XAMO'S
ActiveXAMO'S is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €6.73M and a net result of €1.28M. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 91% of 3169 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
45 d early
2023
7 d early
2022
17 d late
2021
31 d late
2020
31 d late
2019
31 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€6.73M▲ 20.1%
2024 · €5.60M
2018: €5.07M
2019: €5.14M
2020: €4.20M
2021: €4.49M
2022: €5.69M
2023: €5.25M
2024: €5.60M
2018 → 2025
Net result
€1.28M▲ 166%
2024 · €480k
2018: €1.26M
2019: €64k
2020: €-934k
2021: €292k
2022: €1.19M
2023: €-334k
2024: €480k
2018 → 2025
Total assets
€6.98M▲ 20.4%
2024 · €5.80M
2018: €5.19M
2019: €5.16M
2020: €4.21M
2021: €4.53M
2022: €5.86M
2023: €5.54M
2024: €5.80M
2018 → 2025
Solvency
96.4%▼ 0.2pp
2024 · 96.7%
2018: 97.7%
2019: 99.5%
2020: 99.8%
2021: 99.3%
2022: 97.0%
2023: 94.8%
2024: 96.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.49M-€5.69M▲ 26.6%€5.25M▼ 7.7%€5.60M▲ 6.8%€6.73M▲ 20.1%
Operating result€3k-€-30k€44k€142k▲ 225%€533k▲ 275%
Net result€292k-€1.19M▲ 310%€-334k€480k€1.28M▲ 166%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 275% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.98M
Fixed assets
€1.29M▲ 35.7%
Current assets
€5.69M▲ 17.4%
Equity and liabilities €6.98M
Equity
€6.73M▲ 20.1%
Provisions
€88k
Debt
€160k▼ 16.7%
The debt ratio falls from 3.3% to 2.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
96.4%▼
2024 · 96.7%
ROE
19.0%▲
2024 · 8.6%
ROA
18.3%▲
2024 · 8.3%
Debt
€160k▼
2024 · €192k
Debt ≤ 1 year
€160k▼
2024 · €192k
Income taxes
€146k▲
2024 · €79k
Staff costs
€24k▲
2024 · €24k
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€5.80M€6.98M▲
Fixed assets21/28€947k€1.29M▲
Tangible fixed assets22/27€607k€945k▲
Land and buildings22€509k€864k▲
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€90k€74k▼
Other tangible fixed assets26€4k€4k=
Financial fixed assets28€340k€340k=
Current assets29/58€4.85M€5.69M▲
Amounts receivable within one year40/41€43k€155k▲
Trade receivables40€18k€14k▼
Other amounts receivable41€26k€142k▲
Current investments50/53€4.74M€5.48M▲
Cash at bank and in hand54/58€55k€54k▼
Deferred charges and accrued income490/1€6k€6k=
Equity and liabilities
Total equity and liabilities10/49€5.80M€6.98M▲
Equity10/15€5.60M€6.73M▲
Contributions10/11€1.00M€1.00M=
Capital10€1.00M€1.00M=
Issued capital100€1.00M€1.00M=
Reserves13€3.40M€4.57M▲
Non-distributable reserves130/1€340k€340k=
Legal reserve130€340k€340k=
Tax-exempt reserves132-€264k
Distributable reserves133€3.06M€3.97M▲
Profit (loss) carried forward14€1.21M€1.16M▼
Provisions and deferred taxes16-€88k
Deferred taxes168-€88k
Amounts payable17/49€192k€160k▼
Amounts payable within one year42/48€192k€160k▼
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€48k€3k▼
Taxes450/3€45k€121▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€142k€150k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A-€358k
Remuneration, social security and pensions62€24k€24k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€70k▼
Other operating charges640/8€7k€9k▲
Gross operating margin9900€246k€636k▲
Operating profit (loss)9901€142k€533k▲
Financial income75/76B€520k€978k▲
Recurring financial income75€520k€978k▲
Financial charges65/66B€104k€642▼
Recurring financial charges65€10k€642▼
Non-recurring financial charges66B€94k€0▼
Profit (loss) for the period before taxes9903€559k€1.51M▲
Transfer from deferred taxes780-€1k
Transfer to deferred taxes680-€89k
Income taxes67/77€79k€146k▲
Profit (loss) for the period9904€480k€1.28M▲
Transfer from tax-exempt reserves789-€4k
Transfer to tax-exempt reserves689-€268k
Profit (loss) for the period to be appropriated9905€480k€1.01M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.68M€2.22M▲
Profit (loss) brought forward from the previous period14P€1.21M€1.21M=
Transfer from equity791/2€125k€105k▼
Transfer to equity691/2€480k€1.01M▲
To other reserves6921€480k€1.01M▲
Profit to be distributed694/7€125k€150k▲
Return on contributions (dividend)694€125k€105k▼
Directors or managers695-€45k
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (14 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 19 days late
2025
31-12
Financial
Highest result since 2018net €1.28M ▲166%
Operating result €533k, net result €1.28M, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €480k
Net result €480k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 17 days late
2022
31-12
Financial
Equity above €5MEq €5.69M ▲26.6%
2 profitable years in a row build equity to €5.69M.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €292k
Net result €292k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-934k ▼1559%
Net result drops to €-934k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 211.00
Current ratio from 59.21 to 211.00; short-term debt falls from €27k to €7k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Liquidity times 9current ratio 59.21
Current ratio from 6.70 to 59.21; short-term debt falls from €122k to €27k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Gesves · 1 establishment unit since 2003
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.
Sur les Pierreux 55340 GesvesGround area
5,728 m²
Building footprint
141 m²
Parcel 92054B0065/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
XAMO'S
since 20032.132.441.565
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054B0065/00F000 | Wallonia | 5,728 m² | 1 · 141 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
984500DB7K0D8C4D0994
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 7,195 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded09-04-2003
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.