KERGER et QUOILIN
ActiveKERGER et QUOILIN has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €335. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 11% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency28=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.0 against 0.97 in 2024; short-term debt: 89.3% and cash: 40.2% of total assets), and 96.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
3.3%
Return on assets
0.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 9460 sector peers (2025).
NBB · sector comparisonPosition among 9460 sector peers
Solvency
better than 11%
← weakest
strongest →
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 08-04-2026, 114 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
114 d early
2024
100 d early
2023
103 d early
2022
5 d early
2021
2 d early
2020
9 d early
2019
1 d early
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▲ 3.2%
2024 · €11k
2018: €8k
2019: €853
2020: €9k
2021: €10k
2022: €10k
2023: €10k
2024: €11k
2018 → 2025
Total assets
€329k▼ 5.7%
2024 · €349k
2018: €270k
2019: €259k
2020: €299k
2021: €364k
2022: €379k
2023: €357k
2024: €349k
2018 → 2025
Net result
€335▲ 52.2%
2024 · €220
2018: €-562
2019: €-7k
2020: €9k
2021: €365
2022: €231
2023: €292
2024: €220
2018 → 2025
Working capital
€617
2024 · €-8k
2018: €-20k
2019: €-21k
2020: €-9k
2021: €46k
2022: €30k
2023: €2k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€10k▲ 2.4%€10k▲ 2.9%€11k▲ 2.1%€11k▲ 3.2%
Operating result€3k-€7k▲ 132%€9k▲ 29.6%€8k▼ 2.4%€8k▼ 3.0%
Net result€365-€231▼ 36.9%€292▲ 26.7%€220▼ 24.7%€335▲ 52.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €329k
Fixed assets
€35k▼ 34.3%
Current assets
€295k▼ 0.6%
Equity and liabilities €329k
Equity
€11k▲ 3.2%
Debt
€319k▼ 6.0%
The debt ratio falls from 97.0% to 96.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€27k▲
2024 · €27k
Cash flow
€19k▲
2024 · €19k
Solvency
3.3%▲
2024 · 3.0%
Current ratio
1.00▲
2024 · 0.97
Quick ratio
1.00▲
2024 · 0.97
Debt / equity
29.36▼
2024 · 32.22
ROE
3.1%▲
2024 · 2.1%
ROA
0.1%▲
2024 · 0.1%
Interest coverage
11.07▲
2024 · 8.82
Debt
€319k▼
2024 · €339k
Debt ≤ 1 year
€294k▼
2024 · €305k
Debt > 1 year
€15k▼
2024 · €30k
Income taxes
€6k▲
2024 · €5k
Staff costs
€1k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€349k€329k▼
Fixed assets21/28€53k€35k▼
Tangible fixed assets22/27€52k€34k▼
Furniture and vehicles24€50k€33k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€500€500=
Current assets29/58€297k€295k▼
Amounts receivable within one year40/41€201k€161k▼
Trade receivables40€193k€154k▼
Other amounts receivable41€8k€7k▼
Cash at bank and in hand54/58€95k€132k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€349k€329k▼
Equity10/15€11k€11k▲
Contributions10/11€8k€8k=
Reserves13€3k€3k▲
Distributable reserves133€3k€3k▲
Amounts payable17/49€339k€319k▼
Amounts payable after more than one year17€30k€15k▼
Financial debts170/4€30k€15k▼
Amounts payable within one year42/48€305k€294k▼
Current portion of amounts payable after more than one year42€24k€18k▼
Trade debts44€267k€247k▼
Suppliers440/4€267k€247k▼
Taxes, remuneration and social security45€11k€27k▲
Taxes450/3€11k€27k▲
Other amounts payable47/48€2k€1k▼
Accrued charges and deferred income492/3€4k€10k▲
Income statement
Code20242025
Remuneration, social security and pensions62€2k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Other operating charges640/8€38k€14k▼
Gross operating margin9900€67k€43k▼
Operating profit (loss)9901€8k€8k▼
Financial income75/76B€2€213▲
Recurring financial income75€2€213▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€5k€6k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€220€335▲
Profit (loss) for the period to be appropriated9905€220€335▲
Appropriation of the result
Profit (loss) to be appropriated9906€220€335▲
Transfer to equity691/2€220€335▲
To the legal reserve6920€220-
To other reserves6921-€335
The notes to these accounts (7 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Neufchâteau · 1 establishment unit since 1994
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.
Chemin du Hays,NEU 16840 NeufchâteauGround area
1,866 m²
Building footprint
445 m²
Volume, LiDAR
3,391 m³
Parcel 84043C0150/02_000, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chemin du Hays,NEU 1, 6840 Neufchâteau
since 19942.198.073.052
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84043C0150/02_000 | Wallonia | 1,866 m² | 1 · 445 m² | 10.3 m · 3 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
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WESTHOF INTERIORS
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RdC INTERIEUR
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Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 3,547 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-1994
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.