QUARTIER
ActiveSummary
QUARTIER has been active since 1965 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.7m and a net result of €714,416. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 2062 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability65▲+19
Solvency46▲+14
Growth75▲+29
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160,000 at 30 days acceptable
Liquidity tight (current ratio 1.11 against 0.99 in 2024; short-term debt: 50.9% and cash: 6.8% of total assets), and 78.6% of the assets are financed with debt.
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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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
21.4%
Return on assets
5.6%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 2062 sector peers (2025).
NBB · sector comparisonPosition among 2062 sector peers
Solvency
better than 22%
← weakest
strongest →
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 10-03-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
1 d early
2023
6 d early
2022
26 d early
2021
5 d early
2020
18 d early
2019
38 d early
← 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 21 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#1 company by total assets in Kuurne, Construction sector#1 oldest company in Kuurne, Construction sector#4 company by equity in Kuurne, Construction sector
Turnover
€29.7m▲ 8.5%
2024 · €27.4m
EBIT margin
4.3%▲ 2.2pp
2024 · 2.2%
Net result
€714,416▲ 189%
2024 · €246,848
Working capital
€693,547
2024 · -€89,304
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€15.9m▼ 7.8%€19.1m▲ 19.9%€24.6m▲ 28.8%€27.4m▲ 11.1%€29.7m▲ 8.5%
Operating result€293,021▼ 55.9%€526,625▲ 79.7%€567,298▲ 7.7%€598,795▲ 5.6%€1.3m▲ 115%
Net result€174,558▼ 72.2%€189,529▲ 8.6%€381,922▲ 102%€246,848▼ 35.4%€714,416▲ 189%
EBIT margin1.8%▼ 2.0pp2.8%▲ 0.9pp2.3%▼ 0.5pp2.2%▼ 0.1pp4.3%▲ 2.2pp
Equity€677,384▼ 64.4%€866,913▲ 28.0%€923,835▲ 6.6%€845,683▼ 8.5%€2.7m▲ 222%
Total assets€9.9m▲ 6.3%€11.5m▲ 15.6%€11.9m▲ 4.0%€12.7m▲ 6.1%€12.7m▲ 0.1%
Debt€9.1m▲ 24.9%€10.5m▲ 15.0%€10.9m▲ 3.9%€11.7m▲ 7.4%€9.9m▼ 15.8%
Working capital-€208,610€218,414€471,923▲ 116%-€89,304€693,547
Staff (FTE)14.8=14.7▼ 0.7%13.5▼ 8.2%17.3▲ 28.1%18▲ 4.0%
Why a figure moved sharply
- 2025 Net result +189%, Equity +222% on 2024. Cause not known from the registers.
- 2023 Net result +102% on 2022. Cause not known from the registers.
- 2021 Net result -72%, Equity -64% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 115% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12.7m
Fixed assets
€5.5m ▲ 16.6%
Current assets
€7.1m ▼ 9.8%
Equity and liabilities €12.7m
Equity
€2.7m ▲ 222%
Provisions
€75,428 ▼ 9.5%
Debt
€9.9m ▼ 15.8%
Debt's share of the balance-sheet total falls from 92.7% to 78.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.6m▲
2024 · €940,169
Cash flow
€1.1m▲
2024 · €588,223
Current ratio
1.11▲
2024 · 0.99
Quick ratio
0.97▲
2024 · 0.88
Debt to equity
3.64▼
2024 · 13.89
ROE
26.3%▼
2024 · 29.2%
ROA
5.6%▲
2024 · 1.9%
Interest coverage
7.58▲
2024 · 3.76
Debt ≤ 1 year
€6.5m▼
2024 · €8.0m
Debt > 1 year
€3.4m▼
2024 · €3.7m
Income taxes
€270,526▲
2024 · €104,571
Staff costs
€1.4m▲
2024 · €1.3m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,600 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
2.0%
stopped otherwise
97%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,600 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €15.9m | €19.7m | €24.9m | €27.6m | €30.2m | ▲ 9.2% |
| Turnover70 | €15.9m | €19.1m | €24.6m | €27.4m | €29.7m | ▲ 8.5% |
| Change in stocks of work in progress, finished goods and contracts in progress71 | -€325,651 | €323,494 | -€95,395 | -€75,246 | €13,511 | ▲ 118% |
| Other operating income74 | €229,104 | €244,925 | €321,377 | €320,763 | €338,697 | ▲ 5.6% |
| Non-recurring operating income76A | €2,262 | - | - | €2,700 | €107,111 | ▲ 3,867% |
| Operating charges60/66A | €15.6m | €19.2m | €24.3m | €27.0m | €28.9m | ▲ 6.9% |
| Goods for resale, raw materials and consumables60 | €11.4m | €14.9m | €19.2m | €22.6m | €24.3m | ▲ 7.7% |
| Purchases600/8 | €11.5m | €15.0m | €19.2m | €22.6m | €24.3m | ▲ 7.3% |
| Change in stocks: decrease (increase)609 | -€64,899 | -€125,097 | €33,899 | -€42,823 | €32,258 | ▲ 175% |
| Services and other goods61 | €2.9m | €3.0m | €3.8m | €2.7m | €2.6m | ▼ 3.8% |
| Remuneration, social security and pensions62 | €859,191 | €947,600 | €982,186 | €1.3m | €1.4m | ▲ 6.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €336,131 | €299,925 | €264,954 | €341,375 | €355,912 | ▲ 4.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | -€46,250 | -€4,087 | €62,778 | ▲ 1,636% |
| Other operating charges640/8 | €49,201 | €37,026 | €85,866 | €62,809 | €108,289 | ▲ 72.4% |
| Non-recurring operating charges66A | €3,328 | - | - | - | €7,747 | - |
| Operating profit (loss)9901 | €293,021 | €526,625 | €567,298 | €598,795 | €1.3m | ▲ 115% |
| Financial income75/76B | €168,818 | €202,692 | €255,989 | €177,719 | €198,320 | ▲ 11.6% |
| Recurring financial income75 | €168,818 | €202,692 | €255,989 | €177,719 | €198,320 | ▲ 11.6% |
| Income from financial fixed assets750 | €1,895 | €1,683 | - | - | - | - |
| Income from current assets751 | - | €2,611 | €0 | - | - | - |
| Other financial income752/9 | €166,923 | €198,398 | €255,989 | €177,719 | €198,320 | ▲ 11.6% |
| Financial charges65/66B | €206,214 | €194,120 | €294,017 | €433,034 | €509,998 | ▲ 17.8% |
| Recurring financial charges65 | €206,214 | €194,120 | €294,017 | €433,034 | €509,998 | ▲ 17.8% |
| Debt charges650 | €94,745 | €100,470 | €124,078 | €250,162 | €216,999 | ▼ 13.3% |
| Other financial charges652/9 | €111,469 | €93,650 | €169,939 | €182,872 | €292,999 | ▲ 60.2% |
| Profit (loss) for the period before taxes9903 | €255,625 | €535,197 | €529,270 | €343,479 | €977,003 | ▲ 184% |
| Transfer from deferred taxes780 | €9,381 | €8,630 | €7,940 | €7,940 | €7,940 | = |
| Income taxes67/77 | €90,448 | €354,299 | €155,288 | €104,571 | €270,526 | ▲ 159% |
| Taxes670/3 | €90,448 | €354,299 | €352,220 | €104,571 | €270,526 | ▲ 159% |
| Tax adjustments and reversals of tax provisions77 | - | - | €196,932 | €0 | - | - |
| Profit (loss) for the period9904 | €174,558 | €189,529 | €381,922 | €246,848 | €714,416 | ▲ 189% |
| Transfer from tax-exempt reserves789 | €28,142 | €25,891 | €23,819 | €23,819 | €23,819 | = |
| Transfer to tax-exempt reserves689 | - | - | - | - | €324,170 | - |
| Profit (loss) for the period to be appropriated9905 | €202,700 | €215,419 | €405,741 | €270,668 | €414,066 | ▲ 53.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €9.9m | €11.5m | €11.9m | €12.7m | €12.7m | ▲ 0.1% |
| Fixed assets21/28 | €4.7m | €4.1m | €4.0m | €4.7m | €5.5m | ▲ 16.6% |
| Intangible fixed assets21 | €144 | - | - | €571,473 | €508,206 | ▼ 11.1% |
| Tangible fixed assets22/27 | €4.3m | €4.0m | €3.8m | €4.0m | €4.8m | ▲ 21.3% |
| Land and buildings22 | €4.1m | €3.9m | €3.7m | €3.7m | €4.7m | ▲ 24.7% |
| Plant, machinery and equipment23 | €67,057 | €36,046 | €12,246 | €83,149 | €57,813 | ▼ 30.5% |
| Furniture and vehicles24 | €129,286 | €73,826 | €44,678 | €150,111 | €95,576 | ▼ 36.3% |
| Financial fixed assets28 | €473,926 | €181,427 | €181,427 | €193,427 | €199,135 | ▲ 3.0% |
| Affiliated companies280/1 | €466,000 | €181,157 | €181,157 | €181,157 | €181,157 | = |
| Participating interests280 | €466,000 | €181,157 | €181,157 | €181,157 | €181,157 | = |
| Other financial fixed assets284/8 | €7,926 | €270 | €270 | €12,270 | €17,978 | ▲ 46.5% |
| Amounts receivable and cash guarantees285/8 | €7,926 | €270 | €270 | €12,270 | €17,978 | ▲ 46.5% |
| Current assets29/58 | €5.2m | €7.3m | €8.0m | €7.9m | €7.1m | ▼ 9.8% |
| Stocks and contracts in progress3 | €618,580 | €1.1m | €937,876 | €905,454 | €886,707 | ▼ 2.1% |
| Stocks30/36 | €456,699 | €581,797 | €547,897 | €590,720 | €558,462 | ▼ 5.5% |
| Raw materials and consumables30/31 | €456,699 | €581,797 | €547,897 | €590,720 | €558,462 | ▼ 5.5% |
| Contracts in progress37 | €161,881 | €485,374 | €389,979 | €314,734 | €328,245 | ▲ 4.3% |
| Amounts receivable within one year40/41 | €4.0m | €5.6m | €6.2m | €6.3m | €5.4m | ▼ 14.5% |
| Trade receivables40 | €2.7m | €5.2m | €5.7m | €5.7m | €4.5m | ▼ 20.9% |
| Other amounts receivable41 | €1.3m | €426,421 | €469,137 | €551,896 | €836,570 | ▲ 51.6% |
| Cash at bank and in hand54/58 | €522,335 | €620,959 | €797,816 | €743,362 | €857,555 | ▲ 15.4% |
| Deferred charges and accrued income490/1 | €12,594 | €19,344 | €13,637 | €12,763 | €46,688 | ▲ 266% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €9.9m | €11.5m | €11.9m | €12.7m | €12.7m | ▲ 0.1% |
| Equity10/15 | €677,384 | €866,913 | €923,835 | €845,683 | €2.7m | ▲ 222% |
| Contributions10/11 | €74,000 | €74,000 | €74,000 | €74,000 | €74,000 | = |
| Capital10 | €74,000 | €74,000 | €74,000 | €74,000 | €74,000 | = |
| Issued capital100 | €74,000 | €74,000 | €74,000 | €74,000 | €74,000 | = |
| Revaluation surpluses12 | - | - | - | - | €1.2m | - |
| Reserves13 | €603,384 | €792,913 | €849,835 | €771,683 | €1.5m | ▲ 92.6% |
| Non-distributable reserves130/1 | €7,400 | €7,400 | €7,400 | €7,400 | €7,400 | = |
| Legal reserve130 | €7,400 | €7,400 | €7,400 | €7,400 | €7,400 | = |
| Tax-exempt reserves132 | €362,125 | €336,234 | €312,415 | €288,595 | €588,946 | ▲ 104% |
| Distributable reserves133 | €233,860 | €449,279 | €530,020 | €475,688 | €889,753 | ▲ 87.0% |
| Provisions and deferred taxes16 | €107,878 | €99,247 | €91,308 | €83,368 | €75,428 | ▼ 9.5% |
| Deferred taxes168 | €107,878 | €99,247 | €91,308 | €83,368 | €75,428 | ▼ 9.5% |
| Amounts payable17/49 | €9.1m | €10.5m | €10.9m | €11.7m | €9.9m | ▼ 15.8% |
| Amounts payable after more than one year17 | €3.7m | €3.4m | €3.4m | €3.7m | €3.4m | ▼ 8.3% |
| Financial debts170/4 | €3.7m | €3.4m | €3.4m | €3.7m | €3.4m | ▼ 8.3% |
| Subordinated loans170 | - | - | - | - | €383,700 | - |
| Credit institutions173 | €3.7m | €3.4m | €3.0m | €3.2m | €2.7m | ▼ 15.6% |
| Other loans174 | - | - | €468,750 | €453,125 | €265,625 | ▼ 41.4% |
| Amounts payable within one year42/48 | €5.4m | €7.1m | €7.5m | €8.0m | €6.5m | ▼ 19.5% |
| Current portion of amounts payable after more than one year42 | €389,664 | €483,992 | €772,358 | €808,600 | €830,894 | ▲ 2.8% |
| Financial debts43 | €1.1m | €1.8m | €2.3m | €2.5m | €1.7m | ▼ 31.9% |
| Credit institutions430/8 | €1.1m | €1.8m | €2.3m | €2.5m | €1.7m | ▼ 31.9% |
| Trade debts44 | €1.7m | €3.2m | €3.8m | €4.2m | €3.7m | ▼ 11.8% |
| Suppliers440/4 | €1.7m | €3.2m | €3.8m | €4.2m | €3.7m | ▼ 11.8% |
| Advances received on contracts in progress46 | - | €1.4m | €93,018 | €0 | - | - |
| Taxes, remuneration and social security45 | €78,408 | €166,302 | €285,777 | €110,183 | €137,612 | ▲ 24.9% |
| Taxes450/3 | €10,177 | €98,929 | €215,758 | €8,509 | €14,581 | ▲ 71.4% |
| Remuneration and social security454/9 | €68,231 | €67,373 | €70,019 | €101,674 | €123,031 | ▲ 21.0% |
| Other amounts payable47/48 | €2.1m | €88,234 | €188,801 | €410,783 | €93,418 | ▼ 77.3% |
| Accrued charges and deferred income492/3 | - | - | €8,640 | €32,576 | €46,389 | ▲ 42.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €174,558 | €189,529 | €381,922 | €246,848 | €714,416 | ▲ 189% |
| + Depreciation and write-downs630 | €336,131 | €299,925 | €264,954 | €341,375 | €355,912 | ▲ 4.3% |
| Operating cash flow (approximation) | €510,689 | €489,454 | €646,876 | €588,223 | €1.1m | ▲ 82.0% |
| Investment in fixed assets (approximation) | - | €292,499 | -€99,880 | -€1.1m | -€1.1m | ▼ 3.7% |
| Change in cash | - | €98,624 | €176,856 | -€54,454 | €114,193 | ▲ 310% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Highest result since 2019net €714,416 ▲189%
Operating result €1.3m, net result €714,416, both a record.
30-09
Financial
Equity above €2mEq €2.7m ▲222%
7 profitable years in a row build equity to €2.7m.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Weakest financial yearnet €174,558 ▼72.2%
Net result drops to €174,558, the lowest in the series; recovery starts the following year.
12-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
21-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 10 acts read
About the unread acts
We know of 10 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 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, Kuurne · 1 establishment unit since 1965
Ground area
1.3 ha
Building footprint
4,179 m²
Volume, LiDAR
12,342 m³
Parcel 34023A0504/00A000, Flanders · tallest building 22.7 m. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Pieter Verhaeghestraat 26, 8520 Kuurne
since 19652.000.646.378
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34023A0504/00A000 | Flanders | 1.3 ha | 1 · 4,179 m² | 22.6 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 owners · 3 holdingsChain of control
- JT HOLDCO
- QUARTIER
Highest known parent: JT HOLDCO. The sources do not say who stands above it.
Owners 2
- JT HOLDCOparentSourceaccounts JT HOLDCO 202550.2%
-
49%
Holdings 3
-
100%
-
100%
-
100%
According to the annual accounts to 30-09-2025 of QUARTIER and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 16,323 EUR awarded · 16,199 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,327 EUR | 1,344 EUR |
| 2024 | 2 | 829 EUR | 10,752 EUR |
| 2023 | 2 | 12,239 EUR | 2,229 EUR |
| 2022 | 1 | 1,928 EUR | 1,874 EUR |
Recognitions · licences · registrations
Recognised contractor
3 categoriesQUARTIER NV30284
Dual-learning approval
5 live approvals · 4 endedMonteur sanitaire en verwarmingsinstallaties duaal (so)
Sanitaire en verwarmingsinstallaties duaal (so)
Technicus installatietechnieken (vwo)
Technicus installatietechnieken duaal (so)
Vakman installatietechnieken (vwo)
Show 4 ended approvals
Monteur centrale verwarming (so)
Sanitair installateur (so)
Monteur centrale verwarming (so)
Sanitair installateur (so)
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Of 7,043 companies in sector 43221 we hold annual accounts for 3,473. 727 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded30-10-1965
Fiscal year end30-09
Activities, NACEBEL 2025
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Contact
E-mail
info@quartier.beKuurne
Phone
056/21 52 77Kuurne
E-invoicing
Reachable via Peppol
Peppol ID
0208:0405361416
Also
9925:BE0405361416
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.