S4Q
ActiveS4Q has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €36k. Equity is growing by ~74% per year across the filed fiscal years. Its solvency ranks better than 86% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 7.47 against 4.42 in 2024), and 13% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 82
Relative position
BE, all sectors
reference
Sector 82
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
87%
Return on assets
34.2%
Age of the figures
8 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 17-08-2026, 17 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 · 3 filingsDeviation from the deadline
2025
17 d late
2024
8 d early
2023
1 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 64.7%
2024 · €56k
2023: €9k
2024: €56k
2023 → 2025
Total assets
€106k▲ 48.7%
2024 · €71k
2023: €33k
2024: €71k
2023 → 2025
Net result
€36k▼ 22.3%
2024 · €47k
2023: €6k
2024: €47k
2023 → 2025
Working capital
€89k▲ 70.6%
2024 · €52k
2023: €9k
2024: €52k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€9k-€56k▲ 497%€92k▲ 64.7%
Operating result€9k-€61k▲ 589%€49k▼ 21.0%
Net result€6k-€47k▲ 630%€36k▼ 22.3%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€3k▼ 13.3%
Current assets
€103k▲ 52.4%
Equity and liabilities €106k
Equity
€92k▲ 64.7%
Debt
€14k▼ 9.8%
The debt ratio falls from 21.4% to 13.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€49k▼
2024 · €62k
Cash flow
€37k▼
2024 · €47k
Solvency
87.0%▲
2024 · 78.6%
Current ratio
7.47▲
2024 · 4.42
Quick ratio
7.47▲
2024 · 4.42
Debt / equity
0.15▼
2024 · 0.27
ROE
39.3%▼
2024 · 83.3%
ROA
34.2%▼
2024 · 65.5%
Interest coverage
35.17▲
2024 · 34.03
Debt
€14k▼
2024 · €15k
Debt ≤ 1 year
€14k▼
2024 · €15k
Income taxes
€11k▼
2024 · €13k
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€71k€106k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€67k€103k▲
Amounts receivable within one year40/41€29k€19k▼
Trade receivables40€21k€12k▼
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€38k€82k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€71k€106k▲
Equity10/15€56k€92k▲
Contributions10/11€3k€3k=
Reserves13€53k€89k▲
Distributable reserves133€53k€89k▲
Amounts payable17/49€15k€14k▼
Amounts payable within one year42/48€15k€14k▼
Financial debts43€451€0▼
Credit institutions430/8€451€0▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€13k€11k▼
Taxes450/3€13k€11k▼
Other amounts payable47/48€424€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€176€530▲
Other operating charges640/8€3k€1k▼
Gross operating margin9900€65k€50k▼
Operating profit (loss)9901€61k€49k▼
Financial income75/76B€16€0▼
Recurring financial income75€16€0▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€60k€47k▼
Income taxes67/77€13k€11k▼
Profit (loss) for the period9904€47k€36k▼
Profit (loss) for the period to be appropriated9905€47k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€47k€36k▼
Transfer to equity691/2€47k€36k▼
To other reserves6921€47k€36k▼
The notes to these accounts (4 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €47k ▲630%
Operating result €61k, net result €47k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.42
Current ratio from 1.38 to 4.42; short-term debt falls from €23k to €15k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wellen · 1 establishment unit since 2023
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.
Russelt 1063830 WellenGround area
3,627 m²
Building footprint
245 m²
Volume, LiDAR
1,507 m³
Parcel 73098E0270/00F000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
S4Q
since 20232.344.666.479
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73098E0270/00F000 | Flanders | 3,627 m² | 1 · 245 m² | 9.6 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.
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CLARIFAR
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WIJS MET ERFGOED
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HARRYBO
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Of 24,424 companies in sector 82990 we hold annual accounts for 9,361. 7,141 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2023
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.