To find the water-image of a figure, you need to invert the figure vertically. This means flipping it along the horizontal axis, as if the figure is reflected in a still body of water.

Let's analyze the given figure (X):

Key points in the figure:

• The top part contains shapes: an 'X' on the left and a square with a diagonal line on the right.
• The bottom part has a circle with a horizontal line, resembling half-shaded.

Now, let's flip this vertically:

• The 'X' will stay in the same vertical alignment but at the bottom when flipped, and the half-shaded circle will move to the top.
• The square with the diagonal will also move to the bottom, maintaining its left-right orientation.

Let's examine the options:

1. Option A
2. Option B
3. Option C
4. Option D

The correct water-image should have:

• A half-shaded circle on the top.
• An 'X' at the bottom left and a square with a diagonal line at the bottom right.

Thus, the correct answer is Option D:

Option D correctly shows the vertical inversion of figure (X), matching all observed features.