qipu
Activeqipu has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-17k) and a net result of €8k. Equity is shrinking by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+39
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.26 against 0.23 in 2024; short-term debt: 150.5% and cash: 19.7% of total assets), and equity is negative.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
-50.7%
Return on assets
23.4%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 31616 sector peers (2025).
NBB · sector comparisonPosition among 31616 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-12-2025, 51 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
51 d early
2024
49 d early
2023
47 d early
2022
39 d early
2021
41 d early
2020
11 d early
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-17k▲ 31.6%
2024 · €-24k
2019: €6k
2020: €-4k
2021: €-12k
2022: €-18k
2023: €-21k
2024: €-24k
2019 → 2025
Total assets
€33k▼ 30.5%
2024 · €47k
2019: €17k
2020: €7k
2021: €1k
2022: €890
2023: €30k
2024: €47k
2019 → 2025
Net result
€8k
2024 · €-4k
2019: €3k
2020: €-10k
2021: €-8k
2022: €-6k
2023: €-3k
2024: €-4k
2019 → 2025
Working capital
€-37k▲ 33.6%
2024 · €-55k
2019: €5k
2020: €-5k
2021: €-12k
2022: €-18k
2023: €-42k
2024: €-55k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-12k-€-18k▼ 47.7%€-21k▼ 13.8%€-24k▼ 17.0%€-17k▲ 31.6%
Operating result€-7k-€-5k▲ 31.6%€-2k▲ 65.7%€-3k▼ 53.4%€8k
Net result€-8k-€-6k▲ 26.6%€-3k▲ 57.2%€-4k▼ 39.6%€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8k after a loss of €3k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€20k▼ 35.1%
Current assets
€13k▼ 21.5%
Key figures and ratios
EBITDA
€23k▲
2024 · €8k
Cash flow
€22k▲
2024 · €7k
Solvency
-50.7%▲
2024 · -51.5%
Current ratio
0.26▲
2024 · 0.23
Quick ratio
0.26▲
2024 · 0.23
Debt / equity
-2.97▼
2024 · -2.94
ROA
23.4%▲
2024 · -7.5%
Interest coverage
508.26▲
2024 · 30.35
Debt
€49k▼
2024 · €71k
Debt ≤ 1 year
€49k▼
2024 · €71k
Income taxes
€646▲
2024 · €633
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€47k€33k▼
Fixed assets21/28€31k€20k▼
Tangible fixed assets22/27€31k€20k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€31k€17k▼
Current assets29/58€16k€13k▼
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€4k-
Other amounts receivable41€1k€4k▲
Cash at bank and in hand54/58€9k€6k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€47k€33k▼
Equity10/15€-24k€-17k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-30k€-23k▲
Amounts payable17/49€71k€49k▼
Amounts payable within one year42/48€71k€49k▼
Trade debts44€591€2k▲
Suppliers440/4€591€2k▲
Taxes, remuneration and social security45€23€2▼
Taxes450/3€23€2▼
Other amounts payable47/48€70k€47k▼
Accrued charges and deferred income492/3€64€66▲
Income statement
Code20242025
Non-recurring operating income76A-€869
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€14k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€10k€24k▲
Operating profit (loss)9901€-3k€8k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€255€45▼
Recurring financial charges65€255€45▼
Profit (loss) for the period before taxes9903€-3k€8k▲
Income taxes67/77€633€646▲
Profit (loss) for the period9904€-4k€8k▲
Profit (loss) for the period to be appropriated9905€-4k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-23k▲
Profit (loss) brought forward from the previous period14P€-27k€-30k▼
The notes to these accounts (7 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
2025
11-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Back to profitnet €8k
Net result €8k after 5 loss-making years.
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
15-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
20-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-10k ▼415%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Destelbergen · 1 establishment unit since 2015
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.
Ter Ramenlaan 69070 DestelbergenGround area
823 m²
Building footprint
143 m²
Volume, LiDAR
1,087 m³
Parcel 44013A0514/00N003, Flanders · tallest building 25.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
qipu
since 20152.246.425.671
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013A0514/00N003 | Flanders | 823 m² | 1 · 143 m² | 25.8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 509 EUR awarded · 509 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 509 EUR | 509 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 16,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2015
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.