XD ACCOUNT
ActiveSummary
XD ACCOUNT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €28k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 22% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability79▲+1
Solvency47▲+8
Growth73=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.48 against 0.39 in 2024; short-term debt: 52.4% of total assets), and 77.9% of the assets are financed with debt.
Credit check 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 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← 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
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
22.1%
Return on assets
8.3%
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 22% of 12738 sector peers (2025).
NBB · sector comparisonPosition among 12738 sector peers
Solvency
better than 22%
← 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 €74k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-03-2026, 30 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
30 d late
2024
67 d late
2023
212 d late
2022
34 d late
2021
23 d late
2020
4 d early
2019
28 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€44k▲ 291%
2022 · €11k
2019: €31k
2020: €38k▲ +22.4% vs 2019
2021: €22k▼ -41.0% vs 2020
2022: €11k▼ -49.9% vs 2021lowest in 5 years
2023: €44k▲ +291% vs 2022highest in 5 years
2019 → 2023
EBIT margin
-17.5%▲ 25.0pp
2022 · -42.4%
2019: 13.6%
2020: 32.6%▲ +139% vs 2019
2021: 33.6%▲ +3.1% vs 2020highest in 5 years
2022: -42.4%▼ -226% vs 2021lowest in 5 years
2023: -17.5%▲ +58.9% vs 2022
2019 → 2023
Net result
€28k▲ 8.0%
2024 · €26k
2019: €-9k
2020: €-861▲ +90.1% vs 2019
2021: €3k▲ +469% vs 2020
2022: €-11k▼ -453% vs 2021
2023: €-14k▼ -24.4% vs 2022lowest in 7 years
2024: €26k▲ +284% vs 2023
2025: €28k▲ +8.0% vs 2024highest in 7 years
2019 → 2025
Working capital
€-91k▲ 21.4%
2024 · €-116k
2019: €-130k
2020: €-133k▼ -2.6% vs 2019
2021: €-90k▲ +32.2% vs 2020highest in 7 years
2022: €-116k▼ -28.5% vs 2021
2023: €-139k▼ -20.2% vs 2022lowest in 7 years
2024: €-116k▲ +17.1% vs 2023
2025: €-91k▲ +21.4% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€22k-€11k▼ 49.9%€44k▲ 291%
2021: €22k
2022: €11k▼ -49.9% vs 2021lowest in 3 years
2023: €44k▲ +291% vs 2022highest in 3 years
Equity€46k-€34k▼ 24.6%€20k▼ 40.5%€46k▲ 125%€74k▲ 60.0%
2021: €46k
2022: €34k▼ -24.6% vs 2021
2023: €20k▼ -40.5% vs 2022lowest in 5 years
2024: €46k▲ +125% vs 2023
2025: €74k▲ +60.0% vs 2024highest in 5 years
Operating result€7k-€-5k€-8k▼ 60.8%€31k€33k▲ 4.7%
2021: €7k
2022: €-5k▼ -163% vs 2021
2023: €-8k▼ -60.8% vs 2022lowest in 5 years
2024: €31k▲ +513% vs 2023
2025: €33k▲ +4.7% vs 2024highest in 5 years
Net result€3k-€-11k€-14k▼ 24.4%€26k€28k▲ 8.0%
2021: €3k
2022: €-11k▼ -453% vs 2021
2023: €-14k▼ -24.4% vs 2022lowest in 5 years
2024: €26k▲ +284% vs 2023
2025: €28k▲ +8.0% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €333k
Fixed assets
€249k ▼ 5.1%
Current assets
€84k ▲ 13.8%
Equity and liabilities €333k
Equity
€74k ▲ 60.0%
Debt
€259k ▼ 10.7%
Debt's share of the balance-sheet total falls from 86.3% to 77.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46k▲
2024 · €45k
Cash flow
€41k▲
2024 · €40k
Current ratio
0.48▲
2024 · 0.39
Debt to equity
3.52▼
2024 · 6.30
ROE
37.5%▼
2024 · 55.6%
ROA
8.3%▲
2024 · 7.6%
Interest coverage
8.88▲
2024 · 7.81
Debt ≤ 1 year
€175k▼
2024 · €189k
Debt > 1 year
€85k▼
2024 · €101k
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 · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€337k€333k▼
Fixed assets21/28€263k€249k▼
Tangible fixed assets22/27€263k€249k▼
Land and buildings22€261k€248k▼
Plant, machinery and equipment23€1k€826▼
Furniture and vehicles24€588€236▼
Financial fixed assets28€49€49=
Current assets29/58€74k€84k▲
Amounts receivable within one year40/41€72k€84k▲
Trade receivables40€68k€79k▲
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€1k-
Deferred charges and accrued income490/1€285€53▼
Equity and liabilities
Total equity and liabilities10/49€337k€333k▼
Equity10/15€46k€74k▲
Contributions10/11€50k€50k=
Reserves13€5k€5k=
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Profit (loss) carried forward14€-9k€19k▲
Amounts payable17/49€290k€259k▼
Amounts payable after more than one year17€101k€85k▼
Financial debts170/4€51k€35k▼
Other amounts payable178/9€50k€50k=
Amounts payable within one year42/48€189k€175k▼
Current portion of amounts payable after more than one year42€16k€16k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€12k€17k▲
Suppliers440/4€12k€17k▲
Taxes, remuneration and social security45€21k€55k▲
Taxes450/3€673€15k▲
Remuneration and social security454/9€20k€39k▲
Other amounts payable47/48€140k€81k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€13k▼
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€45-
Gross operating margin9900€47k€49k▲
Operating profit (loss)9901€31k€33k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€26k€28k▲
Profit (loss) for the period9904€26k€28k▲
Profit (loss) for the period to be appropriated9905€26k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€19k▲
Profit (loss) brought forward from the previous period14P€-35k€-9k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €22k | €11k | €44k | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €12k | €46k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12k | €12k | €14k | €14k | €13k | ▼ 3.3% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €-2k | - | - | - |
| Other operating charges640/8 | - | €2k | €1k | €2k | €3k | ▲ 75.4% |
| Non-recurring operating charges66A | - | - | - | €45 | - | - |
| Gross operating margin9900 | €25k | €10k | €5k | €47k | €49k | ▲ 4.6% |
| Operating profit (loss)9901 | €7k | €-5k | €-8k | €31k | €33k | ▲ 4.7% |
| Financial income75/76B | - | €128 | - | - | - | - |
| Recurring financial income75 | €28 | €128 | - | - | - | - |
| Financial charges65/66B | - | €7k | €6k | €6k | €5k | ▼ 10.1% |
| Recurring financial charges65 | €20k | €7k | €6k | €6k | €5k | ▼ 10.1% |
| Profit (loss) for the period before taxes9903 | €3k | €-11k | €-14k | €26k | €28k | ▲ 8.0% |
| Profit (loss) for the period9904 | €3k | €-11k | €-14k | €26k | €28k | ▲ 8.0% |
| Profit (loss) for the period to be appropriated9905 | €3k | €-11k | €-14k | €26k | €28k | ▲ 8.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €313k | €289k | €323k | €337k | €333k | ▼ 1.0% |
| Fixed assets21/28 | €288k | €284k | €277k | €263k | €249k | ▼ 5.1% |
| Tangible fixed assets22/27 | €288k | €284k | €277k | €263k | €249k | ▼ 5.1% |
| Land and buildings22 | - | €282k | €274k | €261k | €248k | ▼ 4.9% |
| Plant, machinery and equipment23 | - | €643 | €2k | €1k | €826 | ▼ 28.0% |
| Furniture and vehicles24 | - | €2k | €1k | €588 | €236 | ▼ 59.9% |
| Financial fixed assets28 | €49 | €49 | €49 | €49 | €49 | = |
| Current assets29/58 | €25k | €5k | €46k | €74k | €84k | ▲ 13.8% |
| Amounts receivable within one year40/41 | €1k | €4k | €46k | €72k | €84k | ▲ 16.0% |
| Trade receivables40 | - | €4k | €45k | €68k | €79k | ▲ 15.9% |
| Other amounts receivable41 | - | - | €275 | €4k | €5k | ▲ 16.7% |
| Cash at bank and in hand54/58 | €13k | - | - | €1k | - | - |
| Deferred charges and accrued income490/1 | - | €227 | €321 | €285 | €53 | ▼ 81.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €313k | €289k | €323k | €337k | €333k | ▼ 1.0% |
| Equity10/15 | €46k | €34k | €20k | €46k | €74k | ▲ 60.0% |
| Contributions10/11 | - | €50k | €50k | €50k | €50k | = |
| Reserves13 | €5k | €5k | €5k | €5k | €5k | = |
| Non-distributable reserves130/1 | - | €5k | €5k | €5k | €5k | = |
| Reserves not available under the articles1311 | - | €5k | €5k | €5k | €5k | = |
| Profit (loss) carried forward14 | €-9k | €-21k | €-35k | €-9k | €19k | ▲ 310% |
| Provisions and deferred taxes16 | €2k | €2k | - | - | - | - |
| Provisions for liabilities and charges160/5 | - | €2k | - | - | - | - |
| Other liabilities and charges164/5 | - | €2k | - | - | - | - |
| Amounts payable17/49 | €265k | €253k | €302k | €290k | €259k | ▼ 10.7% |
| Amounts payable after more than one year17 | €150k | €132k | €117k | €101k | €85k | ▼ 16.2% |
| Financial debts170/4 | - | €82k | €67k | €51k | €35k | ▼ 32.0% |
| Other amounts payable178/9 | - | €50k | €50k | €50k | €50k | = |
| Amounts payable within one year42/48 | €115k | €121k | €185k | €189k | €175k | ▼ 7.7% |
| Current portion of amounts payable after more than one year42 | - | €14k | €15k | €16k | €16k | ▲ 4.4% |
| Financial debts43 | - | €2k | €333 | - | €5k | - |
| Credit institutions430/8 | - | €2k | €333 | - | €5k | - |
| Trade debts44 | €230 | €1k | €4k | €12k | €17k | ▲ 38.3% |
| Suppliers440/4 | - | €1k | €4k | €12k | €17k | ▲ 38.3% |
| Taxes, remuneration and social security45 | - | €567 | €4k | €21k | €55k | ▲ 164% |
| Taxes450/3 | - | €567 | €673 | €673 | €15k | ▲ 2,154% |
| Remuneration and social security454/9 | - | - | €3k | €20k | €39k | ▲ 96.9% |
| Other amounts payable47/48 | - | €103k | €162k | €140k | €81k | ▼ 42.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €-11k | €-14k | €26k | €28k | ▲ 8.0% |
| + Depreciation and write-downs630 | €12k | €12k | €14k | €14k | €13k | ▼ 3.3% |
| Operating cash flow (approximation) | €16k | €1k | €-390 | €40k | €41k | ▲ 4.0% |
| Investment in fixed assets (approximation) | - | €-9k | €-6k | €0 | €0 | - |
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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
30-06
Financial
Highest result since 2019net €28k ▲8%
Operating result €33k, net result €28k, both a record.
08-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 212 days late
30-06
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
2023
30-06
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
06-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 34 days late
2022
23-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-06
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-01
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.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Saint-Ghislain · 2 establishment units since 2011
Ground area
312 m²
Building footprint
200 m²
Volume, LiDAR
1,746 m³
2 parcels, Brussels, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Avenue de l'Europe(SG) 32, 7330 Saint-Ghislain
since 20112.197.223.610
XD ACCOUNT
since 20262.386.265.227
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53070B0444/00R002 | Wallonia | 172 m² | 1 · 52 m² | 11.6 m · 3 fl. |
| 21372D0223/00H004 | Brussels | 140 m² | 1 · 148 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 12,173 companies in sector 69201 we hold annual accounts for 7,638. 6,307 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
Founded23-02-2011
Fiscal year end30-06
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Scores and ratios are computed by Checked and are not a credit decision.