Qual - Constructions bois
ActiveQual - Constructions bois has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €17k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+67
Solvency79▲+13
Growth65=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 1.59 in 2024; short-term debt: 33.1% and cash: 25.9% of total assets), and 45.6% 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 43
Relative position
BE, all sectors
reference
Sector 43
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
54.4%
Return on assets
15.1%
Age of the figures
12 mo
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
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 09-03-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
46 d early
2023
53 d early
2022
34 d early
2021
32 d early
2020
43 d early
2019
21 d early
← before the deadline
after the deadline →
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
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€558k▲ 0.7%
2024 · €554k
2018: €496k
2019: €530k
2020: €486k
2021: €625k
2022: €685k
2023: €741k
2024: €554k
2018 → 2025
EBIT margin
3.4%▲ 6.3pp
2024 · -2.9%
2018: -3.9%
2019: 6.7%
2020: 1.3%
2021: 4.7%
2022: 1.2%
2023: 1.0%
2024: -2.9%
2018 → 2025
Net result
€17k
2024 · €-22k
2018: €-26k
2019: €30k
2020: €7k
2021: €22k
2022: €5k
2023: €-5k
2024: €-22k
2018 → 2025
Working capital
€45k▲ 80.4%
2024 · €25k
2018: €-16k
2019: €28k
2020: €25k
2021: €46k
2022: €339k
2023: €323k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€625k-€685k▲ 9.6%€741k▲ 8.2%€554k▼ 25.3%€558k▲ 0.7%
Equity€81k-€85k▲ 5.9%€80k▼ 6.3%€45k▼ 43.6%€62k▲ 38.3%
Operating result€29k-€8k▼ 72.7%€7k▼ 7.8%€-16k€19k
Net result€22k-€5k▼ 78.5%€-5k€-22k▼ 319%€17k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €19k after a loss of €16k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€32k▼ 25.8%
Current assets
€83k▲ 23.7%
Equity and liabilities €115k
Equity
€62k▲ 38.3%
Debt
€52k▼ 19.1%
The debt ratio falls from 58.8% to 45.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▲
2024 · €-2k
Cash flow
€32k▲
2024 · €-9k
Solvency
54.4%▲
2024 · 41.2%
Current ratio
2.19▲
2024 · 1.59
Quick ratio
2.19▲
2024 · 1.59
Debt / equity
0.84▼
2024 · 1.43
ROE
27.7%▲
2024 · -49.8%
ROA
15.1%▲
2024 · -20.5%
Interest coverage
19.35▲
2024 · -0.37
Debt
€52k▼
2024 · €65k
Debt ≤ 1 year
€38k▼
2024 · €42k
Debt > 1 year
€14k▼
2024 · €22k
Staff costs
€187k▼
2024 · €196k
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€110k€115k▲
Fixed assets21/28€42k€32k▼
Tangible fixed assets22/27€40k€29k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€10k€8k▼
Leasing and similar rights25€22k€16k▼
Financial fixed assets28€2k€2k=
Current assets29/58€67k€83k▲
Amounts receivable within one year40/41€16k€49k▲
Trade receivables40€15k€49k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€46k€30k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€110k€115k▲
Equity10/15€45k€62k▲
Reserves13€58k€58k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€56k€56k=
Profit (loss) carried forward14€-13k€5k▲
Amounts payable17/49€65k€52k▼
Amounts payable after more than one year17€22k€14k▼
Financial debts170/4€22k€14k▼
Amounts payable within one year42/48€42k€38k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€19k€9k▼
Suppliers440/4€19k€9k▼
Taxes, remuneration and social security45€13k€21k▲
Taxes450/3€3k€10k▲
Remuneration and social security454/9€10k€10k▲
Other amounts payable47/48€2k€155▼
Income statement
Code20242025
Turnover70€554k€558k▲
Non-recurring operating income76A-€928
Goods, raw materials, services and sundry goods60/61€355k€336k▼
Remuneration, social security and pensions62€196k€187k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€6k€2k▼
Gross operating margin9900€199k€223k▲
Operating profit (loss)9901€-16k€19k▲
Financial income75/76B€3€9▲
Recurring financial income75€3€9▲
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€-22k€17k▲
Profit (loss) for the period9904€-22k€17k▲
Profit (loss) for the period to be appropriated9905€-22k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€5k▲
Profit (loss) brought forward from the previous period14P€10k€-13k▼
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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
15-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity triplescurrent ratio 6.20
Current ratio from 2.07 to 6.20.
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Havelange · 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.
Montegnet(F) 25370 HavelangeGround area
651 m²
Building footprint
55 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Qual-Construction bois
since 20142.231.085.914
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91048C0310/00R000 | Wallonia | 480 m² | - | - |
| 91048C0148/00E000 | Wallonia | 171 m² | 1 · 55 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
VAN DER TRAPPEN
BE 0466.469.535
Kapelle-op-den-Bos · Eq €62k
DAMARI CONSTRUCT
BE 0787.964.157
Sint-Pieters-Leeuw · Eq €62k
SOL DESIGN
BE 0883.786.301
Soumagne · Eq €62k
BATI AWAX
BE 0876.940.970
Kraainem · Eq €62k
Stille Leven
BE 0891.433.364
Deerlijk · Eq €62k
Of 15,541 companies in sector 43990 we hold annual accounts for 7,420. 6,187 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2014
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:adrian@qual.be
Phone:0496/405617