XD COMFORT
ActiveThe computed 12-month bankruptcy probability of XD COMFORT is 1.8% (moderate). The 2025 annual accounts show equity of €243k and a net result of €116k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 26% of 7760 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
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+1
Solvency50▼-11
Growth52=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.99 against 3.74 in 2024; short-term debt: 17.8% and cash: 14.3% of total assets), and 75.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
24.8%
Return on assets
11.8%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
31 d early
2023
30 d early
2022
23 d late
2021
25 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€243k▼ 33.0%
2024 · €363k
2021: €129k
2022: €163k
2023: €320k
2024: €363k
2021 → 2025
Total assets
€983k▼ 2.4%
2024 · €1.01M
2021: €371k
2022: €389k
2023: €786k
2024: €1.01M
2021 → 2025
Net result
€116k▲ 1.1%
2024 · €115k
2021: €119k
2022: €34k
2023: €157k
2024: €115k
2021 → 2025
Working capital
€-2k
2024 · €127k
2021: €121k
2022: €108k
2023: €120k
2024: €127k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€129k-€163k▲ 26.4%€320k▲ 96.3%€363k▲ 13.4%€243k▼ 33.0%
Operating result€148k-€46k▼ 68.8%€211k▲ 357%€170k▼ 19.2%€175k▲ 3.0%
Net result€119k-€34k▼ 71.4%€157k▲ 361%€115k▼ 26.9%€116k▲ 1.1%
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 recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €983k
Fixed assets
€810k▼ 2.9%
Current assets
€173k▼ 0.2%
Equity and liabilities €983k
Equity
€243k▼ 33.0%
Debt
€740k▲ 14.8%
The debt ratio rises from 63.9% to 75.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€225k▼
2024 · €245k
Cash flow
€166k▼
2024 · €190k
Solvency
24.8%▼
2024 · 36.1%
Current ratio
0.99▼
2024 · 3.74
Quick ratio
0.97▼
2024 · 3.51
Debt / equity
3.04▲
2024 · 1.77
ROE
47.7%▲
2024 · 31.6%
ROA
11.8%▲
2024 · 11.4%
Interest coverage
10.57▼
2024 · 11.81
Debt
€740k▲
2024 · €644k
Debt ≤ 1 year
€175k▲
2024 · €46k
Debt > 1 year
€565k▼
2024 · €598k
Income taxes
€41k▲
2024 · €40k
Staff costs
€16k▲
2024 · €15k
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€1.01M€983k▼
Fixed assets21/28€834k€810k▼
Tangible fixed assets22/27€834k€810k▼
Land and buildings22€775k€745k▼
Plant, machinery and equipment23€8k€4k▼
Furniture and vehicles24€51k€61k▲
Current assets29/58€173k€173k▼
Stocks and contracts in progress3€10k€3k▼
Stocks30/36€10k€3k▼
Amounts receivable within one year40/41€24k€25k▲
Trade receivables40€11k€3k▼
Other amounts receivable41€13k€21k▲
Cash at bank and in hand54/58€122k€141k▲
Deferred charges and accrued income490/1€17k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.01M€983k▼
Equity10/15€363k€243k▼
Contributions10/11€10k€10k=
Reserves13€353k€233k▼
Distributable reserves133€353k€233k▼
Amounts payable17/49€644k€740k▲
Amounts payable after more than one year17€598k€565k▼
Financial debts170/4€598k€565k▼
Amounts payable within one year42/48€46k€175k▲
Current portion of amounts payable after more than one year42€34k€33k▼
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€3k€745▼
Taxes450/3€3k€745▼
Other amounts payable47/48€3k€139k▲
Income statement
Code20242025
Remuneration, social security and pensions62€15k€16k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€50k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€263k€245k▼
Operating profit (loss)9901€170k€175k▲
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€21k€21k▲
Recurring financial charges65€21k€21k▲
Profit (loss) for the period before taxes9903€155k€157k▲
Income taxes67/77€40k€41k▲
Profit (loss) for the period9904€115k€116k▲
Profit (loss) for the period to be appropriated9905€115k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€115k€116k▲
Transfer from equity791/2-€236k
Transfer to equity691/2€43k€116k▲
To other reserves6921€43k€116k▲
Profit to be distributed694/7€72k€236k▲
Return on contributions (dividend)694€72k€236k▲
Social balance
Average headcount (FTE)90870.20.2=
The notes to these accounts (16 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €157k ▲361%
Operating result €211k, net result €157k, both a record.
31-12
Financial
Equity above €200kEq €320k ▲96.3%
3 profitable years in a row build equity to €320k.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €34k ▼71.4%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €163k ▲26.4%
2 profitable years in a row build equity to €163k.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oostkamp · 1 establishment unit since 2020
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.
Schooldreef 4 - GLV8020 OostkampGround area
293 m²
Building footprint
7 m²
Volume, LiDAR
37 m³
Parcel 31022I0499/00Y000, Flanders · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
XD COMFORT
since 20202.301.142.381
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0499/00Y000 | Flanders | 293 m² | 1 · 6 m² | 9.2 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 4,000 EUR awarded · 4,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,199 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2020
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
47529Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.