Summary
NEW ORCQ is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €708k and a net result of €203k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 64% of 5527 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 09-07-2026, 22 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
22 d early
2024
1 d late
2023
31 d late
2022
5 d early
2021
31 d early
2020
22 d early
2019
29 d early
← 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, abbreviated schema
Equity
€708k▲ 30.6%
2024 · €542k
2018: €79k
2019: €125k
2020: €249k
2021: €422k
2022: €470k
2023: €473k
2024: €542k
2018 → 2025
Net result
€203k▲ 89.9%
2024 · €107k
2018: €61k
2019: €46k
2020: €124k
2021: €173k
2022: €66k
2023: €49k
2024: €107k
2018 → 2025
Total assets
€1.06M▲ 7.3%
2024 · €990k
2018: €494k
2019: €458k
2020: €580k
2021: €761k
2022: €667k
2023: €925k
2024: €990k
2018 → 2025
Solvency
66.7%▲ 11.9pp
2024 · 54.7%
2018: 16.1%
2019: 27.3%
2020: 42.9%
2021: 55.4%
2022: 70.4%
2023: 51.1%
2024: 54.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€422k-€470k▲ 11.3%€473k▲ 0.7%€542k▲ 14.5%€708k▲ 30.6%
Operating result€238k-€101k▼ 57.8%€77k▼ 23.8%€151k▲ 96.7%€219k▲ 45.4%
Net result€173k-€66k▼ 62.0%€49k▼ 24.8%€107k▲ 116%€203k▲ 89.9%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 45% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€423k ▼ 0.2%
Current assets
€639k ▲ 12.8%
Equity and liabilities €1.06M
Equity
€708k ▲ 30.6%
Debt
€354k ▼ 21.0%
Debt's share of the balance-sheet total falls from 45.3% to 33.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
28.7%▲
2024 · 19.7%
ROA
19.1%▲
2024 · 10.8%
Debt ≤ 1 year
€169k▼
2024 · €218k
Debt > 1 year
€182k▼
2024 · €228k
Income taxes
€15k▼
2024 · €41k
Staff costs
€77k▲
2024 · €74k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€990k€1.06M▲
Fixed assets21/28€424k€423k▼
Tangible fixed assets22/27€1k€493▼
Plant, machinery and equipment23€1k€493▼
Financial fixed assets28€422k€422k=
Current assets29/58€566k€639k▲
Amounts receivable after more than one year29€300k€300k=
Other amounts receivable291€300k€300k=
Amounts receivable within one year40/41€247k€261k▲
Trade receivables40€205k€34k▼
Other amounts receivable41€42k€226k▲
Cash at bank and in hand54/58€14k€72k▲
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€990k€1.06M▲
Equity10/15€542k€708k▲
Contributions10/11€19k€19k=
Reserves13€523k€689k▲
Distributable reserves133€523k€689k▲
Amounts payable17/49€448k€354k▼
Amounts payable after more than one year17€228k€182k▼
Financial debts170/4€228k€182k▼
Amounts payable within one year42/48€218k€169k▼
Current portion of amounts payable after more than one year42€55k€46k▼
Financial debts43€10k€3k▼
Credit institutions430/8€10k€3k▼
Trade debts44€83k€3k▼
Suppliers440/4€83k€3k▼
Taxes, remuneration and social security45€31k€22k▼
Taxes450/3€20k€12k▼
Remuneration and social security454/9€12k€9k▼
Other amounts payable47/48€38k€96k▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€74k€77k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€946▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A-€59k
Gross operating margin9900€229k€360k▲
Operating profit (loss)9901€151k€219k▲
Financial income75/76B€15k€13k▼
Recurring financial income75€15k€13k▼
Financial charges65/66B€18k€14k▼
Recurring financial charges65€18k€14k▼
Profit (loss) for the period before taxes9903€148k€218k▲
Income taxes67/77€41k€15k▼
Profit (loss) for the period9904€107k€203k▲
Profit (loss) for the period to be appropriated9905€107k€203k▲
Appropriation of the result
Profit (loss) to be appropriated9906€107k€203k▲
Transfer to equity691/2€69k€166k▲
To other reserves6921€69k€166k▲
Profit to be distributed694/7€38k€37k▼
Return on contributions (dividend)694€38k€37k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (9 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €203k ▲89.9%
Net result €203k, the highest in the series.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 1 day late
2024
31-12
Financial
Equity above €500kEq €542k ▲14.5%
7 profitable years in a row build equity to €542k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Liquidity doublescurrent ratio 1.19
Current ratio from 0.48 to 1.19.
31-12
Financial
Equity above €200kEq €249k ▲98.7%
3 profitable years in a row build equity to €249k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €46k ▼24.8%
Net result drops to €46k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €125k ▲57.6%
2 profitable years in a row build equity to €125k.
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 8 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, Tournai · 1 establishment unit since 2017
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.
Chaussée de Lille(OR) 4337501 TournaiGround area
5,023 m²
Building footprint
1,070 m²
Volume, LiDAR
4,078 m³
Parcel 57060A0331/00K000, Wallonia · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
NEW ORCQ
since 20172.267.377.572
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57060A0331/00K000 | Wallonia | 5,023 m² | 1 · 1,070 m² | 5.2 m · 1 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.
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AMG BEHEER
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,321 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
Founded01-09-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.