XL CONSULTANCY
ActiveXL CONSULTANCY has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €31k. Equity is growing by ~64.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 6971 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +48 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100=
Growth78▲+46
Stability94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.18 against 4.51 in 2024), and 30.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
69.7%
Return on assets
51.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
5 d late
2023
30 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 286%
2024 · €11k
2023: €18k
2024: €11k
2023 → 2025
Total assets
€59k▲ 350%
2024 · €13k
2023: €41k
2024: €13k
2023 → 2025
Net result
€31k
2024 · €-7k
2023: €24k
2024: €-7k
2023 → 2025
Working capital
€39k▲ 356%
2024 · €9k
2023: €17k
2024: €9k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€18k-€11k▼ 40.5%€41k▲ 286%
Operating result€32k-€-7k€38k
Net result€24k-€-7k€31k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €38k after a loss of €7k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€2k▲ 2.8%
Current assets
€57k▲ 417%
Equity and liabilities €59k
Equity
€41k▲ 286%
Debt
€18k▲ 634%
The debt ratio rises from 18.6% to 30.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€40k▲
2024 · €-6k
Cash flow
€32k▲
2024 · €-6k
Solvency
69.7%▼
2024 · 81.4%
Current ratio
3.18▼
2024 · 4.51
Quick ratio
3.18▼
2024 · 4.51
Debt / equity
0.43▲
2024 · 0.23
ROE
74.1%▲
2024 · -68.0%
ROA
51.6%▲
2024 · -55.3%
Interest coverage
340.93▲
2024 · -43.76
Debt
€18k▲
2024 · €2k
Debt ≤ 1 year
€18k▲
2024 · €2k
Income taxes
€8k▲
2024 · €186
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€13k€59k▲
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€2k€2k▲
Current assets29/58€11k€57k▲
Amounts receivable within one year40/41€3k€11k▲
Trade receivables40€0€11k▲
Other amounts receivable41€3k€162▼
Cash at bank and in hand54/58€8k€43k▲
Deferred charges and accrued income490/1€303€3k▲
Equity and liabilities
Total equity and liabilities10/49€13k€59k▲
Equity10/15€11k€41k▲
Contributions10/11€200€200=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€-7k€23k▲
Amounts payable17/49€2k€18k▲
Amounts payable within one year42/48€2k€18k▲
Financial debts43€61€394▲
Credit institutions430/8€61€394▲
Trade debts44€149€3k▲
Suppliers440/4€149€3k▲
Taxes, remuneration and social security45€2k€15k▲
Taxes450/3€0€12k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€39€76▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-4k€41k▲
Operating profit (loss)9901€-7k€38k▲
Financial income75/76B€0€160▲
Recurring financial income75€0€160▲
Financial charges65/66B€131€117▼
Recurring financial charges65€131€117▼
Profit (loss) for the period before taxes9903€-7k€38k▲
Income taxes67/77€186€8k▲
Profit (loss) for the period9904€-7k€31k▲
Profit (loss) for the period to be appropriated9905€-7k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€23k▲
Profit (loss) brought forward from the previous period14P-€-7k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (5 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial
Weakest financial yearnet €-7k ▼131%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 4.51
Current ratio from 1.74 to 4.51; short-term debt falls from €23k to €2k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zemst · 1 establishment unit since 2023
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.
Tervuursesteenweg 4311982 ZemstGround area
247 m²
Building footprint
102 m²
Volume, LiDAR
847 m³
Parcel 23018A0119/00F003, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
XL CONSULTANCY
since 20232.345.923.125
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23018A0119/00F003 | Flanders | 247 m² | 1 · 102 m² | 10.6 m · 3 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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Of 13,425 companies in sector 73300 we hold annual accounts for 6,900. 5,397 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2023
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
73120Media representation
73200Market research and public opinion polling
77400Rental and leasing activities
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.