QUIRITES
ActiveQUIRITES has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €124k and a net result of €-23k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 53% of 591 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability9▼-32
Solvency68▼-4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 1.97 in 2023; short-term debt: 54.6% and cash: 45.9% of total assets), but 56.9% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 79
Relative position
BE, all sectors
reference
Sector 79
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
43.1%
Return on assets
-8.1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
2 d early
2022
2 d early
2021
69 d late
2020
135 d late
2019
82 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€124k▼ 15.8%
2023 · €147k
2018: €55k
2019: €62k
2020: €81k
2021: €126k
2022: €143k
2023: €147k
2018 → 2024
Total assets
€287k▼ 8.2%
2023 · €313k
2018: €196k
2019: €198k
2020: €255k
2021: €237k
2022: €288k
2023: €313k
2018 → 2024
Net result
€-23k
2023 · €3k
2018: €-1k
2019: €7k
2020: €19k
2021: €45k
2022: €17k
2023: €3k
2018 → 2024
Working capital
€127k▼ 16.3%
2023 · €152k
2018: €59k
2019: €62k
2020: €74k
2021: €119k
2022: €137k
2023: €152k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€81k-€126k▲ 55.5%€143k▲ 13.8%€147k▲ 2.4%€124k▼ 15.8%
Operating result€19k-€49k▲ 151%€26k▼ 46.5%€9k▼ 66.2%€-21k
Net result€19k-€45k▲ 142%€17k▼ 61.4%€3k▼ 80.4%€-23k
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 2024: a loss of €21k after €9k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €287k
Fixed assets
€3k▼ 22.9%
Current assets
€284k▼ 8.0%
Equity and liabilities €287k
Equity
€124k▼ 15.8%
Debt
€163k▼ 1.5%
The debt ratio rises from 53.1% to 56.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-19k▼
2023 · €11k
Cash flow
€-22k▼
2023 · €5k
Solvency
43.1%▼
2023 · 46.9%
Current ratio
1.81▼
2023 · 1.97
Quick ratio
1.81▼
2023 · 1.97
Debt / equity
1.32▲
2023 · 1.13
ROE
-18.7%▼
2023 · 2.3%
ROA
-8.1%▼
2023 · 1.1%
Interest coverage
-6.23▼
2023 · 2.51
Debt
€163k▼
2023 · €166k
Debt ≤ 1 year
€157k=
2023 · €157k
Income taxes
€140▼
2023 · €1k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€313k€287k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€1k€842▼
Financial fixed assets28€435€435=
Current assets29/58€308k€284k▼
Amounts receivable after more than one year29€20k€20k▼
Other amounts receivable291€20k€20k▼
Amounts receivable within one year40/41€59k€45k▼
Trade receivables40€47k€27k▼
Other amounts receivable41€13k€18k▲
Cash at bank and in hand54/58€147k€132k▼
Deferred charges and accrued income490/1€82k€87k▲
Equity and liabilities
Total equity and liabilities10/49€313k€287k▼
Equity10/15€147k€124k▼
Contributions10/11€22k€22k=
Reserves13€125k€125k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€122k€122k=
Profit (loss) carried forward14-€-23k
Amounts payable17/49€166k€163k▼
Amounts payable within one year42/48€157k€157k=
Trade debts44€20k€2k▼
Suppliers440/4€20k€2k▼
Advances received on contracts in progress46€128k€152k▲
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€7k€2k▼
Other amounts payable47/48€1k€1k=
Accrued charges and deferred income492/3€9k€7k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€62€578▲
Non-recurring operating charges66A€857-
Gross operating margin9900€12k€-19k▼
Operating profit (loss)9901€9k€-21k▼
Financial income75/76B€268€710▲
Recurring financial income75€268€710▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€5k€-23k▼
Income taxes67/77€1k€140▼
Profit (loss) for the period9904€3k€-23k▼
Profit (loss) for the period to be appropriated9905€3k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-23k▼
Transfer to equity691/2€3k-
To other reserves6921€3k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-23k ▼780%
Net result drops to €-23k, the lowest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 69 days late
2021
31-12
Financial
Highest result since 2018net €45k ▲142%
Operating result €49k, net result €45k, both a record.
31-12
Financial
Equity above €100kEq €126k ▲55.5%
3 profitable years in a row build equity to €126k.
13-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 135 days late
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 82 days late
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Zonhoven · 1 establishment unit since 1993
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.
Heuveneindeweg 373520 ZonhovenGround area
318 m²
Building footprint
111 m²
Volume, LiDAR
720 m³
Parcel 71443E0918/00Y003, Flanders · tallest building 8.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Top Reizen
since 19932.062.897.218
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443E0918/00Y003 | Flanders | 318 m² | 1 · 111 m² | 8.6 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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BLUE SKY
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SEDONA TRAVEL
BE 0831.431.738
Kapellen · Eq €123k
JUPOTOURS
BE 0423.744.203
Tienen · Eq €124k
TOS
BE 0453.832.217
Lier · Eq €126k
Of 1,439 companies in sector 79110 we hold annual accounts for 880. 750 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-12-1992
Fiscal year end31-12
Activities, NACEBEL
79110Travel agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.