Financials
- Fiscal year
- 2025
- Total assets
- €297,198
- Loss
- -€33,424
- Solvency
- 93.7%
Total assets▼ 9.4%
Net result
20182025
Quality time @ home
ActiveSummary
Quality time @ home has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €278,510 and a net result of -€33,424. Equity is growing by ~21.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 1103 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Civil engineering
NACE 42990
1 site
Size
€297,198total assets 2025
- Equity
- €278,510
- Loss
- -€33,424
Turnover not published (abridged schema)
Structure
Accounts filed 15 d late0 of 3 deeds read
Why 95- Loss of €33,424 (FY 2025)+ Liquidity: current ratio 14.91, cash €229,947+ Equity €278,510 (93.7% of total assets)+ Size: total assets €297,198Show the evidence
Checked score
Score 2025
95
/ 100
Excellent
Probability in this band: under 0.55%
Better than 57% of its sector peers (NACE 42, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 93.7% of total assets
Liquidity
100=
short-term debt 6.2% · cash 77.4%
Profitability
5-77
return on assets -11.2%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 13 months
10-2025: < 0.1%
11-2025: < 0.1%● 0.0% vs 10-2025
12-2025: < 0.1%● 0.0% vs 11-2025
01-2026: < 0.1%▼ -6.1% vs 12-2025lowest value
02-2026: < 0.1%● 0.0% vs 01-2026lowest value
03-2026: < 0.1%● 0.0% vs 02-2026lowest value
04-2026: < 0.1%▲ +3.2% vs 03-2026
05-2026: < 0.1%● 0.0% vs 04-2026
06-2026: < 0.1%▲ +3.1% vs 05-2026
07-2026: < 0.1%▲ +6.1% vs 06-2026
08-2026: < 0.1%▲ +40.0% vs 07-2026
09-2026: 0.1%▲ +46.9% vs 08-2026highest value
10-2026: 0.1%● 0.0% vs 09-2026highest value
- Liquidity: current ratio 14.91, cash €229,947 lowers the probability
- Loss of €33,424 (FY 2025) raises the probability
- Equity €278,510 (93.7% of total assets) lowers the probability
- Size: total assets €297,198 lowers the probability for this profile
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 14.91 against 19.43 in 2024; short-term debt: 6.2% and cash: 77.4% of total assets), and 6.3% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 42, micro). Better than this share of them on solvency 92%, liquidity 98%, profitability 11%, growth against the median 25%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-08-2026, 15 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
15 d late
2024
9 d late
2023
6 d early
2022
1 d late
2021
31 d late
2020
143 d late
2019
340 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 76 days after the deadline; the sector median for financial year 2024 is 2 days before the deadline, and 41% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 9 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet -€33,424
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 16
- Since
- 2017
- Next accounts
- by 31-07-2027
- 15-08-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 09-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Civil engineeringNACE 42990
- Founded
- 13-02-2012
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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