QL Invest
ActiveQL Invest 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 €566k and a net result of €30k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 68% of 5491 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. 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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
35 d late
2023
20 d early
2022
25 d late
2021
31 d late
2020
59 d late
2019
68 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€566k▲ 5.6%
2024 · €536k
2018: €403k
2019: €447k
2020: €477k
2021: €495k
2022: €499k
2023: €497k
2024: €536k
2018 → 2025
Net result
€30k▼ 23.4%
2024 · €39k
2018: €14k
2019: €44k
2020: €30k
2021: €18k
2022: €3k
2023: €-1k
2024: €39k
2018 → 2025
Total assets
€799k▲ 1.0%
2024 · €790k
2018: €626k
2019: €586k
2020: €732k
2021: €715k
2022: €792k
2023: €773k
2024: €790k
2018 → 2025
Solvency
70.9%▲ 3.0pp
2024 · 67.9%
2018: 64.4%
2019: 76.3%
2020: 65.2%
2021: 69.2%
2022: 62.9%
2023: 64.3%
2024: 67.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€495k-€499k▲ 0.7%€497k▼ 0.3%€536k▲ 7.9%€566k▲ 5.6%
Operating result€7k-€-36k€-37k▼ 0.7%€-13k▲ 64.2%€-10k▲ 25.3%
Net result€18k-€3k▼ 82.2%€-1k€39k€30k▼ 23.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €13k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €799k
Fixed assets
€272k▲ 2.1%
Current assets
€527k▲ 0.5%
Equity and liabilities €799k
Equity
€566k▲ 5.6%
Debt
€232k▼ 8.5%
The debt ratio falls from 32.1% to 29.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
70.9%▲
2024 · 67.9%
ROE
5.3%▼
2024 · 7.3%
ROA
3.8%▼
2024 · 5.0%
Debt
€232k▼
2024 · €254k
Debt ≤ 1 year
€32k▼
2024 · €38k
Debt > 1 year
€198k▼
2024 · €215k
Income taxes
€3k▼
2024 · €4k
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€790k€799k▲
Fixed assets21/28€266k€272k▲
Tangible fixed assets22/27€15k€21k▲
Land and buildings22€13k€12k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24-€7k
Financial fixed assets28€251k€251k=
Current assets29/58€524k€527k▲
Amounts receivable after more than one year29€295k€290k▼
Trade receivables290€295k€290k▼
Amounts receivable within one year40/41€24k€19k▼
Trade receivables40€10k€10k=
Other amounts receivable41€14k€9k▼
Current investments50/53€193k€193k=
Cash at bank and in hand54/58€10k€23k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€790k€799k▲
Equity10/15€536k€566k▲
Contributions10/11€13k€13k=
Reserves13€524k€554k▲
Non-distributable reserves130/1€195k€195k=
Reserves not available under the articles1311€195k€195k=
Distributable reserves133€329k€359k▲
Profit (loss) carried forward14€157€157=
Amounts payable17/49€254k€232k▼
Amounts payable after more than one year17€215k€198k▼
Financial debts170/4€215k€198k▼
Amounts payable within one year42/48€38k€32k▼
Current portion of amounts payable after more than one year42€19k€17k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€6k€10k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€9k€1k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€5k▲
Gross operating margin9900€-11k€-3k▲
Operating profit (loss)9901€-13k€-10k▲
Financial income75/76B€63k€49k▼
Recurring financial income75€63k€49k▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€43k€33k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€39k€30k▼
Profit (loss) for the period to be appropriated9905€39k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€30k▼
Profit (loss) brought forward from the previous period14P€157€157=
Transfer from equity791/2€0-
Transfer to equity691/2€39k€30k▼
To other reserves6921€39k€30k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (18 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 35 days late
2024
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
31-12
Financial
Equity above €500kEq €536k ▲7.9%
Equity rises from €497k to €536k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-1k ▼143%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 5.53
Current ratio from 2.21 to 5.53; short-term debt falls from €206k to €48k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 59 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
31-12
Financial
Highest result since 2018net €44k ▲219%
Operating result €48k, net result €44k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.51
Current ratio from 2.02 to 4.51; short-term debt falls from €102k to €53k.
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 54 days late
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Staden · 1 establishment unit since 2007
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.
Hogestraat(STA) 18840 StadenGround area
4,978 m²
Building footprint
298 m²
Parcel 36019E1374/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
QL Invest
since 20072.162.420.802
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36019E1374/00F000 | Flanders | 4,978 m² | 1 · 297 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.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,492 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2007
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:frederick@quickletter.be