Xavaldho
ActiveXavaldho has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.67M and a net result of €10k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 60% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▲+4
Solvency68▲+6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 2.5 against 1.59 in 2024; short-term debt: 25.5% and cash: 4.5% of total assets), but 57% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
43%
Return on assets
0.3%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-02-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
on the day
2023
7 d early
2022
2 d early
2021
11 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.67M▲ 0.6%
2024 · €1.66M
2018: €2.45M
2019: €2.45M
2020: €2.45M
2021: €3.09M
2022: €3.29M
2023: €3.28M
2024: €1.66M
2018 → 2025
Total assets
€3.89M▼ 12.3%
2024 · €4.43M
2018: €3.35M
2019: €3.35M
2020: €3.34M
2021: €4.33M
2022: €4.43M
2023: €4.41M
2024: €4.43M
2018 → 2025
Net result
€10k
2024 · €-12k
2018: €63k
2019: €8k
2020: €-4k
2021: €644k
2022: €103k
2023: €-5k
2024: €-12k
2018 → 2025
Working capital
€1.49M▲ 35.2%
2024 · €1.10M
2018: €2.62M
2019: €2.66M
2020: €2.68M
2021: €3.79M
2022: €3.48M
2023: €2.88M
2024: €1.10M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.09M-€3.29M▲ 6.3%€3.28M▼ 0.2%€1.66M▼ 49.4%€1.67M▲ 0.6%
Operating result€1.01M-€112k▼ 88.9%€-7k€9k€64k▲ 588%
Net result€644k-€103k▼ 84.1%€-5k€-12k▼ 126%€10k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 588% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.89M
Fixed assets
€1.41M▼ 3.8%
Current assets
€2.48M▼ 16.6%
Equity and liabilities €3.89M
Equity
€1.67M▲ 0.6%
Provisions
€183k▼ 27.3%
Debt
€2.03M▼ 19.4%
The debt ratio falls from 56.9% to 52.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€119k▲
2024 · €63k
Cash flow
€65k▲
2024 · €42k
Solvency
43.0%▲
2024 · 37.5%
Current ratio
2.50▲
2024 · 1.59
Quick ratio
0.40▼
2024 · 0.43
Debt / equity
1.22▼
2024 · 1.52
ROE
0.6%▲
2024 · -0.7%
ROA
0.3%▲
2024 · -0.3%
Interest coverage
2.86▲
2024 · 2.48
Debt
€2.03M▼
2024 · €2.52M
Debt ≤ 1 year
€991k▼
2024 · €1.87M
Debt > 1 year
€1.00M▲
2024 · €625k
Income taxes
€81k▲
2024 · €3k
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€4.43M€3.89M▼
Fixed assets21/28€1.46M€1.41M▼
Tangible fixed assets22/27€1.46M€1.41M▼
Land and buildings22€1.46M€1.41M▼
Current assets29/58€2.97M€2.48M▼
Stocks and contracts in progress3€2.17M€2.08M▼
Stocks30/36€2.17M€2.08M▼
Amounts receivable within one year40/41€221k€221k=
Trade receivables40€2k€0▼
Other amounts receivable41€219k€221k▲
Cash at bank and in hand54/58€572k€174k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€4.43M€3.89M▼
Equity10/15€1.66M€1.67M▲
Contributions10/11€496k€496k=
Capital10€496k€496k=
Issued capital100€496k€496k=
Reserves13€966k€760k▼
Non-distributable reserves130/1€211k€211k=
Legal reserve130€211k€211k=
Tax-exempt reserves132€756k€549k▼
Profit (loss) carried forward14€198k€415k▲
Provisions and deferred taxes16€252k€183k▼
Deferred taxes168€252k€183k▼
Amounts payable17/49€2.52M€2.03M▼
Amounts payable after more than one year17€625k€1.00M▲
Financial debts170/4€625k€1.00M▲
Amounts payable within one year42/48€1.87M€991k▼
Trade debts44€91k€104k▲
Suppliers440/4€91k€104k▲
Taxes, remuneration and social security45€3k€76k▲
Taxes450/3€3k€76k▲
Other amounts payable47/48€1.78M€811k▼
Accrued charges and deferred income492/3€25k€41k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€55k▲
Other operating charges640/8€41k€44k▲
Gross operating margin9900€105k€162k▲
Operating profit (loss)9901€9k€64k▲
Financial income75/76B€18€0▼
Recurring financial income75€18€0▼
Financial charges65/66B€26k€41k▲
Recurring financial charges65€26k€41k▲
Profit (loss) for the period before taxes9903€-16k€22k▲
Transfer from deferred taxes780€7k€69k▲
Income taxes67/77€3k€81k▲
Profit (loss) for the period9904€-12k€10k▲
Transfer from tax-exempt reserves789€20k€206k▲
Profit (loss) for the period to be appropriated9905€8k€217k▲
Appropriation of the result
Profit (loss) to be appropriated9906€198k€415k▲
Profit (loss) brought forward from the previous period14P€191k€198k▲
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
19-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
30-09
Financial
Back to profitnet €644k
Net result €644k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Sint-Niklaas · 1 establishment unit since 1987
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.
Nauwstraat 399111 Sint-NiklaasGround area
2,113 m²
Building footprint
146 m²
Volume, LiDAR
883 m³
Parcel 46002B0806/00H000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nauwstraat 39, 9111 Sint-Niklaas
since 19872.029.657.692
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002B0806/00H000 | Flanders | 2,113 m² | 1 · 146 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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ISAKAR COPPENS
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SEPCO INVEST
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Of 9,133 companies in sector 68201 we hold annual accounts for 6,762. 4,468 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-07-1987
Fiscal year end30-09
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 38 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.