XACA
ActiveSummary
XACA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €632. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 79% of 4886 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability53▲+3
Solvency98▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.28 against 5.97 in 2024; short-term debt: 27.1% and cash: 36.4% of total assets), and 27.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
72.9%
Return on assets
2.1%
Age of the figures
12 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
1 d early
2023
33 d early
2022
33 d early
2021
39 d early
2020
37 d early
2019
41 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€632
2024 · €-5k
2018: €1k
2019: €5k▲ +311% vs 2018highest in 8 years
2020: €-9k▼ -258% vs 2019lowest in 8 years
2021: €4k▲ +150% vs 2020
2022: €4k▼ -4.8% vs 2021
2023: €5k▲ +12.9% vs 2022
2024: €-5k▼ -205% vs 2023
2025: €632▲ +113% vs 2024
2018 → 2025
Working capital
€19k▼ 12.7%
2024 · €21k
2018: €7klowest in 8 years
2019: €14k▲ +88.5% vs 2018
2020: €7k▼ -46.9% vs 2019
2021: €10k▲ +38.2% vs 2020
2022: €15k▲ +42.3% vs 2021
2023: €23k▲ +57.2% vs 2022highest in 8 years
2024: €21k▼ -7.3% vs 2023
2025: €19k▼ -12.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€22k▲ 23.6%€26k▲ 21.5%€21k▼ 18.7%€22k▲ 3.0%
2021: €17klowest in 5 years
2022: €22k▲ +23.6% vs 2021
2023: €26k▲ +21.5% vs 2022highest in 5 years
2024: €21k▼ -18.7% vs 2023
2025: €22k▲ +3.0% vs 2024
Operating result€5k-€7k▲ 36.9%€8k▲ 20.2%€-2k€1k
2021: €5k
2022: €7k▲ +36.9% vs 2021
2023: €8k▲ +20.2% vs 2022highest in 5 years
2024: €-2k▼ -124% vs 2023lowest in 5 years
2025: €1k▲ +166% vs 2024
Net result€4k-€4k▼ 4.8%€5k▲ 12.9%€-5k€632
2021: €4k
2022: €4k▼ -4.8% vs 2021
2023: €5k▲ +12.9% vs 2022highest in 5 years
2024: €-5k▼ -205% vs 2023lowest in 5 years
2025: €632▲ +113% vs 2024
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€3k
Current assets
€27k
Equity and liabilities €30k
Equity
€22k ▲ 3.0%
Debt
€8k ▲ 90.4%
Debt's share of the balance-sheet total rises from 16.7% to 27.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€2k▼
2024 · €4k
Cash flow
€1k▼
2024 · €2k
Current ratio
3.28▼
2024 · 5.97
Debt to equity
0.37▲
2024 · 0.20
ROE
2.9%▲
2024 · -23.0%
ROA
2.1%▲
2024 · -19.1%
Interest coverage
3.75▼
2024 · 8.46
Debt ≤ 1 year
€8k▲
2024 · €4k
Income taxes
€291▼
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€26k€30k▲
Fixed assets21/28-€3k
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Current assets29/58€26k€27k▲
Amounts receivable within one year40/41€15k€16k▲
Trade receivables40€8k€9k▲
Other amounts receivable41€7k€7k▼
Cash at bank and in hand54/58€10k€11k▲
Equity and liabilities
Total equity and liabilities10/49€26k€30k▲
Equity10/15€21k€22k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Share premium1100/10€6k€6k=
Reserves13€23k€23k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-8k€-7k▲
Amounts payable17/49€4k€8k▲
Amounts payable within one year42/48€4k€8k▲
Current portion of amounts payable after more than one year42€1k€1k▼
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€2k€867▼
Taxes450/3€2k€867▼
Income statement
Code20242025
Non-recurring operating income76A-€685
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€700▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€7k€4k▼
Operating profit (loss)9901€-2k€1k▲
Financial income75/76B€206€171▼
Recurring financial income75€206€171▼
Financial charges65/66B€530€528▼
Recurring financial charges65€530€528▼
Profit (loss) for the period before taxes9903€-2k€922▲
Income taxes67/77€3k€291▼
Profit (loss) for the period9904€-5k€632▲
Profit (loss) for the period to be appropriated9905€-5k€632▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-7k▲
Profit (loss) brought forward from the previous period14P€-3k€-8k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €685 | - |
| Remuneration, social security and pensions62 | - | €2k | €1k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €5k | €4k | €6k | €700 | ▼ 89.1% |
| Other operating charges640/8 | - | €2k | €3k | €2k | €2k | ▼ 29.9% |
| Gross operating margin9900 | €12k | €15k | €16k | €7k | €4k | ▼ 46.7% |
| Operating profit (loss)9901 | €5k | €7k | €8k | €-2k | €1k | ▲ 166% |
| Financial income75/76B | - | €0 | €66 | €206 | €171 | ▼ 17.1% |
| Recurring financial income75 | €0 | €0 | €66 | €206 | €171 | ▼ 17.1% |
| Financial charges65/66B | - | €547 | €651 | €530 | €528 | ▼ 0.4% |
| Recurring financial charges65 | €512 | €547 | €651 | €530 | €528 | ▼ 0.4% |
| Profit (loss) for the period before taxes9903 | €4k | €6k | €8k | €-2k | €922 | ▲ 141% |
| Income taxes67/77 | €107 | €2k | €3k | €3k | €291 | ▼ 88.9% |
| Profit (loss) for the period9904 | €4k | €4k | €5k | €-5k | €632 | ▲ 113% |
| Profit (loss) for the period to be appropriated9905 | €4k | €4k | €5k | €-5k | €632 | ▲ 113% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €43k | €32k | €32k | €26k | €30k | ▲ 17.6% |
| Fixed assets21/28 | €12k | €7k | €3k | - | €3k | - |
| Tangible fixed assets22/27 | €12k | €7k | €3k | - | €3k | - |
| Furniture and vehicles24 | - | €7k | €3k | - | €3k | - |
| Current assets29/58 | €31k | €25k | €29k | €26k | €27k | ▲ 4.6% |
| Amounts receivable within one year40/41 | €14k | €363 | €16k | €15k | €16k | ▲ 2.3% |
| Trade receivables40 | - | - | €9k | €8k | €9k | ▲ 4.9% |
| Other amounts receivable41 | - | €363 | €6k | €7k | €7k | ▼ 0.8% |
| Cash at bank and in hand54/58 | €18k | €25k | €14k | €10k | €11k | ▲ 8.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €43k | €32k | €32k | €26k | €30k | ▲ 17.6% |
| Equity10/15 | €17k | €22k | €26k | €21k | €22k | ▲ 3.0% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Outside capital11 | - | €6k | €6k | €6k | €6k | = |
| Share premium1100/10 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €23k | €23k | €23k | €23k | €23k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | - | €18k | €18k | €18k | €18k | = |
| Distributable reserves133 | - | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €-11k | €-7k | €-3k | €-8k | €-7k | ▲ 8.3% |
| Amounts payable17/49 | €26k | €10k | €6k | €4k | €8k | ▲ 90.4% |
| Amounts payable after more than one year17 | €5k | - | - | - | - | - |
| Amounts payable within one year42/48 | €21k | €10k | €6k | €4k | €8k | ▲ 90.4% |
| Current portion of amounts payable after more than one year42 | - | €6k | €1k | €1k | €1k | ▼ 0.4% |
| Financial debts43 | - | €101 | - | - | - | - |
| Other loans439 | - | €101 | - | - | - | - |
| Trade debts44 | €2k | €164 | €5k | €1k | €6k | ▲ 402% |
| Suppliers440/4 | - | €164 | €5k | €1k | €6k | ▲ 402% |
| Taxes, remuneration and social security45 | - | €5k | €99 | €2k | €867 | ▼ 56.7% |
| Taxes450/3 | - | €5k | €99 | €2k | €867 | ▼ 56.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4k | €4k | €5k | €-5k | €632 | ▲ 113% |
| + Depreciation and write-downs630 | €5k | €5k | €4k | €6k | €700 | ▼ 89.1% |
| Operating cash flow (approximation) | €9k | €9k | €8k | €2k | €1k | ▼ 13.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €7k | €-11k | €-4k | €809 | ▲ 123% |
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
Next filing, fiscal year 2026, expected by
2026
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 29 days late
2025
30-09
Financial
Back to profitnet €632
Net result €632 after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
24-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
20-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Highest result since 2018net €5k ▲311%
Net result €5k, the highest in the series.
12-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
22-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
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.
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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, Tournai · 1 establishment unit since 2006
Ground area
1,903 m²
Building footprint
243 m²
Volume, LiDAR
1,072 m³
2 parcels, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
XACA SPRL
since 20062.155.748.982
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57030B0323/00E000 | Wallonia | 1,484 m² | 1 · 165 m² | 4.8 m · 1 fl. |
| 57051D0485/00N000 | Wallonia | 419 m² | 1 · 78 m² | 6.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,571. 1,696 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
Founded02-06-2006
Fiscal year end30-09
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
49310Scheduled passenger transport by road
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
49410Freight transport by road
49420Removal services
Scores and ratios are computed by Checked and are not a credit decision.