XADAY
ActiveSummary
XADAY has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €187k and a net result of €35k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 89% of 13305 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-6
Solvency100▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 4.24 against 2.88 in 2024; short-term debt: 22.3% and cash: 8.9% of total assets), and 22.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
77.7%
Return on assets
14.6%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
14 d late
2023
31 d late
2022
31 d late
2021
11 d late
2020
19 d late
2019
14 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€187k▲ 23.0%
2024 · €152k
2018: €131k
2019: €121k
2020: €143k
2021: €128k
2022: €120k
2023: €166k
2024: €152k
2018 → 2025
Total assets
€241k▲ 4.4%
2024 · €231k
2018: €159k
2019: €137k
2020: €241k
2021: €234k
2022: €220k
2023: €235k
2024: €231k
2018 → 2025
Net result
€35k▼ 20.9%
2024 · €44k
2018: €-18k
2019: €-11k
2020: €22k
2021: €-16k
2022: €-8k
2023: €46k
2024: €44k
2018 → 2025
Working capital
€174k▲ 20.3%
2024 · €144k
2018: €128k
2019: €121k
2020: €148k
2021: €132k
2022: €119k
2023: €164k
2024: €144k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€128k-€120k▼ 6.0%€166k▲ 38.7%€152k▼ 8.6%€187k▲ 23.0%
Operating result€-18k-€-9k▲ 50.9%€49k€59k▲ 22.3%€45k▼ 23.5%
Net result€-16k-€-8k▲ 50.8%€46k€44k▼ 4.6%€35k▼ 20.9%
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 23% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€13k ▲ 43.0%
Current assets
€227k ▲ 2.7%
Equity and liabilities €241k
Equity
€187k ▲ 23.0%
Debt
€54k ▼ 31.8%
Debt's share of the balance-sheet total falls from 34.1% to 22.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▼
2024 · €80k
Cash flow
€39k▼
2024 · €65k
Current ratio
4.24▲
2024 · 2.88
Quick ratio
3.90▲
2024 · 2.65
Debt to equity
0.29▼
2024 · 0.52
ROE
18.7%▼
2024 · 29.1%
ROA
14.6%▼
2024 · 19.2%
Interest coverage
12.76▼
2024 · 23.41
Debt ≤ 1 year
€54k▼
2024 · €77k
Debt > 1 year
€0▼
2024 · €2k
Income taxes
€14k▼
2024 · €20k
Staff costs
€284▲
2024 · €0
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€231k€241k▲
Fixed assets21/28€9k€13k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€9k€13k▲
Plant, machinery and equipment23€3k€8k▲
Furniture and vehicles24€2k€892▼
Other tangible fixed assets26€4k€4k▼
Financial fixed assets28€100€100=
Current assets29/58€221k€227k▲
Amounts receivable after more than one year29€129k€129k=
Other amounts receivable291€129k€129k=
Stocks and contracts in progress3€17k€18k▲
Stocks30/36€17k€18k▲
Amounts receivable within one year40/41€50k€59k▲
Trade receivables40€8k€0▼
Other amounts receivable41€42k€59k▲
Cash at bank and in hand54/58€25k€22k▼
Equity and liabilities
Total equity and liabilities10/49€231k€241k▲
Equity10/15€152k€187k▲
Contributions10/11€19k€19k=
Reserves13€133k€168k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€25k€25k=
Distributable reserves133€106k€141k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€79k€54k▼
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€77k€54k▼
Current portion of amounts payable after more than one year42€20k€2k▼
Financial debts43€2k€2k=
Credit institutions430/8€2k€2k=
Trade debts44€23k€19k▼
Suppliers440/4€23k€19k▼
Advances received on contracts in progress46€11k€4k▼
Taxes, remuneration and social security45€21k€28k▲
Taxes450/3€21k€28k▲
Income statement
Code20242025
Remuneration, social security and pensions62€0€284▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€4k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€9k€0▼
Gross operating margin9900€90k€52k▼
Operating profit (loss)9901€59k€45k▼
Financial income75/76B€9k€8k▼
Recurring financial income75€9k€8k▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€65k€49k▼
Income taxes67/77€20k€14k▼
Profit (loss) for the period9904€44k€35k▼
Profit (loss) for the period to be appropriated9905€44k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€35k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€59k€0▼
Transfer to equity691/2€44k€35k▼
To other reserves6921€44k€35k▼
Profit to be distributed694/7€59k€0▼
Return on contributions (dividend)694€59k€0▼
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Back to profitnet €46k
Net result €46k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €166k ▲38.7%
Equity rises from €120k to €166k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
4 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, Brugge · 1 establishment unit since 2011
Ground area
288 m²
Building footprint
103 m²
Volume, LiDAR
533 m³
Parcel 31029C0418/02R000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Xaday
since 20112.197.570.236
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31029C0418/02R000 | Flanders | 288 m² | 1 · 103 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrugge2.197.570.236
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Top Délice
BE 0541.708.970
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CHEN'S WOK PALACE
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NOMA
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,462. 8,690 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2011
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.