A&M QUC
ActiveSummary
A&M QUC has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €466k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 8% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▲+10
Solvency25▼-3
Growth72▲+4
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.98 against 1.02 in 2024; short-term debt: 99.9% and cash: 0.1% of total assets), and 99.9% of the assets are financed with debt.
Credit check 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 · 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
0.1%
Return on assets
2.9%
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 4867 sector peers (2025).
NBB · sector comparisonPosition among 4867 sector peers
Solvency
better than 8%
← 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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
on the day
2023
20 d early
2022
24 d early
2021
10 d late
2020
1 d early
2019
31 d late
← 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, full schema
Turnover
€68.41M▲ 7.5%
2024 · €63.65M
2018: €4.90M
2019: €8.12M
2020: €34.96M
2021: €57.81M
2022: €68.76M
2023: €64.62M
2024: €63.65M
2018 → 2025
EBIT margin
1.8%▲ 0.2pp
2024 · 1.5%
2018: 2.9%
2019: 1.2%
2020: 1.0%
2021: 0.7%
2022: 0.7%
2023: 1.9%
2024: 1.5%
2018 → 2025
Net result
€466k▲ 1,942%
2024 · €23k
2018: €115k
2019: €36k
2020: €201k
2021: €241k
2022: €250k
2023: €407k
2024: €23k
2018 → 2025
Working capital
€-255k
2024 · €335k
2018: €95k
2019: €127k
2020: €312k
2021: €400k
2022: €353k
2023: €339k
2024: €335k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€57.81M-€68.76M▲ 18.9%€64.62M▼ 6.0%€63.65M▼ 1.5%€68.41M▲ 7.5%
Equity€625k-€625k=€625k=€625k=€19k▼ 97.0%
Operating result€409k-€459k▲ 12.1%€1.25M▲ 172%€977k▼ 21.7%€1.21M▲ 24.0%
Net result€241k-€250k▲ 3.7%€407k▲ 62.7%€23k▼ 94.4%€466k▲ 1,942%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15.87M
Fixed assets
€273k ▼ 7.1%
Current assets
€15.60M ▼ 28.7%
Equity and liabilities €15.87M
Equity
€19k ▼ 97.0%
Debt
€15.85M ▼ 26.4%
Debt's share of the balance-sheet total rises from 97.2% to 99.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€1.27M▲
2024 · €1.06M
Cash flow
€529k▲
2024 · €101k
Current ratio
0.98▼
2024 · 1.02
Quick ratio
0.16▼
2024 · 0.23
ROA
2.9%▲
2024 · 0.1%
Interest coverage
2.49▲
2024 · 1.20
Debt ≤ 1 year
€15.85M▼
2024 · €21.54M
Income taxes
€189k▲
2024 · €23k
Staff costs
€1.22M▲
2024 · €1.15M
A ratio outside any meaningful range has been withheld (balance sheet total €15.87M, equity €19k).
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 · 72 lines
Balance sheet
Code20242025
Assets
Total assets20/58€22.17M€15.87M▼
Fixed assets21/28€295k€273k▼
Intangible fixed assets21€0-
Tangible fixed assets22/27€291k€270k▼
Plant, machinery and equipment23€30k€23k▼
Furniture and vehicles24€41k€28k▼
Leasing and similar rights25€0-
Other tangible fixed assets26€220k€218k▼
Financial fixed assets28€3k€3k=
Other financial fixed assets284/8€3k€3k=
Amounts receivable and cash guarantees285/8€3k€3k=
Current assets29/58€21.88M€15.60M▼
Stocks and contracts in progress3€16.89M€13.11M▼
Stocks30/36€16.89M€13.11M▼
Goods purchased for resale34€16.89M€13.11M▼
Amounts receivable within one year40/41€4.48M€1.96M▼
Trade receivables40€2.37M€1.74M▼
Other amounts receivable41€2.11M€223k▼
Cash at bank and in hand54/58€8k€16k▲
Deferred charges and accrued income490/1€497k€510k▲
Equity and liabilities
Total equity and liabilities10/49€22.17M€15.87M▼
Equity10/15€625k€19k▼
Contributions10/11€19k€19k=
Reserves13€606k€0▼
Distributable reserves133€606k€0▼
Amounts payable17/49€21.55M€15.85M▼
Amounts payable within one year42/48€21.54M€15.85M▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€12.28M€9.41M▼
Credit institutions430/8€12.08M€9.41M▼
Other loans439€196k€0▼
Trade debts44€7.56M€3.15M▼
Suppliers440/4€7.56M€3.15M▼
Advances received on contracts in progress46€600k€280k▼
Taxes, remuneration and social security45€585k€927k▲
Taxes450/3€454k€783k▲
Remuneration and social security454/9€130k€144k▲
Other amounts payable47/48€520k€2.09M▲
Accrued charges and deferred income492/3€5k€0▼
Income statement
Code20242025
Operating income70/76A€64.28M€69.07M▲
Turnover70€63.65M€68.41M▲
Other operating income74€626k€665k▲
Operating charges60/66A€63.30M€67.86M▲
Goods for resale, raw materials and consumables60€56.65M€60.70M▲
Purchases600/8€54.00M€56.92M▲
Change in stocks: decrease (increase)609€2.66M€3.78M▲
Services and other goods61€5.67M€5.85M▲
Remuneration, social security and pensions62€1.15M€1.22M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€62k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-291k€9k▲
Other operating charges640/8€19k€21k▲
Non-recurring operating charges66A€21k€4k▼
Operating profit (loss)9901€977k€1.21M▲
Financial income75/76B€17k€23k▲
Recurring financial income75€17k€23k▲
Income from current assets751€2k€22k▲
Other financial income752/9€15k€645▼
Financial charges65/66B€948k€580k▼
Recurring financial charges65€948k€580k▼
Debt charges650€882k€511k▼
Other financial charges652/9€66k€68k▲
Profit (loss) for the period before taxes9903€46k€655k▲
Income taxes67/77€23k€189k▲
Taxes670/3€23k€189k▲
Profit (loss) for the period9904€23k€466k▲
Profit (loss) for the period to be appropriated9905€23k€466k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€466k▲
Transfer from equity791/2-€606k
From reserves792-€606k
Profit to be distributed694/7€23k€1.07M▲
Return on contributions (dividend)694€23k€1.07M▲
Social balance
Average headcount (FTE)908716.317.2▲
The notes to these accounts (73 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €466k ▲1942%
Net result €466k, the highest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €23k ▼94.4%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 10 days late
2021
31-12
Financial
Equity above €500kEq €625k ▲62.9%
4 profitable years in a row build equity to €625k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Equity above €200kEq €383k ▲111%
3 profitable years in a row build equity to €383k.
31-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
30-09
Financial
Equity above €150kEq €182k ▲25%
2 profitable years in a row build equity to €182k.
Show earlier events
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 16 days late
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 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, Genk · 6 establishment units since 2009
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.
Maaseikerbaan 863600 GenkGround area
6.3 ha
Building footprint
1.1 ha
Volume, LiDAR
84,563 m³
6 parcels, Flanders · tallest building 24.0 m, ±3 floors. Linked by address, not a title deed.
6 establishment units
Delorge Quc
since 20092.186.086.723
Delorge QUC
since 20212.315.041.689
A&M Rekem
since 20262.384.168.641
QUC Herent
since 20262.389.530.266
QUC Hasselt
since 20262.389.530.365
QUC Schaffen
since 20262.389.530.464
6 parcels
Flanders
6
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0375/00R000 | Flanders | 2.3 ha | 1 · 3,194 m² | 24.0 m · 3 fl. |
| 24097D0199/02M002 | Flanders | 1.2 ha | - | - |
| 71303B1137/00S016 | Flanders | 1.0 ha | 1 · 2,208 m² | 10.6 m · 2 fl. |
| 73064B1130/00K000 | Flanders | 1.0 ha | 1 · 3,414 m² | 8.1 m · 2 fl. |
| 24423I0041/00H003 | Flanders | 3,695 m² | 1 · 1,358 m² | 8.1 m · 2 fl. |
| 24592D0116/00Y000 | Flanders | 3,684 m² | 1 · 1,246 m² | 5.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 5
6 of 6 parcels 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 · 6 entries · 38,407 EUR awarded · 38,407 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 10,700 EUR | 10,700 EUR |
| 2024 | 2 | 4,715 EUR | 4,715 EUR |
| 2023 | 1 | 14,361 EUR | 14,361 EUR |
| 2022 | 1 | 8,631 EUR | 8,631 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Vlaams opleidingsverlof (VOV)
Similar companies · same sector, comparable size
JB CONCEPT & FILS
BE 0795.782.060
Wemmel · Eq €18,547
VEMICO
BE 0452.275.069
Houthalen-Helchteren · Eq €18,671
INLER
BE 0453.525.676
Lochristi · Eq €18,489
HAVADA AUTO'S
BE 0775.440.863
Beveren-Kruibeke-Zwijndrecht · Eq €18,467
J A Trade
BE 0797.040.882
Genk · Eq €18,364
Of 2,128 companies in sector 46711 we hold annual accounts for 1,126. 573 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
Founded21-12-2009
Fiscal year end31-12
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.