QUIPU
ActiveQUIPU has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €309k and a net result of €-58k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 50% of 16906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-71
Solvency98▼-1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 4.77 against 4.73 in 2024), and 39.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Sector 62
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
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
28 d early
2023
34 d early
2022
41 d early
2021
52 d early
2020
58 d early
2019
49 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€309k▼ 15.8%
2024 · €366k
2018: €215k
2019: €237k
2020: €248k
2021: €295k
2022: €330k
2023: €337k
2024: €366k
2018 → 2025
Total assets
€513k▼ 15.1%
2024 · €604k
2018: €517k
2019: €529k
2020: €560k
2021: €574k
2022: €576k
2023: €604k
2024: €604k
2018 → 2025
Net result
€-58k
2024 · €52k
2018: €28k
2019: €22k
2020: €11k
2021: €47k
2022: €35k
2023: €35k
2024: €52k
2018 → 2025
Working capital
€190k▼ 20.9%
2024 · €241k
2018: €215k
2019: €195k
2020: €112k
2021: €166k
2022: €209k
2023: €213k
2024: €241k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€295k-€330k▲ 11.9%€337k▲ 2.0%€366k▲ 8.9%€309k▼ 15.8%
Operating result€71k-€51k▼ 27.8%€49k▼ 4.8%€70k▲ 43.4%€-61k
Net result€47k-€35k▼ 24.8%€35k▼ 1.8%€52k▲ 50.0%€-58k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €61k after €70k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €513k
Fixed assets
€272k▼ 8.9%
Current assets
€241k▼ 21.1%
Equity and liabilities €513k
Equity
€309k▼ 15.8%
Debt
€205k▼ 14.1%
The debt ratio rises from 39.4% to 39.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-34k▼
2024 · €96k
Cash flow
€-31k▼
2024 · €78k
Solvency
60.2%▼
2024 · 60.6%
Current ratio
4.77▲
2024 · 4.73
Quick ratio
4.77▲
2024 · 4.73
Debt / equity
0.66▲
2024 · 0.65
ROE
-18.7%▼
2024 · 14.1%
ROA
-11.2%▼
2024 · 8.6%
Interest coverage
-3.41▼
2024 · 13.82
Debt
€205k▼
2024 · €238k
Debt ≤ 1 year
€50k▼
2024 · €65k
Debt > 1 year
€154k▼
2024 · €173k
Income taxes
€147▼
2024 · €21k
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€604k€513k▼
Fixed assets21/28€299k€272k▼
Tangible fixed assets22/27€299k€272k▼
Land and buildings22€282k€258k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€14k€11k▼
Current assets29/58€305k€241k▼
Amounts receivable after more than one year29€26k€3k▼
Other amounts receivable291€26k€3k▼
Amounts receivable within one year40/41€24k€2k▼
Trade receivables40€23k€2k▼
Other amounts receivable41€1k€112▼
Current investments50/53€199k€162k▼
Cash at bank and in hand54/58€54k€73k▲
Deferred charges and accrued income490/1€2k€308▼
Equity and liabilities
Total equity and liabilities10/49€604k€513k▼
Equity10/15€366k€309k▼
Contributions10/11€12k€12k=
Reserves13€354k€354k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€352k€352k=
Profit (loss) carried forward14-€-58k
Amounts payable17/49€238k€205k▼
Amounts payable after more than one year17€173k€154k▼
Financial debts170/4€173k€154k▼
Amounts payable within one year42/48€65k€50k▼
Current portion of amounts payable after more than one year42€18k€19k▲
Trade debts44€7k€216▼
Suppliers440/4€7k€216▼
Taxes, remuneration and social security45€16k€7k▼
Taxes450/3€16k€7k▼
Other amounts payable47/48€24k€24k▲
Accrued charges and deferred income492/3€540€0▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€27k▲
Other operating charges640/8€3k€6k▲
Gross operating margin9900€99k€-28k▼
Operating profit (loss)9901€70k€-61k▼
Financial income75/76B€10k€13k▲
Recurring financial income75€10k€13k▲
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€73k€-58k▼
Income taxes67/77€21k€147▼
Profit (loss) for the period9904€52k€-58k▼
Profit (loss) for the period to be appropriated9905€52k€-58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€-58k▼
Transfer from equity791/2€22k€0▼
Transfer to equity691/2€52k€0▼
To other reserves6921€52k€0▼
Profit to be distributed694/7€22k€0▼
Return on contributions (dividend)694€22k€0▼
The notes to these accounts (10 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €-58k ▼211%
Net result drops to €-58k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €52k ▲50%
Net result €52k, the highest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
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.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
26-04-2023
Resigned as Manager
Location & real-estate footprint
Registered office, Huldenberg · 1 establishment unit since 1997
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.
Hoevestraat(OTT) 433040 HuldenbergGround area
2,056 m²
Building footprint
158 m²
Volume, LiDAR
1,030 m³
Parcel 24085A0097/00H000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hoevestraat(OTT) 43, 3040 Huldenberg
since 19972.060.531.903
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24085A0097/00H000 | Flanders | 2,056 m² | 1 · 158 m² | 11.0 m · 2 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.
Similar companies · same sector, comparable size
EQUANUM
BE 0651.679.454
Brussel · Eq €309k
DRASTIC MINDS
BE 0820.741.942
Antwerpen · Eq €309k
P.I. DEVELOPMENT
BE 0466.466.961
Herk-de-Stad · Eq €309k
PULSAR - IT
BE 0478.561.772
Brussel · Eq €309k
Brainz4
BE 0668.994.548
Lebbeke · Eq €309k
Of 16,811 companies in sector 62100 we hold annual accounts for 8,748. 6,112 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-1993
Fiscal year end31-12
Trade name NL
KRULLEBOL
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
72220
46497Wholesale trade
47640Retail sale of games and toys
47650Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.