Summary
XPLUS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €395,797 and a net result of €6,200. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 82% of 2463 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
27 d early
2023
30 d early
2022
34 d early
2021
29 d late
2020
17 d late
2019
25 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 5 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€395,797▼ 8.7%
2024 · €433,586
Net result
€6,200▼ 85.4%
2024 · €42,467
Total assets
€474,212▼ 15.1%
2024 · €558,234
Solvency
83.5%▲ 5.8pp
2024 · 77.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€112,437▲ 57.7%€95,486▼ 15.1%€88,393▼ 7.4%€54,166▼ 38.7%-€7,025
Net result€92,005above the sector's middle half▲ 66.3%€72,013above the sector's middle half▼ 21.7%€66,425within the sector's middle half▼ 7.8%€42,467within the sector's middle half▼ 36.1%€6,200within the sector's middle half▼ 85.4%
Equity€281,449within the sector's middle half▲ 13.4%€353,462above the sector's middle half▲ 25.6%€419,887above the sector's middle half▲ 18.8%€433,586above the sector's middle half▲ 3.3%€395,797above the sector's middle half▼ 8.7%
Total assets€366,601within the sector's middle half▲ 11.3%€483,379within the sector's middle half▲ 31.9%€559,087within the sector's middle half▲ 15.7%€558,234within the sector's middle half▼ 0.2%€474,212within the sector's middle half▼ 15.1%
Debt€85,152▲ 4.8%€129,917▲ 52.6%€139,200▲ 7.1%€124,648▼ 10.5%€78,414▼ 37.1%
Working capital€247,649above the sector's middle half▲ 10.6%€221,575above the sector's middle half▼ 10.5%€50,447within the sector's middle half▼ 77.2%€71,151within the sector's middle half▲ 41.0%€56,720within the sector's middle half▼ 20.3%
Solvency76.8%above the sector's middle half▲ 1.4pp73.1%within the sector's middle half▼ 3.6pp75.1%above the sector's middle half▲ 2.0pp77.7%above the sector's middle half▲ 2.6pp83.5%above the sector's middle half▲ 5.8pp
Current ratio4.02above the sector's middle half=3.30within the sector's middle half▼ 0.731.45within the sector's middle half▼ 1.841.68within the sector's middle half▲ 0.231.87within the sector's middle half▲ 0.19
Return on assets (ROA)25.1%above the sector's middle half▲ 8.3pp14.9%within the sector's middle half▼ 10.2pp11.9%within the sector's middle half▼ 3.0pp7.6%within the sector's middle half▼ 4.3pp1.3%below the sector's middle half▼ 6.3pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 €7,025 after €54,166 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €474,212
Fixed assets
€352,620 ▼ 7.9%
Current assets
€121,592 ▼ 30.6%
Equity and liabilities €474,212
Equity
€395,797 ▼ 8.7%
Debt
€78,414 ▼ 37.1%
Debt's share of the balance-sheet total falls from 22.3% to 16.5%. Equity and debt are lower.
Key figures and ratios
ROE
1.6%▼
2024 · 9.8%
Debt ≤ 1 year
€64,872▼
2024 · €104,107
Debt > 1 year
€12,173▼
2024 · €16,248
Income taxes
€3,522▼
2024 · €16,953
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €1 | €10,595 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,506 | €24,971 | €52,946 | €34,394 | €35,316 | ▲ 2.7% |
| Other operating charges640/8 | €363 | €374 | €1,979 | €5,747 | €1,857 | ▼ 67.7% |
| Non-recurring operating charges66A | - | - | €9,686 | - | - | - |
| Gross operating margin9900 | €119,307 | €120,831 | €153,004 | €94,307 | €30,149 | ▼ 68.0% |
| Operating profit (loss)9901 | €112,437 | €95,486 | €88,393 | €54,166 | -€7,025 | ▼ 113% |
| Financial income75/76B | €15,675 | €5,907 | €6,456 | €6,794 | €17,467 | ▲ 157% |
| Recurring financial income75 | €897 | €125 | €94 | €357 | €1,077 | ▲ 201% |
| Non-recurring financial income76B | €14,778 | €5,783 | €6,362 | €6,437 | €16,390 | ▲ 155% |
| Financial charges65/66B | €654 | €297 | €750 | €1,541 | €720 | ▼ 53.3% |
| Recurring financial charges65 | €654 | €297 | €750 | €1,541 | €720 | ▼ 53.3% |
| Profit (loss) for the period before taxes9903 | €127,458 | €101,096 | €94,099 | €59,420 | €9,722 | ▼ 83.6% |
| Income taxes67/77 | €35,453 | €29,083 | €27,674 | €16,953 | €3,522 | ▼ 79.2% |
| Profit (loss) for the period9904 | €92,005 | €72,013 | €66,425 | €42,467 | €6,200 | ▼ 85.4% |
| Profit (loss) for the period to be appropriated9905 | €92,005 | €72,013 | €66,425 | €42,467 | €6,200 | ▼ 85.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €366,601 | €483,379 | €559,087 | €558,234 | €474,212 | ▼ 15.1% |
| Fixed assets21/28 | €37,034 | €165,263 | €397,223 | €382,976 | €352,620 | ▼ 7.9% |
| Tangible fixed assets22/27 | €30,034 | €158,263 | €397,223 | €382,976 | €352,620 | ▼ 7.9% |
| Land and buildings22 | €20,862 | €18,817 | €227,564 | €232,278 | €224,961 | ▼ 3.1% |
| Plant, machinery and equipment23 | €2,859 | €2,873 | €5,349 | €10,350 | €10,058 | ▼ 2.8% |
| Furniture and vehicles24 | €6,314 | €136,572 | €164,311 | €140,348 | €117,600 | ▼ 16.2% |
| Financial fixed assets28 | €7,000 | €7,000 | - | - | - | - |
| Current assets29/58 | €329,566 | €318,116 | €161,864 | €175,258 | €121,592 | ▼ 30.6% |
| Amounts receivable after more than one year29 | €28,000 | €28,000 | - | - | - | - |
| Other amounts receivable291 | €28,000 | €28,000 | - | - | - | - |
| Amounts receivable within one year40/41 | €5,942 | €88,247 | €62,540 | €298 | €1,868 | ▲ 528% |
| Trade receivables40 | €5,942 | €80,447 | €62,540 | €298 | €1,868 | ▲ 528% |
| Other amounts receivable41 | - | €7,800 | - | - | - | - |
| Current investments50/53 | €39,297 | €49,922 | €63,500 | €105,655 | €56,250 | ▼ 46.8% |
| Cash at bank and in hand54/58 | €254,945 | €150,403 | €32,677 | €66,204 | €61,741 | ▼ 6.7% |
| Deferred charges and accrued income490/1 | €1,383 | €1,544 | €3,146 | €3,102 | €1,733 | ▼ 44.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €366,601 | €483,379 | €559,087 | €558,234 | €474,212 | ▼ 15.1% |
| Equity10/15 | €281,449 | €353,462 | €419,887 | €433,586 | €395,797 | ▼ 8.7% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €269,049 | €341,062 | €407,487 | €421,186 | €383,397 | ▼ 9.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | €7,020 | €7,020 | €7,020 | €7,020 | €7,020 | = |
| Distributable reserves133 | €260,169 | €332,182 | €400,467 | €414,167 | €376,378 | ▼ 9.1% |
| Amounts payable17/49 | €85,152 | €129,917 | €139,200 | €124,648 | €78,414 | ▼ 37.1% |
| Amounts payable after more than one year17 | - | €24,702 | €20,274 | €16,248 | €12,173 | ▼ 25.1% |
| Financial debts170/4 | - | €24,702 | €20,274 | €16,248 | €12,173 | ▼ 25.1% |
| Amounts payable within one year42/48 | €81,917 | €96,541 | €111,417 | €104,107 | €64,872 | ▼ 37.7% |
| Current portion of amounts payable after more than one year42 | €2,291 | €3,929 | €3,977 | €4,026 | €4,075 | ▲ 1.2% |
| Trade debts44 | €1,145 | €318 | €3,139 | €4,870 | €4,638 | ▼ 4.8% |
| Suppliers440/4 | €1,145 | €318 | €3,139 | €4,870 | €4,638 | ▼ 4.8% |
| Advances received on contracts in progress46 | €32,319 | €33,313 | €33,313 | €34,313 | €36,651 | ▲ 6.8% |
| Taxes, remuneration and social security45 | €41,837 | €52,737 | €64,713 | €52,951 | €15,260 | ▼ 71.2% |
| Taxes450/3 | €41,837 | €52,737 | €64,713 | €52,951 | €15,260 | ▼ 71.2% |
| Other amounts payable47/48 | €4,326 | €6,245 | €6,274 | €7,946 | €4,248 | ▼ 46.5% |
| Accrued charges and deferred income492/3 | €3,235 | €8,674 | €7,510 | €4,293 | €1,369 | ▼ 68.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €92,005 | €72,013 | €66,425 | €42,467 | €6,200 | ▼ 85.4% |
| + Depreciation and write-downs630 | €6,506 | €24,971 | €52,946 | €34,394 | €35,316 | ▲ 2.7% |
| Operating cash flow (approximation) | €98,511 | €96,984 | €119,371 | €76,861 | €41,517 | ▼ 46.0% |
| Investment in fixed assets (approximation) | - | -€153,199 | -€284,906 | -€20,147 | -€4,960 | ▲ 75.4% |
| Change in cash | - | -€104,542 | -€117,726 | €33,526 | -€4,463 | ▼ 113% |
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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €92,005 ▲66.3%
Operating result €112,437, net result €92,005, both a record.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Equity above €200,000Eq €248,285 ▲28.7%
3 profitable years in a row build equity to €248,285.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Equity above €150,000Eq €192,974 ▲30.6%
2 profitable years in a row build equity to €192,974.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 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, Heist-op-den-Berg · 1 establishment unit since 2009
Ground area
5,902 m²
Building footprint
346 m²
Volume, LiDAR
1,912 m³
Parcel 12322I0924/00F000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
XPLUS BVBA
since 20092.181.944.724
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0924/00F000 | Flanders | 5,902 m² | 1 · 346 m² | 8.4 m · 2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
- Sourceown accounts 202550%
According to the 2025 annual accounts of XPLUS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Recognitions · licences · registrations
Legal Entity Identifier
254900B0DKFETCWMLQ38
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Of 853 companies in sector 66210 we hold annual accounts for 511. 378 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
Founded23-09-2009
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
62200Computer consultancy and computer facilities management
73110Advertising agencies
Contact
Phone
015/250510Heist-op-den-Berg
E-invoicing
Reachable via Peppol
Peppol ID
0208:0819139858
Also
9925:BE0819139858
Registered
02-09-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.