Qube 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 €2.74M and a net result of €36k. Equity is growing by ~81.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 1469 sector peers (fiscal year 2025). The company has been active since 2011 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
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 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
3 d late
2020
29 d early
2019
on the day
2018
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close18-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.74M▲ 0.9%
2024 · €2.72M
2018: €71k
2019: €129k
2020: €258k
2022: €1.78M
2023: €1.74M
2024: €2.72M
2018 → 2025
Net result
€36k▼ 96.3%
2024 · €982k
2018: €13k
2019: €58k
2020: €128k
2022: €1.53M
2023: €7k
2024: €982k
2018 → 2025
Total assets
€2.94M▼ 1.7%
2024 · €2.99M
2018: €973k
2019: €1.07M
2020: €1.08M
2022: €2.60M
2023: €1.77M
2024: €2.99M
2018 → 2025
Solvency
93.3%▲ 2.4pp
2024 · 90.9%
2018: 7.3%
2019: 12.1%
2020: 23.8%
2022: 68.6%
2023: 98.3%
2024: 90.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€258k-€1.78M▲ 592%€1.74M▼ 2.6%€2.72M▲ 56.4%€2.74M▲ 0.9%
Operating result€205k-€115k▼ 44.3%€32k▼ 72.1%€43k▲ 35.0%€43k▼ 0.8%
Net result€128k-€1.53M▲ 1,088%€7k▼ 99.6%€982k▲ 14,687%€36k▼ 96.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.94M
Fixed assets
€1.38M▲ 9.0%
Current assets
€1.56M▼ 9.6%
Equity and liabilities €2.94M
Equity
€2.74M▲ 0.9%
Debt
€196k▼ 27.7%
The debt ratio falls from 9.1% to 6.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
93.3%▲
2024 · 90.9%
ROE
1.3%▼
2024 · 36.1%
ROA
1.2%▼
2024 · 32.8%
Debt
€196k▼
2024 · €271k
Debt ≤ 1 year
€19k▼
2024 · €160k
Debt > 1 year
€160k▲
2024 · €98k
Income taxes
€15k▼
2024 · €112k
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€2.99M€2.94M▼
Fixed assets21/28€1.27M€1.38M▲
Tangible fixed assets22/27€430k€545k▲
Furniture and vehicles24€2k€8k▲
Other tangible fixed assets26€27k€500k▲
Assets under construction and advance payments27€401k€37k▼
Financial fixed assets28€835k€835k=
Current assets29/58€1.73M€1.56M▼
Amounts receivable after more than one year29€7k€0▼
Other amounts receivable291€7k€0▼
Amounts receivable within one year40/41€297k€308k▲
Trade receivables40€17k€21k▲
Other amounts receivable41€280k€287k▲
Current investments50/53€1.31M€1.21M▼
Cash at bank and in hand54/58€112k€37k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€2.99M€2.94M▼
Equity10/15€2.72M€2.74M▲
Contributions10/11€6k€6k=
Reserves13€2.71M€2.74M▲
Distributable reserves133€2.71M€2.74M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€271k€196k▼
Amounts payable after more than one year17€98k€160k▲
Financial debts170/4€98k€160k▲
Amounts payable within one year42/48€160k€19k▼
Current portion of amounts payable after more than one year42-€7k
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€92k€0▼
Taxes450/3€92k€0▼
Other amounts payable47/48€63k€5k▼
Accrued charges and deferred income492/3€13k€17k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€1k€926▼
Non-recurring operating charges66A€0-
Gross operating margin9900€46k€45k▼
Operating profit (loss)9901€43k€43k▼
Financial income75/76B€1.06M€23k▼
Recurring financial income75€3k€23k▲
Non-recurring financial income76B€1.05M€0▼
Financial charges65/66B€6k€15k▲
Recurring financial charges65€6k€15k▲
Profit (loss) for the period before taxes9903€1.09M€51k▼
Income taxes67/77€112k€15k▼
Profit (loss) for the period9904€982k€36k▼
Profit (loss) for the period to be appropriated9905€982k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€982k€36k▼
Transfer from equity791/2€0€13k▲
Transfer to equity691/2€982k€36k▼
To other reserves6921€982k€36k▼
Profit to be distributed694/7€0€13k▲
Return on contributions (dividend)694€0€13k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (19 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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Liquidity times 8current ratio 82.84
Current ratio from 10.80 to 82.84; short-term debt falls from €160k to €19k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
17-07
State Gazette act
Power of attorney
31-03
Financial
Equity above €2MEq €2.72M ▲56.4%
6 profitable years in a row build equity to €2.72M.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Weakest financial yearnet €7k ▼99.6%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity times 7current ratio 91.17
Current ratio from 12.28 to 91.17; short-term debt falls from €211k to €18k.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
31-03
Financial
Highest result since 2018net €1.53M ▲1088%
Net result €1.53M, the highest in the series.
31-03
Financial
Liquidity times 16current ratio 12.28
Current ratio from 0.75 to 12.28.
31-03
Financial
Equity above €1MEq €1.78M ▲592%
4 profitable years in a row build equity to €1.78M.
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-11
Financial
Equity above €200kEq €258k ▲99.2%
3 profitable years in a row build equity to €258k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-11
Financial
Equity above €100kEq €129k ▲81.3%
2 profitable years in a row build equity to €129k.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
08-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Oosterzele · 1 establishment unit since 2020
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.
Hauwsestraat 629860 OosterzeleGround area
1,044 m²
Building footprint
267 m²
Volume, LiDAR
1,706 m³
Parcel 44059B0252/00F000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Qube
since 20202.299.368.667
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44059B0252/00F000 | Flanders | 1,044 m² | 1 · 267 m² | 9.2 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.
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 1,378 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2011
Fiscal year end31-03
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.