Quo Vadis
ActiveQuo Vadis has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.03M and a net result of €98k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 93% of 4488 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-8
Solvency100=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 7.66 against 8.69 in 2024; short-term debt: 9.4% and cash: 68.1% of total assets), and 9.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
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
90.2%
Return on assets
8.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.03M
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 · 10 filingsDeviation from the deadline
2025
on the day
2024
27 d early
2023
27 d late
2022
2 d late
2021
3 d early
2020
23 d late
2019
31 d late
← 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
€1.03M▲ 2.8%
2024 · €1.01M
2018: €1.02M
2019: €1.07M
2020: €933k
2021: €890k
2022: €805k
2023: €846k
2024: €1.01M
2018 → 2025
Total assets
€1.15M▲ 4.9%
2024 · €1.09M
2018: €1.10M
2019: €1.22M
2020: €991k
2021: €974k
2022: €897k
2023: €930k
2024: €1.09M
2018 → 2025
Net result
€98k▼ 38.5%
2024 · €160k
2018: €76k
2019: €53k
2020: €-137k
2021: €-43k
2022: €91k
2023: €113k
2024: €160k
2018 → 2025
Working capital
€714k▲ 14.9%
2024 · €622k
2018: €700k
2019: €687k
2020: €657k
2021: €721k
2022: €688k
2023: €673k
2024: €622k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€890k-€805k▼ 9.5%€846k▲ 5.1%€1.01M▲ 18.9%€1.03M▲ 2.8%
Operating result€-41k-€100k€155k▲ 54.4%€209k▲ 35.1%€155k▼ 26.1%
Net result€-43k-€91k€113k▲ 24.2%€160k▲ 41.6%€98k▼ 38.5%
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 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.15M
Fixed assets
€325k▼ 16.7%
Current assets
€821k▲ 16.9%
Equity and liabilities €1.15M
Equity
€1.03M▲ 2.8%
Debt
€112k▲ 29.5%
The debt ratio rises from 7.9% to 9.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€220k▼
2024 · €270k
Cash flow
€164k▼
2024 · €220k
Solvency
90.2%▼
2024 · 92.1%
Current ratio
7.66▼
2024 · 8.69
Quick ratio
7.66▼
2024 · 8.69
Debt / equity
0.11▲
2024 · 0.09
ROE
9.5%▼
2024 · 15.9%
ROA
8.6%▼
2024 · 14.6%
Interest coverage
57.41▼
2024 · 65.83
Debt
€112k▲
2024 · €87k
Debt ≤ 1 year
€107k▲
2024 · €81k
Income taxes
€54k▲
2024 · €48k
Staff costs
€103k▲
2024 · €95k
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€1.09M€1.15M▲
Fixed assets21/28€390k€325k▼
Tangible fixed assets22/27€390k€325k▼
Land and buildings22€69k€69k=
Furniture and vehicles24€321k€255k▼
Current assets29/58€703k€821k▲
Amounts receivable within one year40/41€77k€29k▼
Trade receivables40€15k€9k▼
Other amounts receivable41€62k€20k▼
Cash at bank and in hand54/58€611k€781k▲
Deferred charges and accrued income490/1€15k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.15M▲
Equity10/15€1.01M€1.03M▲
Contributions10/11€136k€136k=
Reserves13€870k€898k▲
Tax-exempt reserves132€392k€369k▼
Distributable reserves133€477k€528k▲
Amounts payable17/49€87k€112k▲
Amounts payable within one year42/48€81k€107k▲
Trade debts44€10k€37k▲
Suppliers440/4€10k€37k▲
Taxes, remuneration and social security45€23k€22k▼
Taxes450/3€17k€18k▲
Remuneration and social security454/9€6k€5k▼
Other amounts payable47/48€48k€48k=
Accrued charges and deferred income492/3€6k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€95k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€65k▲
Other operating charges640/8€15k€13k▼
Gross operating margin9900€379k€336k▼
Operating profit (loss)9901€209k€155k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€208k€152k▼
Income taxes67/77€48k€54k▲
Profit (loss) for the period9904€160k€98k▼
Transfer from tax-exempt reserves789€10k€23k▲
Transfer to tax-exempt reserves689€62k-
Profit (loss) for the period to be appropriated9905€108k€121k▲
Appropriation of the result
Profit (loss) to be appropriated9906€108k€121k▲
Transfer from equity791/2-€70k
Transfer to equity691/2€108k€121k▲
To other reserves6921€108k€121k▲
Profit to be distributed694/7-€70k
Return on contributions (dividend)694-€70k
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €160k ▲41.6%
Operating result €209k, net result €160k, both a record.
31-12
Financial
Equity above €1MEq €1.01M ▲18.9%
3 profitable years in a row build equity to €1.01M.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-12
Financial
Back to profitnet €91k
Net result €91k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Weakest financial yearnet €-137k ▼360%
Net result drops to €-137k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 12.75
Current ratio from 5.81 to 12.75; short-term debt falls from €143k to €56k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 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, Willebroek · 1 establishment unit since 1978
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.
Hoeikensstraat 112830 WillebroekGround area
683 m²
Building footprint
194 m²
Volume, LiDAR
747 m³
Parcel 12040A0130/00N000, Flanders · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Hoeikensstraat 11, 2830 Willebroek
since 19782.014.820.949
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12040A0130/00N000 | Flanders | 683 m² | 1 · 194 m² | 5.2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 7,117 EUR awarded · 7,117 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 420 EUR |
| 2024 | 1 | 420 EUR | 0 EUR |
| 2022 | 1 | 6,697 EUR | 6,697 EUR |
Schemes
Vlaams beschermingsmechanisme 12 (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,001 companies in sector 49320 we hold annual accounts for 2,716. 538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-1977
Fiscal year end31-12
Activities, NACEBEL
49320Non-scheduled passenger transport by road
49390Land transport and transport via pipelines
60230
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.