Xavier Destrée
ActiveSummary
Xavier Destrée has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €358k and a net result of €4k. Equity is growing by ~14.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▼-14
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 10.15 against 57.18 in 2023; short-term debt: 8.4% and cash: 15.6% of total assets), and 8.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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
not confirmed
2024
60 d late
2023
15 d early
2022
29 d late
2021
8 d late
2020
53 d late
2019
38 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€358k▼ 19.2%
2023 · €443k
2018: €166k
2019: €239k
2020: €334k
2021: €416k
2022: €444k
2023: €443k
2018 → 2024
Total assets
€391k▼ 13.1%
2023 · €450k
2018: €198k
2019: €278k
2020: €381k
2021: €444k
2022: €479k
2023: €450k
2018 → 2024
Net result
€4k
2023 · €-559
2018: €36k
2019: €73k
2020: €96k
2021: €83k
2022: €28k
2023: €-559
2018 → 2024
Working capital
€300k▼ 23.4%
2023 · €392k
2018: €145k
2019: €220k
2020: €293k
2021: €380k
2022: €390k
2023: €392k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€334k-€416k▲ 24.5%€444k▲ 6.6%€443k▼ 0.1%€358k▼ 19.2%
Operating result€149k-€127k▼ 14.4%€40k▼ 68.4%€4k▼ 89.4%€-8k
Net result€96k-€83k▼ 13.9%€28k▼ 65.9%€-559€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €8k after €4k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €391k
Fixed assets
€58k ▲ 13.4%
Current assets
€333k ▼ 16.6%
Equity and liabilities €391k
Equity
€358k ▼ 19.2%
Debt
€33k ▲ 370%
Debt's share of the balance-sheet total rises from 1.5% to 8.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2023 · €18k
Cash flow
€20k▲
2023 · €13k
Current ratio
10.15▼
2023 · 57.18
Debt to equity
0.09▲
2023 · 0.02
ROE
1.2%▲
2023 · -0.1%
ROA
1.1%▲
2023 · -0.1%
Interest coverage
1.27▼
2023 · 3.19
Debt ≤ 1 year
€33k▲
2023 · €7k
Income taxes
€837▼
2023 · €917
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines
Balance sheet
Code20232024
Assets
Total assets20/58€450k€391k▼
Fixed assets21/28€51k€58k▲
Tangible fixed assets22/27€51k€58k▲
Plant, machinery and equipment23€12k€17k▲
Furniture and vehicles24€13k€12k▼
Other tangible fixed assets26€26k€29k▲
Financial fixed assets28€32€32=
Current assets29/58€399k€333k▼
Amounts receivable within one year40/41€86k€74k▼
Trade receivables40€22k€28k▲
Other amounts receivable41€64k€45k▼
Current investments50/53€262k€191k▼
Cash at bank and in hand54/58€45k€61k▲
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€450k€391k▼
Equity10/15€443k€358k▼
Contributions10/11€120k€31k▼
Reserves13€311k€315k▲
Non-distributable reserves130/1€10k-
Reserves not available under the articles1311€10k-
Distributable reserves133€301k€315k▲
Profit (loss) carried forward14€12k€12k▲
Amounts payable17/49€7k€33k▲
Amounts payable within one year42/48€7k€33k▲
Trade debts44€6k€30k▲
Suppliers440/4€6k€30k▲
Taxes, remuneration and social security45€1k€3k▲
Taxes450/3€1k€3k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€8k€2k▼
Gross operating margin9900€26k€9k▼
Operating profit (loss)9901€4k€-8k▼
Financial income75/76B€2k€19k▲
Recurring financial income75€2k€19k▲
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€358€5k▲
Income taxes67/77€917€837▼
Profit (loss) for the period9904€-559€4k▲
Profit (loss) for the period to be appropriated9905€-559€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€16k▲
Profit (loss) brought forward from the previous period14P€13k€12k▼
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-559 ▼102%
Net result drops to €-559, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 57.18
Current ratio from 12.06 to 57.18; short-term debt falls from €35k to €7k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 14.70
Current ratio from 7.28 to 14.70; short-term debt falls from €47k to €28k.
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 53 days late
2020
31-12
Financial
Highest result since 2018net €96k ▲32.3%
Operating result €149k, net result €96k, both a record.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €239k ▲43.7%
2 profitable years in a row build equity to €239k.
Show earlier events
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, La Hulpe · 1 establishment unit since 1996
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.
Rue Emile Semal 61310 La HulpeGround area
2,652 m²
Building footprint
191 m²
Volume, LiDAR
1,834 m³
Parcel 25050D0159/00Y003, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Emile Semal 6, 1310 La Hulpe
since 19962.076.455.145
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050D0159/00Y003 | Wallonia | 2,652 m² | 1 · 191 m² | 11.8 m · 3 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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ADELI
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MoRe consulting
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RIZQ Consulting
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,085 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-1996
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.