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XAGA

Active
Private limited company (pre-2019)founded 2003active for 23 yearsHof Te Hammelaan 4, 1785 Merchtem, BelgiumKBO/BCE: BE 0479.531.574

From the official registers: KBO 22 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

XAGA has been active since 2003 and the Belgian Official Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €13,092 and a net result of -€363. Equity has been stable since 2018 (±2.2% per year). Its solvency ranks better than 95% of 19,155 sector peers (NACE 68, financial year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

KBO
Status
Active since 12-02-2003 Normal situation
Activity
Real estate agency activities NACE 68310and 2 others
Establishment unit
2.135.481.031 1780 Wemmel, since 12-02-2003
Financial year end
31 December
Peppol
Not found in the Peppol Directory

Board and ownership

Board
  • VAN HUMBEECK GuyDirector

Financial position

56 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts 2024
Gross margin
-€168
Loss
€363
Equity
€13,092
▼ 2.7%
Total assets
€13,092
▼ 5.3%
Turnover not published (micro format)2025 accounts not filed, 93 days past the deadline
Filed on 28-08-2025PDF
Score breakdownraises riskCapped at 59: a confirmed filing findingFigures for financial year 2024 (filed on 29-08-2025)lowers riskLiquidity: cash €3,823Sector: Real estate activities (NACE 68)Founded in 2003Show the evidence

Checked score

Score 2024
56 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 59% of micro companies in real estate (NACE 68)
A confirmed filing finding caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2023
Strong
Solvency 100=
equity 100.0% of total assets
Liquidity 73-22
cash 29.2%
Profitability 31-35
return on assets -2.8%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,628 companies, NACE 68, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.2%▲ +0.1 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.1%▼ -0.1 percentage points vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.3%▲ +0.1 percentage points vs 08-2026 10-2026: 0.4%▲ +0.1 percentage points vs 09-2026highest value
Credit of up to €500 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Cash is 29.2% of total assets. 0% of the assets are financed with debt and provisions.
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 68, micro). It does better than 91% of them on solvency, 82% on liquidity, 26% on profitability and 38% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Figures for financial year 2024 (filed on 29-08-2025)
NBB · annual accounts
lowers risk · Liquidity: cash €3,823
NBB · annual accounts
lowers risk · Sector: Real estate activities (NACE 68)
KBO
lowers risk · Founded in 2003
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 93 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline01-11-2026 today
raises risk · 2024 accounts filed 28 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
28 days late
2023
30 days late
2022
60 days late
2021
282 days late
2020
61 days late
2019
59 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 87 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 95% of companies in real estatesector median 31.1% · 19,155 companies 100.0% View

Comparable companies

These companies have the same main activity as XAGA: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €11,000 and €13,500, founded between 2002 and 2005.

CompanyTotal assetsGross margin
XAGA Merchtem€13,092-€168
Park Immo Charleroi€12,689-€9,434
CARPE DIEM Huy€13,540-€5,931
COMEXBAT Durbuy€13,478-€2,997
GAEL PELTZER Saint-Ghislain€11,427-€8,469
A KEYSTONE Ottignies-Louvain-la-Neuve€11,039-€619
FLASH IMMO Boom€11,335-€3,647
Full comparison

Documents

Annual accounts at the NBB

All 22 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about XAGA

What is the company number of XAGA?
The company number of XAGA is 0479.531.574. The VAT number is the same number with BE in front: BE 0479.531.574.
Where is XAGA based?
The registered office is at Hof Te Hammelaan 4, 1785 Merchtem.Company details
What does XAGA do?
According to the KBO register, the main activity is real estate agency activities (NACE 68310).
What is the legal form of XAGA?
The legal form of XAGA is Private limited company (pre-2019) (BVBA).
When was XAGA founded?
XAGA was founded on 12-02-2003.
Is XAGA still active?
Yes, XAGA is an active enterprise in the KBO register.
What is the turnover of XAGA?
The annual accounts for financial year 2024 state no turnover. The micro format does not require it.Financials
Is XAGA profitable?
In financial year 2024, XAGA made a loss of €363.
Where can I find the annual accounts of XAGA?
XAGA filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2024.Annual accounts 2024 (PDF)

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