XP@
ActiveSummary
XP@ has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €120,776 and a net result of -€14,782. Equity is growing by ~15% per year across the filed fiscal years. Its solvency ranks better than 88% of 17179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability3▼-63
Solvency100=
Growth35▼-22
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 9.52 against 8.16 in 2024; short-term debt: 9.7% and cash: 6.4% of total assets), and 9.7% of the assets are financed with debt.
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Signals
Four 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
6 d early
2023
2 d early
2022
5 d early
2021
3 d early
2020
27 d late
2019
98 d late
← 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 15 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€27,639▼ 74.1%
2024 · €106,887
EBIT margin
-55.5%▼ 57.4pp
2024 · 1.9%
Net result
-€14,782
2024 · €1,171
Working capital
€110,098▼ 7.1%
2024 · €118,544
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€135,422▼ 3.4%€192,742▲ 42.3%€149,261▼ 22.6%€106,887▼ 28.4%€27,639▼ 74.1%
Operating result€18,994▼ 25.0%€66,633▲ 251%€20,449▼ 69.3%€2,054▼ 90.0%-€15,343
Net result€10,148▼ 80.8%€27,547▲ 171%€6,608▼ 76.0%€1,171▼ 82.3%-€14,782
EBIT margin14.0%▼ 4.0pp34.6%▲ 20.5pp13.7%▼ 20.9pp1.9%▼ 11.8pp-55.5%▼ 57.4pp
Equity€100,233▲ 11.3%€127,779▲ 27.5%€134,387▲ 5.2%€135,558▲ 0.9%€120,776▼ 10.9%
Total assets€113,850▲ 7.9%€159,617▲ 40.2%€169,868▲ 6.4%€152,108▼ 10.5%€133,698▼ 12.1%
Debt€13,618▼ 11.9%€31,838▲ 134%€35,481▲ 11.4%€16,550▼ 53.4%€12,922▼ 21.9%
Working capital€77,534▲ 15.7%€100,828▲ 30.0%€109,650▲ 8.7%€118,544▲ 8.1%€110,098▼ 7.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €15,343 after €2,054 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133,698
Fixed assets
€10,678 ▼ 37.2%
Current assets
€123,019 ▼ 8.9%
Equity and liabilities €133,698
Equity
€120,776 ▼ 10.9%
Debt
€12,922 ▼ 21.9%
Debt's share of the balance-sheet total falls from 10.9% to 9.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€9,007▼
2024 · €10,324
Cash flow
-€8,446▼
2024 · €9,441
Current ratio
9.52▲
2024 · 8.16
Debt to equity
0.11▼
2024 · 0.12
ROE
-12.2%▼
2024 · 0.9%
ROA
-11.1%▼
2024 · 0.8%
Interest coverage
-44.28▼
2024 · 17.61
Debt ≤ 1 year
€12,922▼
2024 · €16,550
Income taxes
€68▼
2024 · €423
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.9%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 4,815 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €135,422 | €192,742 | €149,261 | €106,887 | €27,639 | ▼ 74.1% |
| Non-recurring operating income76A | €1,989 | €2,715 | €2,856 | €0 | €240 | ▲ 85,729% |
| Goods, raw materials, services and sundry goods60/61 | €112,504 | €122,461 | €122,522 | €95,214 | €38,195 | ▼ 59.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,331 | €5,030 | €7,739 | €8,270 | €6,336 | ▼ 23.4% |
| Other operating charges640/8 | €1,581 | €1,333 | €1,407 | €1,349 | €225 | ▼ 83.3% |
| Non-recurring operating charges66A | €1 | €0 | - | €0 | €0 | ▲ 500% |
| Gross operating margin9900 | €24,907 | €72,995 | €29,595 | €11,673 | -€8,781 | ▼ 175% |
| Operating profit (loss)9901 | €18,994 | €66,633 | €20,449 | €2,054 | -€15,343 | ▼ 847% |
| Financial income75/76B | €643 | €33 | €34 | €126 | €832 | ▲ 559% |
| Recurring financial income75 | €643 | €33 | €34 | €126 | €832 | ▲ 559% |
| Financial charges65/66B | €818 | €10,213 | €747 | €586 | €203 | ▼ 65.3% |
| Recurring financial charges65 | €818 | €10,213 | €747 | €586 | €203 | ▼ 65.3% |
| Profit (loss) for the period before taxes9903 | €18,819 | €56,453 | €19,737 | €1,594 | -€14,715 | ▼ 1,023% |
| Income taxes67/77 | €8,671 | €28,906 | €13,129 | €423 | €68 | ▼ 84.0% |
| Profit (loss) for the period9904 | €10,148 | €27,547 | €6,608 | €1,171 | -€14,782 | ▼ 1,362% |
| Profit (loss) for the period to be appropriated9905 | €10,148 | €27,547 | €6,608 | €1,171 | -€14,782 | ▼ 1,362% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €113,850 | €159,617 | €169,868 | €152,108 | €133,698 | ▼ 12.1% |
| Fixed assets21/28 | €22,699 | €26,951 | €24,737 | €17,015 | €10,678 | ▼ 37.2% |
| Tangible fixed assets22/27 | €21,799 | €26,051 | €23,837 | €16,115 | €9,778 | ▼ 39.3% |
| Land and buildings22 | €17,488 | €15,467 | €13,446 | €11,426 | €9,405 | ▼ 17.7% |
| Plant, machinery and equipment23 | €3,387 | €10,024 | €6,398 | €3,781 | €374 | ▼ 90.1% |
| Furniture and vehicles24 | €924 | €560 | €3,993 | €908 | - | - |
| Financial fixed assets28 | €900 | €900 | €900 | €900 | €900 | = |
| Current assets29/58 | €91,151 | €132,666 | €145,130 | €135,094 | €123,019 | ▼ 8.9% |
| Amounts receivable within one year40/41 | €67,136 | €113,755 | €130,966 | €82,445 | €79,516 | ▼ 3.6% |
| Trade receivables40 | €10,482 | €16,655 | €10,463 | €7,250 | €2,350 | ▼ 67.6% |
| Other amounts receivable41 | €56,654 | €97,099 | €120,503 | €75,195 | €77,166 | ▲ 2.6% |
| Current investments50/53 | €10,600 | - | - | €50,089 | €35,000 | ▼ 30.1% |
| Cash at bank and in hand54/58 | €12,841 | €18,461 | €14,164 | €2,559 | €8,503 | ▲ 232% |
| Deferred charges and accrued income490/1 | €575 | €450 | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €113,850 | €159,617 | €169,868 | €152,108 | €133,698 | ▼ 12.1% |
| Equity10/15 | €100,233 | €127,779 | €134,387 | €135,558 | €120,776 | ▼ 10.9% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €855 | €15,855 | €21,855 | €21,855 | €21,855 | = |
| Non-distributable reserves130/1 | €855 | €855 | €855 | €855 | €855 | = |
| Reserves not available under the articles1311 | €855 | €855 | €855 | €855 | €855 | = |
| Distributable reserves133 | - | €15,000 | €21,000 | €21,000 | €21,000 | = |
| Profit (loss) carried forward14 | €86,978 | €99,524 | €100,132 | €101,303 | €86,521 | ▼ 14.6% |
| Amounts payable17/49 | €13,618 | €31,838 | €35,481 | €16,550 | €12,922 | ▼ 21.9% |
| Amounts payable within one year42/48 | €13,618 | €31,838 | €35,481 | €16,550 | €12,922 | ▼ 21.9% |
| Trade debts44 | €7,304 | €10,718 | €6,734 | €8,035 | €6,154 | ▼ 23.4% |
| Suppliers440/4 | €7,304 | €10,718 | €6,734 | €8,035 | €6,154 | ▼ 23.4% |
| Taxes, remuneration and social security45 | €6,313 | €21,120 | €28,747 | €1,788 | - | - |
| Taxes450/3 | €6,313 | €21,120 | €28,747 | €1,788 | - | - |
| Other amounts payable47/48 | - | - | - | €6,726 | €6,768 | ▲ 0.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,148 | €27,547 | €6,608 | €1,171 | -€14,782 | ▼ 1,362% |
| + Depreciation and write-downs630 | €4,331 | €5,030 | €7,739 | €8,270 | €6,336 | ▼ 23.4% |
| Operating cash flow (approximation) | €14,479 | €32,577 | €14,346 | €9,441 | -€8,446 | ▼ 189% |
| Investment in fixed assets (approximation) | - | -€9,282 | -€5,525 | -€547 | €0 | ▲ 100% |
| Change in cash | - | €5,621 | -€4,297 | -€11,605 | €5,944 | ▲ 151% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€14,782
Net result drops to -€14,782, the lowest in the series.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €100,233 ▲11.3%
4 profitable years in a row build equity to €100,233.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Highest result since 2018net €52,770 ▲85.4%
Net result €52,770, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 6.22
Current ratio from 2.41 to 6.22; short-term debt falls from €14,293 to €12,840.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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Directors · office · real estate
Directors
2 acts for this company are 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2010
Ground area
1.4 ha
Building footprint
270 m²
Volume, LiDAR
4,602 m³
Parcel 21018B0185/00E000, Brussels · tallest building 19.8 m, ±6 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
XP@
since 20102.184.886.495
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018B0185/00E000 | Brussels | 1.4 ha | 1 · 270 m² | 19.8 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BNPR INVEST
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,396. 15,482 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-02-2010
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0822903359
Also
9925:BE0822903359
Registered
19-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.