QLVF Management
ActiveSummary
QLVF Management has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €101k and a net result of €16k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 25% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▲+1
Solvency48▲+5
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.21 in 2024; short-term debt: 44.2% and cash: 0% of total assets), and 77.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 →
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
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
22.7%
Return on assets
3.7%
Age of the figures
9 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 21-08-2026, 21 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 · 4 filingsDeviation from the deadline
2025
21 d late
2024
29 d late
2023
29 d late
2022
29 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€16k▲ 3.5%
2024 · €16k
2022: €53k
2023: €6k
2024: €16k
2022 → 2025
Working capital
€-189k▼ 23.2%
2024 · €-154k
2022: €-80k
2023: €-119k
2024: €-154k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€63k-€69k▲ 9.3%€85k▲ 22.8%€101k▲ 19.2%
Operating result€61k-€25k▼ 58.3%€35k▲ 37.1%€38k▲ 7.7%
Net result€53k-€6k▼ 89.0%€16k▲ 169%€16k▲ 3.5%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €444k
Fixed assets
€437k =
Current assets
€7k ▼ 84.2%
Equity and liabilities €444k
Equity
€101k ▲ 19.2%
Debt
€343k ▼ 13.0%
Debt's share of the balance-sheet total falls from 82.3% to 77.3%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.03▼
2024 · 0.21
Quick ratio
0.02▼
2024 · 0.20
Debt to equity
3.40▼
2024 · 4.66
ROE
16.1%▼
2024 · 18.6%
ROA
3.7%▲
2024 · 3.3%
Debt ≤ 1 year
€196k▲
2024 · €195k
Debt > 1 year
€147k▼
2024 · €199k
Income taxes
€5k▲
2024 · €5k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€479k€444k▼
Fixed assets21/28€437k€437k=
Financial fixed assets28€437k€437k=
Current assets29/58€42k€7k▼
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€34k€2k▼
Trade receivables40€34k€0▼
Other amounts receivable41€0€2k▲
Cash at bank and in hand54/58€3k€0▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€479k€444k▼
Equity10/15€85k€101k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€75k€91k▲
Amounts payable17/49€394k€343k▼
Amounts payable after more than one year17€199k€147k▼
Financial debts170/4€199k€147k▼
Amounts payable within one year42/48€195k€196k▲
Current portion of amounts payable after more than one year42€50k€52k▲
Trade debts44€19k€19k▼
Suppliers440/4€19k€19k▼
Taxes, remuneration and social security45€61k€24k▼
Taxes450/3€61k€24k▼
Remuneration and social security454/9€0€0=
Other amounts payable47/48€65k€101k▲
Accrued charges and deferred income492/3-€53
Income statement
Code20242025
Other operating charges640/8€3k€881▼
Gross operating margin9900€37k€38k▲
Operating profit (loss)9901€35k€38k▲
Financial income75/76B€141€4▼
Recurring financial income75€141€4▼
Financial charges65/66B€15k€16k▲
Recurring financial charges65€15k€16k▲
Profit (loss) for the period before taxes9903€20k€21k▲
Income taxes67/77€5k€5k▲
Profit (loss) for the period9904€16k€16k▲
Profit (loss) for the period to be appropriated9905€16k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€75k€91k▲
Profit (loss) brought forward from the previous period14P€59k€75k▲
The notes to these accounts (3 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Equity above €100kEq €101k ▲19.2%
4 profitable years in a row build equity to €101k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €6k ▼89%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 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, Grâce-Hollogne · 1 establishment unit since 2022
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.
Rue de l'Expansion 54460 Grâce-HollogneGround area
1,328 m²
Building footprint
323 m²
Volume, LiDAR
2,045 m³
Parcel 62046A0135/00A002, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
QLVF Management
since 20222.331.844.267
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62046A0135/00A002 | Wallonia | 1,328 m² | 1 · 323 m² | 7.4 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 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,602 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
Founded01-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.