XYCLO
ActiveXYCLO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €304k and a net result of €26k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-8
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
short-term debt: 0.6% and cash: 94.4% of total assets, and 0.6% 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.
−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
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99.4%
Return on assets
8.6%
Age of the figures
9 mo
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
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 08-06-2026, 53 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
53 d early
2024
56 d early
2023
51 d early
2022
60 d early
2021
54 d early
2020
45 d early
2019
60 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€304k▼ 15.1%
2024 · €358k
2018: €39k
2019: €80k
2020: €150k
2021: €221k
2022: €255k
2023: €303k
2024: €358k
2018 → 2025
Total assets
€306k▼ 18.2%
2024 · €374k
2018: €52k
2019: €83k
2020: €156k
2021: €229k
2022: €291k
2023: €322k
2024: €374k
2018 → 2025
Net result
€26k▼ 53.1%
2024 · €56k
2018: €28k
2019: €35k
2020: €70k
2021: €71k
2022: €64k
2023: €48k
2024: €56k
2018 → 2025
Working capital
€301k▼ 14.4%
2024 · €352k
2018: €39k
2019: €79k
2020: €107k
2021: €186k
2022: €230k
2023: €288k
2024: €352k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€221k-€255k▲ 15.3%€303k▲ 18.8%€358k▲ 18.5%€304k▼ 15.1%
Operating result€98k-€85k▼ 13.8%€67k▼ 20.5%€78k▲ 16.5%€37k▼ 52.7%
Net result€71k-€64k▼ 9.8%€48k▼ 25.2%€56k▲ 16.9%€26k▼ 53.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €306k
Fixed assets
€3k▼ 54.3%
Current assets
€303k▼ 17.5%
Equity and liabilities €306k
Equity
€304k▼ 15.1%
Debt
€2k▼ 87.6%
The debt ratio falls from 4.2% to 0.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €91k
Cash flow
€30k▼
2024 · €68k
Solvency
99.4%▲
2024 · 95.8%
Debt / equity
0.01▼
2024 · 0.04
ROE
8.6%▼
2024 · 15.6%
ROA
8.6%▼
2024 · 14.9%
Interest coverage
401.36▼
2024 · 1681.84
Debt
€2k▼
2024 · €16k
Debt ≤ 1 year
€2k▼
2024 · €16k
Income taxes
€11k▼
2024 · €22k
A ratio outside any meaningful range has been withheld (balance sheet total €306k, equity €304k).
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€374k€306k▼
Fixed assets21/28€7k€3k▼
Tangible fixed assets22/27€7k€3k▼
Land and buildings22€416€351▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€2k€822▼
Current assets29/58€368k€303k▼
Amounts receivable within one year40/41€16k€14k▼
Trade receivables40€14k€4k▼
Other amounts receivable41€3k€9k▲
Cash at bank and in hand54/58€351k€289k▼
Deferred charges and accrued income490/1€723€441▼
Equity and liabilities
Total equity and liabilities10/49€374k€306k▼
Equity10/15€358k€304k▼
Contributions10/11€19k€100▼
Reserves13€340k€304k▼
Distributable reserves133€340k€304k▼
Amounts payable17/49€16k€2k▼
Amounts payable within one year42/48€16k€2k▼
Trade debts44€315€407▲
Suppliers440/4€315€407▲
Taxes, remuneration and social security45€11k€2k▼
Taxes450/3€11k€2k▼
Other amounts payable47/48€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€4k▼
Other operating charges640/8€705€720▲
Gross operating margin9900€92k€41k▼
Operating profit (loss)9901€78k€37k▼
Financial income75/76B-€4
Recurring financial income75-€4
Financial charges65/66B€54€101▲
Recurring financial charges65€54€101▲
Profit (loss) for the period before taxes9903€78k€37k▼
Income taxes67/77€22k€11k▼
Profit (loss) for the period9904€56k€26k▼
Profit (loss) for the period to be appropriated9905€56k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€26k▼
Transfer from equity791/2-€62k
Transfer to equity691/2€56k€26k▼
To other reserves6921€56k€26k▼
Profit to be distributed694/7-€62k
Return on contributions (dividend)694-€62k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €26k ▼53.1%
Net result drops to €26k, the lowest in the series.
31-12
Financial
Liquidity times 7current ratio 155.01
Current ratio from 23.33 to 155.01; short-term debt falls from €16k to €2k.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 16.14
Current ratio from 7.30 to 16.14; short-term debt falls from €37k to €19k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €71k ▲1.6%
Operating result €98k, net result €71k, both a record.
31-12
Financial
Equity above €200kEq €221k ▲47.1%
4 profitable years in a row build equity to €221k.
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €150k ▲86.6%
3 profitable years in a row build equity to €150k.
01-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 8current ratio 29.96
Current ratio from 3.97 to 29.96; short-term debt falls from €13k to €3k.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Antwerpen · 1 establishment unit since 2018
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.
De Beuckerstraat 402018 AntwerpenGround area
118 m²
Building footprint
88 m²
Volume, LiDAR
772 m³
Parcel 11810K1940/00D004, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
XYCLO
since 20182.273.342.181
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1940/00D004 | Flanders | 118 m² | 1 · 88 m² | 12.3 m · 3 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
Conscia Belgium NV
BE 0736.767.062
Antwerpen · Eq €304k
LUCADVICE
BE 0788.515.374
Fauvillers · Eq €304k
BLUE FOR A DAY
BE 0470.761.883
Elsene · Eq €306k
Consell
BE 0847.174.838
Hamme (Vl.) · Eq €303k
ECONOWEB
BE 0860.014.569
Tremelo · Eq €302k
Of 3,212 companies in sector 62900 we hold annual accounts for 1,742. 1,248 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2018
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.