APB - Q, S & E services
ActiveSummary
APB - Q, S & E services has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €165k and a net result of €72k. Equity is growing by ~125.4% per year across the filed fiscal years. Its solvency ranks better than 72% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 4.2 against 7.28 in 2024; short-term debt: 23.8% and cash: 60.5% of total assets), and 23.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
76.2%
Return on assets
32.9%
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 20-04-2026, 102 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
102 d early
2024
29 d early
2023
29 d early
2022
4 d early
2021
12 d early
2020
17 d late
← 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
€165k▲ 17.3%
2024 · €141k
2020: €4k
2021: €6k
2022: €29k
2023: €66k
2024: €141k
2020 → 2025
Total assets
€217k▲ 32.9%
2024 · €163k
2020: €42k
2021: €41k
2022: €60k
2023: €96k
2024: €163k
2020 → 2025
Net result
€72k▼ 4.6%
2024 · €75k
2020: €-650
2021: €2k
2022: €22k
2023: €37k
2024: €75k
2020 → 2025
Working capital
€165k▲ 17.3%
2024 · €141k
2020: €-6k
2021: €-2k
2022: €23k
2023: €60k
2024: €141k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€29k▲ 350%€66k▲ 129%€141k▲ 113%€165k▲ 17.3%
Operating result€5k-€35k▲ 592%€59k▲ 71.0%€102k▲ 71.5%€92k▼ 9.7%
Net result€2k-€22k▲ 991%€37k▲ 65.8%€75k▲ 101%€72k▼ 4.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €217k
Equity
€165k ▲ 17.3%
Debt
€52k ▲ 130%
Debt's share of the balance-sheet total rises from 13.7% to 23.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€92k▼
2024 · €103k
Cash flow
€72k▼
2024 · €76k
Current ratio
4.20▼
2024 · 7.28
Debt to equity
0.31▲
2024 · 0.16
ROE
43.2%▼
2024 · 53.1%
ROA
32.9%▼
2024 · 45.8%
Interest coverage
53.37▼
2024 · 946.89
Debt ≤ 1 year
€52k▲
2024 · €22k
Income taxes
€23k▼
2024 · €29k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€163k€217k▲
Fixed assets21/28€0€0=
Tangible fixed assets22/27€0€0=
Furniture and vehicles24€0€0=
Current assets29/58€163k€217k▲
Amounts receivable after more than one year29€66k€58k▼
Other amounts receivable291€66k€58k▼
Amounts receivable within one year40/41€26k€28k▲
Trade receivables40€19k€20k▲
Other amounts receivable41€7k€7k▲
Cash at bank and in hand54/58€72k€131k▲
Equity and liabilities
Total equity and liabilities10/49€163k€217k▲
Equity10/15€141k€165k▲
Contributions10/11€5k€5k=
Reserves13€130k€155k▲
Distributable reserves133€130k€155k▲
Profit (loss) carried forward14€6k€5k▼
Amounts payable17/49€22k€52k▲
Amounts payable within one year42/48€22k€52k▲
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€21k€5k▼
Taxes450/3€21k€5k▼
Other amounts payable47/48-€47k
Income statement
Code20242025
Non-recurring operating income76A€14k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€0▼
Other operating charges640/8€2k-
Non-recurring operating charges66A€1k-
Gross operating margin9900€107k€92k▼
Operating profit (loss)9901€102k€92k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€109€2k▲
Recurring financial charges65€109€2k▲
Profit (loss) for the period before taxes9903€104k€94k▼
Income taxes67/77€29k€23k▼
Profit (loss) for the period9904€75k€72k▼
Profit (loss) for the period to be appropriated9905€75k€72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€77k▲
Profit (loss) brought forward from the previous period14P€1k€6k▲
Transfer to equity691/2€70k€25k▼
To other reserves6921€70k€25k▼
Profit to be distributed694/7-€47k
Return on contributions (dividend)694-€47k
The notes to these accounts (3 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
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €165k ▲17.3%
5 profitable years in a row build equity to €165k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €75k ▲101%
Operating result €102k, net result €75k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 7.28
Current ratio from 3.04 to 7.28; short-term debt falls from €30k to €22k.
31-12
Financial
Equity above €100kEq €141k ▲113%
4 profitable years in a row build equity to €141k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 2.07
Current ratio from 0.88 to 2.07.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2019
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.
Heirstraat 529150 Beveren-Kruibeke-ZwijndrechtGround area
1,467 m²
Building footprint
142 m²
Volume, LiDAR
751 m³
Parcel 46001A1502/00E000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heirstraat 52, 9150 Beveren-Kruibeke-Zwijndrecht
since 20192.290.378.747
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46001A1502/00E000 | Flanders | 1,467 m² | 1 · 142 m² | 8.4 m · 2 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
InOut Business Solutions
BE 0784.458.893
Brussel · Eq €165,435
RB PHARMA
BE 0504.849.465
Liège · Eq €165,444
TVA & Partners BV
BE 0653.819.887
Edegem · Eq €165,430
TRUE IT
BE 0459.913.919
Herk-de-Stad · Eq €165,424
VlotHR
BE 0701.724.130
Deerlijk · Eq €165,455
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,724 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
Founded20-06-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
73300Public relations and communication consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.