Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-06-2026 at the NBB all 10 filings
Equity
€305,675▲ 27.7%
2024 · €239,359
Net result
€66,317▲ 75.5%
2024 · €37,793
Total assets
€307,548▲ 28.3%
2024 · €239,708
Solvency
99.4%▼ 0.5pp
2024 · 99.9%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 75% higher than in 2024 and the highest since 2021. It is the second rise in a row, after the fall in 2023.
Operating result€98,039
2025
Net result€66,317
2025
Total assets€307,548
2025
Equity€305,675
2025
Debt€1,873
2025
Working capital€87,246
2025
Return on assets (ROA)21.6%
2025
Solvency99.4%
2025
Current ratio47.59
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€62,147-€20,144▼ 67.6%€27,072▲ 34.4%€30,556▲ 12.9%€66,187▲ 117%€44,167▼ 33.3%€56,138▲ 27.1%€98,039▲ 74.6%
Net result€37,406-€10,224▼ 72.7%€16,017within the sector's middle half▲ 56.7%€19,544within the sector's middle half▲ 22.0%€48,179within the sector's middle half▲ 147%€29,513within the sector's middle half▼ 38.7%€37,793within the sector's middle half▲ 28.1%€66,317within the sector's middle half▲ 75.5%
Equity€228,088-€238,312▲ 4.5%€254,329within the sector's middle half▲ 6.7%€273,873within the sector's middle half▲ 7.7%€222,052within the sector's middle half▼ 18.9%€251,565within the sector's middle half▲ 13.3%€239,359within the sector's middle half▼ 4.9%€305,675within the sector's middle half▲ 27.7%
Total assets€354,559-€356,210▲ 0.5%€320,408below the sector's middle half▼ 10.1%€310,268within the sector's middle half▼ 3.2%€254,467within the sector's middle half▼ 18.0%€255,553within the sector's middle half▲ 0.4%€239,708within the sector's middle half▼ 6.2%€307,548within the sector's middle half▲ 28.3%
Debt€126,471-€117,899▼ 6.8%€66,079▼ 44.0%€36,395▼ 44.9%€32,415▼ 10.9%€3,988▼ 87.7%€349▼ 91.2%€1,873▲ 437%
Working capital-€2,413-€11,866€31,254within the sector's middle half▲ 163%€53,142within the sector's middle half▲ 70.0%€3,488within the sector's middle half▼ 93.4%€33,499within the sector's middle half▲ 860%€19,933within the sector's middle half▼ 40.5%€87,246within the sector's middle half▲ 338%
Solvency64.3%-66.9%▲ 2.6pp79.4%above the sector's middle half▲ 12.5pp88.3%above the sector's middle half▲ 8.9pp87.3%above the sector's middle half▼ 1.0pp98.4%above the sector's middle half▲ 11.2pp99.9%above the sector's middle half▲ 1.4pp99.4%above the sector's middle half▼ 0.5pp
Current ratio0.98-1.10▲ 0.121.49within the sector's middle half▲ 0.392.51within the sector's middle half▲ 1.021.11within the sector's middle half▼ 1.409.40above the sector's middle half▲ 8.2958.12above the sector's middle half▲ 48.7247.59above the sector's middle half▼ 10.53
Return on assets (ROA)10.5%-2.9%▼ 7.7pp5.0%within the sector's middle half▲ 2.1pp6.3%within the sector's middle half▲ 1.3pp18.9%above the sector's middle half▲ 12.6pp11.5%within the sector's middle half▼ 7.4pp15.8%within the sector's middle half▲ 4.2pp21.6%within the sector's middle half▲ 5.8pp
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €307,548
Fixed assets
€218,430 ▼ 0.5%
Current assets
€89,118 ▲ 339%
Equity and liabilities €307,548
Equity
€305,675 ▲ 27.7%
Debt
€1,873 ▲ 437%
Debt's share of the balance-sheet total rises from 0.1% to 0.6%. Equity and debt are higher.
Key figures and ratios
ROE
21.7%▲
2024 · 15.8%
Debt ≤ 1 year
€1,873▲
2024 · €349
Income taxes
€31,668▲
2024 · €18,294
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Comparable companies
These companies have the same main activity as XVU: other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199). They are comparable in size and age: total assets between €215,000 and €463,000, founded between 2012 and 2016.
| Company | Founded | Total assets | Equity | Gross margin | Net result | FTE | Financial year |
|---|---|---|---|---|---|---|---|
| XVU Kalmthout | 2015 | €307,548 | €305,675 | €99,555 | €66,317 | - | 2025 |
| EN Solutions Harelbeke | 2012 | €317,025 | €296,741 | €108,530 | €80,017 | - | 2025 |
| ENGENIEUR Dilbeek | 2016 | €214,502 | €121,225 | €101,519 | €74,135 | - | 2025 |
| VAN dEN EYNDE CONSULTING Vilvoorde | 2014 | €459,149 | €328,253 | €86,181 | €33,057 | - | 2025 |
| I-LEASE Wavre | 2015 | €327,732 | €42,247 | €158,703 | €38,841 | 1 | 2025 |
| OPTIVY Patrimoine & Finance Florennes | 2013 | €450,352 | €70,823 | €116,030 | €21,566 | - | 2025 |
| D-SKYVISION Heusden-Zolder | 2016 | €462,717 | €189,568 | €131,926 | €95,464 | - | 2025 |
They were chosen from the 941 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,180 | €4,180 | €4,180 | €4,494 | €5,272 | €1,279 | €1,067 | €996 | ▼ 6.6% |
| Other operating charges640/8 | - | - | - | €101 | €102 | €109 | €118 | €520 | ▲ 340% |
| Gross operating margin9900 | €66,478 | €24,731 | €31,352 | €35,151 | €71,561 | €45,555 | €57,323 | €99,555 | ▲ 73.7% |
| Operating profit (loss)9901 | €62,147 | €20,144 | €27,072 | €30,556 | €66,187 | €44,167 | €56,138 | €98,039 | ▲ 74.6% |
| Recurring financial income75 | €0 | €8 | €55 | - | - | - | - | - | - |
| Financial charges65/66B | - | - | - | €1,226 | €830 | €48 | €51 | €54 | ▲ 5.9% |
| Recurring financial charges65 | €3,174 | €3,029 | €2,247 | €1,226 | €830 | €48 | €51 | €54 | ▲ 5.9% |
| Profit (loss) for the period before taxes9903 | €58,973 | €17,124 | €24,880 | €29,330 | €65,357 | €44,119 | €56,087 | €97,985 | ▲ 74.7% |
| Income taxes67/77 | €21,568 | €6,900 | €8,863 | €9,786 | €17,178 | €14,606 | €18,294 | €31,668 | ▲ 73.1% |
| Profit (loss) for the period9904 | €37,406 | €10,224 | €16,017 | €19,544 | €48,179 | €29,513 | €37,793 | €66,317 | ▲ 75.5% |
| Profit (loss) for the period to be appropriated9905 | €37,406 | €10,224 | €16,017 | €19,544 | €48,179 | €29,513 | €37,793 | €66,317 | ▲ 75.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €354,559 | €356,210 | €320,408 | €310,268 | €254,467 | €255,553 | €239,708 | €307,548 | ▲ 28.3% |
| Fixed assets21/28 | €233,633 | €229,453 | €225,273 | €221,909 | €219,345 | €218,066 | €219,426 | €218,430 | ▼ 0.5% |
| Tangible fixed assets22/27 | €16,720 | €12,540 | €8,360 | €4,995 | €2,432 | €1,153 | €2,512 | €1,516 | ▼ 39.7% |
| Plant, machinery and equipment23 | - | - | - | - | €1,345 | €516 | €2,325 | €1,516 | ▼ 34.8% |
| Furniture and vehicles24 | - | - | - | €4,995 | €1,087 | €637 | €187 | €0 | ▼ 100% |
| Financial fixed assets28 | €216,913 | €216,913 | €216,913 | €216,913 | €216,913 | €216,913 | €216,913 | €216,913 | = |
| Current assets29/58 | €120,925 | €126,757 | €95,134 | €88,359 | €35,122 | €37,487 | €20,282 | €89,118 | ▲ 339% |
| Amounts receivable within one year40/41 | - | €8,102 | - | €1,264 | - | - | - | - | - |
| Trade receivables40 | - | - | - | €1,264 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €119,590 | €117,300 | €94,248 | €86,108 | €34,162 | €36,733 | €19,616 | €88,365 | ▲ 350% |
| Deferred charges and accrued income490/1 | - | - | - | €987 | €960 | €753 | €666 | €753 | ▲ 13.1% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €354,559 | €356,210 | €320,408 | €310,268 | €254,467 | €255,553 | €239,708 | €307,548 | ▲ 28.3% |
| Equity10/15 | €228,088 | €238,312 | €254,329 | €273,873 | €222,052 | €251,565 | €239,359 | €305,675 | ▲ 27.7% |
| Contributions10/11 | €130,000 | €130,000 | - | €130,000 | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Reserves13 | €98,088 | €108,312 | €124,329 | €143,873 | €192,052 | €221,565 | €209,359 | €275,675 | ▲ 31.7% |
| Non-distributable reserves130/1 | - | - | - | €13,000 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €13,000 | - | - | - | - | - |
| Distributable reserves133 | - | - | - | €130,873 | €192,052 | €221,565 | €209,359 | €275,675 | ▲ 31.7% |
| Profit (loss) carried forward14 | - | - | - | - | - | - | - | €0 | - |
| Amounts payable17/49 | €126,471 | €117,899 | €66,079 | €36,395 | €32,415 | €3,988 | €349 | €1,873 | ▲ 437% |
| Amounts payable within one year42/48 | €123,338 | €114,891 | €63,880 | €35,217 | €31,634 | €3,988 | €349 | €1,873 | ▲ 437% |
| Trade debts44 | - | €200 | €1,733 | €10 | - | €182 | €55 | €204 | ▲ 270% |
| Suppliers440/4 | - | - | - | €10 | - | €182 | €55 | €204 | ▲ 270% |
| Taxes, remuneration and social security45 | - | - | - | €2,137 | €2,172 | €3,806 | €294 | €1,668 | ▲ 468% |
| Taxes450/3 | - | - | - | €2,137 | €2,172 | €3,806 | €294 | €1,668 | ▲ 468% |
| Other amounts payable47/48 | - | - | - | €33,069 | €29,462 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €1,178 | €782 | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37,406 | €10,224 | €16,017 | €19,544 | €48,179 | €29,513 | €37,793 | €66,317 | ▲ 75.5% |
| + Depreciation and write-downs630 | €4,180 | €4,180 | €4,180 | €4,494 | €5,272 | €1,279 | €1,067 | €996 | ▼ 6.6% |
| Operating cash flow (approximation) | €41,586 | €14,404 | €20,197 | €24,038 | €53,450 | €30,792 | €38,860 | €67,313 | ▲ 73.2% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1,129 | -€2,708 | €0 | -€2,427 | €0 | - |
| Change in cash | - | -€2,290 | -€23,052 | -€8,139 | -€51,947 | €2,572 | -€17,118 | €68,750 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (10)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 30-06-2026 | 2026-00221021 | NBB |
| 31-12-2024 | micro format | 30-06-2025 | 2025-00201172 | |
| 31-12-2023 | micro format | 26-06-2024 | 2024-00166937 | |
| 31-12-2022 | micro format | 05-07-2023 | 2023-00204712 | |
| 31-12-2021 | micro format | 29-06-2022 | 2022-20135143 | |
| 31-12-2020 | abbreviated format | 29-06-2021 | 2021-27500313 | |
| 31-12-2019 | micro format | 29-06-2020 | 2020-22900374 | |
| 31-12-2018 | abbreviated format | 19-07-2019 | 2019-35000441 | |
| 31-12-2017 | abbreviated format | 12-07-2018 | 2018-32900462 | |
| 31-12-2016 | abbreviated format | 28-07-2017 | 2017-39100074 |