QUERDE 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 €15k and a net result of €11k. Equity is growing by ~43.3% per year across the filed fiscal years. Its solvency ranks better than 15% of 7994 sector peers (fiscal year 2025). The company has been active since 2008 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7994 sector peers (2025).
NBB · sector comparisonPosition among 7994 sector peers
Solvency
better than 15%
← weakest
strongest →
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 19-12-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
39 d early
2023
47 d early
2022
42 d early
2021
42 d early
2020
40 d early
2019
39 d early
← before the deadline
after the deadline →
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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 348%
2024 · €3k
2019: €-29k
2020: €-20k
2021: €3k
2022: €2k
2023: €-19k
2024: €3k
2019 → 2025
Net result
€11k▼ 49.4%
2024 · €23k
2019: €8k
2020: €9k
2021: €23k
2022: €-1k
2023: €-21k
2024: €23k
2019 → 2025
Total assets
€175k▲ 81.3%
2024 · €97k
2019: €122k
2020: €134k
2021: €139k
2022: €116k
2023: €90k
2024: €97k
2019 → 2025
Solvency
8.4%▲ 5.0pp
2024 · 3.4%
2019: -23.6%
2020: -14.7%
2021: 2.1%
2022: 1.3%
2023: -21.5%
2024: 3.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€2k▼ 49.5%€-19k€3k€15k▲ 348%
Operating result€30k-€5k▼ 83.3%€-15k€28k€20k▼ 26.8%
Net result€23k-€-1k€-21k▼ 1,321%€23k€11k▼ 49.4%
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 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175k
Fixed assets
€103k▲ 56.0%
Current assets
€72k▲ 136%
Equity and liabilities €175k
Equity
€15k▲ 348%
Debt
€160k▲ 71.8%
The debt ratio falls from 96.6% to 91.6%. Equity and debt are higher.
Key figures and ratios
Solvency
8.4%▲
2024 · 3.4%
ROE
77.7%▼
2024 · 687.9%
ROA
6.6%▼
2024 · 23.5%
Debt
€160k▲
2024 · €93k
Debt ≤ 1 year
€118k▲
2024 · €34k
Debt > 1 year
€43k▼
2024 · €58k
Income taxes
€5k▲
2024 · €319
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€97k€175k▲
Fixed assets21/28€66k€103k▲
Tangible fixed assets22/27€66k€103k▲
Land and buildings22€56k€43k▼
Plant, machinery and equipment23€547€4k▲
Furniture and vehicles24€10k€56k▲
Current assets29/58€31k€72k▲
Amounts receivable within one year40/41€12k€29k▲
Trade receivables40€12k€26k▲
Other amounts receivable41€149€3k▲
Cash at bank and in hand54/58€15k€43k▲
Deferred charges and accrued income490/1€3k€333▼
Equity and liabilities
Total equity and liabilities10/49€97k€175k▲
Equity10/15€3k€15k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-15k€-4k▲
Amounts payable17/49€93k€160k▲
Amounts payable after more than one year17€58k€43k▼
Financial debts170/4€58k€43k▼
Amounts payable within one year42/48€34k€118k▲
Current portion of amounts payable after more than one year42€18k€16k▼
Trade debts44€4k€892▼
Suppliers440/4€4k€892▼
Taxes, remuneration and social security45€4k€12k▲
Taxes450/3€4k€12k▲
Other amounts payable47/48€8k€89k▲
Accrued charges and deferred income492/3€691-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€23k▲
Other operating charges640/8€4k€6k▲
Gross operating margin9900€52k€49k▼
Operating profit (loss)9901€28k€20k▼
Financial income75/76B€416-
Recurring financial income75€416-
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€23k€16k▼
Income taxes67/77€319€5k▲
Profit (loss) for the period9904€23k€11k▼
Profit (loss) for the period to be appropriated9905€23k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-4k▲
Profit (loss) brought forward from the previous period14P€-38k€-15k▲
The notes to these accounts (8 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
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €23k
Net result €23k after 2 loss-making years.
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity times 5current ratio 1.21
Current ratio from 0.23 to 1.21; short-term debt falls from €24k to €24k.
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
07-12
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
6 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, Malle · 1 establishment unit since 2008
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.
Lang Ossegoor 212390 MalleGround area
179 m²
Building footprint
178 m²
Volume, LiDAR
730 m³
Parcel 11049B0517/00K000, Flanders · tallest building 8.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Querde
since 20082.176.948.927
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049B0517/00K000 | Flanders | 179 m² | 1 · 178 m² | 8.2 m · 1 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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ZITA HOLDING
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VAL DE LYS
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Nexus Frontier
BE 1018.978.961
Brakel · Eq €15k
Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 6,343 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-2008
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
01700Crop and animal production, hunting and related service activities
02100Forestry and logging
02200Logging
02400Forestry and logging
43421Specialised construction activities
43992Specialised construction activities
51100Air transport
51210Air transport
52230Warehousing and support activities for transportation
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
81220Other building cleaning and industrial cleaning
81300Landscape service activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.