Summary
XVRBVS 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 €17k and a net result of €14k. Its solvency ranks better than 29% of 2444 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
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 2024, 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 31-08-2026, 31 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
31 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€17k
Net result
€14k
Total assets
€72k
Solvency
23.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €72k
Fixed assets
€12k
Current assets
€61k
Equity and liabilities €72k
Equity
€17k
Debt
€55k
Debt finances 76.1% of the balance-sheet total.
Key figures and ratios
ROE
82.7%
ROA
19.7%
Debt ≤ 1 year
€20k
Debt > 1 year
€34k
Income taxes
€5k
Filed annual accounts As filed with the NBB · 2025 · 35 lines
Balance sheet
Code2025
Assets
Total assets20/58€72k
Fixed assets21/28€12k
Tangible fixed assets22/27€12k
Furniture and vehicles24€3k
Other tangible fixed assets26€8k
Current assets29/58€61k
Amounts receivable within one year40/41€24k
Other amounts receivable41€24k
Cash at bank and in hand54/58€37k
Equity and liabilities
Total equity and liabilities10/49€72k
Equity10/15€17k
Contributions10/11€3k
Profit (loss) carried forward14€14k
Amounts payable17/49€55k
Amounts payable after more than one year17€34k
Other amounts payable178/9€34k
Amounts payable within one year42/48€20k
Current portion of amounts payable after more than one year42€10k
Taxes, remuneration and social security45€8k
Taxes450/3€8k
Other amounts payable47/48€3k
Accrued charges and deferred income492/3€600
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k
Other operating charges640/8€3k
Gross operating margin9900€25k
Operating profit (loss)9901€21k
Financial income75/76B€34
Recurring financial income75€34
Financial charges65/66B€1k
Recurring financial charges65€1k
Profit (loss) for the period before taxes9903€20k
Income taxes67/77€5k
Profit (loss) for the period9904€14k
Profit (loss) for the period to be appropriated9905€14k
Appropriation of the result
Profit (loss) to be appropriated9906€14k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k |
| Other operating charges640/8 | €3k |
| Gross operating margin9900 | €25k |
| Operating profit (loss)9901 | €21k |
| Financial income75/76B | €34 |
| Recurring financial income75 | €34 |
| Financial charges65/66B | €1k |
| Recurring financial charges65 | €1k |
| Profit (loss) for the period before taxes9903 | €20k |
| Income taxes67/77 | €5k |
| Profit (loss) for the period9904 | €14k |
| Profit (loss) for the period to be appropriated9905 | €14k |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €72k | |
| Fixed assets21/28 | €12k | |
| Tangible fixed assets22/27 | €12k | |
| Furniture and vehicles24 | €3k | |
| Other tangible fixed assets26 | €8k | |
| Current assets29/58 | €61k | |
| Amounts receivable within one year40/41 | €24k | |
| Other amounts receivable41 | €24k | |
| Cash at bank and in hand54/58 | €37k | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €72k | |
| Equity10/15 | €17k | |
| Contributions10/11 | €3k | |
| Profit (loss) carried forward14 | €14k | |
| Amounts payable17/49 | €55k | |
| Amounts payable after more than one year17 | €34k | |
| Other amounts payable178/9 | €34k | |
| Amounts payable within one year42/48 | €20k | |
| Current portion of amounts payable after more than one year42 | €10k | |
| Taxes, remuneration and social security45 | €8k | |
| Taxes450/3 | €8k | |
| Other amounts payable47/48 | €3k | |
| Accrued charges and deferred income492/3 | €600 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €14k |
| + Depreciation and write-downs630 | €1k |
| Operating cash flow (approximation) | €15k |
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Perwez · 1 establishment unit since 2024
Ground area
2,285 m²
Building footprint
185 m²
Volume, LiDAR
1,601 m³
Parcel 25100A0367/00P002, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
XVRBVS
since 20242.368.518.383
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25100A0367/00P002 | Wallonia | 2,285 m² | 1 · 185 m² | 10.8 m · 3 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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Of 62 companies in sector 66129 we hold annual accounts for 38. 13 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
Founded13-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
66129Activities auxiliary to financial services and insurance activities
70200Business and other management consultancy
Contact
E-mail
xavierbeauvois@gmail.com
Phone
0032475330177
Scores and ratios are computed by Checked and are not a credit decision.