Summary
Q&S INVEST 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 €278k and a net result of €39k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 8023 sector peers (fiscal year 2025). The company has been active since 2014 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
16 d late
2023
5 d early
2022
23 d late
2021
25 d late
2020
25 d late
2019
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€278k▼ 10.2%
2024 · €310k
2018: €150k
2019: €173k
2020: €186k
2021: €264k
2022: €323k
2023: €271k
2024: €310k
2018 → 2025
Net result
€39k▼ 34.1%
2024 · €59k
2018: €21k
2019: €23k
2020: €14k
2021: €78k
2022: €89k
2023: €18k
2024: €59k
2018 → 2025
Total assets
€338k▲ 4.7%
2024 · €323k
2018: €245k
2019: €245k
2020: €241k
2021: €298k
2022: €347k
2023: €299k
2024: €323k
2018 → 2025
Solvency
82.3%▼ 13.6pp
2024 · 95.9%
2018: 61.1%
2019: 70.5%
2020: 77.3%
2021: 88.7%
2022: 93.2%
2023: 90.8%
2024: 95.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€264k-€323k▲ 22.2%€271k▼ 16.0%€310k▲ 14.1%€278k▼ 10.2%
Operating result€120k-€131k▲ 9.2%€27k▼ 79.6%€87k▲ 227%€53k▼ 39.6%
Net result€78k-€89k▲ 13.7%€18k▼ 80.1%€59k▲ 235%€39k▼ 34.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €338k
Fixed assets
€253k ▼ 3.9%
Current assets
€85k ▲ 42.4%
Equity and liabilities €338k
Equity
€278k ▼ 10.2%
Debt
€60k ▲ 354%
Debt's share of the balance-sheet total rises from 4.1% to 17.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
14.1%▼
2024 · 19.2%
ROA
11.6%▼
2024 · 18.4%
Debt ≤ 1 year
€60k▲
2024 · €13k
Income taxes
€14k▼
2024 · €28k
Staff costs
€75k▲
2024 · €45k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€323k€338k▲
Fixed assets21/28€263k€253k▼
Tangible fixed assets22/27€63k€53k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€16k€7k▼
Other tangible fixed assets26€43k€43k=
Financial fixed assets28€200k€200k=
Current assets29/58€60k€85k▲
Amounts receivable within one year40/41€7k€23k▲
Trade receivables40-€16k
Other amounts receivable41€7k€6k▼
Cash at bank and in hand54/58€52k€62k▲
Deferred charges and accrued income490/1€338€355▲
Equity and liabilities
Total equity and liabilities10/49€323k€338k▲
Equity10/15€310k€278k▼
Contributions10/11€19k€19k=
Reserves13€282k€259k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€281k€258k▼
Profit (loss) carried forward14€9k€0▼
Amounts payable17/49€13k€60k▲
Amounts payable within one year42/48€13k€60k▲
Trade debts44€888€767▼
Suppliers440/4€888€767▼
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€6k€11k▲
Remuneration and social security454/9€2k€239▼
Other amounts payable47/48€5k€48k▲
Income statement
Code20242025
Remuneration, social security and pensions62€45k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€1k▼
Other operating charges640/8€566€591▲
Gross operating margin9900€139k€130k▼
Operating profit (loss)9901€87k€53k▼
Financial income75/76B€0-
Recurring financial income75€0-
Profit (loss) for the period before taxes9903€87k€53k▼
Income taxes67/77€28k€14k▼
Profit (loss) for the period9904€59k€39k▼
Profit (loss) for the period to be appropriated9905€59k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€48k▼
Profit (loss) brought forward from the previous period14P€9k€9k=
Transfer from equity791/2€0€23k▲
Transfer to equity691/2€59k€0▼
To other reserves6921€59k€0▼
Profit to be distributed694/7€0€71k▲
Return on contributions (dividend)694€0€71k▲
The notes to these accounts (10 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
30-09
Financial
Liquidity quadruplescurrent ratio 4.54
Current ratio from 1.11 to 4.54; short-term debt falls from €28k to €13k.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
30-09
Financial
Highest result since 2018net €89k ▲13.7%
Operating result €131k, net result €89k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 5.25
Current ratio from 2.09 to 5.25; short-term debt falls from €34k to €22k.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-09
Financial
Liquidity times 9current ratio 2.09
Current ratio from 0.23 to 2.09; short-term debt falls from €55k to €34k.
30-09
Financial
Equity above €200kEq €264k ▲41.9%
4 profitable years in a row build equity to €264k.
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
30-09
Financial
Weakest financial yearnet €14k ▼40.4%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
Show earlier events
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
30-09
Financial
Equity above €150kEq €173k ▲15.4%
2 profitable years in a row build equity to €173k.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
09-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 9 days late
2017
10-04
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
1 act for this company is 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, Damme · 1 establishment unit since 2014
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.
Brieversweg 398340 DammeGround area
1,405 m²
Building footprint
320 m²
Volume, LiDAR
1,099 m³
Parcel 31019D0550/00L000, Flanders · tallest building 11.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Q & S Invest
since 20142.235.270.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31019D0550/00L000 | Flanders | 1,405 m² | 1 · 320 m² | 11.7 m · 1 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.
Similar companies · same sector, comparable size
GF INVEST MANAGEMENT
BE 0686.575.502
Neupré · Eq €278,058
FinIT Services
BE 0880.889.068
Gent · Eq €278,042
GNGR INVEST
BE 0761.966.276
Dilsen-Stokkem · Eq €278,009
R & G MANAGEMENT
BE 0536.545.107
Brugge · Eq €278,224
Kanelupa
BE 0797.207.861
Diest · Eq €278,239
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,723 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 (pre-2019)
Founded28-03-2014
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476799088