Equity
€95,483 ▲ 246%
Equity rose in 2025 from €27,571 to €95,483.
Quartech
Overview
Lifetime
2 annual accounts with figures on one time axispeak €98,306 (2025)
€98,306▲ 188%
peak €67,912 (2025)
€67,912▲ 201%
peak €95,483 (2025)
€95,483▲ 246%
€57,200▼ 15.8%
Board1 name since 2024
1 directorQUARTIER Thomas
Documentsfilings and deeds
23-04-20267 days before the deadline
2025micro format
Gross margin from €34,134 to €98,306Result from €22,571 to €67,912Equity from €27,571 to €95,483Debts from €67,972 to €57,200Cash from €38,159 to €79,057
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 78% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2025: 0.4%highest value
05-2025: < 0.1%▼ -0.4 percentage points vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: 0.1%▲ +0.1 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: < 0.1%▼ -0.1 percentage points vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 3.43, cash €79,057
Equity €95,483 (62.5% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 55% of them on solvency, 81% on liquidity, 82% on profitability and 96% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Quartech has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Quartech itself is lower: < 0.1% within 12 months. It rests on far more data about Quartech than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Quartech. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €9,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 3.43 (1.5 in 2024), above the usual 1.5. Short-term debt is 21.9% and cash 51.8% of total assets. 37.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
7 days early
2024
2 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 5 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1007798920
Incorporation
Founding capital of €5,000, 50 shares · Founder: QUARTIER Thomas · Appointment: QUARTIER Thomas (director) · published on 03-04-2024 · Gazette deed
First establishment
Brugsestraat 54, Zedelgem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Quartech Zedelgem | €152,683 | €98,306 | 62.5% | - |
| HOOGROOD Bruges | €145,806 | €101,894 | 55.0% | - |
| B-Six Consulting Ypres | €162,490 | €110,961 | 78.9% | - |
| Cortrix Menen | €161,012 | €94,113 | 62.0% | - |
| AVIT Consulting Roeselare | €179,431 | €104,086 | 66.1% | - |
| CODEST Zonnebeke | €141,881 | €85,378 | 85.8% | - |
| Digital Circle Kontich | €154,118 | €102,080 | 77.1% | - |
These companies have the same main activity as Quartech: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €142,000 and €179,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 29-03-2024Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 4 others
- Establishment unit
- 2.357.964.7838211 Zedelgem, since 29-03-2024
- Financial year end
- 30 September
- Peppol
- Reachable since 13-05-2024
Annual accounts to 30-09-2025
- €98,306▲ 188%
- €67,912▲ 201%
- €95,483▲ 246%
- €152,683▲ 59.8%
- Filing
- Filed on 23-04-2026, 7 days before the end of the filing period
Insights on Quartech
Quartech has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95,483 and a net result of €67,912.
Its solvency ranks better than 53% of 21,208 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 23-04-2026, 7 days before the deadline€98,306
▲ 188%
€87,718
▲ 196%
€67,912
▲ 201%
€81,486
▲ 358%
62.5%
▲ 33.7 percentage points
3.43
▲ 1.94
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €190,000. Estimated: probably between €170,000 and €250,000.
Balance sheet
balance sheet total €152,683 on 30-09-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
62.5%
Higher than 53% of 21,208 companies in 2025.
3.43
Higher than 63% of 20,571 companies in 2025.
44.5%
Higher than 82% of 20,746 companies in 2025.
Quartech
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
152,683 | 95,543 | |
21/28 |
37,700 | 41,978 | |
22/27 |
37,700 | 41,978 | |
23 |
1,937 | 2,487 | |
24 |
35,763 | 39,491 | |
29/58 |
114,983 | 53,566 | |
40/41 |
21,663 | 13,643 | |
40 |
21,663 | 13,643 | |
54/58 |
79,057 | 38,159 | |
490/1 |
14,262 | 1,764 | |
| Balance sheet: equity and liabilities | |||
10/49 |
152,683 | 95,543 | |
10/15 |
95,483 | 27,571 | |
10/11 |
5,000 | 5,000 | |
14 |
90,483 | 22,571 | |
17/49 |
57,200 | 67,972 | |
17 |
23,703 | 32,190 | |
170/4 |
23,703 | 32,190 | |
42/48 |
33,497 | 35,783 | |
42 |
8,486 | 8,127 | |
44 |
1,700 | 1,702 | |
440/4 |
1,700 | 1,702 | |
45 |
20,521 | 10,501 | |
450/3 |
18,321 | 8,301 | |
454/9 |
2,200 | 2,200 | |
47/48 |
2,790 | 15,452 | |
| Income statement | |||
9900 |
98,306 | 34,134 | |
630 |
10,044 | 4,372 | |
640/8 |
544 | 77 | |
9901 |
87,718 | 29,684 | |
75/76B |
6 | 0 | |
75 |
6 | 0 | |
65/66B |
1,665 | 890 | |
65 |
1,665 | 890 | |
9903 |
86,059 | 28,795 | |
67/77 |
18,147 | 6,224 | |
9904 |
67,912 | 22,571 | |
9905 |
67,912 | 22,571 | |
| Appropriation of the result | |||
9906 |
90,483 | 22,571 | |
14P |
22,571 | - | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 23-04-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 97,762 | 34,057 | ||
| 77,956 | 26,943 | ||
| 5,766 | 46,350 | ||
| 40,898 | - | ||
| 81,486 | 17,783 | ||
| 62.5% | 28.9% | ||
| 3.43 | 1.50 | ||
| 0.60 | 2.47 | ||
| 71.1% | 81.9% | ||
| 44.5% | 23.6% | ||
| 58.71 | 38.28 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 |
|---|---|---|
| Tangible fixed assets | €5,766 | €46,350 |
| €10,044 | €4,372 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on Quartech
The operating result for 2025 is 196% higher than in 2024.
Debt's share of the balance-sheet total falls from 71.1% to 37.5%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector
appointed by deed of 03-04-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 23-04-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 03-04-2024
Mandates through the years
1 name, the dashed line is todayQUARTIER Thomas
Director
Director
Board
Mandates as a list
- QUARTIER Thomas
- Director, appointed by deed of 03-04-2024, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 50
- Contribution per share
- €100
- Equity per share
- €1,910 in 2025
- Source
- deed of 03-04-2024
Articles of association
deed of 03-04-2024 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Indien geen andere vereffenaar benoemd, één of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen”
Shareholders
At incorporation
deed of 03-04-2024 ↗
- QUARTIER Thomas 50 shares (100%) · €5,000
Network & group
No group
Quartech has no parent and no holdings in its annual accounts. QUARTIER Thomas is the only director. Quartech shares no director with another company.
Timeline
Timeline
6 events since 2024Filings
Financial
Establishments
202420252026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · 7 days before the deadline
2025
Liquidity more than doubled current ratio 3.43 The current ratio rises from 1.50 to 3.43. Short-term debt falls from €35,783 to €33,497.
Annual accounts 2024 filed PDFmicro format · 2 days before the deadline
2024
Registered in the Peppol Directory Reachable for e-invoices through 0208:1007798920
IncorporationFounding capital of €5,000, 50 shares · Founder: QUARTIER Thomas · Appointment: QUARTIER Thomas (director) · published on 03-04-20244 points ▸
- Founder, QUARTIER Thomas
- Founding capital, €5,000, 50 shares
- Director appointment, QUARTIER Thomas
- Permanent representative, QUARTIER Thomas
- The deed holds 5 more points.
First establishment Brugsestraat 54, Zedelgem
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Quartech was incorporated on 29 March 2024 as a private limited company by one natural person, with a starting capital of €5,000.12 QUARTIER Thomas is director of the company, appointed by deed of 03-04-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1007.798.920
- VAT number
- BE 1007.798.920
- Peppol ID
- 0208:1007798920
- Other Peppol ID
- 9925:BE1007798920
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-03-2024
- Financial year
- ends on 30 September
- Peppol
- Reachable since 13-05-2024Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Quartech in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 03-04-2024 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 03-04-2024 (in Dutch)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
62100
Computer programming
Codes under NACEBEL 2008
62020
IT consultancy main activity
43211
Specialised construction activities
62010
Computer programming, consultancy and related activities
64200
Holdings
70100
Activities of head offices
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Alle IT-diensten als consultant; Ontwerpen en programmeren van computerprogramma’s; Computerconsultancy-activiteiten; Activiteiten van…”deed of 03-04-2024 (in Dutch)
26 activities
- Alle IT-diensten als consultant;
- Ontwerpen en programmeren van computerprogramma’s;
- Computerconsultancy-activiteiten;
- Activiteiten van systeemintegrators;
- Management en consultancy;
- Elektrotechnische installatiewerken aan gebouwen;
- Leveren en plaatsen van zonnepanelen;
- Installatie van hulpvoedingssystemen;
- Installatie van elektrische bedrading en toebehoren;
- Ingenieurs en aanverwante technische adviseurs exclusief landmeters;
- Het besturen en leiden van vennootschappen,ondernemingen en verenigingen,met eender welk voorwerp,en de onderafdelingen daarvan,welke ook de betiteling daarvan is;
- Het geven van adviezen,het opmaken van studies,het voorbereiden en opstarten van organisatiesystemen,het in toepassing brengen van systemen voor gegevensverwerking en alle technieken in verband met het technisch,administratief,economisch,sociaal en algemeen beheer van ondernemingen van industriële of dienstverlenende aard;
- Het verzorgen van alle mogelijke administratieve en secretariaatsdiensten in de meest ruime zin,het verstrekken van documentatie;vertaalopdrachten;
- Het verstrekken en de begeleiding van (beroeps)opleidingen,onderwijs,(her)scholing en dit zowel op permanente als op occasionele wijze,zowel volgens de traditionele onderwijsmethodes,als schriftelijk of audiovisueel;
- De aan- en verkoop,het laten bouwen en doen verbouwen,het ruilen,beheren,de instandhouding,het schatten,het uitbaten,het in waarde brengen,het huren en verhuren van alle onroerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van onroerende goederen te bevorderen,zoals het onderhoud,de ontwikkeling,de verfraaiing en de verhuring van deze goederen,alsmede zich borg stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze onroerende goederen;
- Het beheer van roerende waarden,dit voor eigen rekening of in deelneming met derden;
- Het aanzoeken,verwerven,afstaan,verhandelen,verpachten en uitbaten van allerhande concessies,brevetten,licenties en andere intellectuele rechten;
- De vennootschap handelt voor eigen rekening,in commissie,als tussenpersoon of als vertegenwoordiger;Zij mag haar onroerende goederen,met inbegrip van het handelsfonds,in pand stellen en mag aval verlenen voor alle leningen,kredietopeningen en andere verbintenissen zowel voor haarzelf als voor alle derden op voorwaarde dat zij er zelf belang bij heeft;
- Het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties,kasbons of andere roerende waarden van welke vorm ook,van Belgische of buitenlandse bestaande of nog op te richten vennootschappen;
- Het bevorderen van de oprichting van vennootschappen door inbreng,participatie of investering;
- Het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren onder om het even welke vorm;in dit kader kan zij ook borg stellen of aval verlenen,in de meest ruime zin,alle handels-financiële operaties verrichten,behalve die welke wettelijk voorbehouden zijn aan de depositobanken,houders van deposito’s op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatieondernemingen;
- Het optreden als tussenpersoon bij onderhandelingen door gehele of gedeeltelijke overname van aandelen en vastrentende waarden door intekening,waarborg,plaatsing,verhandeling,of anderszins,alsmede het verwezenlijken van om het even welke verrichting inzake portefeuille-en kapitaalbestuur;
- Zij kan alle hoegenaamde financiële,commerciële,industriële,burgerlijke,roerende en onroerende verrichtingen uitvoeren,die rechtstreeks of onrechtstreeks in verband staan met haar voorwerp of van aard zijn dit te begunstigen.Zij mag bij middel van inbreng,afstand,onderschrijving,deelneming,samensmelting,financiële tussenkomst,aankoop,verkoop,ruiling van alle roerende of onroerende goederen of op om het even welke manier belangen nemen in alle bestaande of toekomstige vennootschappen,ondernemingen of verenigingen,zowel in België of in het buitenland,welke ook hun vorm weze;
- De vennootschap mag zich borg stellen of zakelijke zekerheden verlenen ten voordele van ondernemingen of vennootschappen waarin ze belangen bezit als mede-eigenaar,vennoot/aandeelhouder,schuldeiser of op andere wijze;
- Het ontwikkelen,kopen,verkopen,in licentie nemen of geven van octrooien,knowhow en aanverwante immateriële duurzame activa;
- De aan- en verkoop,in- en uitvoer,commissiehandel en vertegenwoordiging van om het even welke goederen,in het kort een tussenpersoon in handel.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Brugsestraat 54 registered office 8211 Zedelgem | 29-03-2024 | 2.357.964.783 |
Buildings and parcels at the address
- Ground area
- 486 m²
- Buildings
- 156 m²
- Volume, LiDAR
- 882 m³
- Tallest building
- 11.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 31001B1166/00S006 | 486 m² | 1 · 156 m² | 11.2 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1007.798.920