QUALITY LIFE
ActiveQUALITY LIFE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €556k and a net result of €-620k. Equity is growing by ~29.7% per year across the filed fiscal years. Its solvency ranks better than 41% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-24
Solvency68▼-21
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 0.14 in 2024; short-term debt: 21.2% and cash: 18.3% of total assets), but 57.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 →
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 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
9 d early
2023
89 d early
2022
24 d late
2021
31 d late
2020
15 d early
2019
14 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€556k▼ 60.1%
2024 · €1.39M
2018: €299k
2019: €310k
2020: €404k
2021: €526k
2022: €1.30M
2023: €1.30M
2024: €1.39M
2018 → 2025
Total assets
€1.30M▼ 40.5%
2024 · €2.19M
2018: €1.03M
2019: €1.00M
2020: €1.06M
2021: €1.44M
2022: €2.39M
2023: €2.20M
2024: €2.19M
2018 → 2025
Net result
€-620k
2024 · €93k
2018: €14k
2019: €11k
2020: €94k
2021: €122k
2022: €770k
2023: €4k
2024: €93k
2018 → 2025
Working capital
€152k
2024 · €-279k
2018: €-224k
2019: €-264k
2020: €-224k
2021: €-192k
2022: €-151k
2023: €-320k
2024: €-279k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€526k-€1.30M▲ 146%€1.30M▲ 0.3%€1.39M▲ 7.1%€556k▼ 60.1%
Operating result€178k-€914k▲ 412%€82k▼ 91.0%€127k▲ 54.4%€202k▲ 59.4%
Net result€122k-€770k▲ 530%€4k▼ 99.5%€93k▲ 2,183%€-620k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 59% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.30M
Fixed assets
€875k▼ 59.2%
Current assets
€428k▲ 859%
Equity and liabilities €1.30M
Equity
€556k▼ 60.1%
Debt
€747k▼ 6.1%
The debt ratio rises from 36.4% to 57.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€284k▲
2024 · €161k
Cash flow
€-539k▼
2024 · €127k
Solvency
42.7%▼
2024 · 63.6%
Current ratio
1.55▲
2024 · 0.14
Quick ratio
1.55▲
2024 · 0.14
Debt / equity
1.34▲
2024 · 0.57
ROE
-111.5%▼
2024 · 6.7%
ROA
-47.6%▼
2024 · 4.2%
Interest coverage
10.87▼
2024 · 13.29
Debt
€747k▼
2024 · €796k
Debt ≤ 1 year
€276k▼
2024 · €324k
Debt > 1 year
€461k▼
2024 · €472k
Income taxes
€47k▲
2024 · €22k
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€2.19M€1.30M▼
Fixed assets21/28€2.14M€875k▼
Tangible fixed assets22/27€769k€687k▼
Land and buildings22€746k€671k▼
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€16k€14k▼
Financial fixed assets28€1.38M€188k▼
Current assets29/58€45k€428k▲
Amounts receivable within one year40/41€18k€169k▲
Trade receivables40€17k€47k▲
Other amounts receivable41€1k€122k▲
Current investments50/53-€20k
Cash at bank and in hand54/58€26k€239k▲
Deferred charges and accrued income490/1€198€153▼
Equity and liabilities
Total equity and liabilities10/49€2.19M€1.30M▼
Equity10/15€1.39M€556k▼
Contributions10/11€6k€6k=
Reserves13€1.39M€550k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€159€159=
Distributable reserves133€1.38M€548k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€796k€747k▼
Amounts payable after more than one year17€472k€461k▼
Financial debts170/4€472k€461k▼
Amounts payable within one year42/48€324k€276k▼
Current portion of amounts payable after more than one year42€74k€59k▼
Financial debts43-€16k
Credit institutions430/8-€2k
Other loans439-€14k
Trade debts44€9k€87▼
Suppliers440/4€9k€87▼
Advances received on contracts in progress46€14k€0▼
Taxes, remuneration and social security45€7k€15k▲
Taxes450/3€7k€15k▲
Other amounts payable47/48€219k€185k▼
Accrued charges and deferred income492/3-€10k
Income statement
Code20242025
Non-recurring operating income76A€0€94k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€82k▲
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A€14k€0▼
Gross operating margin9900€179k€288k▲
Operating profit (loss)9901€127k€202k▲
Financial income75/76B€23€1k▲
Recurring financial income75€23€1k▲
Financial charges65/66B€12k€777k▲
Recurring financial charges65€12k€26k▲
Non-recurring financial charges66B-€751k
Profit (loss) for the period before taxes9903€115k€-574k▼
Income taxes67/77€22k€47k▲
Profit (loss) for the period9904€93k€-620k▼
Profit (loss) for the period to be appropriated9905€93k€-620k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€-620k▼
Transfer from equity791/2-€837k
Transfer to equity691/2€93k€0▼
To other reserves6921€93k€0▼
Profit to be distributed694/7-€216k
Return on contributions (dividend)694-€216k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (24 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-620k ▼768%
Net result drops to €-620k, the lowest in the series.
31-12
Financial
Liquidity times 11current ratio 1.55
Current ratio from 0.14 to 1.55; short-term debt falls from €324k to €276k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-12
Financial
Highest result since 2018net €770k ▲530%
Operating result €914k, net result €770k, both a record.
31-12
Financial
Equity above €1MEq €1.30M ▲146%
5 profitable years in a row build equity to €1.30M.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Equity above €500kEq €526k ▲30.2%
4 profitable years in a row build equity to €526k.
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Oostkamp · 1 establishment unit since 2007
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.
Geldeweistraat 248020 OostkampGround area
586 m²
Building footprint
93 m²
Volume, LiDAR
623 m³
Parcel 31037B0156/00P003, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
QUALITY LIFE
since 20072.159.636.308
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31037B0156/00P003 | Flanders | 586 m² | 1 · 93 m² | 8.9 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 5,694 companies in sector 70100 we hold annual accounts for 3,489. 2,150 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2007
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.