XAVAL
ActiveXAVAL has been active since 1987 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2024 annual accounts show equity of €79k and a net result of €18k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 19% of 8091 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74=
Solvency43▼-6
Growth78=
Track record92
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.94 against 1.23 in 2023; short-term debt: 81.7% and cash: 15.1% of total assets), and 81.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
18.3%
Return on assets
4.3%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8091 sector peers (2024).
NBB · sector comparisonPosition among 8091 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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
not confirmed
2024
25 d late
2023
1 d early
2022
4 d early
2021
83 d early
2020
1 d early
2019
91 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Financials · fiscal year 2024, abbreviated schema
Equity
€79k▲ 30.3%
2023 · €61k
2018: €16k
2019: €17k
2020: €21k
2021: €29k
2022: €50k
2023: €61k
2018 → 2024
Total assets
€432k▲ 71.8%
2023 · €252k
2018: €237k
2019: €241k
2020: €244k
2021: €381k
2022: €170k
2023: €252k
2018 → 2024
Net result
€18k▲ 77.8%
2023 · €10k
2018: €5k
2019: €1k
2020: €9k
2021: €8k
2022: €21k
2023: €10k
2018 → 2024
Working capital
€-20k
2023 · €45k
2018: €-5k
2019: €4k
2020: €14k
2021: €20k
2022: €29k
2023: €45k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€21k-€29k▲ 37.7%€50k▲ 73.4%€61k▲ 20.5%€79k▲ 30.3%
Operating result€15k-€19k▲ 27.9%€42k▲ 121%€22k▼ 46.8%€33k▲ 47.3%
Net result€9k-€8k▼ 11.3%€21k▲ 168%€10k▼ 51.5%€18k▲ 77.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 47% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €432k
Fixed assets
€100k▲ 519%
Current assets
€333k▲ 41.2%
Equity and liabilities €432k
Equity
€79k▲ 30.3%
Debt
€353k▲ 85.0%
The debt ratio rises from 75.8% to 81.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▲
2023 · €30k
Cash flow
€27k▲
2023 · €19k
Solvency
18.3%▼
2023 · 24.2%
Current ratio
0.94▼
2023 · 1.23
Quick ratio
0.94▼
2023 · 1.23
Debt / equity
4.45▲
2023 · 3.14
ROE
23.3%▲
2023 · 17.0%
ROA
4.3%▲
2023 · 4.1%
Interest coverage
226.24▲
2023 · 223.95
Debt
€353k▲
2023 · €191k
Debt ≤ 1 year
€353k▲
2023 · €191k
Income taxes
€15k▲
2023 · €13k
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€252k€432k▲
Fixed assets21/28€16k€100k▲
Tangible fixed assets22/27€16k€92k▲
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€11k€13k▲
Other tangible fixed assets26-€76k
Financial fixed assets28-€8k
Current assets29/58€235k€333k▲
Amounts receivable within one year40/41€102k€259k▲
Trade receivables40€71k€214k▲
Other amounts receivable41€31k€45k▲
Cash at bank and in hand54/58€132k€65k▼
Deferred charges and accrued income490/1€685€9k▲
Equity and liabilities
Total equity and liabilities10/49€252k€432k▲
Equity10/15€61k€79k▲
Contributions10/11€248k€248k=
Reserves13€8k€8k=
Non-distributable reserves130/1€496€496=
Reserves not available under the articles1311€0-
Other1319€496€496=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€-195k€-176k▲
Amounts payable17/49€191k€353k▲
Amounts payable within one year42/48€191k€353k▲
Financial debts43€147€0▼
Credit institutions430/8€147€0▼
Trade debts44€148k€315k▲
Suppliers440/4€148k€315k▲
Taxes, remuneration and social security45€38k€14k▼
Taxes450/3€38k€14k▼
Other amounts payable47/48€5k€24k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€33k€44k▲
Operating profit (loss)9901€22k€33k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€136€183▲
Recurring financial charges65€136€183▲
Profit (loss) for the period before taxes9903€23k€34k▲
Income taxes67/77€13k€15k▲
Profit (loss) for the period9904€10k€18k▲
Profit (loss) for the period to be appropriated9905€10k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-195k€-176k▲
Profit (loss) brought forward from the previous period14P€-205k€-195k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
07-01
KBO administration
Address struck
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €21k ▲168%
Operating result €42k, net result €21k, both a record.
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €1k ▼79.6%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
02-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 2 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Ukkel · 1 establishment unit since 1987
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.
Alsembergsesteenweg 8421180 UkkelGround area
1,616 m²
Building footprint
1,089 m²
Volume, LiDAR
6,528 m³
Parcel 21614E0126/00A002, Brussels · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Xaval BVBA
since 19872.031.959.760
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0126/00A002 | Brussels | 1,616 m² | 1 · 1,089 m² | 12.7 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.
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TIM LEYS CONSULTING
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Lochristi · Eq €79k
REDIUM
BE 0727.886.218
Binche · Eq €79k
Beautemps
BE 1015.216.648
Lichtervelde · Eq €79k
Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,071 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-04-1987
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.