XERIALE
ActiveSummary
The computed 12-month bankruptcy probability of XERIALE is 3.3% (moderate). The 2024 annual accounts show negative equity (-€7,673) and a net result of €15,853. Equity is shrinking by ~40.5% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
What they do
Retail trade
NACE 47222Business and other management consultancy NACE 70200Business consulting NACE 70220
2 sites
How big
€79,500total assets 2024
- Staff
- 3.3 FTE
- Equity
- -€7,673
- Profit
- €15,853
Turnover not published (abridged schema)
Who decides
Accounts 46 d early0 of 5 deeds read
Why 38- Limited track record- Higher-failure-rate sector- Annual accounts: weaker financial profile- Multiple establishment unitsLatest accounts filed on timeShow the evidence
Checked score
Score 2024
Axes · tick = 2023
Profitability87▼-5
Solvency15▲+15
Growth58=
Track record100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.91 against 0.74 in 2023; short-term debt: 109.7% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-9.7%
Return on assets
19.9%
Age of the figures
21 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 15-06-2026, 46 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
46 d early
2024
49 d early
2023
43 d early
2022
27 d early
2021
26 d early
2020
44 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 39 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 19 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · abbreviated…
- Highest result since 2020net €15,853 ▲9.9%
Financials
Fiscal year 2024Total assets €79,500Profit €15,853Solvency -9.7%Liquidity 0.91
Total assets
€79,500▲ 20.1%
2020 - 2024
Net result
€15,853▲ 9.9%
2020 - 2024
Equity
-€7,673▲ 67.4%
2020 - 2024
Staff (FTE)
3.3▲ 43.5%
2020 - 2024
Financials · fiscal year 2024, abbreviated schema, 2025 accounts filed, figures not processed yet
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€2,010--€4,554▼ 127%-€45,151▼ 891%€15,781€18,567▲ 17.7%
Net result-€2,239below the sector's middle half--€4,785below the sector's middle half▼ 114%-€45,922below the sector's middle half▼ 860%€14,422within the sector's middle half€15,853within the sector's middle half▲ 9.9%
Equity€12,761below the sector's middle half-€7,975below the sector's middle half▼ 37.5%-€37,947below the sector's middle half-€23,525below the sector's middle half▲ 38.0%-€7,673below the sector's middle half▲ 67.4%
Total assets€107,668below the sector's middle half-€49,354below the sector's middle half▼ 54.2%€61,927below the sector's middle half▲ 25.5%€66,189below the sector's middle half▲ 6.9%€79,500below the sector's middle half▲ 20.1%
Debt€94,908-€41,379▼ 56.4%€99,874▲ 141%€89,714▼ 10.2%€87,173▼ 2.8%
Working capital€12,761within the sector's middle half-€7,975below the sector's middle half▼ 37.5%-€37,947below the sector's middle half-€23,525below the sector's middle half▲ 38.0%-€7,673below the sector's middle half▲ 67.4%
Solvency11.9%below the sector's middle half-16.2%below the sector's middle half▲ 4.3pp-61.3%below the sector's middle half▼ 77.4pp-35.5%below the sector's middle half▲ 25.7pp-9.7%below the sector's middle half▲ 25.9pp
Current ratio1.13within the sector's middle half-1.19within the sector's middle half▲ 0.060.62below the sector's middle half▼ 0.570.74below the sector's middle half▲ 0.120.91below the sector's middle half▲ 0.17
Return on assets (ROA)-2.1%below the sector's middle half--9.7%below the sector's middle half▼ 7.6pp-74.2%below the sector's middle half▼ 64.5pp21.8%above the sector's middle half▲ 95.9pp19.9%above the sector's middle half▼ 1.8pp
Staff (FTE)2.1within the sector's middle half-2.3within the sector's middle half▲ 9.5%2within the sector's middle half▼ 13.0%2.3within the sector's middle half▲ 15.0%3.3within the sector's middle half▲ 43.5%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 18% above 2023 and is the highest result in the available series.
Key figures and ratios
Key figures and ratios
Debt ≤ 1 year
€87,173▼
2023 · €89,714
Income taxes
€1,095▲
2023 · €201
Staff costs
€263,955▲
2023 · €162,074
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,180 companies that looked in July 2024 the way this one looks now, 4.8% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a profit of 5% of the balance sheet or more
4.8%
went bankrupt
5.8%
stopped otherwise
89%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,180 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €124,105 | €114,559 | €162,074 | €263,955 | ▲ 62.9% |
| Other operating charges640/8 | - | - | €178 | €188 | €197 | ▲ 4.7% |
| Gross operating margin9900 | €117,107 | €119,551 | €69,586 | €178,043 | €282,718 | ▲ 58.8% |
| Operating profit (loss)9901 | -€2,010 | -€4,554 | -€45,151 | €15,781 | €18,567 | ▲ 17.7% |
| Financial income75/76B | - | €174 | €0 | - | - | - |
| Recurring financial income75 | €61 | €174 | €0 | - | - | - |
| Financial charges65/66B | - | €321 | €316 | €1,159 | €1,619 | ▲ 39.7% |
| Recurring financial charges65 | €206 | €321 | €316 | €1,159 | €1,619 | ▲ 39.7% |
| Profit (loss) for the period before taxes9903 | -€2,156 | -€4,702 | -€45,467 | €14,623 | €16,948 | ▲ 15.9% |
| Income taxes67/77 | €83 | €83 | €456 | €201 | €1,095 | ▲ 445% |
| Profit (loss) for the period9904 | -€2,239 | -€4,785 | -€45,922 | €14,422 | €15,853 | ▲ 9.9% |
| Profit (loss) for the period to be appropriated9905 | -€2,239 | -€4,785 | -€45,922 | €14,422 | €15,853 | ▲ 9.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €107,668 | €49,354 | €61,927 | €66,189 | €79,500 | ▲ 20.1% |
| Current assets29/58 | €107,668 | €49,354 | €61,927 | €66,189 | €79,500 | ▲ 20.1% |
| Amounts receivable within one year40/41 | €107,668 | €49,354 | €61,927 | €65,973 | €79,500 | ▲ 20.5% |
| Trade receivables40 | - | €49,290 | €46,905 | €65,600 | €79,500 | ▲ 21.2% |
| Other amounts receivable41 | - | €64 | €15,022 | €373 | - | - |
| Cash at bank and in hand54/58 | - | - | - | €216 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €107,668 | €49,354 | €61,927 | €66,189 | €79,500 | ▲ 20.1% |
| Equity10/15 | €12,761 | €7,975 | -€37,947 | -€23,525 | -€7,673 | ▲ 67.4% |
| Contributions10/11 | - | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Profit (loss) carried forward14 | -€2,239 | -€7,025 | -€52,947 | -€38,525 | -€22,673 | ▲ 41.1% |
| Amounts payable17/49 | €94,908 | €41,379 | €99,874 | €89,714 | €87,173 | ▼ 2.8% |
| Amounts payable within one year42/48 | €94,908 | €41,379 | €99,874 | €89,714 | €87,173 | ▼ 2.8% |
| Trade debts44 | €71,438 | €23,937 | €81,595 | €18,464 | €16,837 | ▼ 8.8% |
| Suppliers440/4 | - | €23,937 | €81,595 | €18,464 | €16,837 | ▼ 8.8% |
| Taxes, remuneration and social security45 | - | €17,358 | €18,279 | €25,897 | €41,454 | ▲ 60.1% |
| Taxes450/3 | - | €1,539 | €255 | - | €2,277 | - |
| Remuneration and social security454/9 | - | €15,819 | €18,024 | €25,897 | €39,177 | ▲ 51.3% |
| Other amounts payable47/48 | - | €84 | - | €45,352 | €28,881 | ▼ 36.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,239 | -€4,785 | -€45,922 | €14,422 | €15,853 | ▲ 9.9% |
| Operating cash flow (approximation) | -€2,239 | -€4,785 | -€45,922 | €14,422 | €15,853 | ▲ 9.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
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Of 268 companies in this sector we hold annual accounts for 133. 38 are within a factor 10 of this headcount. The 5 above are the closest to it. See the whole sector
Timeline
9 eventsLatest 15-06-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €15,853 ▲9.9%
Operating result €18,567, net result €15,853, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €14,422
Net result €14,422 after 3 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet -€45,922
Net result drops to -€45,922, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated 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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Support & recognitions
1 register with a recognitionFASFC 1 site
FASFC
1
authorised site
Recognitions · licences · registrations
Food safety, FASFC
1 siteBlankenbergeunit no. 2.382.032.958
Company details
Private limited company · founded 14-01-2020Year ends 31-12Peppol reachable2 sites
Register details
Identification
Legal formPrivate limited company
Founded14-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
47222Retail trade
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0741531940
Also
9925:BE0741531940
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Aalter · 2 establishment units since 2020
Ground area
1.7 ha
Building footprint
9,224 m²
Volume, LiDAR
67,399 m³
3 parcels, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
116
companies at this address
See who is registered here
2 establishment units
Satellietkantoor
since 2020unit no. 2.308.090.650
Bon'Ap
since 2026unit no. 2.382.032.958
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44503H0052/00C000 | Flanders | 1.4 ha | 1 · 9,001 m² | 11.4 m · 3 fl. |
| 31004C0007/00F002 | Flanders | 2,934 m² | 1 · 136 m² | 12.9 m · 1 fl. |
| 42021C0449/00M000 | Flanders | 164 m² | 1 · 87 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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