QUALITY CONSTRUCT FC
ActiveQUALITY CONSTRUCT FC has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €39k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 26% of 7431 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (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
Profitability81▼-8
Solvency45▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.99 against 1.09 in 2024; short-term debt: 50% and cash: 1.7% of total assets), and 80.4% 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 41
Relative position
BE, all sectors
reference
Sector 41
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
19.6%
Return on assets
12%
Age of the figures
9 mo
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 21-05-2026, 71 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
71 d early
2024
99 d early
2023
23 d late
2022
24 d late
2021
19 d late
2020
53 d early
2019
31 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▼ 24.9%
2024 · €86k
2018: €32k
2019: €66k
2020: €69k
2021: €77k
2022: €83k
2023: €25k
2024: €86k
2018 → 2025
Total assets
€329k▼ 14.0%
2024 · €382k
2018: €92k
2019: €193k
2020: €441k
2021: €462k
2022: €411k
2023: €410k
2024: €382k
2018 → 2025
Net result
€39k▼ 35.0%
2024 · €61k
2018: €20k
2019: €34k
2020: €3k
2021: €1k
2022: €6k
2023: €-58k
2024: €61k
2018 → 2025
Working capital
€-2k
2024 · €17k
2018: €35k
2019: €50k
2020: €12k
2021: €6k
2022: €2k
2023: €-52k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€83k▲ 8.3%€25k▼ 70.0%€86k▲ 243%€64k▼ 24.9%
Operating result€10k-€30k▲ 198%€-44k€80k€74k▼ 7.8%
Net result€1k-€6k▲ 384%€-58k€61k€39k▼ 35.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €329k
Fixed assets
€167k▼ 9.2%
Current assets
€162k▼ 18.5%
Equity and liabilities €329k
Equity
€64k▼ 24.9%
Debt
€264k▼ 10.9%
The debt ratio rises from 77.6% to 80.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€106k▼
2024 · €113k
Cash flow
€72k▼
2024 · €94k
Solvency
19.6%▼
2024 · 22.4%
Current ratio
0.99▼
2024 · 1.09
Quick ratio
0.90▼
2024 · 1.01
Debt / equity
4.10▲
2024 · 3.46
ROE
61.3%▼
2024 · 70.9%
ROA
12.0%▼
2024 · 15.9%
Interest coverage
5.70▼
2024 · 7.28
Debt
€264k▼
2024 · €297k
Debt ≤ 1 year
€164k▼
2024 · €182k
Debt > 1 year
€100k▼
2024 · €114k
Income taxes
€16k▲
2024 · €4k
Staff costs
€94k▲
2024 · €90k
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€382k€329k▼
Fixed assets21/28€183k€167k▼
Tangible fixed assets22/27€183k€167k▼
Land and buildings22€163k€155k▼
Plant, machinery and equipment23€4k€4k▲
Furniture and vehicles24€16k€7k▼
Current assets29/58€199k€162k▼
Stocks and contracts in progress3€15k€14k▼
Stocks30/36€15k€14k▼
Amounts receivable within one year40/41€176k€141k▼
Trade receivables40€142k€126k▼
Other amounts receivable41€34k€15k▼
Cash at bank and in hand54/58€6k€6k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€382k€329k▼
Equity10/15€86k€64k▼
Contributions10/11€19k€19k=
Reserves13€67k€45k▼
Distributable reserves133€67k€45k▼
Amounts payable17/49€297k€264k▼
Amounts payable after more than one year17€114k€100k▼
Financial debts170/4€114k€100k▼
Amounts payable within one year42/48€182k€164k▼
Current portion of amounts payable after more than one year42€21k€14k▼
Financial debts43€48k€15k▼
Other loans439€48k€15k▼
Trade debts44€70k€28k▼
Suppliers440/4€70k€28k▼
Taxes, remuneration and social security45€6k€18k▲
Taxes450/3€2k€8k▲
Remuneration and social security454/9€4k€10k▲
Other amounts payable47/48€37k€88k▲
Income statement
Code20242025
Non-recurring operating income76A€15k-
Remuneration, social security and pensions62€90k€94k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€32k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€5k
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A-€6k
Gross operating margin9900€205k€214k▲
Operating profit (loss)9901€80k€74k▼
Financial income75/76B€200€85▼
Recurring financial income75€200€85▼
Financial charges65/66B€16k€19k▲
Recurring financial charges65€16k€19k▲
Profit (loss) for the period before taxes9903€65k€55k▼
Income taxes67/77€4k€16k▲
Profit (loss) for the period9904€61k€39k▼
Profit (loss) for the period to be appropriated9905€61k€39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€39k▼
Profit (loss) brought forward from the previous period14P€4k-
Transfer from equity791/2-€21k
Transfer to equity691/2€65k-
To other reserves6921€65k-
Profit to be distributed694/7-€61k
Return on contributions (dividend)694-€61k
The notes to these accounts (8 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €-58k ▼1010%
Net result drops to €-58k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
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, Herve · 2 establishment units since 2016
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.
Haute-Hez 684653 HerveGround area
767 m²
Building footprint
400 m²
Volume, LiDAR
2,106 m³
2 parcels, Brussels, Wallonia · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Quality Construct FC
since 20162.254.214.375
Quality Construct FC
since 20212.316.037.128
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63010A0545/00C000 | Wallonia | 520 m² | 1 · 326 m² | 8.9 m · 2 fl. |
| 21463D0363/00S003 | Brussels | 247 m² | 1 · 73 m² | 10.6 m · 2 fl. |
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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,204 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2016
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.