Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 14 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Xpect Immo from Leuven, company number BE0636758181, closed financial year 2025 with a result of € -76,056 after tax. For that financial year Xpect Immo recorded a gross margin of € 245,484 and equity of € 1.7 million. Compared with financial year 2024, the result moved from € -148,216 to € -76,056. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.
€ 1.7 million
▼ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -76,056
▲ 49 % less loss than in 2024
Profit after tax over the fiscal year.
€ 16,797
▲ € 15,987 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 1.6 million.
People and assets in 2025
1
▲ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 32,957
▼ 43% vs 2024
€ 33,000 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 240
▼ 75% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 3.4 million
▲ 9% vs 2024
Loans from banks and other lenders, long and short.
€ 91,069
▲ 169% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 13,453
▲ 27% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 704,023 | € 658,881 | € 135,333 | € 245,484 | ▲ 81% |
| Profit after taxes | € 325,689 | € 258,582 | € -148,216 | € -76,056 | ▲ € 72,160 |
| Equity | € 1,712,155 | € 1,970,737 | € 1,822,522 | € 1,746,466 | ▼ 4% |
| Total debts | € 5,296,903 | € 3,681,537 | € 3,800,054 | € 4,644,865 | ▲ 22% |
| Cash | € 11,768 | € 718 | € 810 | € 16,797 | ▲ € 15,987 |
| Land & buildings | € 171,803 | € 266,288 | € 93,600 | € 90,400 | ▼ 3% |
| Retained profit | € 1,612,155 | € 1,870,737 | € 1,722,522 | € 1,646,466 | ▼ 4% |
| Bank debt | € 4,502,621 | € 3,194,936 | € 3,128,135 | € 3,412,306 | ▲ 9% |
| Balance sheet total | € 7,009,058 | € 5,652,274 | € 5,622,576 | € 6,391,331 | ▲ 14% |
| Employees (FTE) | 2 | 1.5 | 0.8 | 1 | ▲ 0.2 |
Key figures of Xpect Immo, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Xpect Immo?
What happened at Xpect Immo in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 76,056. Source: NBB ↗
- New establishment in Leuven. KBO
- Start of the company according to the CBE. KBO
In short
From € 325,689 profit in 2022 to € 76,056 loss in 2025.
Paid € 199,344 in corporate taxes since 2022.
Best year ever: 2022, with € 325,689 profit.
On average € 245,500 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Xpect Immo are Mefina CommV and Horfina CommV. The same people are also behind XPECT and KD Real Estate.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Bondgenotenlaan 116
3000 Leuven
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0636.758.181
- VAT number
- BE 0636.758.181
- Registered office
- Bondgenotenlaan 116, 3000 Leuven
- Names & denominations
- Xpect Immo
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 3 September 2015
- Peppol
- Active · Active since 24 Nov 2023
- Activities · NACE
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