XXL4YOU
ActiveThe computed 12-month bankruptcy probability of XXL4YOU is 2.8% (moderate). The 2024 annual accounts show equity of €55k and a net result of €-1k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 42% of 26052 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability36▼-30
Solvency48▼-4
Growth52=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity ample (current ratio 2.94 against 1.37 in 2023; short-term debt: 34.1% and cash: 1.7% of total assets), but 76.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
23.5%
Return on assets
-0.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-10-2025, 64 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
64 d late
2023
64 d late
2022
415 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€55k▼ 2.4%
2023 · €57k
2022: €32k
2023: €57k
2022 → 2024
Total assets
€235k▲ 12.4%
2023 · €209k
2022: €166k
2023: €209k
2022 → 2024
Net result
€-1k
2023 · €24k
2022: €30k
2023: €24k
2022 → 2024
Working capital
€155k▲ 174%
2023 · €57k
2022: €32k
2023: €57k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€32k-€57k▲ 74.5%€55k▼ 2.4%
Operating result€39k-€34k▼ 12.2%€971▼ 97.2%
Net result€30k-€24k▼ 20.6%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 97% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €235k
Equity
€55k▼ 2.4%
Debt
€180k▲ 17.9%
The debt ratio rises from 73.0% to 76.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
23.5%▼
2023 · 27.0%
Current ratio
2.94▲
2023 · 1.37
Quick ratio
0.12▲
2023 · 0.10
Debt / equity
3.26▲
2023 · 2.70
ROE
-2.4%▼
2023 · 42.7%
ROA
-0.6%▼
2023 · 11.5%
Debt
€180k▲
2023 · €153k
Debt ≤ 1 year
€80k▼
2023 · €153k
Debt > 1 year
€100k
Income taxes
€3k▼
2023 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€209k€235k▲
Current assets29/58€209k€235k▲
Stocks and contracts in progress3€194k€226k▲
Stocks30/36€194k€226k▲
Amounts receivable within one year40/41€5k€5k▲
Other amounts receivable41€5k€5k▲
Cash at bank and in hand54/58€9k€4k▼
Equity and liabilities
Total equity and liabilities10/49€209k€235k▲
Equity10/15€57k€55k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€55k€53k▼
Amounts payable17/49€153k€180k▲
Amounts payable after more than one year17-€100k
Financial debts170/4-€100k
Amounts payable within one year42/48€153k€80k▼
Trade debts44€125k€54k▼
Suppliers440/4€125k€54k▼
Advances received on contracts in progress46€40€40=
Taxes, remuneration and social security45€27k€26k▼
Taxes450/3€27k€26k▼
Income statement
Code20232024
Other operating charges640/8€546€2k▲
Non-recurring operating charges66A-€50
Gross operating margin9900€35k€3k▼
Operating profit (loss)9901€34k€971▼
Financial income75/76B€1k€817▼
Recurring financial income75€1k€817▼
Financial charges65/66B€3k€308▼
Recurring financial charges65€3k€308▼
Profit (loss) for the period before taxes9903€32k€1k▼
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€24k€-1k▼
Profit (loss) for the period to be appropriated9905€24k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€53k▼
Profit (loss) brought forward from the previous period14P€30k€55k▲
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 64 days late
2024
31-12
Financial
Weakest financial yearnet €-1k ▼106%
Net result drops to €-1k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 2.94
Current ratio from 1.37 to 2.94; short-term debt falls from €153k to €80k.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 415 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mons · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Boulevard Initialis 267000 MonsGround area
2,046 m²
Building footprint
135 m²
Volume, LiDAR
954 m³
Parcel 53402A0191/00L017, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Boulevard Initialis 26, 7000 Mons
since 20212.321.947.693
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53402A0191/00L017 | Wallonia | 2,046 m² | 1 · 135 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Charline's Closet
BE 0673.923.237
Gent · Eq €55k
Roeland.Boutique
BE 0817.315.565
Kortrijk · Eq €54k
DIS MOI OUI !!!
BE 0835.335.591
Profondeville · Eq €54k
LES PETITES RONDES
BE 0820.500.630
Ukkel · Eq €54k
BLEU CITRON
BE 0862.413.637
Juprelle · Eq €56k
Of 2,212 companies in sector 47711 we hold annual accounts for 890. 695 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2021
Fiscal year end31-12
Activities, NACEBEL
47711Retail sale of women's outerwear
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.xxl4you.be
E-mail:info@xxl4you.be