Quality for building
ActiveThe computed 12-month bankruptcy probability of Quality for building is 2.2% (moderate). The 2025 annual accounts show negative equity (€-118k) and a net result of €64k. Equity is shrinking by ~54.7% per year across the filed fiscal years. Its solvency ranks better than 10% of 2176 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▲+23
Solvency20▲+1
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 5.91 against 45.43 in 2024; short-term debt: 16.7% and cash: 27.8% of total assets), but equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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
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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2176 sector peers (2025).
NBB · sector comparisonPosition among 2176 sector peers
Solvency
better than 10%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
21 d early
2023
33 d early
2022
17 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-118k▲ 35.3%
2024 · €-182k
2022: €2k
2023: €-51k
2024: €-182k
2022 → 2025
Total assets
€2.19M▼ 31.0%
2024 · €3.17M
2022: €918k
2023: €3.24M
2024: €3.17M
2022 → 2025
Net result
€64k
2024 · €-131k
2022: €-8k
2023: €-53k
2024: €-131k
2022 → 2025
Working capital
€1.79M▼ 40.8%
2024 · €3.03M
2022: €909k
2023: €2.88M
2024: €3.03M
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€2k-€-51k€-182k▼ 257%€-118k▲ 35.3%
Operating result€-8k-€-36k▼ 329%€-89k▼ 145%€154k
Net result€-8k-€-53k▼ 521%€-131k▼ 149%€64k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €154k after a loss of €89k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.19M
Fixed assets
€30k▼ 58.5%
Current assets
€2.16M▼ 30.4%
Key figures and ratios
EBITDA
€162k▲
2024 · €-79k
Cash flow
€72k▲
2024 · €-121k
Solvency
-5.4%▲
2024 · -5.7%
Current ratio
5.91▼
2024 · 45.43
Quick ratio
1.67▼
2024 · 2.40
Debt / equity
-19.56▼
2024 · -18.41
ROA
2.9%▲
2024 · -4.1%
Interest coverage
1.80▲
2024 · -1.87
Debt
€2.30M▼
2024 · €3.35M
Debt ≤ 1 year
€365k▲
2024 · €68k
Debt > 1 year
€1.94M▼
2024 · €3.28M
Income taxes
€60▼
2024 · €65
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€3.17M€2.19M▼
Formation expenses20€1k€841▼
Fixed assets21/28€71k€30k▼
Tangible fixed assets22/27€71k€30k▼
Plant, machinery and equipment23€53k€17k▼
Furniture and vehicles24€18k€13k▼
Current assets29/58€3.10M€2.16M▼
Stocks and contracts in progress3€2.93M€1.54M▼
Stocks30/36€2.93M€1.54M▼
Amounts receivable within one year40/41€70k€1k▼
Trade receivables40€47k€1k▼
Other amounts receivable41€22k€0▼
Cash at bank and in hand54/58€93k€609k▲
Deferred charges and accrued income490/1€506€1k▲
Equity and liabilities
Total equity and liabilities10/49€3.17M€2.19M▼
Equity10/15€-182k€-118k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€-192k€-128k▲
Amounts payable17/49€3.35M€2.30M▼
Amounts payable after more than one year17€3.28M€1.94M▼
Financial debts170/4€1.50M€0▼
Other amounts payable178/9€1.78M€1.94M▲
Amounts payable within one year42/48€68k€365k▲
Current portion of amounts payable after more than one year42-€220k
Trade debts44€62k€20k▼
Suppliers440/4€62k€20k▼
Advances received on contracts in progress46€6k€6k=
Taxes, remuneration and social security45€239€120k▲
Taxes450/3€239€120k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€7k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€354€7k▲
Non-recurring operating charges66A-€24k
Gross operating margin9900€-78k€193k▲
Operating profit (loss)9901€-89k€154k▲
Financial income75/76B€0€73▲
Recurring financial income75€0€73▲
Financial charges65/66B€42k€90k▲
Recurring financial charges65€42k€90k▲
Profit (loss) for the period before taxes9903€-131k€64k▲
Income taxes67/77€65€60▼
Profit (loss) for the period9904€-131k€64k▲
Profit (loss) for the period to be appropriated9905€-131k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-192k€-128k▲
Profit (loss) brought forward from the previous period14P€-61k€-192k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (14 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €64k
Net result €64k after 3 loss-making years.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-131k
Net result drops to €-131k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 45.43
Current ratio from 11.13 to 45.43; short-term debt falls from €284k to €68k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Pelt · 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.
Weidenstraat 393910 PeltGround area
2,313 m²
Building footprint
167 m²
Volume, LiDAR
877 m³
Parcel 72025A0823/00M016, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Quality for building
since 20222.331.638.389
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025A0823/00M016 | Flanders | 2,313 m² | 1 · 167 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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GF BUILDING
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LUNA-IMMO
BE 0460.812.059
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RBA CONCEPT
BE 0797.427.397
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FINITION TECHNIQUE
BE 1003.028.005
Sint-Pieters-Leeuw · Eq €2k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 2,714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-05-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.