QUADRIGA CAR RETAIL
ActiveSummary
QUADRIGA CAR RETAIL has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.26M and a net result of €-101k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability25▲+25
Solvency73▼-12
Growth22=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €350k at 30 days acceptable
Liquidity ample (current ratio 1.95 against 2.88 in 2024; short-term debt: 50.5% and cash: 2.7% of total assets), but 51.8% of the assets are financed with debt.
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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
48.2%
Return on assets
-0.8%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-101k
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 09-12-2025, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
46 d early
2023
41 d early
2022
40 d early
2021
39 d early
2020
52 d early
2019
39 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 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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€62.77M▲ 4.5%
2024 · €60.06M
2019: €120.83M
2020: €109.23M
2021: €97.73M
2022: €112.91M
2023: €109.91M
2024: €60.06M
2019 → 2025
EBIT margin
0.3%▲ 7.0pp
2024 · -6.6%
2019: 3.7%
2020: 2.3%
2021: -0.1%
2022: 4.2%
2023: -0.4%
2024: -6.6%
2019 → 2025
Net result
€-101k▲ 97.8%
2024 · €-4.58M
2019: €2.85M
2020: €1.56M
2021: €-34k
2022: €3.63M
2023: €-1.17M
2024: €-4.58M
2019 → 2025
Working capital
€6.26M▼ 6.9%
2024 · €6.72M
2019: €10.89M
2020: €10.82M
2021: €11.16M
2022: €12.42M
2023: €10.67M
2024: €6.72M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€97.73M-€112.91M▲ 15.5%€109.91M▼ 2.7%€60.06M▼ 45.4%€62.77M▲ 4.5%
Equity€10.98M-€12.11M▲ 10.3%€10.95M▼ 9.6%€6.36M▼ 41.9%€6.26M▼ 1.6%
Operating result€-94k-€4.72M€-459k€-3.98M▼ 767%€208k
Net result€-34k-€3.63M€-1.17M€-4.58M▼ 292%€-101k▲ 97.8%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €208k after a loss of €3.98M in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €13.00M
Fixed assets
€170k ▼ 35.9%
Current assets
€12.83M ▲ 24.5%
Equity and liabilities €13.00M
Equity
€6.26M ▼ 1.6%
Debt
€6.74M ▲ 60.2%
Debt's share of the balance-sheet total rises from 39.8% to 51.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€303k▲
2024 · €-3.87M
Cash flow
€-6k▲
2024 · €-4.48M
Current ratio
1.95▼
2024 · 2.88
Quick ratio
0.49▼
2024 · 0.71
Debt to equity
1.08▲
2024 · 0.66
ROE
-1.6%▲
2024 · -72.0%
ROA
-0.8%▲
2024 · -43.4%
Interest coverage
1.00▲
2024 · -6.46
Debt ≤ 1 year
€6.57M▲
2024 · €3.58M
Income taxes
€1k▲
2024 · €1k
Staff costs
€123k▼
2024 · €268k
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 · 66 lines
Balance sheet
Code20242025
Assets
Total assets20/58€10.57M€13.00M▲
Fixed assets21/28€265k€170k▼
Tangible fixed assets22/27€264k€169k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€250k€166k▼
Other tangible fixed assets26€10k€1k▼
Financial fixed assets28€1k€1k=
Other financial fixed assets284/8€1k€1k=
Amounts receivable and cash guarantees285/8€1k€1k=
Current assets29/58€10.30M€12.83M▲
Stocks and contracts in progress3€7.75M€9.62M▲
Stocks30/36€7.75M€9.62M▲
Goods purchased for resale34€7.75M€9.62M▲
Amounts receivable within one year40/41€2.50M€1.70M▼
Trade receivables40€1.27M€1.30M▲
Other amounts receivable41€1.23M€402k▼
Cash at bank and in hand54/58€31k€346k▲
Deferred charges and accrued income490/1€26k€1.16M▲
Equity and liabilities
Total equity and liabilities10/49€10.57M€13.00M▲
Equity10/15€6.36M€6.26M▼
Contributions10/11€250k€250k=
Capital10€250k€250k=
Issued capital100€250k€250k=
Reserves13€6.11M€6.01M▼
Non-distributable reserves130/1€25k€25k=
Legal reserve130€25k€25k=
Distributable reserves133€6.09M€5.99M▼
Amounts payable17/49€4.20M€6.74M▲
Amounts payable within one year42/48€3.58M€6.57M▲
Financial debts43€3.37M€4.95M▲
Credit institutions430/8€3.37M€4.95M▲
Trade debts44€197k€1.60M▲
Suppliers440/4€197k€1.60M▲
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3-€1k
Remuneration and social security454/9€12k€12k▲
Accrued charges and deferred income492/3€624k€170k▼
Income statement
Code20242025
Operating income70/76A€60.09M€62.80M▲
Turnover70€60.06M€62.77M▲
Other operating income74€23k€32k▲
Non-recurring operating income76A€10k-
Operating charges60/66A€64.07M€62.59M▼
Goods for resale, raw materials and consumables60€61.34M€59.98M▼
Purchases600/8€47.55M€61.86M▲
Change in stocks: decrease (increase)609€13.79M€-1.87M▼
Services and other goods61€2.35M€2.37M▲
Remuneration, social security and pensions62€268k€123k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€107k€95k▼
Other operating charges640/8€7k€16k▲
Operating profit (loss)9901€-3.98M€208k▲
Financial income75/76B€7k-
Recurring financial income75€7k-
Other financial income752/9€7k-
Financial charges65/66B€611k€308k▼
Recurring financial charges65€611k€308k▼
Debt charges650€599k€304k▼
Other financial charges652/9€12k€4k▼
Profit (loss) for the period before taxes9903€-4.58M€-100k▲
Income taxes67/77€1k€1k▲
Taxes670/3€1k€1k▲
Profit (loss) for the period9904€-4.58M€-101k▲
Profit (loss) for the period to be appropriated9905€-4.58M€-101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4.58M€-101k▲
Transfer from equity791/2€4.58M€101k▼
From reserves792€4.58M€101k▼
Social balance
Average headcount (FTE)90871.91.8▼
The notes to these accounts (40 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
State Gazette act
Capital & shares · Statutes amendmentStatutes amendment · Power of attorney5 facts ▸
State Gazette act
Capital & shares · Statutes amendment
Statutes amendment · Power of attorney5 facts ▸
- General meeting, 20-08-2026
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Power of attorney, Raad van Bestuur
2025
09-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Weakest financial yearnet €-4.58M
Net result drops to €-4.58M, the lowest in the series; recovery starts the following year.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
30-06
Financial
Back to profitnet €3.63M
Net result €3.63M after one loss-making year.
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Liquidity triplescurrent ratio 10.26
Current ratio from 3.07 to 10.26; short-term debt falls from €5.23M to €1.20M.
2020
10-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
30-06
Financial
Liquidity doublescurrent ratio 3.07
Current ratio from 1.43 to 3.07; short-term debt falls from €25.24M to €5.23M.
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2018
14-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Aartselaar · 1 establishment unit since 2006
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.
Bist 122630 AartselaarGround area
2,197 m²
Building footprint
517 m²
Volume, LiDAR
4,428 m³
Parcel 11372A0333/00E000, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
QCR
since 20062.154.704.253
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11372A0333/00E000 | Flanders | 2,196 m² | 1 · 517 m² | 11.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300TO7LH2E1Q1UP22
Similar companies · same sector, comparable size
DEGROOTE TRUCKS & TRAILERS
BE 0415.584.325
Wingene · Eq €6.22M
PAESMANS
BE 0465.109.555
Hasselt · Eq €6.31M
ARDI AUTOMOBILE
BE 0897.985.022
Liège · Eq €6.33M
Vermant Antwerpen
BE 0425.149.614
Mechelen · Eq €6.12M
P. SCHYNS NAMUR- HUY
BE 0684.755.563
Namur · Eq €6.48M
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 263 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 formPublic limited company
Founded11-05-2006
Fiscal year end30-06
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.