QUERCUS CONSULTANCY
ActiveQUERCUS CONSULTANCY has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €243k and a net result of €28k. Equity is growing by ~22.5% per year across the filed fiscal years. Its solvency ranks better than 60% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-6
Solvency71▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.68 against 0.37 in 2024), and 33.9% 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○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 →
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
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
66.1%
Return on assets
7.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
29 d late
2023
27 d late
2022
28 d late
2021
24 d late
2020
30 d late
2019
28 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, micro schema
Equity
€243k▲ 13.2%
2024 · €215k
2018: €37k
2019: €65k
2020: €83k
2021: €111k
2022: €154k
2023: €187k
2024: €215k
2018 → 2025
Total assets
€368k▲ 6.9%
2024 · €344k
2018: €236k
2019: €231k
2020: €224k
2021: €219k
2022: €269k
2023: €339k
2024: €344k
2018 → 2025
Net result
€28k▲ 2.8%
2024 · €27k
2018: €27k
2019: €28k
2020: €18k
2021: €28k
2022: €43k
2023: €34k
2024: €27k
2018 → 2025
Working capital
€-39k▲ 51.4%
2024 · €-81k
2018: €-49k
2019: €-39k
2020: €-47k
2021: €-51k
2022: €-37k
2023: €-112k
2024: €-81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€154k▲ 38.8%€187k▲ 21.8%€215k▲ 14.7%€243k▲ 13.2%
Operating result€45k-€70k▲ 56.3%€57k▼ 17.9%€52k▼ 9.3%€53k▲ 1.4%
Net result€28k-€43k▲ 55.0%€34k▼ 21.9%€27k▼ 18.2%€28k▲ 2.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€283k▼ 4.5%
Current assets
€85k▲ 77.2%
Equity and liabilities €368k
Equity
€243k▲ 13.2%
Debt
€125k▼ 3.6%
The debt ratio falls from 37.5% to 33.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€66k▲
2024 · €65k
Cash flow
€42k▲
2024 · €41k
Solvency
66.1%▲
2024 · 62.5%
Current ratio
0.68▲
2024 · 0.37
Quick ratio
0.68▲
2024 · 0.37
Debt / equity
0.51▼
2024 · 0.60
ROE
11.6%▼
2024 · 12.8%
ROA
7.7%▼
2024 · 8.0%
Interest coverage
6.45▲
2024 · 6.36
Debt
€125k▼
2024 · €129k
Debt ≤ 1 year
€125k▼
2024 · €129k
Income taxes
€14k▼
2024 · €14k
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€344k€368k▲
Fixed assets21/28€296k€283k▼
Tangible fixed assets22/27€295k€282k▼
Land and buildings22€281k€271k▼
Furniture and vehicles24€14k€10k▼
Financial fixed assets28€769€769=
Current assets29/58€48k€85k▲
Amounts receivable within one year40/41€9k€49k▲
Trade receivables40€9k€48k▲
Other amounts receivable41€592€685▲
Current investments50/53€13€13=
Cash at bank and in hand54/58€38k€35k▼
Deferred charges and accrued income490/1€549€1k▲
Equity and liabilities
Total equity and liabilities10/49€344k€368k▲
Equity10/15€215k€243k▲
Contributions10/11€19k€19k=
Reserves13€152k€180k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€150k€178k▲
Profit (loss) carried forward14€44k€44k=
Amounts payable17/49€129k€125k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€129k€125k▼
Current portion of amounts payable after more than one year42€18k€9k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Advances received on contracts in progress46€85€341▲
Taxes, remuneration and social security45€13k€9k▼
Taxes450/3€13k€9k▼
Other amounts payable47/48€97k€102k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€11k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€989€1k▲
Gross operating margin9900€66k€67k▲
Operating profit (loss)9901€52k€53k▲
Financial income75/76B-€4
Recurring financial income75-€4
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€42k€42k▲
Income taxes67/77€14k€14k▼
Profit (loss) for the period9904€27k€28k▲
Profit (loss) for the period to be appropriated9905€27k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€72k€73k▲
Profit (loss) brought forward from the previous period14P€44k€44k=
Transfer to equity691/2€27k€28k▲
To other reserves6921€27k€28k▲
The notes to these accounts (14 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €200kEq €215k ▲14.7%
7 profitable years in a row build equity to €215k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Highest result since 2018net €43k ▲55%
Operating result €70k, net result €43k, both a record.
31-12
Financial
Equity above €150kEq €154k ▲38.8%
5 profitable years in a row build equity to €154k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €100kEq €111k ▲33.4%
4 profitable years in a row build equity to €111k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €18k ▼35.7%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 62 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 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, Kapellen
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.
Antwerpsesteenweg 2712950 KapellenGround area
1.4 ha
Building footprint
1,543 m²
Volume, LiDAR
22,451 m³
Parcel 11362M0116/00A006, Flanders · tallest building 22.1 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362M0116/00A006 | Flanders | 1.4 ha | 1 · 1,543 m² | 22.1 m · 5 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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D & D FACILITIES
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 38,902 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-07-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.