QUEST FOR ZEAL
ActiveQUEST FOR ZEAL has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €2k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 27% of 383 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+7
Solvency64▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.05 against 2.92 in 2024; short-term debt: 29.9% and cash: 58.1% of total assets), but 60.8% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 94
Relative position
BE, all sectors
reference
Sector 94
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
39.2%
Return on assets
0.8%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
21 d late
2023
27 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
22 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 2.0%
2024 · €91k
2018: €14k
2019: €47k
2020: €54k
2021: €62k
2022: €73k
2023: €85k
2024: €91k
2018 → 2025
Total assets
€238k▲ 10.2%
2024 · €216k
2018: €194k
2019: €207k
2020: €206k
2021: €180k
2022: €185k
2023: €224k
2024: €216k
2018 → 2025
Net result
€2k▼ 72.8%
2024 · €7k
2018: €389
2019: €34k
2020: €8k
2021: €9k
2022: €5k
2023: €13k
2024: €7k
2018 → 2025
Working capital
€75k▼ 1.1%
2024 · €76k
2018: €8k
2019: €38k
2020: €50k
2021: €24k
2022: €31k
2023: €57k
2024: €76k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€73k▲ 17.3%€85k▲ 16.2%€91k▲ 8.0%€93k▲ 2.0%
Operating result€13k-€11k▼ 15.6%€22k▲ 95.9%€15k▼ 32.1%€6k▼ 59.7%
Net result€9k-€5k▼ 37.0%€13k▲ 135%€7k▼ 46.4%€2k▼ 72.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 60% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238k
Fixed assets
€92k▼ 9.0%
Current assets
€146k▲ 27.1%
Equity and liabilities €238k
Equity
€93k▲ 2.0%
Debt
€145k▲ 16.2%
The debt ratio rises from 57.7% to 60.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▼
2024 · €24k
Cash flow
€11k▼
2024 · €16k
Solvency
39.2%▼
2024 · 42.3%
Current ratio
2.05▼
2024 · 2.92
Quick ratio
2.05▼
2024 · 2.92
Debt / equity
1.55▲
2024 · 1.36
ROE
2.0%▼
2024 · 7.4%
ROA
0.8%▼
2024 · 3.1%
Interest coverage
5.79▲
2024 · 4.64
Debt
€145k▲
2024 · €125k
Debt ≤ 1 year
€71k▲
2024 · €39k
Debt > 1 year
€74k=
2024 · €74k
Income taxes
€2k▼
2024 · €4k
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€216k€238k▲
Fixed assets21/28€101k€92k▼
Tangible fixed assets22/27€101k€92k▼
Land and buildings22€99k€90k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€200€200=
Current assets29/58€115k€146k▲
Amounts receivable within one year40/41€23k€6k▼
Trade receivables40€23k€0▼
Other amounts receivable41-€6k
Cash at bank and in hand54/58€90k€138k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€216k€238k▲
Equity10/15€91k€93k▲
Contributions10/11€19k€19k=
Reserves13€33k€35k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€32k€33k▲
Profit (loss) carried forward14€39k€39k=
Amounts payable17/49€125k€145k▲
Amounts payable after more than one year17€74k€74k=
Other amounts payable178/9€74k€74k=
Amounts payable within one year42/48€39k€71k▲
Trade debts44€18k€35k▲
Suppliers440/4€18k€35k▲
Advances received on contracts in progress46€9k€9k=
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€3k▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€8k€22k▲
Accrued charges and deferred income492/3€12k€68▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€27k€18k▼
Operating profit (loss)9901€15k€6k▼
Financial income75/76B€301€75▼
Recurring financial income75€301€75▼
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€10k€4k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€7k€2k▼
Profit (loss) for the period to be appropriated9905€7k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€41k▼
Profit (loss) brought forward from the previous period14P€39k€39k=
Transfer to equity691/2€7k€2k▼
To other reserves6921€7k€2k▼
The notes to these accounts (8 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €34k ▲8601%
Operating result €48k, net result €34k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 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, Chaumont-Gistoux · 1 establishment unit since 2016
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.
Rue des Papeteries 361325 Chaumont-GistouxGround area
2,071 m²
Building footprint
84 m²
Volume, LiDAR
554 m³
Parcel 25018B0161/00M000, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
QUEST FOR ZEAL
since 20162.256.143.685
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018B0161/00M000 | Wallonia | 2,071 m² | 1 · 83 m² | 7.3 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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Of 1,008 companies in sector 94120 we hold annual accounts for 350. 188 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-08-2016
Fiscal year end31-12
Activities, NACEBEL
94120Activities of professional membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.