QBIC
ActiveQBIC has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €302k and a net result of €67k. Equity is growing by ~33% per year across the filed fiscal years. Its solvency ranks better than 73% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.34 against 3.31 in 2024), and 23% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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
77%
Return on assets
17.1%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
11 d early
2023
21 d early
2022
41 d early
2021
17 d early
2020
2 d early
2019
10 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close14-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€302k▲ 27.7%
2024 · €237k
2019: €-19k
2020: €52k
2021: €105k
2022: €162k
2023: €226k
2024: €237k
2019 → 2025
Total assets
€392k▲ 15.6%
2024 · €339k
2019: €179k
2020: €229k
2021: €258k
2022: €307k
2023: €339k
2024: €339k
2019 → 2025
Net result
€67k▲ 0.7%
2024 · €67k
2019: €35k
2020: €71k
2021: €55k
2022: €58k
2023: €63k
2024: €67k
2019 → 2025
Working capital
€301k▲ 27.3%
2024 · €237k
2019: €-20k
2020: €22k
2021: €80k
2022: €145k
2023: €217k
2024: €237k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€162k▲ 53.7%€226k▲ 39.1%€237k▲ 4.9%€302k▲ 27.7%
Operating result€81k-€87k▲ 7.8%€96k▲ 9.4%€101k▲ 5.8%€108k▲ 6.8%
Net result€55k-€58k▲ 6.0%€63k▲ 8.9%€67k▲ 5.1%€67k▲ 0.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 7% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €392k
Fixed assets
€943
Current assets
€391k
Equity and liabilities €392k
Equity
€302k▲ 27.7%
Debt
€90k▼ 12.3%
The debt ratio falls from 30.3% to 23.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€108k▼
2024 · €109k
Cash flow
€67k▼
2024 · €75k
Solvency
77.0%▲
2024 · 69.7%
Current ratio
4.34▲
2024 · 3.31
Quick ratio
4.34▲
2024 · 3.31
Debt / equity
0.30▼
2024 · 0.43
ROE
22.2%▼
2024 · 28.2%
ROA
17.1%▼
2024 · 19.7%
Interest coverage
13.81▼
2024 · 2430.29
Debt
€90k▼
2024 · €103k
Debt ≤ 1 year
€90k▼
2024 · €103k
Income taxes
€34k▼
2024 · €34k
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€339k€392k▲
Fixed assets21/28€0€943▲
Tangible fixed assets22/27€0€943▲
Furniture and vehicles24€0€943▲
Current assets29/58€339k€391k▲
Amounts receivable within one year40/41€32k€33k▲
Trade receivables40€32k€33k▲
Current investments50/53-€275k
Cash at bank and in hand54/58€306k€82k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€339k€392k▲
Equity10/15€237k€302k▲
Contributions10/11€0-
Reserves13€237k€302k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€237k€302k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€103k€90k▼
Amounts payable within one year42/48€103k€90k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€20k€19k▼
Taxes450/3€20k€19k▼
Other amounts payable47/48€81k€69k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€344▼
Other operating charges640/8€955€966▲
Gross operating margin9900€110k€109k▼
Operating profit (loss)9901€101k€108k▲
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€45€8k▲
Recurring financial charges65€45€8k▲
Profit (loss) for the period before taxes9903€101k€101k▲
Income taxes67/77€34k€34k▼
Profit (loss) for the period9904€67k€67k▲
Profit (loss) for the period to be appropriated9905€67k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€67k▲
Transfer from equity791/2€4k€0▼
Transfer to equity691/2€65k€65k▲
To other reserves6921€65k€65k▲
Profit to be distributed694/7€6k€2k▼
Return on contributions (dividend)694€6k€2k▼
The notes to these accounts (7 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €200kEq €226k ▲39.1%
5 profitable years in a row build equity to €226k.
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €150kEq €162k ▲53.7%
4 profitable years in a row build equity to €162k.
14-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €105k ▲102%
3 profitable years in a row build equity to €105k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €71k ▲106%
Net result €71k, the highest in the series.
21-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-01
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 director, no change since 2023
Frank Lenvain
CurrentDirector · since 08-12-2023
08-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Mouscron · 1 establishment unit since 2009
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.
Herderstraat(D) 67711 MouscronGround area
1,253 m²
Building footprint
197 m²
Parcel 54003S1000/00_000, Wallonia. Linked by address, not a title deed.
1 establishment unit
QBIC
since 20092.176.131.355
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003S1000/00_000 | Wallonia | 1,253 m² | 1 · 197 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
Augmenta Consulting
BE 0727.471.195
Stekene · Eq €302k
SIBECA
BE 0439.586.974
Oostende · Eq €302k
WEMAT
BE 0870.332.795
Wielsbeke · Eq €302k
TILONE
BE 0505.844.409
Tielt · Eq €302k
4D&S
BE 0733.544.781
Gent · Eq €302k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 38,003 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2008
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.