QUICK
ActiveQUICK has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €16k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 91% of 2449 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-8
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 3.46 against 2.37 in 2024), and 13.6% 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 · 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← 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
86.4%
Return on assets
14.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
3 d early
2023
34 d early
2022
30 d late
2021
24 d late
2020
4 d late
2019
36 d early
← 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€101k▲ 10.8%
2024 · €91k
2019: €60k
2020: €64k
2021: €66k
2022: €74k
2023: €75k
2024: €91k
2019 → 2025
Total assets
€117k▲ 11.4%
2024 · €105k
2019: €94k
2020: €93k
2021: €96k
2022: €96k
2023: €90k
2024: €105k
2019 → 2025
Net result
€16k▲ 1.4%
2024 · €16k
2019: €3k
2020: €4k
2021: €2k
2022: €8k
2023: €1k
2024: €16k
2019 → 2025
Working capital
€30k▲ 76.9%
2024 · €17k
2019: €-14k
2020: €-10k
2021: €-7k
2022: €-2k
2023: €-2k
2024: €17k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€74k▲ 11.4%€75k▲ 1.6%€91k▲ 21.7%€101k▲ 10.8%
Operating result€5k-€13k▲ 170%€3k▼ 75.7%€27k▲ 764%€25k▼ 4.6%
Net result€2k-€8k▲ 276%€1k▼ 84.0%€16k▲ 1,239%€16k▲ 1.4%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€75k▼ 1.2%
Current assets
€42k▲ 43.9%
Equity and liabilities €117k
Equity
€101k▲ 10.8%
Debt
€16k▲ 15.5%
The debt ratio rises from 13.1% to 13.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€26k▼
2024 · €28k
Cash flow
€17k▼
2024 · €18k
Solvency
86.4%▼
2024 · 86.9%
Current ratio
3.46▲
2024 · 2.37
Quick ratio
3.46▲
2024 · 2.37
Debt / equity
0.16▲
2024 · 0.15
ROE
16.3%▼
2024 · 17.8%
ROA
14.1%▼
2024 · 15.5%
Interest coverage
33.94▲
2024 · 27.41
Debt
€16k▲
2024 · €14k
Debt ≤ 1 year
€12k▼
2024 · €12k
Income taxes
€8k▼
2024 · €9k
Staff costs
€20k▼
2024 · €23k
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€105k€117k▲
Fixed assets21/28€76k€75k▼
Tangible fixed assets22/27€76k€75k▼
Land and buildings22€74k€74k=
Plant, machinery and equipment23€1k€940▼
Furniture and vehicles24€457-
Current assets29/58€29k€42k▲
Amounts receivable within one year40/41€8k€7k▼
Trade receivables40€2k€4k▲
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€19k€32k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€105k€117k▲
Equity10/15€91k€101k▲
Contributions10/11€19k€19k=
Reserves13€73k€83k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€71k€81k▲
Amounts payable17/49€14k€16k▲
Amounts payable within one year42/48€12k€12k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€4k€2k▼
Accrued charges and deferred income492/3€1k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€23k€20k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€880▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€53k€49k▼
Operating profit (loss)9901€27k€25k▼
Financial income75/76B€137€134▼
Recurring financial income75€137€134▼
Financial charges65/66B€1k€774▼
Recurring financial charges65€1k€774▼
Profit (loss) for the period before taxes9903€26k€25k▼
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€16k€16k▲
Profit (loss) for the period to be appropriated9905€16k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€16k▲
Transfer from equity791/2-€7k
Transfer to equity691/2€16k€16k▲
To other reserves6921€16k€16k▲
Profit to be distributed694/7-€7k
Return on contributions (dividend)694-€7k
The notes to these accounts (4 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €16k ▲1.4%
Net result €16k, the highest in the series.
31-12
Financial
Equity above €100kEq €101k ▲10.8%
7 profitable years in a row build equity to €101k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2.37
Current ratio from 0.89 to 2.37; short-term debt falls from €14k to €12k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €1k ▼84%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 7,341 companies in sector 95311 we hold annual accounts for 2,913. 2,300 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-03-1994
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.