A cross-over as the the name suggest is a combination of
cross between a LP and a HP filter. Both filters must have the same frequency in order for a cross-over to work.
Here is a layman explanation.
To add to the above every speaker driver is a LP filter. Sealed enclosures have 2nd order (12dB/oct) and vented ones have 4th order (24dB/oct) responses at f3, the cut-off frequency of the filter. A stand mounted speaker mostly have a f3 around 60-80Hz. That is very near to the subwoofer frequencies used with subwoofers. This makes subwoofer matching not a trivial job.
Naturally, you can just ad a sub to your speakers and get more bass. That doesn't mean it is correct. Then again I assume anyone on this forum is searching for the correct solution?