Q.N.M. CONSULTING
ActiveQ.N.M. CONSULTING has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €82k and a net result of €94k. Equity is growing by ~33.6% per year across the filed fiscal years. Its solvency ranks better than 62% of 17849 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+8
Solvency80▼-15
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 2.39 in 2024), and 51.2% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
48.8%
Return on assets
55.6%
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 7 filingsDeviation from the deadline
2025
25 d late
2024
60 d late
2023
30 d late
2022
70 d late
2021
23 d late
2020
15 d early
2019
9 d early
← 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€82k▼ 14.5%
2024 · €96k
2019: €-2k
2020: €23k
2021: €43k
2022: €53k
2023: €78k
2024: €96k
2019 → 2025
Total assets
€168k▼ 12.6%
2024 · €193k
2019: €21k
2020: €60k
2021: €98k
2022: €76k
2023: €89k
2024: €193k
2019 → 2025
Net result
€94k▲ 431%
2024 · €18k
2019: €-9k
2020: €26k
2021: €20k
2022: €10k
2023: €26k
2024: €18k
2019 → 2025
Working capital
€13k▼ 74.8%
2024 · €50k
2019: €-4k
2020: €16k
2021: €22k
2022: €35k
2023: €69k
2024: €50k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€53k▲ 23.0%€78k▲ 48.5%€96k▲ 22.5%€82k▼ 14.5%
Operating result€29k-€16k▼ 45.8%€38k▲ 141%€33k▼ 14.2%€131k▲ 304%
Net result€20k-€10k▼ 49.5%€26k▲ 160%€18k▼ 31.1%€94k▲ 431%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 304% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€121k▲ 13.6%
Current assets
€48k▼ 44.8%
Equity and liabilities €168k
Equity
€82k▼ 14.5%
Debt
€86k▼ 10.7%
The debt ratio rises from 50.1% to 51.2%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€139k▲
2024 · €46k
Cash flow
€102k▲
2024 · €31k
Solvency
48.8%▼
2024 · 49.9%
Current ratio
1.36▼
2024 · 2.39
Quick ratio
1.36▼
2024 · 2.39
Debt / equity
1.05▲
2024 · 1.01
ROE
114.1%▲
2024 · 18.4%
ROA
55.6%▲
2024 · 9.2%
Interest coverage
38.87▲
2024 · 20.06
Debt
€86k▼
2024 · €97k
Debt ≤ 1 year
€35k▼
2024 · €36k
Debt > 1 year
€51k▼
2024 · €60k
Income taxes
€35k▲
2024 · €13k
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€193k€168k▼
Fixed assets21/28€106k€121k▲
Tangible fixed assets22/27€101k€110k▲
Land and buildings22€90k€87k▼
Furniture and vehicles24€11k€23k▲
Financial fixed assets28€6k€11k▲
Current assets29/58€86k€48k▼
Amounts receivable within one year40/41€16k€31k▲
Trade receivables40€11k€25k▲
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€69k€16k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€193k€168k▼
Equity10/15€96k€82k▼
Contributions10/11€6k€19k▲
Reserves13€855€855=
Distributable reserves133€855€855=
Profit (loss) carried forward14€89k€63k▼
Amounts payable17/49€97k€86k▼
Amounts payable after more than one year17€60k€51k▼
Financial debts170/4€60k€51k▼
Amounts payable within one year42/48€36k€35k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€19k€5k▼
Suppliers440/4€19k€5k▼
Taxes, remuneration and social security45€9k€21k▲
Taxes450/3€9k€21k▲
Remuneration and social security454/9-€22
Income statement
Code20242025
Remuneration, social security and pensions62€320-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€8k▼
Other operating charges640/8€9k€2k▼
Gross operating margin9900€56k€141k▲
Operating profit (loss)9901€33k€131k▲
Financial income75/76B€333€488▲
Recurring financial income75€333€488▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€31k€128k▲
Income taxes67/77€13k€35k▲
Profit (loss) for the period9904€18k€94k▲
Profit (loss) for the period to be appropriated9905€18k€94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€183k▲
Profit (loss) brought forward from the previous period14P€71k€89k▲
Profit to be distributed694/7-€120k
Return on contributions (dividend)694-€120k
The notes to these accounts (12 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Highest result since 2019net €94k ▲431%
Operating result €131k, net result €94k, both a record.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 7.42
Current ratio from 2.52 to 7.42; short-term debt falls from €23k to €11k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Profondeville · 1 establishment unit since 2018
Ground area
6,012 m²
Building footprint
137 m²
Parcel 92014C0466/00W000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Q.N.M. CONSULTING
since 20182.277.119.936
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92014C0466/00W000 | Wallonia | 6,012 m² | 1 · 137 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.
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Of 12,969 companies in sector 47120 we hold annual accounts for 2,176. 1,528 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2018
Fiscal year end31-12
Abbreviation FR
QNM
Trade name FR
QNM
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.