MEMOQUARTZ
ActiveSummary
MEMOQUARTZ has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €7k. Its solvency ranks better than 72% of 2692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency97▲+26
Growth52
Track record82
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.02 against 1.73 in 2024; short-term debt: 28.2% and cash: 48.8% of total assets), and 28.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
71.8%
Return on assets
14.1%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
8 d early
2024
34 d early
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€7k▼ 75.5%
2024 · €30k
2024: €30k
2024 → 2025
Working capital
€30k▲ 14.0%
2024 · €26k
2024: €26k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€30k-€38k▲ 24.5%
Operating result€39k-€14k▼ 63.9%
Net result€30k-€7k▼ 75.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€8k ▲ 91.5%
Current assets
€45k ▼ 28.1%
Equity and liabilities €53k
Equity
€38k ▲ 24.5%
Debt
€15k ▼ 58.9%
Debt's share of the balance-sheet total falls from 54.3% to 28.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▼
2024 · €39k
Cash flow
€9k▼
2024 · €31k
Current ratio
3.02▲
2024 · 1.73
Debt to equity
0.39▼
2024 · 1.19
ROE
19.7%▼
2024 · 100.0%
ROA
14.1%▼
2024 · 45.7%
Interest coverage
7.52▼
2024 · 466.54
Debt ≤ 1 year
€15k▼
2024 · €36k
Income taxes
€4k▼
2024 · €8k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€67k€53k▼
Fixed assets21/28€4k€8k▲
Tangible fixed assets22/27€4k€8k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€4k€6k▲
Current assets29/58€63k€45k▼
Amounts receivable within one year40/41€13k€18k▲
Trade receivables40€13k€18k▲
Cash at bank and in hand54/58€48k€26k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€67k€53k▼
Equity10/15€30k€38k▲
Contributions10/11€10k€10k=
Reserves13€10k€17k▲
Distributable reserves133€10k€17k▲
Profit (loss) carried forward14€10k€11k▲
Amounts payable17/49€36k€15k▼
Amounts payable within one year42/48€36k€15k▼
Trade debts44€449€734▲
Suppliers440/4€449€734▲
Taxes, remuneration and social security45€26k€11k▼
Taxes450/3€26k€11k▼
Other amounts payable47/48€10k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€524€2k▲
Other operating charges640/8-€162
Gross operating margin9900€39k€16k▼
Operating profit (loss)9901€39k€14k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€84€2k▲
Recurring financial charges65€84€2k▲
Profit (loss) for the period before taxes9903€39k€12k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€30k€7k▼
Profit (loss) for the period to be appropriated9905€30k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€18k▼
Profit (loss) brought forward from the previous period14P-€10k
Transfer to equity691/2€10k€7k▼
To other reserves6921€10k€7k▼
Profit to be distributed694/7€10k-
Return on contributions (dividend)694€10k-
The notes to these accounts (5 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
NBB filing
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, Clavier · 1 establishment unit since 2023
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.
Odet 544560 ClavierGround area
1,438 m²
Building footprint
89 m²
Parcel 61008D0247/00D002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Memoquartz
since 20232.352.241.783
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61008D0247/00D002 | Wallonia | 1,438 m² | 1 · 89 m² | - |
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.
Similar companies · same sector, comparable size
TIBSTAN CONSULTING
BE 0781.679.943
Ukkel · Eq €37,930
CODROX
BE 0646.977.627
Gembloux · Eq €37,914
SOLUTION 3.0
BE 0830.306.043
Court-Saint-Etienne · Eq €37,974
Kean Consult
BE 0652.839.890
Berlaar · Eq €37,901
ThePickPath
BE 0651.811.294
Braives · Eq €37,982
Of 16,884 companies in sector 62100 we hold annual accounts for 8,775. 6,612 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
Founded13-11-2023
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
82100Office administrative and support services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:d.leyman@memoquartz.com
Phone:+32493763474