qipu
Activeqipu has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-17k) and a net result of €8k. Equity is shrinking by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
16
/ 100
Critical▼ -9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-72
Solvency33=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.26 against 0.23 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Six 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-50.7%
Return on assets
23.4%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 31545 sector peers (2025).
NBB · sector comparisonPosition among 31545 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-12-2025, 51 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
51 d early
2024
49 d early
2023
47 d early
2022
39 d early
2021
41 d early
2020
11 d early
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-17k▲ 31.6%
2024 · €-24k
2019: €6k
2020: €-4k
2021: €-12k
2022: €-18k
2023: €-21k
2024: €-24k
2019 → 2025
Total assets
€33k▼ 30.5%
2024 · €47k
2019: €17k
2020: €7k
2021: €1k
2022: €890
2023: €30k
2024: €47k
2019 → 2025
Net result
€8k
2024 · €-4k
2019: €3k
2020: €-10k
2021: €-8k
2022: €-6k
2023: €-3k
2024: €-4k
2019 → 2025
Working capital
€-37k▲ 33.6%
2024 · €-55k
2019: €5k
2020: €-5k
2021: €-12k
2022: €-18k
2023: €-42k
2024: €-55k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-12k-€-18k▼ 47.7%€-21k▼ 13.8%€-24k▼ 17.0%€-17k▲ 31.6%
Operating result€-7k-€-5k▲ 31.6%€-2k▲ 65.7%€-3k▼ 53.4%€8k
Net result€-8k-€-6k▲ 26.6%€-3k▲ 57.2%€-4k▼ 39.6%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8k after a loss of €3k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€20k▼ 35.1%
Current assets
€13k▼ 21.5%
Key figures and ratios
EBITDA
€23k▲
2024 · €8k
Cash flow
€22k▲
2024 · €7k
Solvency
-50.7%▲
2024 · -51.5%
Current ratio
0.26▲
2024 · 0.23
Quick ratio
0.26▲
2024 · 0.23
Debt / equity
-2.97▼
2024 · -2.94
ROE
-46.2%▼
2024 · 14.5%
ROA
23.4%▲
2024 · -7.5%
Interest coverage
508.26▲
2024 · 30.35
Debt
€49k▼
2024 · €71k
Debt ≤ 1 year
€49k▼
2024 · €71k
Income taxes
€646▲
2024 · €633
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€47k€33k▼
Fixed assets21/28€31k€20k▼
Tangible fixed assets22/27€31k€20k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€31k€17k▼
Current assets29/58€16k€13k▼
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€4k-
Other amounts receivable41€1k€4k▲
Cash at bank and in hand54/58€9k€6k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€47k€33k▼
Equity10/15€-24k€-17k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-30k€-23k▲
Amounts payable17/49€71k€49k▼
Amounts payable within one year42/48€71k€49k▼
Trade debts44€591€2k▲
Suppliers440/4€591€2k▲
Taxes, remuneration and social security45€23€2▼
Taxes450/3€23€2▼
Other amounts payable47/48€70k€47k▼
Accrued charges and deferred income492/3€64€66▲
Income statement
Code20242025
Non-recurring operating income76A-€869
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€14k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€10k€24k▲
Operating profit (loss)9901€-3k€8k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€255€45▼
Recurring financial charges65€255€45▼
Profit (loss) for the period before taxes9903€-3k€8k▲
Income taxes67/77€633€646▲
Profit (loss) for the period9904€-4k€8k▲
Profit (loss) for the period to be appropriated9905€-4k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-23k▲
Profit (loss) brought forward from the previous period14P€-27k€-30k▼
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
2025
11-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €8k
Net result €8k after 5 loss-making years.
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
20-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-10k ▼415%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Destelbergen · 1 establishment unit since 2015
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.
Ter Ramenlaan 69070 DestelbergenGround area
823 m²
Building footprint
143 m²
Volume, LiDAR
1,087 m³
Parcel 44013A0514/00N003, Flanders · tallest building 25.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
qipu
since 20152.246.425.671
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013A0514/00N003 | Flanders | 823 m² | 1 · 143 m² | 25.8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 509 EUR awarded · 509 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 509 EUR | 509 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 16,869 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2015
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.