XL TECHNICS DAKWERKEN
ActiveSummary
XL TECHNICS DAKWERKEN has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €214k and a net result of €11k. Equity is growing by ~37.4% per year across the filed fiscal years. Its solvency ranks better than 57% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-11
Solvency75▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 2.43 in 2024; short-term debt: 8.5% and cash: 1.2% of total assets), but 50.3% of the assets are financed with debt.
Credit advice 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 41
Relative position
BE, all sectors
reference
Sector 41
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
49.7%
Return on assets
2.6%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
1 d late
2023
22 d early
2022
26 d early
2021
10 d early
2020
198 d late
2019
46 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€214k▲ 5.5%
2024 · €202k
2018: €29k
2019: €35k
2020: €31k
2021: €42k
2022: €84k
2023: €152k
2024: €202k
2018 → 2025
Total assets
€429k▼ 1.5%
2024 · €436k
2018: €58k
2019: €48k
2020: €59k
2021: €49k
2022: €97k
2023: €177k
2024: €436k
2018 → 2025
Net result
€11k▼ 77.9%
2024 · €51k
2018: €9k
2019: €6k
2020: €-4k
2021: €10k
2022: €42k
2023: €68k
2024: €51k
2018 → 2025
Working capital
€25k▼ 26.2%
2024 · €35k
2018: €21k
2019: €26k
2020: €18k
2021: €27k
2022: €34k
2023: €71k
2024: €35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€84k▲ 101%€152k▲ 81.1%€202k▲ 33.3%€214k▲ 5.5%
Operating result€14k-€59k▲ 331%€92k▲ 57.2%€68k▼ 26.5%€16k▼ 75.8%
Net result€10k-€42k▲ 304%€68k▲ 61.2%€51k▼ 25.8%€11k▼ 77.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 76% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €429k
Fixed assets
€367k ▼ 2.6%
Current assets
€62k ▲ 5.7%
Equity and liabilities €429k
Equity
€214k ▲ 5.5%
Debt
€216k ▼ 7.5%
Debt's share of the balance-sheet total falls from 53.5% to 50.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47k▼
2024 · €87k
Cash flow
€42k▼
2024 · €70k
Current ratio
1.70▼
2024 · 2.43
Debt to equity
1.01▼
2024 · 1.15
ROE
5.2%▼
2024 · 25.0%
ROA
2.6%▼
2024 · 11.6%
Interest coverage
31.22▼
2024 · 112.98
Debt ≤ 1 year
€36k▲
2024 · €24k
Debt > 1 year
€179k▼
2024 · €209k
Income taxes
€5k▼
2024 · €23k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€436k€429k▼
Fixed assets21/28€377k€367k▼
Tangible fixed assets22/27€377k€367k▼
Land and buildings22€335k€327k▼
Plant, machinery and equipment23€13k€20k▲
Furniture and vehicles24€28k€20k▼
Financial fixed assets28€470€470=
Current assets29/58€59k€62k▲
Amounts receivable within one year40/41€36k€53k▲
Trade receivables40€33k€48k▲
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€17k€5k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€436k€429k▼
Equity10/15€202k€214k▲
Contributions10/11€6k€6k=
Reserves13€82k€92k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€80k€90k▲
Profit (loss) carried forward14€114k€116k▲
Amounts payable17/49€233k€216k▼
Amounts payable after more than one year17€209k€179k▼
Financial debts170/4€209k€179k▼
Amounts payable within one year42/48€24k€36k▲
Current portion of amounts payable after more than one year42€15k€15k=
Trade debts44€3k€11k▲
Suppliers440/4€3k€11k▲
Taxes, remuneration and social security45€6k€11k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€31k▲
Other operating charges640/8€3k€867▼
Gross operating margin9900€91k€48k▼
Operating profit (loss)9901€68k€16k▼
Financial income75/76B€7k€1k▼
Recurring financial income75€3k€1k▼
Non-recurring financial income76B€5k-
Financial charges65/66B€774€2k▲
Recurring financial charges65€774€2k▲
Profit (loss) for the period before taxes9903€74k€16k▼
Income taxes67/77€23k€5k▼
Profit (loss) for the period9904€51k€11k▼
Profit (loss) for the period to be appropriated9905€51k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€154k€126k▼
Profit (loss) brought forward from the previous period14P€104k€114k▲
Transfer to equity691/2€40k€10k▼
To other reserves6921€40k€10k▼
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Equity above €200kEq €202k ▲33.3%
4 profitable years in a row build equity to €202k.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €68k ▲61.2%
Operating result €92k, net result €68k, both a record.
31-12
Financial
Equity above €150kEq €152k ▲81.1%
3 profitable years in a row build equity to €152k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
14-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 198 days late
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 6.69
Current ratio from 1.96 to 6.69; short-term debt falls from €19k to €5k.
2020
31-12
Financial
Weakest financial yearnet €-4k ▼161%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
Show earlier events
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 7.46
Current ratio from 2.22 to 7.46; short-term debt falls from €17k to €4k.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
6 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 2013
Ground area
1,028 m²
Building footprint
235 m²
Volume, LiDAR
1,004 m³
Parcel 23018E0037/00H000, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
XL TECHNICS
since 20132.228.731.881
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23018E0037/00H000 | Flanders | 1,028 m² | 1 · 235 m² | 7.5 m · 1 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.
Similar companies · same sector, comparable size
BOUWONDERNEMING S.T.V.
BE 0429.947.649
Heuvelland · Eq €213,545
CODEC
BE 0863.164.693
Charleroi · Eq €213,528
DEBOGRA
BE 0629.809.023
Lochristi · Eq €213,515
BOUWWERKEN DE VOS PASCAL
BE 0840.497.377
Maldegem · Eq €213,507
ECO-HOME
BE 0466.838.432
Westerlo · Eq €213,630
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 11,929 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
Founded15-11-2013
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.