Immo Q & L is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €147k and a net result of €-32k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 21% of 5523 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 5523 sector peers (2025).
NBB · sector comparisonPosition among 5523 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-04-2026, 22 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
22 d early
2024
49 d early
2023
35 d early
2022
17 d early
2021
92 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€147k▼ 17.6%
2024 · €179k
2021: €49k
2022: €75k
2023: €138k
2024: €179k
2021 → 2025
Net result
€-32k
2024 · €40k
2021: €46k
2022: €26k
2023: €64k
2024: €40k
2021 → 2025
Total assets
€743k▲ 56.9%
2024 · €474k
2021: €139k
2022: €334k
2023: €344k
2024: €474k
2021 → 2025
Solvency
19.8%▼ 17.9pp
2024 · 37.7%
2021: 35.2%
2022: 22.3%
2023: 40.3%
2024: 37.7%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€75k▲ 52.1%€138k▲ 85.7%€179k▲ 29.1%€147k▼ 17.6%
Operating result€64k-€38k▼ 41.2%€92k▲ 144%€61k▼ 33.4%€-22k
Net result€46k-€26k▼ 43.9%€64k▲ 150%€40k▼ 37.0%€-32k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €22k after €61k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €743k
Fixed assets
€6k▼ 2.5%
Current assets
€738k▲ 57.6%
Equity and liabilities €743k
Equity
€147k▼ 17.6%
Debt
€596k▲ 102%
The debt ratio rises from 62.3% to 80.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
19.8%▼
2024 · 37.7%
ROE
-21.4%▼
2024 · 22.5%
ROA
-4.2%▼
2024 · 8.5%
Debt
€596k▲
2024 · €295k
Debt ≤ 1 year
€147k▲
2024 · €80k
Debt > 1 year
€449k▲
2024 · €215k
Income taxes
€1▼
2024 · €17k
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€474k€743k▲
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€5k€5k▼
Plant, machinery and equipment23€810€400▼
Furniture and vehicles24€4k€4k▲
Financial fixed assets28€1k€1k=
Current assets29/58€468k€738k▲
Amounts receivable after more than one year29€63k€15k▼
Other amounts receivable291€63k€15k▼
Stocks and contracts in progress3€349k€709k▲
Stocks30/36€349k€709k▲
Amounts receivable within one year40/41€27k€11k▼
Trade receivables40€24k€10k▼
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€29k€2k▼
Deferred charges and accrued income490/1€627€761▲
Equity and liabilities
Total equity and liabilities10/49€474k€743k▲
Equity10/15€179k€147k▼
Contributions10/11€4k€4k=
Reserves13€175k€175k=
Distributable reserves133€175k€175k=
Profit (loss) carried forward14-€-32k
Amounts payable17/49€295k€596k▲
Amounts payable after more than one year17€215k€449k▲
Financial debts170/4€215k€449k▲
Amounts payable within one year42/48€80k€147k▲
Current portion of amounts payable after more than one year42€10k€13k▲
Trade debts44€40k€121k▲
Suppliers440/4€40k€121k▲
Taxes, remuneration and social security45€23k€7k▼
Taxes450/3€21k€4k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€7k€7k=
Accrued charges and deferred income492/3-€56
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€65k€-17k▼
Operating profit (loss)9901€61k€-22k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€5k€11k▲
Recurring financial charges65€5k€11k▲
Profit (loss) for the period before taxes9903€57k€-32k▼
Income taxes67/77€17k€1▼
Profit (loss) for the period9904€40k€-32k▼
Profit (loss) for the period to be appropriated9905€40k€-32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€40k€-32k▼
Transfer to equity691/2€40k€0▼
To other reserves6921€40k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €-32k ▼178%
Net result drops to €-32k, the lowest in the series.
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €150kEq €179k ▲29.1%
4 profitable years in a row build equity to €179k.
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2021net €64k ▲150%
Operating result €92k, net result €64k, both a record.
30-09
Financial
Equity above €100kEq €138k ▲85.7%
3 profitable years in a row build equity to €138k.
13-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity times 5current ratio 2.90
Current ratio from 0.55 to 2.90.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oudenaarde · 1 establishment unit since 2019
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.
Zonnebloemstraat 1C9700 OudenaardeGround area
192 m²
Building footprint
80 m²
Volume, LiDAR
509 m³
Parcel 45507A0310/00T003, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Immo Q & L
since 20192.296.254.175
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45507A0310/00T003 | Flanders | 192 m² | 1 · 80 m² | 11.0 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,206 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2019
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.