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XOLATO

Active
Private limited companyfounded 201412 yrs activeDuindoornstraat 9, 8450 Bredene, BelgiumKBO/BCE: BE 0563.428.458
Summary

XOLATO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€965) and a net result of €11,996. Equity is growing by ~28.9% per year across the filed fiscal years. Its solvency ranks better than 16% of 9986 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
XOLATOActiveChecked score 55/100
Risk analysis ReportCompare

Overview

What they do
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
How big
€372,408total assets 2025
Equity
-€965
Profit
€11,996
Turnover not published (abridged schema)
Financially healthy?
55 Fair Checked score 2025
Bankruptcy chance 12 m
0.4%
Who decides
Holdings
1
Accounts on time0 of 5 deeds read
Why 55Capped at 59: negative equity- Negative equity -€965- Liquidity: current ratio 0.16, cash €14,979+ Size: total assets €372,408+ Sector Real estate activities (NACE 68)Show the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 49% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 25+3
equity -0.3% of total assets
Liquidity 26-3
short-term debt 56.6% · cash 4.0%
Profitability 73-2
return on assets 3.2%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,331 companies)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● 0.0% vs 11-2024 01-2025: 0.4%▲ +8.9% vs 12-2024 02-2025: 0.4%▼ -5.1% vs 01-2025 03-2025: 0.3%▼ -13.4% vs 02-2025 04-2025: 0.4%▲ +20.5% vs 03-2025 05-2025: 0.6%▲ +45.6% vs 04-2025 06-2025: 0.3%▼ -44.2% vs 05-2025lowest value 07-2025: 0.3%● 0.0% vs 06-2025lowest value 08-2025: 0.3%▲ +3.5% vs 07-2025 09-2025: 0.3%▲ +0.6% vs 08-2025 10-2025: 0.3%▼ -1.2% vs 09-2025 11-2025: 0.3%▲ +5.6% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.4%▲ +6.4% vs 12-2025 02-2026: 0.4%▼ -2.2% vs 01-2026 03-2026: 0.3%▼ -2.8% vs 02-2026 04-2026: 0.4%▲ +26.0% vs 03-2026 05-2026: 0.6%▲ +44.5% vs 04-2026highest value 06-2026: 0.3%▼ -44.6% vs 05-2026 07-2026: 0.4%▲ +5.4% vs 06-2026 08-2026: 0.4%● 0.0% vs 07-2026 09-2026: 0.4%● 0.0% vs 08-2026 10-2026: 0.4%▼ -1.9% vs 09-2026
  • Size: total assets €372,408 lowers the probability for this profile
  • Negative equity -€965 raises the probability
  • Sector Real estate activities (NACE 68) lowers the probability
  • Liquidity: current ratio 0.16, cash €14,979 raises the probability
No credit on open account
Liquidity short (current ratio 0.16 against 0.12 in 2024; short-term debt: 56.6% and cash: 4% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 19%, liquidity 20%, profitability 65%, growth against the median 91%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €372,408
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity -€965
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Real estate activities (NACE 68)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Liquidity: current ratio 0.16, cash €14,979
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 9986 sector peers (2025).
NBB · sector comparison
Position among 9986 sector peers
Solvency
better than 16%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
68 d early
2022
68 d early
2021
1 d early
2020
on the day
2019
24 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 29 April (4 of the last 5 filed years within 66 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 close02-10-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€965 View
  • Caution: Among the weakest 17% on solvencysector median 31.3% · 9,986 companies -0.3% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 6 profitable years in a rowprofit 2025: €11,996 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€372,408
Profit
€11,996
Solvency
-0.3%
Go to Financials

Timeline

Events
11
Since
2017
Next accounts
by 30-04-2027
  1. 30-04-2026Annual accounts filed
  2. 30-04-2025Annual accounts filed
  3. 22-02-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
29-09-2014
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

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