Q3 GROUP
ActiveQ3 GROUP has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €-35k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-52
Solvency76▼-18
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.29 against 6.97 in 2024), and 52.8% 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.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
47.2%
Return on assets
-115.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 9 filingsDeviation from the deadline
2025
28 d late
2024
26 d late
2023
31 d late
2022
28 d late
2021
29 d late
2020
24 d late
2019
34 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 70.9%
2024 · €49k
2018: €22k
2019: €23k
2020: €26k
2021: €41k
2022: €48k
2023: €44k
2024: €49k
2018 → 2025
Total assets
€30k▼ 70.1%
2024 · €101k
2018: €60k
2019: €36k
2020: €42k
2021: €98k
2022: €106k
2023: €109k
2024: €101k
2018 → 2025
Net result
€-35k
2024 · €5k
2018: €2k
2019: €1k
2020: €3k
2021: €15k
2022: €5k
2023: €-4k
2024: €5k
2018 → 2025
Working capital
€5k▼ 93.1%
2024 · €67k
2018: €19k
2019: €23k
2020: €23k
2021: €-9k
2022: €2k
2023: €5k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€48k▲ 18.4%€44k▼ 8.1%€49k▲ 11.6%€14k▼ 70.9%
Operating result€18k-€7k▼ 59.0%€-4k€6k€-34k
Net result€15k-€5k▼ 65.9%€-4k€5k€-35k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €34k after €6k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€10k▼ 59.0%
Current assets
€21k▼ 73.5%
Equity and liabilities €30k
Equity
€14k▼ 70.9%
Debt
€16k▼ 69.4%
The debt ratio rises from 51.5% to 52.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-20k▼
2024 · €22k
Cash flow
€-21k▼
2024 · €20k
Solvency
47.2%▼
2024 · 48.5%
Current ratio
1.29▼
2024 · 6.97
Quick ratio
1.29▼
2024 · 6.97
Debt / equity
1.12▲
2024 · 1.06
ROE
-244.2%▼
2024 · 10.4%
ROA
-115.3%▼
2024 · 5.0%
Interest coverage
-24.48▼
2024 · 35.81
Debt
€16k▼
2024 · €52k
Debt ≤ 1 year
€16k▲
2024 · €11k
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€101k€30k▼
Fixed assets21/28€24k€10k▼
Tangible fixed assets22/27€24k€10k▼
Plant, machinery and equipment23€12k€7k▼
Furniture and vehicles24€11k€2k▼
Current assets29/58€78k€21k▼
Amounts receivable within one year40/41€76k€19k▼
Trade receivables40€18k€18k▼
Other amounts receivable41€57k€357▼
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€45€117▲
Equity and liabilities
Total equity and liabilities10/49€101k€30k▼
Equity10/15€49k€14k▼
Contributions10/11€20k€20k=
Reserves13€5k€5k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€24k€-11k▼
Amounts payable17/49€52k€16k▼
Amounts payable within one year42/48€11k€16k▲
Trade debts44€9k€15k▲
Suppliers440/4€9k€15k▲
Taxes, remuneration and social security45€682€682=
Taxes450/3€682€682=
Other amounts payable47/48€1k€250▼
Accrued charges and deferred income492/3€41k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€14k▼
Other operating charges640/8€498-
Gross operating margin9900€22k€-20k▼
Operating profit (loss)9901€6k€-34k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€607€822▲
Recurring financial charges65€607€822▲
Profit (loss) for the period before taxes9903€6k€-35k▼
Income taxes67/77€682-
Profit (loss) for the period9904€5k€-35k▼
Profit (loss) for the period to be appropriated9905€5k€-35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€-11k▼
Profit (loss) brought forward from the previous period14P€19k€24k▲
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-35k ▼782%
Net result drops to €-35k, the lowest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 6.97
Current ratio from 1.08 to 6.97; short-term debt falls from €65k to €11k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €15k ▲460%
Operating result €18k, net result €15k, both a record.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 68 days late
2018
07-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 99 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Londerzeel · 1 establishment unit since 2017
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.
Smisstraat 1251840 LonderzeelGround area
728 m²
Building footprint
182 m²
Volume, LiDAR
1,226 m³
Parcel 23080A0490/00E000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Q3 GROUP
since 20172.263.096.310
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23080A0490/00E000 | Flanders | 728 m² | 1 · 182 m² | 10.5 m · 2 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.
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 10,400 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2017
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43910Bricklaying and masonry work
43990Other specialised construction activities
43994Specialised construction activities
43995Specialised construction activities
81210General cleaning of buildings
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.