QIKV 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 €39k and a net result of €34k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 7980 sector peers (fiscal year 2025). The company has been active since 2021 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d early
2022
22 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▼ 81.3%
2024 · €211k
2022: €14k
2023: €108k
2024: €211k
2022 → 2025
Net result
€34k▼ 66.7%
2024 · €103k
2022: €9k
2023: €95k
2024: €103k
2022 → 2025
Total assets
€253k▼ 22.7%
2024 · €327k
2022: €50k
2023: €179k
2024: €327k
2022 → 2025
Solvency
15.5%▼ 48.8pp
2024 · 64.3%
2022: 27.5%
2023: 60.1%
2024: 64.3%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€14k-€108k▲ 690%€211k▲ 95.6%€39k▼ 81.3%
Operating result€13k-€124k▲ 863%€136k▲ 9.1%€48k▼ 64.5%
Net result€9k-€95k▲ 907%€103k▲ 8.5%€34k▼ 66.7%
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 65% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €253k
Fixed assets
€96k▲ 30.8%
Current assets
€157k▼ 38.1%
Equity and liabilities €253k
Equity
€39k▼ 81.3%
Debt
€214k▲ 83.1%
The debt ratio rises from 35.7% to 84.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
15.5%▼
2024 · 64.3%
ROE
87.3%▲
2024 · 48.9%
ROA
13.6%▼
2024 · 31.4%
Debt
€214k▲
2024 · €117k
Debt ≤ 1 year
€201k▲
2024 · €98k
Debt > 1 year
€13k▼
2024 · €19k
Income taxes
€11k▼
2024 · €29k
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€327k€253k▼
Fixed assets21/28€73k€96k▲
Tangible fixed assets22/27€59k€81k▲
Plant, machinery and equipment23€59k€81k▲
Financial fixed assets28€15k€15k=
Current assets29/58€254k€157k▼
Amounts receivable after more than one year29€2k€0▼
Other amounts receivable291€2k€0▼
Amounts receivable within one year40/41€158k€100k▼
Trade receivables40€157k€93k▼
Other amounts receivable41€1k€6k▲
Cash at bank and in hand54/58€88k€51k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€327k€253k▼
Equity10/15€211k€39k▼
Contributions10/11€5k€5k=
Reserves13€206k€34k▼
Distributable reserves133€206k€34k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€117k€214k▲
Amounts payable after more than one year17€19k€13k▼
Financial debts170/4€19k€13k▼
Amounts payable within one year42/48€98k€201k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Financial debts43€30k€15k▼
Credit institutions430/8€30k€15k▼
Trade debts44€29k€1k▼
Suppliers440/4€29k€1k▼
Taxes, remuneration and social security45€32k€52k▲
Taxes450/3€32k€52k▲
Other amounts payable47/48€0€127k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€20k▲
Other operating charges640/8€935€633▼
Gross operating margin9900€142k€69k▼
Operating profit (loss)9901€136k€48k▼
Financial income75/76B€16€294▲
Recurring financial income75€16€294▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€132k€45k▼
Income taxes67/77€29k€11k▼
Profit (loss) for the period9904€103k€34k▼
Profit (loss) for the period to be appropriated9905€103k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€34k▼
Transfer from equity791/2-€206k
Transfer to equity691/2€103k€34k▼
To other reserves6921€103k€34k▼
Profit to be distributed694/7€0€206k▲
Return on contributions (dividend)694€0€206k▲
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2022net €103k ▲8.5%
Operating result €136k, net result €103k, both a record.
31-12
Financial
Equity above €200kEq €211k ▲95.6%
3 profitable years in a row build equity to €211k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.15
Current ratio from 0.94 to 2.15.
31-12
Financial
Equity above €100kEq €108k ▲690%
2 profitable years in a row build equity to €108k.
09-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Beringen · 1 establishment unit since 2022
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.
Schansvijverstraat 793581 BeringenGround area
3,436 m²
Building footprint
102 m²
Parcel 71005C0372/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
QIKV
since 20222.326.465.321
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71005C0372/00D000 | Flanders | 3,436 m² | 1 · 102 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
6488LBE38D73L1UB4262
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 9,632 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
77222Rental and leasing activities
90201Performing arts by independent artists
90202Performing arts by artistic ensembles
90393Specialised image, lighting and sound technical services
90311Arts creation and performing arts activities
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.