Summary
XAVI 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 €488,300 and a net result of €220,956. Equity is growing by ~132.9% per year across the filed fiscal years. Its solvency ranks better than 17% of 5565 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 5565 sector peers (2025).
NBB · sector comparisonPosition among 5565 sector peers
Solvency
better than 17%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
113 d early
2023
6 d late
2022
23 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 11 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€488,300▲ 82.6%
2024 · €267,344
Net result
€220,956▲ 49.6%
2024 · €147,745
Total assets
€3.2m▼ 5.2%
2024 · €3.4m
Solvency
15.2%▲ 7.3pp
2024 · 7.9%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€210,574-€36,270€298,910▲ 724%€268,920▼ 10.0%€358,405▲ 33.3%
Net result-€250,869--€16,031▲ 93.6%€192,621€147,745▼ 23.3%€220,956▲ 49.6%
Equity-€56,991--€73,023▼ 28.1%€119,599€267,344▲ 124%€488,300▲ 82.6%
Total assets€1.6m-€3.3m▲ 97.2%€3.3m▲ 2.2%€3.4m▲ 1.7%€3.2m▼ 5.2%
Debt€1.7m-€3.3m▲ 94.9%€3.2m▼ 3.6%€3.1m▼ 2.8%€2.7m▼ 12.8%
Working capital-€515,161--€637,105▼ 23.7%-€421,270▲ 33.9%-€427,760▼ 1.5%-€272,822▲ 36.2%
Solvency-3.5%--2.2%▲ 1.2pp3.6%▲ 5.8pp7.9%▲ 4.3pp15.2%▲ 7.3pp
Staff (FTE)0.910.4▲ 1,056%12.7▲ 22.1%16.3▲ 28.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Why a figure moved sharply
- 2025 Equity +83% on 2024. Cause not known from the registers.
- 2024 Equity +124% on 2023. Cause not known from the registers.
- 2023 Staff (FTE) +1,056% on 2022. Cause not known from the registers.
- 2022 Net result +94%, Total assets +97% on 2021. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.2m
Fixed assets
€2.8m ▼ 5.5%
Current assets
€449,046 ▼ 3.6%
Equity and liabilities €3.2m
Equity
€488,300 ▲ 82.6%
Debt
€2.7m ▼ 12.8%
Debt's share of the balance-sheet total falls from 92.1% to 84.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
45.3%▼
2024 · 55.3%
ROA
6.9%▲
2024 · 4.4%
Debt ≤ 1 year
€721,868▼
2024 · €893,757
Debt > 1 year
€2.0m▼
2024 · €2.2m
Income taxes
€46,941▲
2024 · €7,486
Staff costs
€686,161▲
2024 · €593,291
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €43,035 | €470,495 | €593,291 | €686,161 | ▲ 15.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €266,869 | €98,761 | €197,364 | €228,822 | €239,990 | ▲ 4.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €7,677 | - |
| Other operating charges640/8 | €19,442 | €6,423 | €10,002 | €9,660 | €11,033 | ▲ 14.2% |
| Gross operating margin9900 | €75,738 | €184,489 | €976,770 | €1.1m | €1.3m | ▲ 18.4% |
| Operating profit (loss)9901 | -€210,574 | €36,270 | €298,910 | €268,920 | €358,405 | ▲ 33.3% |
| Financial income75/76B | €0 | €1,189 | €54 | €986 | €1,258 | ▲ 27.6% |
| Recurring financial income75 | €0 | €1,189 | €54 | €986 | €1,258 | ▲ 27.6% |
| Financial charges65/66B | €40,295 | €53,490 | €106,342 | €114,675 | €91,767 | ▼ 20.0% |
| Recurring financial charges65 | €40,295 | €53,490 | €106,342 | €114,675 | €91,767 | ▼ 20.0% |
| Profit (loss) for the period before taxes9903 | -€250,869 | -€16,031 | €192,621 | €155,231 | €267,897 | ▲ 72.6% |
| Income taxes67/77 | - | - | - | €7,486 | €46,941 | ▲ 527% |
| Profit (loss) for the period9904 | -€250,869 | -€16,031 | €192,621 | €147,745 | €220,956 | ▲ 49.6% |
| Profit (loss) for the period to be appropriated9905 | -€250,869 | -€16,031 | €192,621 | €147,745 | €220,956 | ▲ 49.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.6m | €3.3m | €3.3m | €3.4m | €3.2m | ▼ 5.2% |
| Fixed assets21/28 | €1.6m | €2.9m | €2.8m | €2.9m | €2.8m | ▼ 5.5% |
| Tangible fixed assets22/27 | €1.6m | €2.9m | €2.8m | €2.9m | €2.8m | ▼ 5.5% |
| Land and buildings22 | €1.6m | €2.0m | €2.0m | €1.9m | €1.8m | ▼ 5.2% |
| Plant, machinery and equipment23 | - | €869,807 | €856,316 | €1.0m | €965,635 | ▼ 5.6% |
| Furniture and vehicles24 | €9,326 | €7,539 | €6,551 | €10,555 | €6,578 | ▼ 37.7% |
| Financial fixed assets28 | €20 | €2,520 | €196 | €196 | €196 | = |
| Current assets29/58 | €35,858 | €340,410 | €481,454 | €465,997 | €449,046 | ▼ 3.6% |
| Stocks and contracts in progress3 | - | €109,695 | €105,435 | €129,755 | €118,523 | ▼ 8.7% |
| Stocks30/36 | - | €109,695 | €105,435 | €129,755 | €118,523 | ▼ 8.7% |
| Amounts receivable within one year40/41 | €28 | €158,485 | €161,080 | €30,273 | €63,018 | ▲ 108% |
| Trade receivables40 | - | €103,798 | €153,391 | €23,942 | €58,419 | ▲ 144% |
| Other amounts receivable41 | €28 | €54,687 | €7,689 | €6,331 | €4,599 | ▼ 27.4% |
| Cash at bank and in hand54/58 | €34,322 | €69,287 | €208,121 | €300,680 | €263,388 | ▼ 12.4% |
| Deferred charges and accrued income490/1 | €1,508 | €2,943 | €6,818 | €5,289 | €4,116 | ▼ 22.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.6m | €3.3m | €3.3m | €3.4m | €3.2m | ▼ 5.2% |
| Equity10/15 | -€56,991 | -€73,023 | €119,599 | €267,344 | €488,300 | ▲ 82.6% |
| Contributions10/11 | €193,878 | €193,878 | €193,878 | €193,878 | €193,878 | = |
| Reserves13 | - | - | - | €73,466 | €294,423 | ▲ 301% |
| Distributable reserves133 | - | - | - | €73,466 | €294,423 | ▲ 301% |
| Profit (loss) carried forward14 | -€250,869 | -€266,900 | -€74,279 | €0 | - | - |
| Amounts payable17/49 | €1.7m | €3.3m | €3.2m | €3.1m | €2.7m | ▼ 12.8% |
| Amounts payable after more than one year17 | €1.2m | €2.3m | €2.3m | €2.2m | €2.0m | ▼ 10.1% |
| Financial debts170/4 | €1.2m | €2.3m | €2.3m | €2.2m | €2.0m | ▼ 10.1% |
| Amounts payable within one year42/48 | €551,019 | €977,515 | €902,723 | €893,757 | €721,868 | ▼ 19.2% |
| Current portion of amounts payable after more than one year42 | €72,222 | €178,472 | €197,222 | €223,780 | €224,549 | ▲ 0.3% |
| Trade debts44 | €31,697 | €123,758 | €99,689 | €140,180 | €223,584 | ▲ 59.5% |
| Suppliers440/4 | €31,697 | €123,758 | €99,689 | €140,180 | €223,584 | ▲ 59.5% |
| Taxes, remuneration and social security45 | €8,824 | €41,978 | €83,754 | €93,180 | €130,639 | ▲ 40.2% |
| Taxes450/3 | €8,824 | €7,738 | €10,080 | €17,342 | €28,274 | ▲ 63.0% |
| Remuneration and social security454/9 | - | €34,240 | €73,674 | €75,837 | €102,365 | ▲ 35.0% |
| Other amounts payable47/48 | €438,276 | €633,307 | €522,058 | €436,617 | €143,096 | ▼ 67.2% |
| Accrued charges and deferred income492/3 | - | €170 | €4,500 | €983 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€250,869 | -€16,031 | €192,621 | €147,745 | €220,956 | ▲ 49.6% |
| + Depreciation and write-downs630 | €266,869 | €98,761 | €197,364 | €228,822 | €239,990 | ▲ 4.9% |
| Operating cash flow (approximation) | €16,000 | €82,730 | €389,985 | €376,567 | €460,947 | ▲ 22.4% |
| Investment in fixed assets (approximation) | - | -€1.4m | -€128,092 | -€301,277 | -€80,477 | ▲ 73.3% |
| Change in cash | - | €34,965 | €138,834 | €92,559 | -€37,291 | ▼ 140% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2021net €220,956 ▲49.6%
Operating result €358,405, net result €220,956, both a record.
09-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200,000Eq €267,344 ▲124%
2 profitable years in a row build equity to €267,344.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 6 days late
2023
31-12
Financial
Back to profitnet €192,621
Net result €192,621 after 2 loss-making years.
31-12
Financial
Equity above €100,000Eq €119,599
Equity rises from -€73,023 to €119,599.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Nieuwpoort · 1 establishment unit since 2020
Ground area
1,641 m²
Building footprint
240 m²
Volume, LiDAR
1,490 m³
Parcel 38402D0472/00S009, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
XAVI
since 20202.309.801.018
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402D0472/00S009indicative | Flanders | 1,641 m² | 1 · 240 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 838 EUR awarded · 838 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2024 | 1 | 662 EUR | 662 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteNieuwpoort2.309.801.018
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BRIDELANCE
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,620 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47221Retail sale of meat and meat products, excluding game and poultry
64210Activities of holding companies
46321Wholesale of meat and meat products, excluding game and poultry
47222Retail trade
47279Other retail sale of food
73300Public relations and communication consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0758418155
Also
9925:BE0758418155
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.