BELGIAN CENTRE FOR QUALITY MANAGEMENT
ActiveBELGIAN CENTRE FOR QUALITY MANAGEMENT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €5k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-2
Solvency48▼-37
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.91 in 2024; short-term debt: 76.7% and cash: 25.5% of total assets), and 76.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
23.3%
Return on assets
3.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
71 d late
2022
30 d late
2021
30 d late
2020
31 d late
2019
55 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▲ 15.9%
2024 · €34k
2018: €23k
2019: €19k
2020: €21k
2021: €26k
2022: €31k
2023: €31k
2024: €34k
2018 → 2025
Total assets
€168k▲ 198%
2024 · €57k
2018: €222k
2019: €115k
2020: €84k
2021: €98k
2022: €53k
2023: €68k
2024: €57k
2018 → 2025
Net result
€5k▲ 102%
2024 · €3k
2018: €16k
2019: €-4k
2020: €2k
2021: €6k
2022: €5k
2023: €157
2024: €3k
2018 → 2025
Working capital
€21k▲ 1.3%
2024 · €21k
2018: €-62k
2019: €-20k
2020: €-27k
2021: €-12k
2022: €3k
2023: €16k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€31k▲ 17.2%€31k▲ 0.5%€34k▲ 8.5%€39k▲ 15.9%
Operating result€12k-€11k▼ 6.0%€4k▼ 61.1%€5k▲ 14.9%€10k▲ 98.3%
Net result€6k-€5k▼ 17.8%€157▼ 96.5%€3k▲ 1,596%€5k▲ 102%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 98% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€18k▲ 38.6%
Current assets
€150k▲ 247%
Equity and liabilities €168k
Equity
€39k▲ 15.9%
Debt
€129k▲ 470%
The debt ratio rises from 40.1% to 76.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▲
2024 · €9k
Cash flow
€9k▲
2024 · €7k
Solvency
23.3%▼
2024 · 59.9%
Current ratio
1.16▼
2024 · 1.91
Quick ratio
1.16▼
2024 · 1.91
Debt / equity
3.30▲
2024 · 0.67
ROE
13.7%▲
2024 · 7.9%
ROA
3.2%▼
2024 · 4.7%
Interest coverage
17.55▼
2024 · 43.41
Debt
€129k▲
2024 · €23k
Debt ≤ 1 year
€129k▲
2024 · €23k
Income taxes
€5k▲
2024 · €3k
Staff costs
€258▲
2024 · €0
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€57k€168k▲
Fixed assets21/28€13k€18k▲
Tangible fixed assets22/27€13k€18k▲
Land and buildings22€13k€15k▲
Furniture and vehicles24-€3k
Financial fixed assets28€400€400=
Current assets29/58€43k€150k▲
Amounts receivable within one year40/41€33k€107k▲
Trade receivables40€4k€66k▲
Other amounts receivable41€29k€41k▲
Current investments50/53€16€16=
Cash at bank and in hand54/58€11k€43k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€57k€168k▲
Equity10/15€34k€39k▲
Contributions10/11€19k€19k=
Reserves13€17k€23k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€16k€21k▲
Profit (loss) carried forward14€-2k€-2k=
Amounts payable17/49€23k€129k▲
Amounts payable within one year42/48€23k€129k▲
Financial debts43€541€0▼
Credit institutions430/8€541€0▼
Trade debts44€17k€127k▲
Suppliers440/4€17k€127k▲
Taxes, remuneration and social security45€5k€1k▼
Taxes450/3€5k€1k▼
Other amounts payable47/48-€409
Income statement
Code20242025
Remuneration, social security and pensions62€0€258▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€12k€15k▲
Operating profit (loss)9901€5k€10k▲
Financial income75/76B€809€1k▲
Recurring financial income75€809€1k▲
Financial charges65/66B€216€795▲
Recurring financial charges65€216€795▲
Profit (loss) for the period before taxes9903€6k€10k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€3k€5k▲
Profit (loss) for the period to be appropriated9905€3k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€491€3k▲
Profit (loss) brought forward from the previous period14P€-2k€-2k=
Transfer to equity691/2€3k€5k▲
To other reserves6921€3k€5k▲
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
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
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
31-12
Financial
Weakest financial yearnet €-4k ▼127%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 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, Haacht · 1 establishment unit since 2000
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.
Neerstraat(WSP) 11A3150 HaachtGround area
1,943 m²
Building footprint
349 m²
Volume, LiDAR
1,613 m³
Parcel 24122A0126/00M000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BCQM
since 20002.097.430.703
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24122A0126/00M000 | Flanders | 1,943 m² | 1 · 349 m² | 8.2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 71 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 71 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 36,552 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-01-2000
Fiscal year end31-12
Abbreviation NL
BCQM
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
46190Agents in non-specialised wholesale trade
47784Retail sale of souvenirs and religious articles
47786Retail trade
52497
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.