QUICK KREDIET
ActiveQUICK KREDIET 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 €4.34M and a net result of €333k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 88% of 2410 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.
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 30-08-2026, 30 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
30 d late
2024
31 d late
2023
30 d late
2022
29 d late
2021
27 d late
2020
30 d late
2019
31 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
€4.34M▼ 2.3%
2024 · €4.44M
2018: €2.58M
2019: €2.90M
2020: €3.06M
2021: €3.24M
2022: €3.70M
2023: €4.15M
2024: €4.44M
2018 → 2025
Net result
€333k▲ 14.4%
2024 · €291k
2018: €436k
2019: €317k
2020: €162k
2021: €174k
2022: €458k
2023: €447k
2024: €291k
2018 → 2025
Total assets
€4.82M▲ 7.4%
2024 · €4.49M
2018: €2.82M
2019: €3.17M
2020: €3.24M
2021: €3.26M
2022: €3.79M
2023: €4.21M
2024: €4.49M
2018 → 2025
Solvency
90.0%▼ 9.0pp
2024 · 98.9%
2018: 91.7%
2019: 91.6%
2020: 94.7%
2021: 99.6%
2022: 97.7%
2023: 98.7%
2024: 98.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.24M-€3.70M▲ 14.1%€4.15M▲ 12.1%€4.44M▲ 7.0%€4.34M▼ 2.3%
Operating result€297k-€602k▲ 103%€653k▲ 8.5%€431k▼ 34.0%€410k▼ 4.8%
Net result€174k-€458k▲ 164%€447k▼ 2.4%€291k▼ 35.0%€333k▲ 14.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.82M
Fixed assets
€948k▼ 3.4%
Current assets
€3.87M▲ 10.5%
Equity and liabilities €4.82M
Equity
€4.34M▼ 2.3%
Debt
€484k▲ 919%
The debt ratio rises from 1.1% to 10.0%: debt grows while equity shrinks.
Key figures and ratios
Solvency
90.0%▼
2024 · 98.9%
ROE
7.7%▲
2024 · 6.5%
ROA
6.9%▲
2024 · 6.5%
Debt
€484k▲
2024 · €47k
Debt ≤ 1 year
€484k▲
2024 · €47k
Income taxes
€198k▲
2024 · €188k
Staff costs
€392k▲
2024 · €336k
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€4.49M€4.82M▲
Fixed assets21/28€981k€948k▼
Tangible fixed assets22/27€981k€948k▼
Land and buildings22€875k€870k▼
Plant, machinery and equipment23€15k€14k▼
Furniture and vehicles24€92k€64k▼
Current assets29/58€3.51M€3.87M▲
Amounts receivable within one year40/41€659k€807k▲
Trade receivables40€8k€8k=
Other amounts receivable41€651k€799k▲
Current investments50/53€2.47M€2.47M=
Cash at bank and in hand54/58€374k€593k▲
Equity and liabilities
Total equity and liabilities10/49€4.49M€4.82M▲
Equity10/15€4.44M€4.34M▼
Contributions10/11€20k€20k=
Reserves13€4.42M€4.32M▼
Distributable reserves133€4.42M€4.32M▼
Amounts payable17/49€47k€484k▲
Amounts payable within one year42/48€47k€484k▲
Trade debts44€11k€3k▼
Suppliers440/4€11k€3k▼
Taxes, remuneration and social security45€36k€46k▲
Remuneration and social security454/9€36k€46k▲
Other amounts payable47/48-€435k
Income statement
Code20242025
Remuneration, social security and pensions62€336k€392k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€106k€118k▲
Other operating charges640/8€13k€20k▲
Gross operating margin9900€886k€939k▲
Operating profit (loss)9901€431k€410k▼
Financial income75/76B€49k€122k▲
Recurring financial income75€49k€122k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€479k€530k▲
Income taxes67/77€188k€198k▲
Profit (loss) for the period9904€291k€333k▲
Profit (loss) for the period to be appropriated9905€291k€333k▲
Appropriation of the result
Profit (loss) to be appropriated9906€291k€333k▲
Transfer from equity791/2-€435k
Transfer to equity691/2€291k€333k▲
To other reserves6921€291k€333k▲
Profit to be distributed694/7-€435k
Return on contributions (dividend)694-€435k
The notes to these accounts (5 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €458k ▲164%
Net result €458k, the highest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
31-12
Financial
Liquidity times 14current ratio 179.35
Current ratio from 13.16 to 179.35; short-term debt falls from €172k to €13k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €162k ▼49%
Net result drops to €162k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2017
31-07
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
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, Keerbergen · 2 establishment units since 1996
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.
Vijfstraten 83140 KeerbergenGround area
6,817 m²
Building footprint
506 m²
Volume, LiDAR
3,818 m³
2 parcels, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Vijfstraten 8, 3140 Keerbergen
since 19962.040.714.803
Veemarkt 37, 2800 Mechelen
since 20112.278.477.639
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472F0287/00D000 | Flanders | 6,493 m² | 1 · 255 m² | 6.0 m · 1 fl. |
| 12025B0331/00V002 | Flanders | 324 m² | 1 · 252 m² | 14.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 1,506 companies in sector 66199 we hold annual accounts for 912. 306 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-1988
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 37 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.