IMMOQUATRO
ActiveIMMOQUATRO has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.19M and a net result of €-17k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 49% of 920 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▲+3
Solvency68=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.21 in 2024; short-term debt: 16.3% and cash: 3.9% of total assets), and 56.5% 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○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
43.5%
Return on assets
-0.6%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
2 d early
2022
3 d early
2021
3 d early
2020
1 d early
2019
on the day
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-17k▲ 41.2%
2024 · €-29k
2018: €135
2019: €28k
2020: €41k
2021: €5k
2022: €-6k
2023: €-23k
2024: €-29k
2018 → 2025
Working capital
€-320k▲ 9.3%
2024 · €-352k
2018: €-24k
2019: €-99k
2020: €-146k
2021: €-104k
2022: €-151k
2023: €11k
2024: €-352k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.26M-€1.26M▼ 0.4%€1.23M▼ 1.8%€1.21M▼ 2.3%€1.19M▼ 1.4%
Operating result€29k-€21k▼ 28.2%€34k▲ 63.0%€42k▲ 22.5%€49k▲ 17.4%
Net result€5k-€-6k€-23k▼ 315%€-29k▼ 25.9%€-17k▲ 41.2%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.74M
Fixed assets
€2.61M▼ 3.6%
Current assets
€127k▲ 35.3%
Equity and liabilities €2.74M
Equity
€1.19M▼ 1.4%
Debt
€1.55M▼ 3.0%
The debt ratio falls from 56.9% to 56.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€147k▲
2024 · €144k
Cash flow
€80k▲
2024 · €73k
Solvency
43.5%▲
2024 · 43.1%
Current ratio
0.28▲
2024 · 0.21
Quick ratio
0.28▲
2024 · 0.21
Debt / equity
1.30▼
2024 · 1.32
ROE
-1.4%▲
2024 · -2.4%
ROA
-0.6%▲
2024 · -1.0%
Interest coverage
2.42▲
2024 · 2.08
Debt
€1.55M▼
2024 · €1.59M
Debt ≤ 1 year
€447k▲
2024 · €446k
Debt > 1 year
€1.09M▼
2024 · €1.14M
Income taxes
€6k▲
2024 · €2k
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€2.80M€2.74M▼
Fixed assets21/28€2.71M€2.61M▼
Tangible fixed assets22/27€2.71M€2.61M▼
Land and buildings22€2.71M€2.61M▼
Current assets29/58€94k€127k▲
Amounts receivable within one year40/41€28k€16k▼
Trade receivables40€14k€15k▲
Other amounts receivable41€15k€874▼
Cash at bank and in hand54/58€66k€108k▲
Deferred charges and accrued income490/1€130€4k▲
Equity and liabilities
Total equity and liabilities10/49€2.80M€2.74M▼
Equity10/15€1.21M€1.19M▼
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€824k€790k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€818k€784k▼
Profit (loss) carried forward14€319k€336k▲
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Major repairs and maintenance162€0-
Amounts payable17/49€1.59M€1.55M▼
Amounts payable after more than one year17€1.14M€1.09M▼
Financial debts170/4€1.14M€1.09M▼
Amounts payable within one year42/48€446k€447k▲
Current portion of amounts payable after more than one year42€444k€446k▲
Trade debts44€2k€0▼
Suppliers440/4€2k€0▼
Taxes, remuneration and social security45-€700
Taxes450/3-€700
Accrued charges and deferred income492/3€9k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€102k€97k▼
Other operating charges640/8€16k€20k▲
Gross operating margin9900€160k€167k▲
Operating profit (loss)9901€42k€49k▲
Financial income75/76B€17€0▼
Recurring financial income75€17€0▼
Financial charges65/66B€69k€60k▼
Recurring financial charges65€69k€60k▼
Profit (loss) for the period before taxes9903€-27k€-11k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€-29k€-17k▲
Transfer from tax-exempt reserves789€34k€34k=
Profit (loss) for the period to be appropriated9905€5k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€319k€336k▲
Profit (loss) brought forward from the previous period14P€314k€319k▲
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 5current ratio 1.27
Current ratio from 0.25 to 1.27; short-term debt falls from €201k to €43k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €41k ▲49%
Operating result €87k, net result €41k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Gent · 1 establishment unit since 2003
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.
Brugsevaart 929030 GentGround area
2,582 m²
Building footprint
443 m²
Volume, LiDAR
1,063 m³
Parcel 44038A0136/00K000, Flanders · tallest building 9.2 m. Linked by address, not a title deed.
1 establishment unit
IMMOQUATRO
since 20032.135.478.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0136/00K000 | Flanders | 2,582 m² | 1 · 443 m² | 9.2 m |
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 · 2,099 EUR awarded · 2,099 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,099 EUR | 2,099 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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Of 11,219 companies in sector 82100 we hold annual accounts for 3,512. 1,410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-12-1986
Fiscal year end31-12
Activities, NACEBEL
74851
82100Office administrative and support services
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.