XHUMA CONSULTING
ActiveXHUMA CONSULTING has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €75k and a net result of €5k. Equity is growing by ~32.7% per year across the filed fiscal years. Its solvency ranks better than 33% of 159 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2026
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability35▼-63
Solvency73▼-23
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 2.84 in 2025; short-term debt: 51.9% and cash: 6.5% of total assets), and 51.9% 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
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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
48.1%
Return on assets
3.3%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 11-09-2026, 50 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2026
50 d early
2025
150 d early
2024
29 d early
2023
27 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€75k▼ 49.1%
2025 · €148k
2023: €50k
2024: €100k
2025: €148k
2023 → 2026
Total assets
€157k▼ 25.3%
2025 · €210k
2023: €71k
2024: €187k
2025: €210k
2023 → 2026
Net result
€5k▼ 89.4%
2025 · €49k
2023: €47k
2024: €50k
2025: €49k
2023 → 2026
Working capital
€11k▼ 87.0%
2025 · €85k
2023: €45k
2024: €44k
2025: €85k
2023 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2023202420252026Trend
Equity€50k-€100k▲ 101%€148k▲ 48.8%€75k▼ 49.1%
Operating result€61k-€64k▲ 4.9%€59k▼ 8.8%€63k▲ 6.7%
Net result€47k-€50k▲ 7.7%€49k▼ 2.9%€5k▼ 89.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 7% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €157k
Fixed assets
€64k▼ 18.8%
Current assets
€92k▼ 29.2%
Equity and liabilities €157k
Equity
€75k▼ 49.1%
Debt
€81k▲ 32.1%
The debt ratio rises from 29.4% to 51.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€85k▲
2025 · €80k
Cash flow
€28k▼
2025 · €70k
Solvency
48.1%▼
2025 · 70.6%
Current ratio
1.14▼
2025 · 2.84
Quick ratio
1.14▼
2025 · 2.84
Debt / equity
1.08▲
2025 · 0.42
ROE
6.8%▼
2025 · 32.8%
ROA
3.3%▼
2025 · 23.2%
Interest coverage
1.46▼
2025 · 35.41
Debt
€81k▲
2025 · €62k
Debt ≤ 1 year
€81k▲
2025 · €46k
Debt > 1 year
€0▼
2025 · €16k
Income taxes
€4k▼
2025 · €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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€210k€157k▼
Fixed assets21/28€79k€64k▼
Tangible fixed assets22/27€79k€64k▼
Plant, machinery and equipment23€565€4k▲
Furniture and vehicles24€79k€58k▼
Other tangible fixed assets26-€2k
Current assets29/58€131k€92k▼
Amounts receivable after more than one year29€15k€0▼
Other amounts receivable291€15k€0▼
Amounts receivable within one year40/41€21k€20k▼
Trade receivables40€18k€18k▲
Other amounts receivable41€3k€2k▼
Current investments50/53€66k€57k▼
Cash at bank and in hand54/58€22k€10k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€210k€157k▼
Equity10/15€148k€75k▼
Contributions10/11€3k€3k=
Reserves13€145k€72k▼
Distributable reserves133€145k€72k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€62k€81k▲
Amounts payable after more than one year17€16k€0▼
Financial debts170/4€16k€0▼
Amounts payable within one year42/48€46k€81k▲
Current portion of amounts payable after more than one year42€20k€16k▼
Trade debts44€8k€3k▼
Suppliers440/4€8k€3k▼
Taxes, remuneration and social security45€18k€3k▼
Taxes450/3€18k€3k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€0€60k▲
Accrued charges and deferred income492/3€51€20▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€23k▲
Other operating charges640/8€808€1k▲
Non-recurring operating charges66A€634€108▼
Gross operating margin9900€81k€87k▲
Operating profit (loss)9901€59k€63k▲
Financial income75/76B€7k€5k▼
Recurring financial income75€7k€5k▼
Financial charges65/66B€2k€58k▲
Recurring financial charges65€2k€58k▲
Profit (loss) for the period before taxes9903€63k€10k▼
Income taxes67/77€15k€4k▼
Profit (loss) for the period9904€49k€5k▼
Profit (loss) for the period to be appropriated9905€49k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€5k▼
Transfer from equity791/2-€78k
Transfer to equity691/2€49k€5k▼
To other reserves6921€49k€5k▼
Profit to be distributed694/7-€78k
Return on contributions (dividend)694-€78k
The notes to these accounts (8 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 2027, expected by
2026
11-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Weakest financial yearnet €5k ▼89.4%
Net result drops to €5k, the lowest in the series.
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €100kEq €148k ▲48.8%
3 profitable years in a row build equity to €148k.
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2023net €50k ▲7.7%
Operating result €64k, net result €50k, both a record.
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Kalmthout · 1 establishment unit since 2022
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.
Kapellensteenweg (C) 5292920 KalmthoutGround area
131 m²
Building footprint
131 m²
Volume, LiDAR
829 m³
Parcel 11662E0601/00B000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
XHUMA CONSULTING
since 20222.330.871.990
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0601/00B000 | Flanders | 130 m² | 1 · 130 m² | 9.2 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400PDFWXNUWZUQI25
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,392. 15,572 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2022
Fiscal year end31-03
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.