Q-Groep

Active

Private limited companyfounded 20215 yrs activeKoekhoven 50, 2330 Merksplas, BelgiumKBO/BCE: BE 0772.928.959

Q-Groep is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €94k and a net result of €-36k. Equity is shrinking by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 13% of 6144 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Signals

Three signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 6144 sector peers (2024).

NBB · sector comparison

Position among 6144 sector peers

Solvency

better than 13%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-07-2025, 1 day ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

1 d early

2023

9 d early

2022

2 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Equity

€94k▼ 27.8%

2023 · €131k

2022: €117k 2023: €131k

2022 → 2024

Net result

€-36k

2023 · €14k

2022: €17k 2023: €14k

2022 → 2024

Total assets

€890k▲ 2.8%

2023 · €866k

2022: €944k 2023: €866k

2022 → 2024

Solvency

10.6%▼ 4.5pp

2023 · 15.1%

2022: 12.4% 2023: 15.1%

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€117k-€131k▲ 12.2%€94k▼ 27.8%

Operating result€21k-€21k▲ 4.5%€4k▼ 81.1%

Net result€17k-€14k▼ 15.2%€-36k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 81% below 2023 and is the lowest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €890k

94.5%

Fixed assets €841k▼ 0.1%

Current assets €49k▲ 103%

Equity and liabilities €890k

11%

89.4%

Equity €94k▼ 27.8%

Debt €795k▲ 8.2%

The debt ratio rises from 84.9% to 89.4%: debt grows while equity shrinks.

Key figures and ratios

2024 value · change against 2023

Solvency

10.6%▼

2023 · 15.1%

ROE

-38.6%▼

2023 · 10.8%

ROA

-4.1%▼

2023 · 1.6%

Debt

€795k▲

2023 · €735k

Debt ≤ 1 year

€795k▲

2023 · €735k

Income taxes

€0▼

2023 · €6k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€866k€890k▲

Fixed assets21/28€842k€841k▼

Tangible fixed assets22/27€2k€1k▼

Plant, machinery and equipment23€2k€1k▼

Financial fixed assets28€840k€840k=

Current assets29/58€24k€49k▲

Amounts receivable within one year40/41€23k€49k▲

Trade receivables40€4k€30k▲

Other amounts receivable41€19k€18k▼

Cash at bank and in hand54/58€280€52▼

Deferred charges and accrued income490/1€767€0▼

Equity and liabilities

Total equity and liabilities10/49€866k€890k▲

Equity10/15€131k€94k▼

Contributions10/11€100k€100k=

Profit (loss) carried forward14€31k€-6k▼

Amounts payable17/49€735k€795k▲

Amounts payable after more than one year17€0-

Financial debts170/4€0-

Amounts payable within one year42/48€735k€795k▲

Current portion of amounts payable after more than one year42€25k€0▼

Trade debts44€23k€7k▼

Suppliers440/4€23k€7k▼

Taxes, remuneration and social security45€6k€4k▼

Taxes450/3€6k€4k▼

Other amounts payable47/48€680k€784k▲

Accrued charges and deferred income492/3€11€0▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€135€647▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-

Other operating charges640/8€493€1k▲

Gross operating margin9900€22k€6k▼

Operating profit (loss)9901€21k€4k▼

Financial income75/76B€463€680▲

Recurring financial income75€463€680▲

Financial charges65/66B€2k€41k▲

Recurring financial charges65€2k€41k▲

Profit (loss) for the period before taxes9903€20k€-36k▼

Income taxes67/77€6k€0▼

Profit (loss) for the period9904€14k€-36k▼

Profit (loss) for the period to be appropriated9905€14k€-36k▼

Appropriation of the result

Profit (loss) to be appropriated9906€31k€-6k▼

Profit (loss) brought forward from the previous period14P€17k€31k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2025

30-07

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema

2024

31-12

Financial Weakest financial yearnet €-36k ▼357%

Net result drops to €-36k, the lowest in the series.

22-07

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema

2023

02-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 2 days late

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, Merksplas · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Koekhoven 502330 Merksplas

Ground area

2,309 m²

Building footprint

146 m²

Parcel 13023C0084/00F007, Flanders. Linked by address, not a title deed.

1 establishment unit

Q-Groep

Koekhoven 50, 2330 MerksplasFinancial service activities, except insurance and pension funding

since 20212.321.166.844

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13023C0084/00F007	Flanders	2,309 m²	1 · 146 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

Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 12,135 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded27-08-2021

Fiscal year end31-12

Activities, NACEBEL

64200Holdings

64210Activities of holding companies

70100Activities of head offices

70200Business and other management consultancy

70220Business consulting

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.