XB4 Consulting
ActiveXB4 Consulting has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €634k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 19% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.01 in 2024; short-term debt: 91.8% and cash: 40% of total assets), and 91.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
8.2%
Return on assets
81.2%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2672 sector peers (2025).
NBB · sector comparisonPosition among 2672 sector peers
Solvency
better than 19%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €64k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
6 d early
2021
38 d early
2020
2 d early
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€64k▲ 115%
2024 · €30k
2019: €68k
2020: €70k
2021: €70k
2022: €21k
2023: €26k
2024: €30k
2019 → 2025
Total assets
€781k▲ 43.5%
2024 · €545k
2019: €148k
2020: €242k
2021: €192k
2022: €229k
2023: €336k
2024: €545k
2019 → 2025
Net result
€634k▲ 132%
2024 · €273k
2019: €36k
2020: €63k
2021: €90k
2022: €94k
2023: €245k
2024: €273k
2019 → 2025
Working capital
€41k▲ 527%
2024 · €7k
2019: €62k
2020: €63k
2021: €65k
2022: €14k
2023: €16k
2024: €7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€21k▼ 70.1%€26k▲ 26.0%€30k▲ 11.9%€64k▲ 115%
Operating result€93k-€104k▲ 11.4%€258k▲ 149%€290k▲ 12.2%€659k▲ 127%
Net result€90k-€94k▲ 4.1%€245k▲ 162%€273k▲ 11.3%€634k▲ 132%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 127% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €781k
Fixed assets
€22k▼ 2.8%
Current assets
€759k▲ 45.5%
Equity and liabilities €781k
Equity
€64k▲ 115%
Debt
€717k▲ 39.3%
The debt ratio falls from 94.6% to 91.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€663k▲
2024 · €292k
Cash flow
€638k▲
2024 · €276k
Solvency
8.2%▲
2024 · 5.4%
Current ratio
1.06▲
2024 · 1.01
Quick ratio
1.06▲
2024 · 1.01
Debt / equity
11.25▼
2024 · 17.37
ROE
994.1%▲
2024 · 921.5%
ROA
81.2%▲
2024 · 50.2%
Interest coverage
207.17▲
2024 · 43.69
Debt
€717k▲
2024 · €515k
Debt ≤ 1 year
€717k▲
2024 · €515k
Income taxes
€21k▲
2024 · €10k
Staff costs
€186k▲
2024 · €167k
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€545k€781k▲
Fixed assets21/28€23k€22k▼
Tangible fixed assets22/27€8k€8k▼
Furniture and vehicles24€8k€8k▼
Financial fixed assets28€15k€15k=
Current assets29/58€521k€759k▲
Amounts receivable within one year40/41€385k€440k▲
Trade receivables40€278k€418k▲
Other amounts receivable41€107k€22k▼
Cash at bank and in hand54/58€132k€313k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€545k€781k▲
Equity10/15€30k€64k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€557€557=
Profit (loss) carried forward14€9k€43k▲
Amounts payable17/49€515k€717k▲
Amounts payable within one year42/48€515k€717k▲
Financial debts43€999€270▼
Credit institutions430/8€999€270▼
Trade debts44€223k€100k▼
Suppliers440/4€223k€100k▼
Taxes, remuneration and social security45€20k€17k▼
Taxes450/3€14k€9k▼
Remuneration and social security454/9€7k€7k▲
Other amounts payable47/48€270k€601k▲
Income statement
Code20242025
Non-recurring operating income76A€170€0▼
Remuneration, social security and pensions62€167k€186k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€10k€731▼
Gross operating margin9900€470k€850k▲
Operating profit (loss)9901€290k€659k▲
Financial income75/76B-€7
Recurring financial income75-€7
Financial charges65/66B€7k€3k▼
Recurring financial charges65€7k€3k▼
Profit (loss) for the period before taxes9903€283k€655k▲
Income taxes67/77€10k€21k▲
Profit (loss) for the period9904€273k€634k▲
Profit (loss) for the period to be appropriated9905€273k€634k▲
Appropriation of the result
Profit (loss) to be appropriated9906€279k€643k▲
Profit (loss) brought forward from the previous period14P€5k€9k▲
Profit to be distributed694/7€270k€600k▲
Directors or managers695€270k€420k▲
Other beneficiaries697-€180k
Social balance
Average headcount (FTE)9087-2.0
The notes to these accounts (9 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €634k ▲132%
Operating result €659k, net result €634k, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Lievens-Houtem · 2 establishment units since 2017
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.
Aalmoezenie 129520 Sint-Lievens-HoutemGround area
3,906 m²
Building footprint
437 m²
Volume, LiDAR
3,532 m³
2 parcels, Flanders · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
XB4 Consulting
since 20172.265.200.220
XB4 Consulting
since 20192.286.099.661
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086A0480/00Z000 | Flanders | 3,080 m² | 1 · 251 m² | 15.4 m · 4 fl. |
| 41063C0326/00T004 | Flanders | 826 m² | 1 · 187 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 15,503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2017
Fiscal year end30-06
Abbreviation NL
XB4
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.