XMF Consult
ActiveSummary
XMF Consult is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €19k and a net result of €16k. Its solvency ranks better than 39% of 12707 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency69
Growth-
Track record50
Credit verdict
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.86; short-term debt: 53.7% and cash: 27.1% of total assets), but 55.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 1 filingDeviation from the deadline
2025
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€19k
Total assets
€44k
Net result
€16k
Working capital
€20k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €44k
Equity
€19k
Debt
€24k
Debt finances 55.5% of the balance-sheet total.
Key figures and ratios
Current ratio
1.86
Debt to equity
1.25
ROE
84.6%
ROA
37.6%
Debt ≤ 1 year
€24k
Income taxes
€6k
Filed annual accounts As filed with the NBB · 2025 · 29 lines
Balance sheet
Code2025
Assets
Total assets20/58€44k
Current assets29/58€44k
Amounts receivable within one year40/41€32k
Trade receivables40€32k
Cash at bank and in hand54/58€12k
Deferred charges and accrued income490/1€175
Equity and liabilities
Total equity and liabilities10/49€44k
Equity10/15€19k
Contributions10/11€3k
Profit (loss) carried forward14€16k
Amounts payable17/49€24k
Amounts payable within one year42/48€24k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€20k
Taxes450/3€16k
Remuneration and social security454/9€4k
Other amounts payable47/48€1k
Accrued charges and deferred income492/3€770
Income statement
Code2025
Other operating charges640/8€526
Gross operating margin9900€23k
Operating profit (loss)9901€22k
Financial charges65/66B€25
Recurring financial charges65€25
Profit (loss) for the period before taxes9903€22k
Income taxes67/77€6k
Profit (loss) for the period9904€16k
Profit (loss) for the period to be appropriated9905€16k
Appropriation of the result
Profit (loss) to be appropriated9906€16k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
NBB filing
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, Ukkel · 1 establishment unit since 2025
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.
Basculestraat 34/31180 UkkelGround area
116 m²
Building footprint
108 m²
Volume, LiDAR
1,560 m³
Parcel 21612C0001/00H017, Brussels · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
XMF Consult
since 20252.380.234.302
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0001/00H017 | Brussels | 116 m² | 1 · 108 m² | 17.8 m · 5 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.
Similar companies · same sector, comparable size
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FISCALDO
BE 0765.796.885
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SB ACCOUNTANCY & TAX
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G & V
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 4,373 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2025
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.