Que sera sera is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €31k and a net result of €3k. Equity is shrinking by ~5% per year across the filed fiscal years. Its solvency ranks better than 94% of 9864 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
51 d early
2022
18 d early
2021
30 d late
2020
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€31k▲ 9.6%
2023 · €28k
2020: €29k
2021: €41k
2022: €38k
2023: €28k
2020 → 2024
Net result
€3k
2023 · €-10k
2020: €28k
2021: €12k
2022: €-3k
2023: €-10k
2020 → 2024
Total assets
€32k▲ 1.1%
2023 · €32k
2020: €43k
2021: €101k
2022: €51k
2023: €32k
2020 → 2024
Solvency
95.7%▲ 7.4pp
2023 · 88.4%
2020: 67.7%
2021: 40.9%
2022: 75.0%
2023: 88.4%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€29k-€41k▲ 42.9%€38k▼ 7.0%€28k▼ 26.5%€31k▲ 9.6%
Operating result€38k-€20k▼ 48.2%€-2k€-9k▼ 434%€5k
Net result€28k-€12k▼ 55.5%€-3k€-10k▼ 251%€3k
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 2024: €5k after a loss of €9k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €32k
Fixed assets
€14k▼ 23.1%
Current assets
€18k▲ 35.6%
Equity and liabilities €32k
Equity
€31k▲ 9.6%
Debt
€1k▼ 62.9%
The debt ratio falls from 11.6% to 4.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
95.7%▲
2023 · 88.4%
ROE
8.7%▲
2023 · -36.1%
ROA
8.4%▲
2023 · -31.9%
Debt
€1k▼
2023 · €4k
Debt ≤ 1 year
€966▼
2023 · €4k
Income taxes
€2k▲
2023 · €456
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€32k€32k▲
Fixed assets21/28€19k€14k▼
Tangible fixed assets22/27€19k€14k▼
Furniture and vehicles24€19k€14k▼
Current assets29/58€13k€18k▲
Amounts receivable within one year40/41€9k€6k▼
Trade receivables40€2k€5k▲
Other amounts receivable41€7k€1k▼
Cash at bank and in hand54/58€2k€9k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€32k€32k▲
Equity10/15€28k€31k▲
Contributions10/11€1k€1k=
Reserves13€27k€30k▲
Non-distributable reserves130/1€12k€15k▲
Other1319€12k€15k▲
Distributable reserves133€15k€15k=
Amounts payable17/49€4k€1k▼
Amounts payable within one year42/48€4k€966▼
Trade debts44€3k€766▼
Suppliers440/4€3k€766▼
Taxes, remuneration and social security45€655€199▼
Taxes450/3€655€199▼
Accrued charges and deferred income492/3-€412
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€7k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€53€150▲
Gross operating margin9900€-480€14k▲
Operating profit (loss)9901€-9k€5k▲
Financial charges65/66B€432€621▲
Recurring financial charges65€432€621▲
Profit (loss) for the period before taxes9903€-10k€4k▲
Income taxes67/77€456€2k▲
Profit (loss) for the period9904€-10k€3k▲
Profit (loss) for the period to be appropriated9905€-10k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€3k▲
Transfer from equity791/2€10k-
Transfer to equity691/2-€3k
To other reserves6921-€3k
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
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 18.54
Current ratio from 3.55 to 18.54; short-term debt falls from €4k to €966.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
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
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, Scherpenheuvel-Zichem · 1 establishment unit since 2020
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.
Brielstraat 233272 Scherpenheuvel-ZichemGround area
547 m²
Building footprint
547 m²
Volume, LiDAR
2,765 m³
Parcel 24071A0164/00B000, Flanders · tallest building 21.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Que sera sera
since 20202.300.119.131
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24071A0164/00B000 | Flanders | 547 m² | 1 · 547 m² | 21.3 m · 1 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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CIRKULES
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 8,862 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66300Activities auxiliary to financial services and insurance activities
68110Buying and selling of own real estate
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
68204Real estate activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.