QUALITY & MATTERS
ActiveQUALITY & MATTERS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €-200k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 57% of 7921 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency62▲+5
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days only on tighter terms
Liquidity short (current ratio 0.17 against 0.38 in 2024), and 49.3% 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+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€200k
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
13 d early
2023
14 d early
2022
11 d early
2021
23 d early
2020
16 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€335k▼ 37.4%
2024 · €536k
2018: €431k
2019: €527k
2020: €627k
2021: €684k
2022: €680k
2023: €698k
2024: €536k
2018 → 2025
Total assets
€661k▼ 44.1%
2024 · €1.18M
2018: €1.11M
2019: €1.26M
2020: €1.29M
2021: €2.25M
2022: €2.27M
2023: €1.31M
2024: €1.18M
2018 → 2025
Net result
€-200k▼ 23.4%
2024 · €-162k
2018: €83k
2019: €96k
2020: €100k
2021: €58k
2022: €-5k
2023: €18k
2024: €-162k
2018 → 2025
Working capital
€-269k▲ 27.7%
2024 · €-372k
2018: €-46k
2019: €-122k
2020: €-34k
2021: €-493k
2022: €-204k
2023: €-223k
2024: €-372k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€684k-€680k▼ 0.7%€698k▲ 2.7%€536k▼ 23.3%€335k▼ 37.4%
Operating result€81k-€16k▼ 79.8%€69k▲ 319%€-166k€2k
Net result€58k-€-5k€18k€-162k€-200k▼ 23.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €2k after a loss of €166k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661k
Fixed assets
€604k▼ 36.4%
Current assets
€57k▼ 75.6%
Equity and liabilities €661k
Equity
€335k▼ 37.4%
Debt
€326k▼ 49.7%
The debt ratio falls from 54.7% to 49.3%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€78k▲
2024 · €-88k
Cash flow
€-124k▼
2024 · €-85k
Solvency
50.7%▲
2024 · 45.3%
Current ratio
0.17▼
2024 · 0.38
Quick ratio
0.17▼
2024 · 0.38
Debt / equity
0.97▼
2024 · 1.21
ROE
-59.8%▼
2024 · -30.3%
ROA
-30.3%▼
2024 · -13.7%
Interest coverage
18.33▲
2024 · -7.79
Debt
€326k▼
2024 · €647k
Debt ≤ 1 year
€326k▼
2024 · €604k
Income taxes
€291▼
2024 · €314
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€1.18M€661k▼
Fixed assets21/28€951k€604k▼
Tangible fixed assets22/27€271k€238k▼
Land and buildings22€245k€233k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€3k€3k▼
Leasing and similar rights25€21k€0▼
Financial fixed assets28€679k€366k▼
Current assets29/58€232k€57k▼
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€227k€52k▼
Trade receivables40€216k€33k▼
Other amounts receivable41€11k€20k▲
Cash at bank and in hand54/58€858€1k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.18M€661k▼
Equity10/15€536k€335k▼
Contributions10/11€319k€319k=
Reserves13€376k€376k=
Distributable reserves133€376k€376k=
Profit (loss) carried forward14€-160k€-360k▼
Amounts payable17/49€647k€326k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€604k€326k▼
Current portion of amounts payable after more than one year42€25k€6k▼
Financial debts43-€186
Credit institutions430/8-€186
Trade debts44€122k€22k▼
Suppliers440/4€122k€22k▼
Taxes, remuneration and social security45€170€4k▲
Taxes450/3€170€4k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€456k€293k▼
Accrued charges and deferred income492/3€43k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€76k▼
Other operating charges640/8€8k€6k▼
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€-78k€84k▲
Operating profit (loss)9901€-166k€2k▲
Financial income75/76B€15k€15k▼
Recurring financial income75€15k€15k▼
Financial charges65/66B€11k€217k▲
Recurring financial charges65€11k€4k▼
Non-recurring financial charges66B-€213k
Profit (loss) for the period before taxes9903€-162k€-200k▼
Income taxes67/77€314€291▼
Profit (loss) for the period9904€-162k€-200k▼
Profit (loss) for the period to be appropriated9905€-162k€-200k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-162k€-360k▼
Profit (loss) brought forward from the previous period14P-€-160k
Transfer from equity791/2€3k€0▼
Transfer to equity691/2€0-
To other reserves6921€0-
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-200k
Net result drops to €-200k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €100k ▲3.9%
Net result €100k, the highest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €500kEq €527k ▲22.2%
2 profitable years in a row build equity to €527k.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
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, Brasschaat · 1 establishment unit since 2003
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.
Guyotdreef 672930 BrasschaatGround area
2.2 ha
Building footprint
3,425 m²
Volume, LiDAR
2,238 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
"Q&M FRESH FOOD MARKET", "QUALITY AND MATTERS FRESH FOOD MARKET"
since 20032.133.384.445
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46016D1373/00G000 | Flanders | 1.8 ha | 1 · 2,958 m² | 0.9 m |
| 11008G0050/00C000 | Flanders | 4,722 m² | 1 · 467 m² | 8.8 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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VICI COM
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Of 1,043 companies in sector 46341 we hold annual accounts for 530. 347 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2003
Fiscal year end31-12
Abbreviation NL
Q&M
Activities, NACEBEL
46341Wholesale of wines and spirits
74142
46370Wholesale trade
47279Other retail sale of food
47299Retail trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.