QUALITY LIVING
ActiveQUALITY LIVING has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €601k and a net result of €19k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+25
Solvency62▲+3
Growth52=
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 1.54 against 1.51 in 2024; short-term debt: 46.3% and cash: 17.2% of total assets), but 63.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
36.9%
Return on assets
1.2%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
22 d early
2023
44 d early
2022
42 d early
2021
52 d early
2020
47 d early
2019
49 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€601k▲ 3.2%
2024 · €582k
2018: €85k
2019: €224k
2020: €452k
2021: €506k
2022: €580k
2023: €583k
2024: €582k
2018 → 2025
Total assets
€1.63M▼ 3.9%
2024 · €1.69M
2018: €486k
2019: €1.02M
2020: €938k
2021: €917k
2022: €1.19M
2023: €1.59M
2024: €1.69M
2018 → 2025
Net result
€19k
2024 · €-1k
2018: €42k
2019: €141k
2020: €233k
2021: €56k
2022: €77k
2023: €3k
2024: €-1k
2018 → 2025
Working capital
€405k▲ 5.6%
2024 · €383k
2018: €112k
2019: €268k
2020: €475k
2021: €466k
2022: €554k
2023: €434k
2024: €383k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€506k-€580k▲ 14.6%€583k▲ 0.5%€582k▼ 0.2%€601k▲ 3.2%
Operating result€92k-€93k▲ 0.3%€7k▼ 92.6%€9k▲ 33.1%€48k▲ 426%
Net result€56k-€77k▲ 39.0%€3k▼ 96.2%€-1k€19k
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 426% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.63M
Fixed assets
€470k▼ 15.0%
Current assets
€1.16M▲ 1.4%
Equity and liabilities €1.63M
Equity
€601k▲ 3.2%
Debt
€1.03M▼ 7.7%
The debt ratio falls from 65.7% to 63.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€141k▲
2024 · €72k
Cash flow
€112k▲
2024 · €62k
Solvency
36.9%▲
2024 · 34.3%
Current ratio
1.54▲
2024 · 1.51
Quick ratio
1.54▲
2024 · 1.51
Debt / equity
1.71▼
2024 · 1.91
ROE
3.1%▲
2024 · -0.2%
ROA
1.2%▲
2024 · -0.1%
Interest coverage
6.08▲
2024 · 3.21
Debt
€1.03M▼
2024 · €1.11M
Debt ≤ 1 year
€753k▼
2024 · €759k
Debt > 1 year
€274k▼
2024 · €336k
Income taxes
€21k▲
2024 · €4k
Staff costs
€366k▲
2024 · €280k
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€1.69M€1.63M▼
Fixed assets21/28€552k€470k▼
Tangible fixed assets22/27€552k€470k▼
Land and buildings22€0-
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€63k€52k▼
Other tangible fixed assets26€486k€415k▼
Financial fixed assets28€400€0▼
Current assets29/58€1.14M€1.16M▲
Amounts receivable within one year40/41€976k€854k▼
Trade receivables40€566k€502k▼
Other amounts receivable41€410k€352k▼
Cash at bank and in hand54/58€138k€280k▲
Deferred charges and accrued income490/1€28k€25k▼
Equity and liabilities
Total equity and liabilities10/49€1.69M€1.63M▼
Equity10/15€582k€601k▲
Contributions10/11€19k€19k=
Reserves13€565k€582k▲
Distributable reserves133€565k€582k▲
Profit (loss) carried forward14€-1k€0▲
Amounts payable17/49€1.11M€1.03M▼
Amounts payable after more than one year17€336k€274k▼
Financial debts170/4€336k€274k▼
Amounts payable within one year42/48€759k€753k▼
Current portion of amounts payable after more than one year42€65k€63k▼
Trade debts44€453k€188k▼
Suppliers440/4€453k€188k▼
Taxes, remuneration and social security45€50k€89k▲
Taxes450/3€20k€65k▲
Remuneration and social security454/9€30k€25k▼
Other amounts payable47/48€191k€413k▲
Accrued charges and deferred income492/3€17k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€280k€366k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€93k▲
Other operating charges640/8€8k€4k▼
Gross operating margin9900€360k€511k▲
Operating profit (loss)9901€9k€48k▲
Financial income75/76B€16k€15k▼
Recurring financial income75€16k€15k▼
Financial charges65/66B€23k€23k▲
Recurring financial charges65€23k€23k▲
Profit (loss) for the period before taxes9903€3k€40k▲
Income taxes67/77€4k€21k▲
Profit (loss) for the period9904€-1k€19k▲
Profit (loss) for the period to be appropriated9905€-1k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€17k▲
Profit (loss) brought forward from the previous period14P-€-1k
Transfer to equity691/2€0€17k▲
To other reserves6921€0€17k▲
Social balance
Average headcount (FTE)90875.96.2▲
The notes to these accounts (21 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-1k ▼145%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €506k ▲12%
4 profitable years in a row build equity to €506k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €233k ▲65.2%
Operating result €345k, net result €233k, both a record.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €224k ▲164%
2 profitable years in a row build equity to €224k.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
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
6 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, Nijlen · 1 establishment unit since 2013
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.
Laurys Gewatstraat 242560 NijlenGround area
595 m²
Building footprint
30 m²
Volume, LiDAR
7 m³
Parcel 12026B0234/00D002, Flanders · tallest building 1.8 m. Linked by address, not a title deed.
1 establishment unit
Quality Living
since 20132.221.592.384
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12026B0234/00D002 | Flanders | 595 m² | 1 · 30 m² | 1.8 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 22,368 EUR awarded · 24,256 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 7,500 EUR | 7,500 EUR |
| 2024 | 1 | 5,755 EUR | 7,450 EUR |
| 2023 | 1 | 5,159 EUR | 6,018 EUR |
| 2022 | 1 | 3,954 EUR | 3,288 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 635 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-08-2013
Fiscal year end31-12
Activities, NACEBEL
41003General construction of other non-residential buildings
71112Activities of interior architects
71121Engineering and related technical consultancy, excluding land surveyors
71209Other technical testing and analysis
84249Public administration and defence; compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@qualityliving.be
Phone:0494 76 53 60