Summary
QUINTEX 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 €47k and a net result of €26k. Its solvency ranks better than 22% of 2435 sector peers (fiscal year 2025). The company has been active since 2024 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 2435 sector peers (2025).
NBB · sector comparisonPosition among 2435 sector peers
Solvency
better than 22%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 2 filingsDeviation from the deadline
2025
4 d late
2024
171 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 124%
2024 · €21k
2024: €21k
2024 → 2025
Net result
€26k▲ 45.3%
2024 · €18k
2024: €18k
2024 → 2025
Total assets
€298k▲ 255%
2024 · €84k
2024: €84k
2024 → 2025
Solvency
15.6%▼ 9.1pp
2024 · 24.7%
2024: 24.7%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€21k-€47k▲ 124%
Operating result€25k-€12k▼ 54.2%
Net result€18k-€26k▲ 45.3%
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 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €298k
Fixed assets
€248k ▲ 352%
Current assets
€51k ▲ 73.0%
Equity and liabilities €298k
Equity
€47k ▲ 124%
Debt
€252k ▲ 297%
Debt's share of the balance-sheet total rises from 75.3% to 84.4%. Equity and debt are higher.
Key figures and ratios
ROE
55.4%▼
2024 · 85.6%
ROA
8.7%▼
2024 · 21.1%
Debt ≤ 1 year
€250k▲
2024 · €62k
Income taxes
€6k▼
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€84k€298k▲
Fixed assets21/28€55k€248k▲
Tangible fixed assets22/27€55k€43k▼
Furniture and vehicles24€55k€43k▼
Financial fixed assets28-€204k
Current assets29/58€29k€51k▲
Amounts receivable within one year40/41€6k€9k▲
Trade receivables40€6k€5k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€23k€42k▲
Deferred charges and accrued income490/1€786€357▼
Equity and liabilities
Total equity and liabilities10/49€84k€298k▲
Equity10/15€21k€47k▲
Contributions10/11€3k€3k=
Reserves13€18k€44k▲
Distributable reserves133€18k€44k▲
Amounts payable17/49€63k€252k▲
Amounts payable within one year42/48€62k€250k▲
Trade debts44€763€117▼
Suppliers440/4€763€117▼
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Other amounts payable47/48€53k€242k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€20k▲
Other operating charges640/8€563€1k▲
Gross operating margin9900€40k€32k▼
Operating profit (loss)9901€25k€12k▼
Financial income75/76B-€21k
Recurring financial income75-€21k
Financial charges65/66B€15€42▲
Recurring financial charges65€15€42▲
Profit (loss) for the period before taxes9903€25k€32k▲
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€18k€26k▲
Profit (loss) for the period to be appropriated9905€18k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€26k▲
Transfer to equity691/2€18k€26k▲
To other reserves6921€18k€26k▲
The notes to these accounts (7 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
10-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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
Directors
1 act for this company is 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, Attert · 1 establishment unit since 2024
Ground area
742 m²
Building footprint
110 m²
Volume, LiDAR
832 m³
Parcel 81016A1535/00E000, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Route de l'Ermitage,Heinstert 359, 6717 Attert
since 20242.364.211.088
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81016A1535/00E000 | Wallonia | 742 m² | 1 · 110 m² | 9.3 m · 3 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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Of 853 companies in sector 66210 we hold annual accounts for 511. 395 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2024
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.