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XCommerce

Active
Private limited company (pre-2019)founded 201115 yrs activeNaamsesteenweg 248, 3001 Leuven, BelgiumKBO/BCE: BE 0835.594.424
Summary

XCommerce has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91,982 and a net result of -€51,338. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 20854 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
XCommerceActiveChecked score 90/100
Risk analysis ReportCompare

Overview

Activity
Computer consultancy and computer facilities management
NACE 62200IT consultancy NACE 62020
1 site
Size
€130,674total assets 2025
Equity
€91,982
Loss
-€51,338
Turnover not published (abridged schema)
Financial health
90 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 11 d late0 of 2 deeds read
Why 90- Loss of €51,338, the second in a row (FY 2025)+ Sector Computer programming, consultancy and related activities (NACE 62)+ Size: total assets €130,674+ Liquidity: current ratio 3.21, cash €22,421, halvedShow the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Better than 32% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 95-5
equity 70.4% of total assets
Liquidity 59-25
short-term debt 29.6% · cash 17.2%
Profitability 0=
return on assets -39.3%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,634 companies)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● 0.0% vs 11-2024lowest value 01-2025: < 0.1%▲ +2.2% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%▲ +2.2% vs 02-2025 04-2025: 0.1%▲ +12.8% vs 03-2025 05-2025: 0.1%▲ +58.5% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%● 0.0% vs 06-2025 08-2025: 0.1%● 0.0% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▲ +7.1% vs 12-2025 02-2026: 0.1%▼ -1.1% vs 01-2026 03-2026: 0.1%▲ +2.2% vs 02-2026 04-2026: 0.1%▲ +23.1% vs 03-2026 05-2026: 0.2%▲ +53.6% vs 04-2026highest value 06-2026: 0.1%▼ -30.8% vs 05-2026 07-2026: 0.1%● 0.0% vs 06-2026 08-2026: 0.1%▼ -5.0% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Loss of €51,338, the second in a row (FY 2025) raises the probability
  • Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
  • Size: total assets €130,674 lowers the probability for this profile
  • Liquidity: current ratio 3.21, cash €22,421, halved lowers the probability
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 3.21 against 5.61 in 2024; short-term debt: 29.6% and cash: 17.2% of total assets), and 29.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 63%, liquidity 42%, profitability 5%, growth against the median 18%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €51,338, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Computer programming, consultancy and related activities (NACE 62)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Size: total assets €130,674
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 3.21, cash €22,421, halved
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€51,338
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-05-2026, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
11 d late
2024
19 d early
2023
1 d early
2022
69 d early
2021
26 d early
2020
42 d early
2019
51 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 28 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 11 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close04-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Weakest financial yearnet -€61,837

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€51,338 View
  • Caution: Among the weakest 5% on net resultsector median €28,744 · 20,861 companies -€51,338 View
  • Caution: Equity fell in 2025from €143,321 to €91,982 ▼ 35.8% View

By topic

Financials

Fiscal year
2025
Total assets
€130,674
Loss
-€51,338
Solvency
70.4%
Total assets▼ 25.1%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 30-04-2027
  1. 11-05-2026Annual accounts filed
  2. 11-04-2025Annual accounts filed
  3. 30-09-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Computer consultancy and computer facilities managementNACE 62200
Founded
14-04-2011
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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