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AQUFIN

Active
Private limited companyfounded 20233 yrs activeGeraardsbergse steenweg 84, 9860 Oosterzele, BelgiumKBO/BCE: BE 0797.794.019
Summary

AQUFIN has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €159,494 and a net result of €81,710. Equity is growing by ~95.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 31942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency73▼-1
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity short (current ratio 0.59 against 2.43 in 2024; short-term debt: 43.5% and cash: 24.3% of total assets), and 51.6% of the assets are financed with debt.
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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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
48.4%
Return on assets
24.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-09-2026, 46 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filings
Deviation from the deadline
2025
46 d late
2024
31 d late
2023
3 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 25 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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. Usually files around 31 August (3 of the last 3 filed years within 33 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

AQUFIN was incorporated on 30 January 2023 as a Private limited company, with a starting capital of EUR 5,000.12 The registered office was moved to Oosterzele in 2025.3 The board currently has 2 members; Anja Quintijn has served longest, since 2023.2 Total assets rose from EUR 100,142 in 2023 to EUR 329,258 in 2025.4

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 01-02-2023
  3. 3Belgian State Gazette, 08-04-2025
  4. 4National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€159,494▲ 105%
2024 · €77,784
Total assets
€329,258▲ 109%
2024 · €157,366
Net result
€81,710▲ 21.3%
2024 · €67,362
Working capital
-€58,254
2024 · €61,294
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result€84,567-€87,984▲ 4.0%€107,360▲ 22.0%
Net result€65,422above the sector's middle half-€67,362above the sector's middle half▲ 3.0%€81,710above the sector's middle half▲ 21.3%
Equity€10,422below the sector's middle half-€77,784within the sector's middle half▲ 646%€159,494within the sector's middle half▲ 105%
Total assets€100,142within the sector's middle half-€157,366within the sector's middle half▲ 57.1%€329,258within the sector's middle half▲ 109%
Debt€89,720-€79,581▼ 11.3%€169,763▲ 113%
Working capital-€16,484below the sector's middle half-€61,294within the sector's middle half-€58,254below the sector's middle half
Solvency10.4%below the sector's middle half-49.4%within the sector's middle half▲ 39.0pp48.4%within the sector's middle half▼ 1.0pp
Current ratio0.82below the sector's middle half-2.43within the sector's middle half▲ 1.620.59below the sector's middle half▼ 1.84
Return on assets (ROA)65.3%above the sector's middle half-42.8%above the sector's middle half▼ 22.5pp24.8%within the sector's middle half▼ 18.0pp
above within below the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€50,000€100,000Operating result 2023: €84,567€84,567Net result 2023: €65,422€65,422Operating result 2024: €87,984€87,984Net result 2024: €67,362€67,362Operating result 2025: €107,360€107,360Net result 2025: €81,710€81,710202320242025€0€50,000€100,000Operating result 2023: €84,567€84,600Net result 2023: €65,422€65,400Operating result 2024: €87,984€88,000Net result 2024: €67,362€67,400Operating result 2025: €107,360€107,000Net result 2025: €81,710€81,700202320242025
The operating result has risen two years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €329,258
Fixed assets €244,348 ▲ 359%
Current assets €84,909 ▼ 18.4%
Equity and liabilities €329,258
Equity €159,494 ▲ 105%
Debt €169,763 ▲ 113%
Debt's share of the balance-sheet total rises from 50.6% to 51.6%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€119,964▲
2024 · €96,635
Cash flow
€94,313▲
2024 · €76,014
Debt to equity
1.06▲
2024 · 1.02
ROE
51.2%▼
2024 · 86.6%
Interest coverage
71.62▲
2024 · 65.85
Debt ≤ 1 year
€143,163▲
2024 · €42,784
Debt > 1 year
€26,600▼
2024 · €36,797
Income taxes
€24,551▲
2024 · €19,261
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet Code20242025
Assets
Total assets20/58€157,366€329,258▲
Fixed assets21/28€53,287€244,348▲
Intangible fixed assets21-€149,836
Tangible fixed assets22/27€53,287€94,512▲
Plant, machinery and equipment23€2,635€44,548▲
Furniture and vehicles24€765€11,699▲
Leasing and similar rights25€49,887€38,265▼
Current assets29/58€104,078€84,909▼
Amounts receivable within one year40/41€30,306€4,880▼
Trade receivables40€30,250€4,824▼
Other amounts receivable41€56€56=
Cash at bank and in hand54/58€73,772€80,029▲
Equity and liabilities
Total equity and liabilities10/49€157,366€329,258▲
Equity10/15€77,784€159,494▲
Contributions10/11€5,000€5,000=
Reserves13€72,784€154,494▲
Non-distributable reserves130/1€500€500=
Reserves not available under the articles1311€500€500=
Distributable reserves133€72,284€153,994▲
Amounts payable17/49€79,581€169,763▲
Amounts payable after more than one year17€36,797€26,600▼
Financial debts170/4€36,797€26,600▼
Amounts payable within one year42/48€42,784€143,163▲
Current portion of amounts payable after more than one year42€9,850€10,197▲
Trade debts44€929€6,972▲
Suppliers440/4€929€6,972▲
Taxes, remuneration and social security45€32,005€40,912▲
Taxes450/3€32,005€40,912▲
Other amounts payable47/48-€85,082
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,651€12,603▲
Other operating charges640/8€8,191€2,071▼
Gross operating margin9900€104,826€122,034▲
Operating profit (loss)9901€87,984€107,360▲
Financial income75/76B€107€576▲
Recurring financial income75€107€576▲
Financial charges65/66B€1,468€1,675▲
Recurring financial charges65€1,468€1,675▲
Profit (loss) for the period before taxes9903€86,624€106,261▲
Income taxes67/77€19,261€24,551▲
Profit (loss) for the period9904€67,362€81,710▲
Profit (loss) for the period to be appropriated9905€67,362€81,710▲
Appropriation of the result
Profit (loss) to be appropriated9906€67,362€81,710▲
Transfer to equity691/2€67,362€81,710▲
To other reserves6921€67,362€81,710▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,791€8,651€12,603▲ 45.7%
Other operating charges640/8€1,649€8,191€2,071▼ 74.7%
Gross operating margin9900€97,007€104,826€122,034▲ 16.4%
Operating profit (loss)9901€84,567€87,984€107,360▲ 22.0%
Financial income75/76B€23€107€576▲ 437%
Recurring financial income75€23€107€576▲ 437%
Financial charges65/66B€85€1,468€1,675▲ 14.1%
Recurring financial charges65€85€1,468€1,675▲ 14.1%
Profit (loss) for the period before taxes9903€84,505€86,624€106,261▲ 22.7%
Income taxes67/77€19,083€19,261€24,551▲ 27.5%
Profit (loss) for the period9904€65,422€67,362€81,710▲ 21.3%
Profit (loss) for the period to be appropriated9905€65,422€67,362€81,710▲ 21.3%
Line202320242025Change
Assets
Total assets20/58€100,142€157,366€329,258▲ 109%
Fixed assets21/28€26,906€53,287€244,348▲ 359%
Intangible fixed assets21--€149,836-
Tangible fixed assets22/27€26,906€53,287€94,512▲ 77.4%
Plant, machinery and equipment23-€2,635€44,548▲ 1,591%
Furniture and vehicles24€26,906€765€11,699▲ 1,429%
Leasing and similar rights25-€49,887€38,265▼ 23.3%
Current assets29/58€73,236€104,078€84,909▼ 18.4%
Amounts receivable within one year40/41€18,725€30,306€4,880▼ 83.9%
Trade receivables40€18,725€30,250€4,824▼ 84.1%
Other amounts receivable41-€56€56=
Cash at bank and in hand54/58€54,512€73,772€80,029▲ 8.5%
Equity and liabilities
Total equity and liabilities10/49€100,142€157,366€329,258▲ 109%
Equity10/15€10,422€77,784€159,494▲ 105%
Contributions10/11€5,000€5,000€5,000=
Reserves13€5,422€72,784€154,494▲ 112%
Non-distributable reserves130/1€5,422€500€500=
Reserves not available under the articles1311€500€500€500=
Other1319€4,922---
Distributable reserves133-€72,284€153,994▲ 113%
Amounts payable17/49€89,720€79,581€169,763▲ 113%
Amounts payable after more than one year17-€36,797€26,600▼ 27.7%
Financial debts170/4-€36,797€26,600▼ 27.7%
Amounts payable within one year42/48€89,720€42,784€143,163▲ 235%
Current portion of amounts payable after more than one year42-€9,850€10,197▲ 3.5%
Trade debts44€1,626€929€6,972▲ 650%
Suppliers440/4€1,626€929€6,972▲ 650%
Taxes, remuneration and social security45€28,095€32,005€40,912▲ 27.8%
Taxes450/3€28,095€32,005€40,912▲ 27.8%
Other amounts payable47/48€60,000-€85,082-
Line202320242025Change
Profit (loss) for the period9904€65,422€67,362€81,710▲ 21.3%
+ Depreciation and write-downs630€10,791€8,651€12,603▲ 45.7%
Operating cash flow (approximation)€76,213€76,014€94,313▲ 24.1%
Investment in fixed assets (approximation)--€35,033-€203,664▼ 481%
Change in cash-€19,261€6,257▼ 67.5%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
15-09
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 46 days late
2025
31-12
Financial Highest result since 2023net €81,710 ▲21.3%
Operating result €107,360, net result €81,710, both a record.
31-12
Financial Equity above €150,000Eq €159,494 ▲105%
3 profitable years in a row build equity to €159,494.
31-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
08-04
State Gazette act Purpose
Registered-office move · Purpose change · Power of attorney4 facts ▸
  • General meeting, 03-04-2025
  • Registered-office move, 9860 Oosterzele, Geraardsbergsesteenweg 84
  • Purpose change, De vennootschap heeft tot voorwerp: A/ Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen…
  • Power of attorney, DECOSTERE ACCOUNTANCY AVELGEM
2024
31-12
Financial Liquidity triplescurrent ratio 2.43
Current ratio from 0.82 to 2.43; short-term debt falls from €89,720 to €42,784.
28-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
01-02
State Gazette act Incorporation
Appointments: Ronny Soestronck (director) and Anja Quintijn (director) · Founding capital · Assumption of liabilities6 facts ▸
  • Incorporation, 30-01-2023
  • Founding capital, €5.000
  • Director appointment, Ronny Soestronck (director)
  • Director appointment, Anja Quintijn (director)
  • Assumption of liabilities, Alle verbintenissen en verplichtingen en alle activiteiten ondernomen sinds 1 januari 2023 door de comparanten in naam en voor rekening van de vennootschap in o…
  • Power of attorney, Marieke Monteyne
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 2 acts read

Directors · office · real estate

Directors
2 directors, no change since 2023
Anja Quintijn
Director · since 30-01-2023
Current
Ronny Soestronck
Director · since 30-01-2023
Current
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Oosterzele · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
652 m²
Building footprint
112 m²
Parcel 44052C0781/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
Geraardsbergse steenweg 84, 9860 Oosterzele
Financial service activities, except insurance and pension funding
since 20232.341.705.011
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44052C0781/00L000 Flanders 652 m² 1 · 112 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Mandate history

2 people since 2023, 2 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
Anja Quintijn
  • Director, from 30-01-2023 to date
Ronny Soestronck
  • Director, from 30-01-2023 to date
See the board, name and seat on a given date →

Articles of association

Purpose
A/ Het verwerven van participaties... B/ Het uitoefenen van management, consulting- en beheersactiviteiten... C/ Het verstrekken van advies... D/ Het uitvoeren van marktstudies...…
Full purpose

A/ Het verwerven van participaties... B/ Het uitoefenen van management, consulting- en beheersactiviteiten... C/ Het verstrekken van advies... D/ Het uitvoeren van marktstudies... E/ Het toestaan van leningen... F/ Het ontwikkelen, kopen, verkopen... G/ Het verlenen van administratieve prestaties... H/ Het onderzoek, de ontwikkeling... I/ De aan- en verkoop... J/ Voor eigen rekening: het aanleggen... onroerend vermogen... K/ Voor eigen rekening: het aanleggen... roerend patrimonium...

Structure & network

Connections & network

2 current directors
Depth

The group is listed under Ownership & control below; here you explore it as a network.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, scroll to zoom.

Ownership & control

1 board mandate
Board mandates of this companythis company sits on their board1

Capital and shareholders

Capital over the years
  1. 01-02-2023 Incorporation · 5,000 EUR · 100 shares

Recognitions · licences · registrations

Food safety, FASFC

1 site
Oosterzele2.341.705.011
1 permission
Toelating · Traiteur · since 15-06-2026

Similar companies · same sector, comparable size

Of 82,646 companies in sector 70200 we hold annual accounts for 52,627. 40,779 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded30-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
56210Event catering
70200Business and other management consultancy
63920Other information service activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0797794019
Registered 27-03-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.