UniQuest
ActiveSummary
UniQuest has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €17k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 15% of 254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+3
Solvency35▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity tight (current ratio 1.31 against 1.28 in 2024; short-term debt: 73.3% and cash: 12.5% of total assets), and 90.5% 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 · 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 · 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
9.5%
Return on assets
2.1%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 254 sector peers (2025).
NBB · sector comparisonPosition among 254 sector peers
Solvency
better than 15%
← weakest
strongest →
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
28 d late
2023
8 d early
2022
28 d late
2021
41 d early
2020
30 d early
2019
46 d early
← 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
€75k▲ 28.8%
2024 · €58k
2018: €27k
2019: €30k
2020: €-50k
2021: €-33k
2022: €49k
2023: €51k
2024: €58k
2018 → 2025
Total assets
€789k▲ 49.7%
2024 · €527k
2018: €541k
2019: €436k
2020: €406k
2021: €505k
2022: €297k
2023: €608k
2024: €527k
2018 → 2025
Net result
€17k▲ 136%
2024 · €7k
2018: €1k
2019: €3k
2020: €-81k
2021: €17k
2022: €82k
2023: €2k
2024: €7k
2018 → 2025
Working capital
€181k▲ 63.3%
2024 · €111k
2018: €12k
2019: €14k
2020: €-61k
2021: €-52k
2022: €114k
2023: €225k
2024: €111k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-33k-€49k€51k▲ 4.0%€58k▲ 13.9%€75k▲ 28.8%
Operating result€19k-€89k▲ 369%€9k▼ 89.5%€16k▲ 67.8%€33k▲ 109%
Net result€17k-€82k▲ 370%€2k▼ 97.6%€7k▲ 259%€17k▲ 136%
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 109% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €789k
Fixed assets
€29k ▲ 12.9%
Current assets
€759k ▲ 51.6%
Equity and liabilities €789k
Equity
€75k ▲ 28.8%
Debt
€713k ▲ 52.2%
Debt's share of the balance-sheet total rises from 88.9% to 90.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▲
2024 · €22k
Cash flow
€23k▲
2024 · €13k
Current ratio
1.31▲
2024 · 1.28
Debt to equity
9.48▲
2024 · 8.02
ROE
22.4%▲
2024 · 12.2%
ROA
2.1%▲
2024 · 1.4%
Interest coverage
2.34▲
2024 · 2.16
Debt ≤ 1 year
€578k▲
2024 · €390k
Debt > 1 year
€0▼
2024 · €634
Income taxes
€395▼
2024 · €407
Staff costs
€76k▲
2024 · €58k
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 · 52 lines
Balance sheet
Code20242025
Assets
Total assets20/58€527k€789k▲
Fixed assets21/28€26k€29k▲
Tangible fixed assets22/27€22k€26k▲
Land and buildings22€22k€23k▲
Plant, machinery and equipment23-€759
Furniture and vehicles24-€2k
Financial fixed assets28€4k€4k=
Current assets29/58€501k€759k▲
Amounts receivable within one year40/41€105k€71k▼
Trade receivables40€76k€71k▼
Other amounts receivable41€29k€100▼
Cash at bank and in hand54/58€35k€99k▲
Deferred charges and accrued income490/1€360k€589k▲
Equity and liabilities
Total equity and liabilities10/49€527k€789k▲
Equity10/15€58k€75k▲
Contributions10/11€26k€26k=
Reserves13€23k€23k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€9k€26k▲
Amounts payable17/49€468k€713k▲
Amounts payable after more than one year17€634€0▼
Financial debts170/4€634€0▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€390k€578k▲
Current portion of amounts payable after more than one year42€8k€634▼
Financial debts43€65k€40k▼
Credit institutions430/8€60k€40k▼
Other loans439€5k€0▼
Trade debts44€35k€80k▲
Suppliers440/4€35k€80k▲
Advances received on contracts in progress46€281k€456k▲
Taxes, remuneration and social security45€429€433▲
Taxes450/3€429€433▲
Other amounts payable47/48€680€2k▲
Accrued charges and deferred income492/3€78k€135k▲
Income statement
Code20242025
Remuneration, social security and pensions62€58k€76k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€22k€29k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€101k€143k▲
Operating profit (loss)9901€16k€33k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€10k€17k▲
Recurring financial charges65€10k€17k▲
Profit (loss) for the period before taxes9903€8k€17k▲
Income taxes67/77€407€395▼
Profit (loss) for the period9904€7k€17k▲
Profit (loss) for the period to be appropriated9905€7k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€26k▲
Profit (loss) brought forward from the previous period14P€2k€9k▲
Social balance
Average headcount (FTE)9087-2.0
The notes to these accounts (14 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Highest result since 2018net €82k ▲370%
Operating result €89k, net result €82k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-81k ▼2668%
Net result drops to €-81k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-04
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
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, Poperinge · 2 establishment units since 2013
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.
Sint-Andrieshof 378970 PoperingeGround area
2,597 m²
Building footprint
2,555 m²
Volume, LiDAR
1,148 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CAUWELIER
since 20132.217.024.674
Europalaan 1A, 8970 Poperinge
since 20242.361.798.560
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33021E0479/00X004 | Flanders | 1,947 m² | 1 · 2,422 m² | 3.5 m |
| 33312A1465/00N002 | Flanders | 650 m² | 1 · 133 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
DE BISSCHOP INVEST
BE 0894.191.233
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WS HOME IMPROVEMENT
BE 0477.791.415
Hamme (Vl.) · Eq €74,801
CHECK-IN-TRAVEL
BE 0432.896.350
Eupen · Eq €75,755
GENERATION VOYAGES
BE 0656.613.091
Schaarbeek · Eq €76,245
BANJO - REIZEN
BE 0430.436.411
Herenthout · Eq €77,169
Of 1,437 companies in sector 79110 we hold annual accounts for 880. 741 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
Founded07-02-2013
Fiscal year end31-12
Activities, NACEBEL 2025
79110Travel agency activities
79120Travel agency, tour operator and other reservation service and related activities
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.