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Q-Access

Active
Public limited companyfounded 1989active for 37 yearsVeerstraat 203, 2240 Zandhoven, BelgiumKBO/BCE: BE 0437.480.589
Summary

The computed 12-month bankruptcy probability of Q-Access is 2.5% (moderate). The annual accounts of Q-Access for financial year 2025 show a net loss of 58% of the equity at the start of that year. The 2025 annual accounts show equity of €93,009 and a net result of -€126,130. Equity is shrinking by about 15% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2027. Its solvency ranks better than 14% of 5,034 sector peers (NACE 47, financial year 2025). The company has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
Q-AccessActiveChecked score 50/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811Retail sale of motor vehicle parts and accessories NACE 47820
9th largest company by total assets in Zandhoven, Wholesale and retail trade sector2 sites
Size
≈ €3.9mturnover 2025, estimated
Staff
6.2 FTE
Equity
€93,009
Loss
-€126,130
Turnover estimated from the gross margin
Financial health
50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.5%
Structure
Parent
Q-Mobility · 100%
Holdings
1
  • Allego BVDirector · permanent representative Steve Goossens
  • Andex - Rent BVDirector · permanent representative Tom Knaepkens
  • GermanusDirector · permanent representative Steven Lismont
2025 accounts filed 57 days late10 of 26 deeds summarised
Why 50raises riskEquity €93,009 (2.2% of total assets)Liquidity: current ratio 0.92, cash €78,123Last filed accounts filed 57 days late; 2 of the last 3 latelowers riskFounded in 1989Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 14% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 27-2
equity 2.2% of total assets
Liquidity 2-2
short-term debt 97.1% · cash 1.8%
Profitability 23+23
return on assets -2.9%
Bankruptcy probability, 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,268 companies, NACE 47, micro)
Last 24 months 11-2024: 8.5% 12-2024: 8.5%● unchanged vs 11-2024 01-2025: 8.5%● unchanged vs 12-2024 02-2025: 8.3%▼ -0.2 percentage points vs 01-2025 03-2025: 8.4%▲ +0.1 percentage points vs 02-2025 04-2025: 8.5%▲ +0.1 percentage points vs 03-2025 05-2025: 8.5%● unchanged vs 04-2025 06-2025: 8.5%● unchanged vs 05-2025 07-2025: 8.6%▲ +0.1 percentage points vs 06-2025 08-2025: 8.9%▲ +0.3 percentage points vs 07-2025 09-2025: 12.1%▲ +3.2 percentage points vs 08-2025 10-2025: 12.1%● unchanged vs 09-2025 11-2025: 12.1%● unchanged vs 10-2025 12-2025: 12.1%● unchanged vs 11-2025 01-2026: 12.1%● unchanged vs 12-2025 02-2026: 12.0%▼ -0.1 percentage points vs 01-2026 03-2026: 11.9%▼ -0.1 percentage points vs 02-2026 04-2026: 12.0%▲ +0.1 percentage points vs 03-2026 05-2026: 12.1%▲ +0.1 percentage points vs 04-2026 06-2026: 12.3%▲ +0.2 percentage points vs 05-2026 07-2026: 12.3%● unchanged vs 06-2026 08-2026: 11.9%▼ -0.4 percentage points vs 07-2026 09-2026: 12.9%▲ +1.0 percentage point vs 08-2026highest value 10-2026: 2.5%▼ -10.4 percentage points vs 09-2026lowest value
Credit of up to €4,500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity insufficient (current ratio 0.92, compared with 0.92 in 2024, below 1; short-term debt: 97.1% and cash: 1.8% of total assets), and 97.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro): better than 20% on solvency, 5% on liquidity, 22% on profitability and 10% on growth.

The bankruptcy probability was computed on 30-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Seven signals.
lowers riskraises risk
raises risk · Equity €93,009 (2.2% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 0.92, cash €78,123
NBB · annual accounts
raises risk · Last filed accounts filed 57 days late; 2 of the last 3 late
NBB · filings
lowers risk · Founded in 1989
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
18192021232425
2018 to 2025 · latest year -€126,130
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 5034 sector peers (2025).
NBB · sector comparison
Position among 5034 sector peers
Solvency
better than 14%
← weakest strongest →
raises risk · 2025 accounts filed 57 days late
The financial year that closed on 30-12-2025 was due by 30-07-2026 and was filed on 25-09-2026, 57 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
57 days late
2024
31 days late
2023
27 days late
2021
16 days late
2020
19 days late
2019
10 days early
2018
8 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 21 days after the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 30-12-2026 and is due by 30-07-2027. Nothing is late today. The company usually files around 30 August (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-10-2026 today30-12-2026 year end30-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Capital & sharesCapital increase · Shareholding ·…
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Risk: 3 loss-making years in a rowloss financial year 2025 -€126,130 View
  • Positive: Result rose in 2025from -€1.1m to -€126,130 ▲ 88.4% View
  • Caution: Among the weakest 10% on net resultsector median €39,952 · 5,033 companies -€126,130 View
  • Controlled by Q-Mobilitythe company in turn controls 1 companies 100% View

By topic

Financials

Financial year
2025
Total assets
€4.3m
Loss
-€126,130
Solvency
2.2%
Turnover▼ 57.6%
Net result
20182024
Go to Financials

Board & ownership

Board
3 members
Parent
Q-Mobility · 100%
  • Allego BVDirector
  • Andex - Rent BVDirector
  • GermanusDirector
Go to Board & ownership

Timeline

Events
48
Since
1990
Next accounts
by 30-07-2027
  1. 30-05-2025Resignation: BV Vermuyten Consulting (director)
  2. 23-10-2024Registered office
  3. 22-10-2024Resignation: M TECH RENT & SUPPORT (director)
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Retail sale of cars and light vans (up…NACE 47811
Founded
17-05-1989
Year ends
30-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
13
Who signs
A managing director alone
Annual meeting
Third Monday of May at 17:00
Purpose
“De groot- en kleinhandel in, de in- en uitvoer van auto-onderdelen; Aan- en verkoop van…” (deed in Dutch)
Go to Articles of association

Key facts about Q-Access

What is the company number of Q-Access?
0437.480.589. In Belgium the VAT number is the company number with BE in front: BE 0437.480.589.
Where is Q-Access based?
The registered office is at Veerstraat 203, 2240 Zandhoven.Company details
What does Q-Access do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of Q-Access?
Public limited company (NV).
When was Q-Access founded?
On 17-05-1989.
Is Q-Access still active?
Yes, Q-Access is an active enterprise in the KBO register.
How many employees does Q-Access have?
On average 6.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Q-Access?
€7.5m in financial year 2024, according to the filed annual accounts.
Is Q-Access profitable?
In financial year 2025, Q-Access made a loss of €126,130.
Where can I find the annual accounts of Q-Access?
Q-Access filed 36 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Q-Access due?
By 30-07-2027, for financial year 2026.Timeline

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