XAVEST 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 €20.89M and a net result of €474k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 79% of 2385 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
8 d early
2023
14 d early
2022
13 d early
2021
5 d early
2020
12 d early
2019
7 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€20.89M▼ 1.3%
2024 · €21.16M
2018: €20.98M
2020: €20.55M
2021: €20.00M
2022: €21.16M
2023: €21.09M
2024: €21.16M
2018 → 2025
Net result
€474k▼ 42.4%
2024 · €823k
2018: €12k
2020: €115k
2021: €146k
2022: €1.51M
2023: €940k
2024: €823k
2018 → 2025
Total assets
€23.00M▼ 2.2%
2024 · €23.52M
2018: €21.67M
2020: €23.15M
2021: €22.81M
2022: €22.93M
2023: €23.37M
2024: €23.52M
2018 → 2025
Solvency
90.8%▲ 0.8pp
2024 · 90.0%
2018: 96.8%
2020: 88.8%
2021: 87.7%
2022: 92.3%
2023: 90.2%
2024: 90.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.98M-€2.03M▲ 2.5%€1.11M▼ 45.1%€1.19M▲ 6.7%€1.19M=
Equity€20.00M-€21.16M▲ 5.8%€21.09M▼ 0.3%€21.16M▲ 0.3%€20.89M▼ 1.3%
Operating result€259k-€253k▼ 2.3%€85k▼ 66.4%€99k▲ 16.9%€-217k
Net result€146k-€1.51M▲ 930%€940k▼ 37.6%€823k▼ 12.5%€474k▼ 42.4%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €217k after €99k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23.00M
Fixed assets
€22.55M=
Current assets
€448k▼ 53.7%
Equity and liabilities €23.00M
Equity
€20.89M▼ 1.3%
Provisions
€203k=
Debt
€1.91M▼ 11.2%
The debt ratio falls from 9.2% to 8.3%. Equity and debt are lower.
Key figures and ratios
Solvency
90.8%▲
2024 · 90.0%
ROE
2.3%▼
2024 · 3.9%
ROA
2.1%▼
2024 · 3.5%
Debt
€1.91M▼
2024 · €2.15M
Debt ≤ 1 year
€1.23M▲
2024 · €1.15M
Debt > 1 year
€681k▼
2024 · €1.00M
Income taxes
€2k▼
2024 · €3k
Staff costs
€611k▲
2024 · €512k
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€23.52M€23.00M▼
Fixed assets21/28€22.55M€22.55M=
Financial fixed assets28€22.55M€22.55M=
Affiliated companies280/1€22.55M€22.55M=
Participating interests280€22.55M€22.55M=
Current assets29/58€966k€448k▼
Amounts receivable after more than one year29€1k€0▼
Other amounts receivable291€1k€0▼
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€185k€50k▼
Trade receivables40€176k€18k▼
Other amounts receivable41€9k€32k▲
Cash at bank and in hand54/58€751k€370k▼
Deferred charges and accrued income490/1€28k€28k▼
Equity and liabilities
Total equity and liabilities10/49€23.52M€23.00M▼
Equity10/15€21.16M€20.89M▼
Contributions10/11€16.85M€16.85M=
Reserves13€4.32M€4.04M▼
Distributable reserves133€4.32M€4.04M▼
Provisions and deferred taxes16€203k€203k=
Provisions for liabilities and charges160/5€203k€203k=
Pensions and similar obligations160€203k€203k=
Amounts payable17/49€2.15M€1.91M▼
Amounts payable after more than one year17€1.00M€681k▼
Other amounts payable178/9€1.00M€681k▼
Amounts payable within one year42/48€1.15M€1.23M▲
Trade debts44€223k€234k▲
Suppliers440/4€223k€234k▲
Taxes, remuneration and social security45€349k€374k▲
Taxes450/3€256k€260k▲
Remuneration and social security454/9€93k€114k▲
Other amounts payable47/48€581k€623k▲
Income statement
Code20242025
Operating income70/76A€1.22M€1.20M▼
Turnover70€1.19M€1.19M=
Other operating income74€26k€9k▼
Non-recurring operating income76A€0-
Operating charges60/66A€1.12M€1.41M▲
Services and other goods61€602k€802k▲
Remuneration, social security and pensions62€512k€611k▲
Other operating charges640/8€1k€1k▲
Operating profit (loss)9901€99k€-217k▼
Financial income75/76B€834k€798k▼
Recurring financial income75€834k€798k▼
Income from financial fixed assets750€834k€793k▼
Income from current assets751€313€5k▲
Other financial income752/9€8€0▼
Financial charges65/66B€108k€106k▼
Recurring financial charges65€108k€106k▼
Debt charges650€108k€106k▼
Other financial charges652/9€74€76▲
Profit (loss) for the period before taxes9903€825k€476k▼
Income taxes67/77€3k€2k▼
Taxes670/3€3k€2k▼
Tax adjustments and reversals of tax provisions77€0€18▲
Profit (loss) for the period9904€823k€474k▼
Profit (loss) for the period to be appropriated9905€823k€474k▼
Appropriation of the result
Profit (loss) to be appropriated9906€823k€474k▼
Transfer from equity791/2€750k€750k=
From reserves792€750k€750k=
Transfer to equity691/2€823k€474k▼
To other reserves6921€823k€474k▼
Profit to be distributed694/7€750k€750k=
Return on contributions (dividend)694€750k€750k=
Social balance
Average headcount (FTE)90875.86.7▲
The notes to these accounts (43 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €1.51M ▲930%
Net result €1.51M, the highest in the series.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-07
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
7 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, Lendelede · 1 establishment unit since 2010
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.
Heulsestraat 968860 LendeledeGround area
1,660 m²
Building footprint
232 m²
Volume, LiDAR
1,388 m³
Parcel 34025C0184/00Y003, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
XAVEST
since 20102.190.515.267
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34025C0184/00Y003 | Flanders | 1,660 m² | 1 · 232 m² | 10.6 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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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 4,202 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.