XD XPERT
ActiveXD XPERT has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221k and a net result of €-59k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 20% of 12643 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency28▼-16
Growth62=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity tight (current ratio 1.19 against 1.52 in 2024), and 80.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Ten 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 69
Relative position
BE, all sectors
reference
Sector 69
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 2025Solvency, return and age of the figures
Solvency
19.5%
Return on assets
-5.2%
Age of the figures
18 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€59k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 12643 sector peers (2025).
NBB · sector comparisonPosition among 12643 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 12-01-2026, 73 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
73 d late
2024
134 d late
2023
275 d late
2022
74 d late
2021
15 d late
2020
33 d early
2019
41 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€429k▲ 25.9%
2022 · €341k
2019: €250k
2020: €274k
2021: €314k
2022: €341k
2019 → 2023
EBIT margin
24.9%▲ 27.8pp
2022 · -2.9%
2019: 16.0%
2020: 21.0%
2021: 30.8%
2022: -2.9%
2019 → 2023
Net result
€-59k▼ 149%
2024 · €-24k
2019: €31k
2020: €50k
2021: €81k
2022: €-16k
2023: €90k
2024: €-24k
2019 → 2025
Working capital
€55k▼ 59.9%
2024 · €137k
2019: €137k
2020: €155k
2021: €206k
2022: €120k
2023: €175k
2024: €137k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€314k-€341k▲ 8.4%€429k▲ 25.9%
Equity€255k-€239k▼ 6.4%€304k▲ 27.2%€280k▼ 7.8%€221k▼ 21.2%
Operating result€97k-€-10k€107k€-3k€-45k▼ 1,686%
Net result€81k-€-16k€90k€-24k€-59k▼ 149%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €45k in 2025 against €3k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.13M
Fixed assets
€785k▼ 4.6%
Current assets
€346k▼ 13.9%
Equity and liabilities €1.13M
Equity
€221k▼ 21.2%
Debt
€910k▼ 3.6%
The debt ratio rises from 77.1% to 80.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-5k▼
2024 · €50k
Cash flow
€-19k▼
2024 · €29k
Solvency
19.5%▼
2024 · 22.9%
Current ratio
1.19▼
2024 · 1.52
Quick ratio
1.19▼
2024 · 1.52
Debt / equity
4.12▲
2024 · 3.37
ROE
-26.9%▼
2024 · -8.5%
ROA
-5.2%▼
2024 · -1.9%
Interest coverage
-0.30▼
2024 · 2.80
Debt
€910k▼
2024 · €944k
Debt ≤ 1 year
€291k▲
2024 · €265k
Debt > 1 year
€619k▼
2024 · €679k
Staff costs
€148k▼
2024 · €149k
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€1.22M€1.13M▼
Fixed assets21/28€822k€785k▼
Intangible fixed assets21€3k-
Tangible fixed assets22/27€820k€785k▼
Land and buildings22€787k€759k▼
Furniture and vehicles24€20k€16k▼
Other tangible fixed assets26€12k€10k▼
Current assets29/58€402k€346k▼
Amounts receivable within one year40/41€353k€295k▼
Trade receivables40€329k€277k▼
Other amounts receivable41€23k€18k▼
Current investments50/53€1k€1k=
Cash at bank and in hand54/58€7k€7k▲
Deferred charges and accrued income490/1€41k€42k▲
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.13M▼
Equity10/15€280k€221k▼
Contributions10/11€25k€25k=
Reserves13€34k€34k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€21k€21k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€221k€162k▼
Amounts payable17/49€944k€910k▼
Amounts payable after more than one year17€679k€619k▼
Financial debts170/4€677k€613k▼
Other amounts payable178/9€2k€6k▲
Amounts payable within one year42/48€265k€291k▲
Current portion of amounts payable after more than one year42€74k€70k▼
Financial debts43€50k€51k▲
Credit institutions430/8€50k€51k▲
Trade debts44€84k€113k▲
Suppliers440/4€84k€113k▲
Taxes, remuneration and social security45€23k€24k▲
Taxes450/3€7k€12k▲
Remuneration and social security454/9€16k€12k▼
Other amounts payable47/48€34k€34k▼
Accrued charges and deferred income492/3€154-
Income statement
Code20242025
Remuneration, social security and pensions62€149k€148k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€40k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€47k€39k▼
Other operating charges640/8€15k€27k▲
Non-recurring operating charges66A€322€2k▲
Gross operating margin9900€261k€210k▼
Operating profit (loss)9901€-3k€-45k▼
Financial income75/76B€95€3k▲
Recurring financial income75€95€3k▲
Financial charges65/66B€18k€17k▼
Recurring financial charges65€18k€17k▼
Profit (loss) for the period before taxes9903€-20k€-59k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€-24k€-59k▼
Profit (loss) for the period to be appropriated9905€-24k€-59k▼
Appropriation of the result
Profit (loss) to be appropriated9906€221k€162k▼
Profit (loss) brought forward from the previous period14P€245k€221k▼
The notes to these accounts (9 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
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 73 days late
2025
31-03
Financial
Weakest financial yearnet €-59k
Net result drops to €-59k, the lowest in the series.
14-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 134 days late
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 275 days late
2023
31-03
Financial
Back to profitnet €90k
Net result €90k after one loss-making year.
13-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 74 days late
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
31-03
Financial
Equity above €200kEq €255k ▲36.7%
3 profitable years in a row build equity to €255k.
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
20-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
07-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2017
15-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-08
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.
Directors · office · real estate
Directors
3 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, Saint-Ghislain · 2 establishment units since 2013
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.
Rue Grande(SG) 967330 Saint-GhislainGround area
972 m²
Building footprint
269 m²
Volume, LiDAR
3,340 m³
2 parcels, Brussels, Wallonia · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
ECO D M
since 20132.222.372.641
Gounodlaan 48, 1070 Anderlecht
since 20252.375.878.903
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53070B0246/00A003 | Wallonia | 823 m² | 1 · 170 m² | 15.5 m · 4 fl. |
| 21308H0475/00B006 | Brussels | 149 m² | 1 · 99 m² | 14.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
SDL CONSULT
BE 0472.232.919
Ittre · Eq €221k
De Regge & Partners
BE 0476.911.683
Deinze · Eq €221k
Be Prepared
BE 0772.707.245
Zoutleeuw · Eq €221k
ADV-ise
BE 0778.617.416
Sint-Pieters-Woluwe · Eq €221k
E.C.I. SERVICES
BE 0475.091.548
Charleroi · Eq €221k
Of 12,175 companies in sector 69201 we hold annual accounts for 7,639. 6,296 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2003
Fiscal year end31-03
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.xdxpert.be
E-mail:info@xdxpert.be