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Complete company report
Generated 19-08-2026
Active BE 0784.943.695Private limited company

X-OATS

Akkerstraat 20 ·2990 Wuustwezel, Belgium· 4 yrs active
Sector: Overige detailhandel in voedingsmiddelen, neg (47279)
Conclusion Checked

The computed 12-month bankruptcy probability of X-OATS is 2.8% (moderate). The 2024 annual accounts show equity of €28k and a net result of €-89k. Its solvency ranks better than 42% of 1230 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €28k
Net result €-89k
Staff (FTE) 0.6
Better than sector 42%
Financial profile 5 of 5 axes measured · computed by Checked
Health38Profitability0Solvency36Growth78Stability94
49 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 38
Profitability 0
Solvency 36
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
38 / 100 Weak
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 10-07-2025 with the NBB · fiscal year 2024 · verkort
€-150k€-100k€-50k€0Operating result 2023: €-117k€-117kNet result 2023: €-125k€-125kOperating result 2024: €-84k€-84kNet result 2024: €-89k€-89k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 15.1% 20.3%
better than 42% of 1230 sector peers
Net result €-89k €25k
better than 9% of 1229 sector peers
Equity €28k €142k
better than 29% of 1230 sector peers
Gross operating margin €-27k €215k
better than 5% of 1228 sector peers
Staff costs €49k €160k
higher than 17% of 937 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-76k
+29.7% 23-24
Net profit
€-89k
+28.8% 23-24
Cash flow
€-80k
+30.8% 23-24
Total assets
€186k
+109.1% 23-24
Equity
€28k
- 23-24
Working capital
€65k
+1268.5% 23-24
Employees (FTE)
1
0.0% 23-24
Staff costs
€49k
+53.6% 23-24
Show 10 other metrics
Debt
€158k
-14.1% 23-24
Debt ≤ 1y
€96k
+90.5% 23-24
Debt > 1y
€62k
-53.7% 23-24
Current ratio
1.67
+52.7% 23-24
Quick ratio
0.92
+26.3% 23-24
Solvency
15.1%
- 23-24
Debt / equity
5.63
- 23-24
ROE
-316.3%
- 23-24
ROA
-47.7%
+66.0% 23-24
Interest coverage
-14.04
-9.1% 23-24
Figures by fiscal year
Fiscal year2024
Depositverkort
Revenue-
EBITDA€-76k
Net profit€-89k
Cash flow€-80k
Staff costs€49k
Income taxes-
Dividends-
Total assets€186k
Equity€28k
Debt€158k
of which ≤ 1y€96k
of which > 1y€62k
Working capital€65k
Employees (FTE)0.6
Ratios (computed)
2024
Current ratio1.67
Quick ratio0.92
Working capital ratio34.7%
Solvency15.1%
Debt / equity5.63
Long-term debt ratio2.20
Interest coverage-14.04
Gross margin-
Net margin-
ROA-47.7%
ROE-316.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€186k
Fixed assets 21/28€25k
Intangible fixed assets 21€24k
Tangible fixed assets 22/27€1k
Current assets 29/58€161k
Stocks & contracts in progress 3€72k
Amounts receivable within one year 40/41€6k
Cash & bank 54/58€83k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€186k
Equity 10/15€28k
Contributions / capital 10/11€242k
Accumulated profits (losses) 14€-214k
Amounts payable 17/49€158k
Amounts payable after one year 17€62k
Amounts payable within one year 42/48€96k
Trade debts payable within one year 44€59k
Income statement
Gross operating margin 9900€-27k
Operating result 9901€-84k
Financial income 75€951
Financial charges 65€5k
Result before taxes 9903€-89k
Net result for the period 9904€-89k
Result to be appropriated 9905€-89k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 3 directors
Directors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (24412419). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
  • ADVOCATENKANTOOR GEERT VERHOEVENLegal entity
    Director· perm. rep.: Geert VERHOEVEN
    State Gazette act 24412419 (04-07-2024)
    Current
    02-07-2024 → present
  • FWCMLegal entity
    Director· perm. rep.: Frederic Sebastien Matthieu WARNEZ
    State Gazette act 24412419 (04-07-2024)
    Current
    02-07-2024 → present
  • MH WORLDWIDELegal entity
    Director· perm. rep.: Marc HERREMANS
    State Gazette act 24412419 (04-07-2024)
    Current
    02-07-2024 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Overige detailhandel in voedingsmiddelen, neg(47279)
Legal form Private limited company(610)
Incorporation19-04-2022
StatusActive
Postal code2990
Establishment units 1 location
X-OATS
Akkerstraat 20, 2990 WuustwezelOverige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.
since 20222.330.305.927
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11053D0584/00D000 Flanders 816 m² 1 · 200 m² 7.4 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
10-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
04-07-2024
State Gazette act Capital & shares
Sebastiaan-Willem VERBERT
29-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
Belgian State Gazette reading coverage 0 of 2 acts read

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.

Belgisch Staatsblad, acts 1 acts
Capital history · 1
04-07-2024
Capital change
All acts · 1 updated 2 years ago
2024
04-07-2024 Capital increase of €117,000 Capital & shares·Sebastiaan-Willem VERBERT
  • Inbreng in geld · Apport en numéraire
  • 5 kapitaalbewegingen in deze akte
Notary: Sebastiaan-Willem VERBERT · Antwerpen
Technical details 
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  "act_meta": {
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    "pub_date": "2024-07-04",
    "filing_date": "2024-07-02",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2024-06-28",
    "unanimous": true,
    "under_authorized_capital": true,
    "underlying_resolution_date": null
  },
  "bedrijfsrevisor": {
    "waived": false,
    "firm_kbo": "0870.626.369",
    "firm_name": "BOGAERT \u0026 BOSMANS Bedrijfsrevisoren - R\u00E9viseurs d\u0027Entreprises",
    "ibr_number": null,
    "mission_type": "quasi_apport",
    "individual_name": "Tanja Bosmans"
  },
  "subject_company": {
    "kbo": "0784.943.695",
    "name_full": "X-OATS",
    "legal_form": "Besloten Vennootschap",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
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    "person_name": "Annelies Maria Luk BEIRNAERT",
    "org_rep_person_name": null,
    "person_role_at_subject": null
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  "co_filed_documents": [
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Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Overige detailhandel in voedingsmiddelen, neg47279Overige detailhandel in voedingsmiddelen in gespecialiseerde winkels, n.e.g.47299Overige niet-gespecialiseerde detailhandel47120Detailhandel in groenten en fruit47210Markt- en straathandel in voedings- en genotmiddelen47810Detailhandel via postorderbedrijven of via internet47910
Primary activity highlighted.
Names & trade names
Legal nameNL X-OATS
Registered office
Akkerstraat 20
2990 Wuustwezel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative