RELIQUIAE
ActiveSummary
RELIQUIAE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.63M and a net result of €13k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 91% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+1
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.38 in 2024; short-term debt: 8.7% and cash: 1% of total assets), and 8.9% 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 risk○neutral
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 dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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 2025Solvency, return and age of the figures
Solvency
91.1%
Return on assets
0.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
40 d late
2023
36 d early
2022
4 d early
2021
9 d early
2020
31 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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.63M▲ 0.8%
2024 · €1.61M
2020: €1.66M
2021: €1.62M
2022: €1.62M
2023: €1.61M
2024: €1.61M
2020 → 2025
Total assets
€1.79M▲ 2.1%
2024 · €1.75M
2020: €1.67M
2021: €1.68M
2022: €1.67M
2023: €1.67M
2024: €1.75M
2020 → 2025
Net result
€13k▲ 256%
2024 · €4k
2020: €-2k
2021: €-44k
2022: €262
2023: €-6k
2024: €4k
2020 → 2025
Working capital
€109k▲ 119%
2024 · €50k
2020: €73k
2021: €21k
2022: €62k
2023: €90k
2024: €50k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.62M-€1.62M=€1.61M▼ 0.3%€1.61M▲ 0.2%€1.63M▲ 0.8%
Operating result€-43k-€765€-8k€3k€19k▲ 582%
Net result€-44k-€262€-6k€4k€13k▲ 256%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 582% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.79M
Fixed assets
€1.52M ▼ 2.9%
Current assets
€265k ▲ 45.9%
Equity and liabilities €1.79M
Equity
€1.63M ▲ 0.8%
Debt
€158k ▲ 18.0%
Debt's share of the balance-sheet total rises from 7.7% to 8.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€79k▲
2024 · €73k
Cash flow
€73k▼
2024 · €74k
Current ratio
1.70▲
2024 · 1.38
Debt to equity
0.10▲
2024 · 0.08
ROE
0.8%▲
2024 · 0.2%
ROA
0.7%▲
2024 · 0.2%
Interest coverage
3404.09▲
2024 · 378.28
Debt ≤ 1 year
€156k▲
2024 · €132k
Income taxes
€10k▲
2024 · €2k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.75M€1.79M▲
Fixed assets21/28€1.57M€1.52M▼
Tangible fixed assets22/27€1.57M€1.52M▼
Land and buildings22€1.55M€1.52M▼
Furniture and vehicles24€22k€4k▼
Financial fixed assets28€0-
Current assets29/58€181k€265k▲
Amounts receivable after more than one year29€155k€212k▲
Other amounts receivable291€155k€212k▲
Amounts receivable within one year40/41€16k€27k▲
Trade receivables40€16k€24k▲
Other amounts receivable41-€4k
Cash at bank and in hand54/58€1k€18k▲
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.75M€1.79M▲
Equity10/15€1.61M€1.63M▲
Contributions10/11€1.66M€1.66M=
Profit (loss) carried forward14€-47k€-34k▲
Amounts payable17/49€134k€158k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€132k€156k▲
Current portion of amounts payable after more than one year42€3k€0▼
Trade debts44€20k€26k▲
Suppliers440/4€20k€26k▲
Taxes, remuneration and social security45€3k€11k▲
Taxes450/3€3k€11k▲
Other amounts payable47/48€106k€119k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€71k€60k▼
Other operating charges640/8€13k€14k▲
Gross operating margin9900€87k€93k▲
Operating profit (loss)9901€3k€19k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€194€23▼
Recurring financial charges65€194€23▼
Profit (loss) for the period before taxes9903€6k€23k▲
Income taxes67/77€2k€10k▲
Profit (loss) for the period9904€4k€13k▲
Profit (loss) for the period to be appropriated9905€4k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-47k€-34k▲
Profit (loss) brought forward from the previous period14P€-51k€-47k▲
Social balance
Average headcount (FTE)90870.0-
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2020net €13k ▲256%
Operating result €19k, net result €13k, both a record.
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 40 days late
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €262
Net result €262 after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ingelmunster · 1 establishment unit since 2019
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.
Nieuwstraat 78770 IngelmunsterGround area
323 m²
Building footprint
136 m²
Volume, LiDAR
1,133 m³
Parcel 36007A0908/00E003, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
RELIQUIAE
since 20192.286.792.618
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007A0908/00E003 | Flanders | 323 m² | 1 · 136 m² | 12.8 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.
Similar companies · same sector, comparable size
MAGILAN
BE 0420.041.375
Morlanwelz · Eq €1,627,009
DUOPLUS
BE 0437.823.554
Beringen · Eq €1,627,686
BELGIUM PROPERTY
BE 0885.569.418
Antwerpen · Eq €1,628,346
SCHUTTERSHOF Budgethuur
BE 1005.605.829
Hasselt · Eq €1,630,154
GHEDEMO
BE 0442.486.581
Menen · Eq €1,630,747
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,502 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
Founded10-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.