadline
2025micro format
Gross margin from €32,945 to €5,831Loss of €2,970Dividend €152,397Equity from €361,127 to €205,760Debts from €85,611 to €210,770Investments €51,609
Key points
from the 2025 annual accountsLiquidity
1.12 was 4.98 in 2024
Short-term debts rose from €61,027 to €203,305.
Position in the sector
-€2,970
Lower net result than 84% of companies in head offices and management consultancy. Sector median €27,168 · 39,358 companies.
Checked score
82
Excellent
Financially stronger than 22% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,568 companies (NACE 70, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%highest value
01-2025: 0.2%▼ -0.5 percentage points vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.3%▲ +0.1 percentage points vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.2%▼ -0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.2%● unchanged vs 12-2025
02-2026: 0.2%● unchanged vs 01-2026
03-2026: 0.2%● unchanged vs 02-2026lowest value
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 1.12, cash €0
lowers risk
Size: total assets €416,530
Sector: Activities of head offices; management consultancy activities (NACE 70)
Founded in 2003
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 45% of them on solvency, 11% on liquidity, 16% on profitability and 14% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as XABEL has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of XABEL itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for XABEL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.12 (4.98 in 2024), below the usual 1.5. Short-term debt is 48.8% and cash 0% of total assets. 50.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
9 days early
2023
15 days early
2022
18 days late
2021
6 days early
2020
23 days early
2019
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 5 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- GEUBEL François-Xavier Marie Joseph all the sharesdeed of 27-12-2022
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0479345294
Registered office moved from Brussels to Neufchâteau
New registered office: Le Monti Djauquet 10, Respelt, 6840 Neufchâteau · Previous registered office: Avenue Brugmann 427, bte 7, 1180 Bruxelles · Reappointment: GEUBEL François-Xavier Marie Joseph (director) · General meeting of 16-12-2022 · Gazette deed
First establishment
Floréallaan 168, Uccle
Incorporation
published on 27-01-2003 · Gazette deed
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as XABEL: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €372,000 and €508,000, founded between 2001 and 2006.
Official details
Source: KBO- Status
- Active since 17-01-2003Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.126.933.7471180 Uccle, since 04-04-2003
- Financial year end
- 31 December
- Peppol
- Reachable since 18-02-2025
Annual accounts 2025
- ≈ €27,000estimated
- €416,530▼ 6.8%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on XABEL
XABEL files the micro format. That format states no turnover. The gross margin fell from €64,678 in 2006 to €5,831 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about XABEL
- What is the company number of XABEL?
- The company number of XABEL is 0479.345.294. The VAT number is the same number with BE in front: BE 0479.345.294.
- Where is XABEL based?
- The registered office is at Le Monti Djauquet,RESPELT 10, 6840 Neufchâteau.Company details
- What does XABEL do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of XABEL?
- XABEL is a private limited company (BV).
- When was XABEL founded?
- XABEL was founded on 17-01-2003.
- Is XABEL still active?
- Yes, XABEL is an active enterprise in the KBO register.
- What is the turnover of XABEL?
- The turnover in financial year 2025 is ≈ €27,000. This figure is estimated from the gross margin of €5,831 and 204 comparable companies (NACE 70200). It probably lies between €13,000 and €54,000. It is a rough estimate.Financials
- Is XABEL profitable?
- In financial year 2025, XABEL made a loss of €2,970.
- Where can I find the annual accounts of XABEL?
- XABEL filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of XABEL due?
- XABEL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.