QUERCUS 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 €728k and a net result of €148k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 8006 sector peers (fiscal year 2025). The company has been active since 2007 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
14 d early
2023
9 d early
2022
16 d late
2021
29 d late
2020
25 d late
2019
19 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€728k▲ 11.5%
2024 · €653k
2018: €182k
2019: €189k
2020: €286k
2021: €248k
2022: €328k
2023: €446k
2024: €653k
2018 → 2025
Net result
€148k▼ 28.5%
2024 · €207k
2018: €70k
2019: €73k
2020: €97k
2021: €65k
2022: €123k
2023: €118k
2024: €207k
2018 → 2025
Total assets
€969k▲ 3.7%
2024 · €934k
2018: €286k
2019: €287k
2020: €373k
2021: €319k
2022: €436k
2023: €632k
2024: €934k
2018 → 2025
Solvency
75.2%▲ 5.3pp
2024 · 69.9%
2018: 63.5%
2019: 66.1%
2020: 76.6%
2021: 77.7%
2022: 75.2%
2023: 70.6%
2024: 69.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€248k-€328k▲ 32.1%€446k▲ 36.1%€653k▲ 46.3%€728k▲ 11.5%
Operating result€91k-€172k▲ 89.1%€172k=€305k▲ 77.5%€216k▼ 29.1%
Net result€65k-€123k▲ 89.7%€118k▼ 3.4%€207k▲ 74.7%€148k▼ 28.5%
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 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €969k
Fixed assets
€384k▼ 2.0%
Current assets
€584k▲ 7.8%
Equity and liabilities €969k
Equity
€728k▲ 11.5%
Debt
€241k▼ 14.5%
The debt ratio falls from 30.1% to 24.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
75.2%▲
2024 · 69.9%
ROE
20.3%▼
2024 · 31.7%
ROA
15.3%▼
2024 · 22.1%
Debt
€241k▼
2024 · €282k
Debt ≤ 1 year
€93k▼
2024 · €115k
Debt > 1 year
€148k▼
2024 · €167k
Income taxes
€68k▼
2024 · €97k
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€934k€969k▲
Fixed assets21/28€392k€384k▼
Tangible fixed assets22/27€392k€384k▼
Land and buildings22€378k€369k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€12k€14k▲
Other tangible fixed assets26€808-
Current assets29/58€542k€584k▲
Amounts receivable within one year40/41€139k€97k▼
Trade receivables40€70k€43k▼
Other amounts receivable41€69k€54k▼
Cash at bank and in hand54/58€398k€484k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€934k€969k▲
Equity10/15€653k€728k▲
Contributions10/11€12k€12k=
Reserves13€640k€716k▲
Distributable reserves133€640k€716k▲
Amounts payable17/49€282k€241k▼
Amounts payable after more than one year17€167k€148k▼
Financial debts170/4€167k€148k▼
Amounts payable within one year42/48€115k€93k▼
Current portion of amounts payable after more than one year42€11k€10k▼
Trade debts44€6k€20k▲
Suppliers440/4€6k€20k▲
Taxes, remuneration and social security45€98k€63k▼
Taxes450/3€98k€63k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€17k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€353k€236k▼
Operating profit (loss)9901€305k€216k▼
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€303k€216k▼
Income taxes67/77€97k€68k▼
Profit (loss) for the period9904€207k€148k▼
Profit (loss) for the period to be appropriated9905€207k€148k▼
Appropriation of the result
Profit (loss) to be appropriated9906€207k€148k▼
Transfer from equity791/2-€73k
Transfer to equity691/2€207k€148k▼
To other reserves6921€207k€148k▼
Profit to be distributed694/7-€73k
Return on contributions (dividend)694-€73k
The notes to these accounts (9 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €207k ▲74.7%
Operating result €305k, net result €207k, both a record.
31-12
Financial
Equity above €500kEq €653k ▲46.3%
7 profitable years in a row build equity to €653k.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €65k ▼33.1%
Net result drops to €65k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Equity above €200kEq €286k ▲51%
3 profitable years in a row build equity to €286k.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
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, Dilbeek · 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.
Geraardsbergsestraat 1081703 DilbeekGround area
600 m²
Building footprint
136 m²
Parcel 23070A0094/00E002, Flanders. Linked by address, not a title deed.
1 establishment unit
QUERCUS
since 20072.158.864.761
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23070A0094/00E002 | Flanders | 600 m² | 1 · 136 m² | 0.0 m |
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
875500I05D9O70W17Z68
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,281 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2007
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.