QUALITY AND MORE
ActiveSummary
QUALITY AND MORE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €370k and a net result of €94k. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 92% of 787 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 9.57 against 7.83 in 2024; short-term debt: 9.4% and cash: 33.4% of total assets), and 9.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
90.5%
Return on assets
23.1%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
17 d early
2024
14 d late
2023
33 d early
2022
35 d early
2021
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
Equity
€370k▲ 34.2%
2024 · €276k
2021: €72k
2022: €129k
2023: €194k
2024: €276k
2021 → 2025
Total assets
€408k▲ 30.9%
2024 · €312k
2021: €94k
2022: €151k
2023: €238k
2024: €312k
2021 → 2025
Net result
€94k▲ 5.7%
2024 · €89k
2021: €70k
2022: €56k
2023: €84k
2024: €89k
2021 → 2025
Working capital
€330k▲ 32.8%
2024 · €249k
2021: €68k
2022: €119k
2023: €164k
2024: €249k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€129k▲ 77.9%€194k▲ 50.9%€276k▲ 41.7%€370k▲ 34.2%
Operating result€90k-€71k▼ 21.1%€117k▲ 65.4%€125k▲ 6.4%€132k▲ 5.8%
Net result€70k-€56k▼ 19.9%€84k▲ 48.2%€89k▲ 6.5%€94k▲ 5.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €408k
Fixed assets
€40k ▲ 47.1%
Current assets
€369k ▲ 29.3%
Equity and liabilities €408k
Equity
€370k ▲ 34.2%
Debt
€39k ▲ 6.0%
Debt's share of the balance-sheet total falls from 11.7% to 9.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€138k▲
2024 · €129k
Cash flow
€100k▲
2024 · €94k
Current ratio
9.57▲
2024 · 7.83
Debt to equity
0.10▼
2024 · 0.13
ROE
25.5%▼
2024 · 32.3%
ROA
23.1%▼
2024 · 28.5%
Interest coverage
173.53▲
2024 · 84.89
Debt ≤ 1 year
€39k▲
2024 · €36k
Income taxes
€38k▲
2024 · €34k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€312k€408k▲
Fixed assets21/28€27k€40k▲
Tangible fixed assets22/27€27k€40k▲
Land and buildings22€13k€12k▼
Furniture and vehicles24€14k€28k▲
Current assets29/58€285k€369k▲
Amounts receivable within one year40/41€44k€70k▲
Trade receivables40€44k€70k▲
Current investments50/53€149k€159k▲
Cash at bank and in hand54/58€88k€136k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€312k€408k▲
Equity10/15€276k€370k▲
Contributions10/11€2k€2k=
Reserves13€165k€259k▲
Distributable reserves133€165k€259k▲
Profit (loss) carried forward14€109k€109k=
Amounts payable17/49€36k€39k▲
Amounts payable within one year42/48€36k€39k▲
Trade debts44€1k€200▼
Suppliers440/4€1k€200▼
Taxes, remuneration and social security45€33k€35k▲
Taxes450/3€33k€35k▲
Other amounts payable47/48€2k€3k▲
Accrued charges and deferred income492/3-€79
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€725€400▼
Gross operating margin9900€130k€138k▲
Operating profit (loss)9901€125k€132k▲
Financial income75/76B-€628
Recurring financial income75-€628
Financial charges65/66B€2k€796▼
Recurring financial charges65€2k€796▼
Profit (loss) for the period before taxes9903€123k€132k▲
Income taxes67/77€34k€38k▲
Profit (loss) for the period9904€89k€94k▲
Profit (loss) for the period to be appropriated9905€89k€94k▲
Appropriation of the result
Profit (loss) to be appropriated9906€198k€203k▲
Profit (loss) brought forward from the previous period14P€109k€109k=
Transfer to equity691/2€81k€94k▲
To other reserves6921€81k€94k▲
Profit to be distributed694/7€8k-
Return on contributions (dividend)694€8k-
The notes to these accounts (6 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €94k ▲5.7%
Operating result €132k, net result €94k, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
31-12
Financial
Equity above €200kEq €276k ▲41.7%
4 profitable years in a row build equity to €276k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €194k ▲50.9%
3 profitable years in a row build equity to €194k.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €56k ▼19.9%
Net result drops to €56k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €129k ▲77.9%
2 profitable years in a row build equity to €129k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
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, Roosdaal · 1 establishment unit since 2020
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.
Keistraat 251761 RoosdaalGround area
1,294 m²
Building footprint
198 m²
Volume, LiDAR
56 m³
Parcel 23011C0467/00B002, Flanders · tallest building 1.1 m. Linked by address, not a title deed.
1 establishment unit
QUALITY AND MORE
since 20202.308.811.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23011C0467/00B002 | Flanders | 1,294 m² | 1 · 198 m² | 1.1 m |
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
MAXICON
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SERVICE PLUS SERVICE
BE 0819.181.529
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Van Cauwenberghe - Van der Pluym
BE 0418.367.334
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CELESTAR
BE 0879.786.931
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Of 1,014 companies in sector 78200 we hold annual accounts for 645. 432 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
Founded30-09-2020
Fiscal year end31-12
Activities, NACEBEL 2025
78200Temporary employment agencies and other provision of personnel
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.