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QWINTA'S

Active
Private limited companyfounded 20188 yrs activeLiersebaan 239, 2240 Zandhoven, BelgiumKBO/BCE: BE 0700.242.505
Summary

The computed 12-month bankruptcy probability of QWINTA'S is 1.7% (moderate). The 2025 annual accounts show equity of €30k and a net result of €9k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 57% of 13305 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
70 / 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-17
Solvency64▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 3.4 in 2024; short-term debt: 40.4% and cash: 71.9% of total assets), but 61.2% of the assets are financed with debt.
Credit check for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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 2025
Solvency, return and age of the figures
Solvency
38.8%
Return on assets
11.6%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 8 years 0 10 y
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 01-04-2026, 121 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
121 d early
2024
43 d early
2023
34 d early
2022
49 d early
2021
9 d late
2020
4 d early
2019
56 d late
← 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 months
Position in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover
€177k
EBIT margin
10.5%
Net result
€9k▼ 69.3%
2024 · €29k
2019: €-40k 2020: €5k 2021: €-7k 2022: €-207 2023: €18k 2024: €29k
2019 → 2025
Working capital
€29k▼ 26.4%
2024 · €39k
2019: €-17k 2020: €-7k 2021: €-11k 2022: €-2k 2023: €18k 2024: €39k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€177k
Equity€-11k-€-12k▼ 1.8%€6k€35k▲ 473%€30k▼ 15.2%
Operating result€-5k-€2k€19k▲ 1,071%€30k▲ 62.6%€11k▼ 63.6%
Net result€-7k-€-207▲ 97.1%€18k€29k▲ 64.3%€9k▼ 69.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-10k€0€10k€20k€30kOperating result 2021: €-5k€-5kNet result 2021: €-7k€-7kOperating result 2022: €2k€2kNet result 2022: €-207€-207Operating result 2023: €19k€19kNet result 2023: €18k€18kOperating result 2024: €30k€30kNet result 2024: €29k€29kOperating result 2025: €11k€11kNet result 2025: €9k€9k20212022202320242025€0€10k€20k€30kOperating result 2023: €19k€19kNet result 2023: €18k€18kOperating result 2024: €30k€30kNet result 2024: €29k€29kOperating result 2025: €11k€11kNet result 2025: €9k€9k202320242025
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets €18k ▼ 15.4%
Current assets €60k ▲ 8.8%
Equity and liabilities €77k
Equity €30k ▼ 15.2%
Debt €47k ▲ 17.5%
Debt's share of the balance-sheet total rises from 53.2% to 61.2%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€14k
2024 · €33k
Cash flow
€12k
2024 · €32k
Current ratio
1.91
2024 · 3.40
Quick ratio
1.82
2024 · 3.22
Debt to equity
1.58
2024 · 1.14
ROE
29.9%
2024 · 82.5%
ROA
11.6%
2024 · 38.6%
Interest coverage
13.19
2024 · 29.01
Debt ≤ 1 year
€31k
2024 · €16k
Debt > 1 year
€16k
2024 · €24k
Income taxes
€1k
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 · 44 lines
Balance sheet Code20242025
Assets
Total assets20/58€76k€77k
Fixed assets21/28€21k€18k
Tangible fixed assets22/27€21k€18k
Plant, machinery and equipment23€4k€3k
Other tangible fixed assets26€17k€15k
Current assets29/58€55k€60k
Stocks and contracts in progress3€3k€3k
Stocks30/36€3k€3k
Amounts receivable within one year40/41€2k€1k
Trade receivables40€891€132
Other amounts receivable41€1k€1k=
Cash at bank and in hand54/58€50k€56k
Deferred charges and accrued income490/1€252€256
Equity and liabilities
Total equity and liabilities10/49€76k€77k
Equity10/15€35k€30k
Contributions10/11€30k€30k=
Profit (loss) carried forward14€5k€0
Amounts payable17/49€40k€47k
Amounts payable after more than one year17€24k€16k
Financial debts170/4€24k€16k
Amounts payable within one year42/48€16k€31k
Current portion of amounts payable after more than one year42€8k€8k
Trade debts44€3k€2k
Suppliers440/4€3k€2k
Taxes, remuneration and social security45€2k€3k
Taxes450/3€2k€3k
Remuneration and social security454/9€0-
Other amounts payable47/48€4k€19k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k
Other operating charges640/8€182€585
Gross operating margin9900€33k€15k
Operating profit (loss)9901€30k€11k
Financial income75/76B€154€108
Recurring financial income75€154€108
Financial charges65/66B€1k€1k
Recurring financial charges65€1k€1k
Profit (loss) for the period before taxes9903€29k€10k
Income taxes67/77-€1k
Profit (loss) for the period9904€29k€9k
Profit (loss) for the period to be appropriated9905€29k€9k
Appropriation of the result
Profit (loss) to be appropriated9906€5k€14k
Profit (loss) brought forward from the previous period14P€-24k€5k
Profit to be distributed694/7-€14k
Return on contributions (dividend)694-€14k

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
01-04
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Highest result since 2019net €29k ▲64.3%
Operating result €30k, net result €29k, both a record.
27-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Back to profitnet €18k
Net result €18k after 2 loss-making years.
31-12
Financial Liquidity doublescurrent ratio 1.91
Current ratio from 0.88 to 1.91.
12-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
09-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
27-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Back to profitnet €5k
Net result €5k after one loss-making year.
25-09
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
2 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, Zandhoven · 1 establishment unit since 2018
establishment The establishment unit on the map
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.

Liersebaan 2392240 Zandhoven
Ground area
876 m²
Building footprint
153 m²
Volume, LiDAR
919 m³
Parcel 11027B0111/00P002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
QWINTA'S
Liersebaan 239, 2240 ZandhovenRetail sale of bread and pastry (bakery outlets)
since 20182.277.974.031
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11027B0111/00P002 Flanders 876 m² 1 · 153 m² 8.9 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Zandhoven2.277.974.031
1 permission
Toelating · Frituur · since 01-11-2018

Similar companies · same sector, comparable size

Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 8,391 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
Founded19-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.