QUARTO
ActiveQUARTO has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €579k and a net result of €37k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-68
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 9.03 against 14.19 in 2024), and 6.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
93.5%
Return on assets
5.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
26 d late
2023
27 d early
2022
31 d early
2021
38 d early
2020
31 d early
2019
80 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€37k▼ 78.0%
2024 · €167k
2018: €27k
2019: €14k
2020: €20k
2021: €19k
2022: €74k
2023: €110k
2024: €167k
2018 → 2025
Working capital
€322k▲ 18.1%
2024 · €273k
2018: €-18k
2019: €-28k
2020: €-33k
2021: €-40k
2022: €2k
2023: €101k
2024: €273k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€191k-€265k▲ 38.6%€375k▲ 41.7%€542k▲ 44.6%€579k▲ 6.8%
Operating result€27k-€96k▲ 250%€149k▲ 55.0%€246k▲ 64.7%€55k▼ 77.6%
Net result€19k-€74k▲ 292%€110k▲ 49.5%€167k▲ 51.5%€37k▼ 78.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 78% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €619k
Fixed assets
€256k▼ 4.7%
Current assets
€362k▲ 23.5%
Equity and liabilities €619k
Equity
€579k▲ 6.8%
Debt
€40k▲ 93.9%
The debt ratio rises from 3.7% to 6.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€68k▼
2024 · €258k
Cash flow
€49k▼
2024 · €179k
Solvency
93.5%▼
2024 · 96.3%
Current ratio
9.03▼
2024 · 14.19
Quick ratio
9.03▼
2024 · 14.19
Debt / equity
0.07▲
2024 · 0.04
ROE
6.3%▼
2024 · 30.8%
ROA
5.9%▼
2024 · 29.7%
Interest coverage
193.28▼
2024 · 704.06
Debt
€40k▲
2024 · €21k
Debt ≤ 1 year
€40k▲
2024 · €21k
Income taxes
€19k▼
2024 · €78k
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€563k€619k▲
Formation expenses20€0€0=
Fixed assets21/28€269k€256k▼
Tangible fixed assets22/27€269k€256k▼
Land and buildings22€249k€241k▼
Plant, machinery and equipment23€11k€10k▼
Furniture and vehicles24€9k€6k▼
Financial fixed assets28€37€37=
Current assets29/58€293k€362k▲
Amounts receivable within one year40/41€41k€72k▲
Trade receivables40€2k€45k▲
Other amounts receivable41€39k€27k▼
Cash at bank and in hand54/58€252k€290k▲
Deferred charges and accrued income490/1€596€328▼
Equity and liabilities
Total equity and liabilities10/49€563k€619k▲
Equity10/15€542k€579k▲
Contributions10/11€20k€20k=
Reserves13€167k€204k▲
Distributable reserves133€167k€204k▲
Profit (loss) carried forward14€355k€355k=
Amounts payable17/49€21k€40k▲
Amounts payable within one year42/48€21k€40k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€4k€29k▲
Suppliers440/4€4k€29k▲
Taxes, remuneration and social security45€17k€11k▼
Taxes450/3€17k€11k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€260k€71k▼
Operating profit (loss)9901€246k€55k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€366€350▼
Recurring financial charges65€366€350▼
Profit (loss) for the period before taxes9903€245k€56k▼
Income taxes67/77€78k€19k▼
Profit (loss) for the period9904€167k€37k▼
Profit (loss) for the period to be appropriated9905€167k€37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€522k€391k▼
Profit (loss) brought forward from the previous period14P€354k€355k=
Transfer to equity691/2€167k€37k▼
To other reserves6921€167k€37k▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €167k ▲51.5%
Operating result €246k, net result €167k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 14.19
Current ratio from 5.08 to 14.19; short-term debt falls from €25k to €21k.
31-12
Financial
Equity above €500kEq €542k ▲44.6%
7 profitable years in a row build equity to €542k.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 5.08
Current ratio from 1.02 to 5.08; short-term debt falls from €69k to €25k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity doublescurrent ratio 1.02
Current ratio from 0.45 to 1.02; short-term debt falls from €72k to €69k.
31-12
Financial
Equity above €200kEq €265k ▲38.6%
5 profitable years in a row build equity to €265k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 80 days late
2019
31-12
Financial
Weakest financial yearnet €14k ▼47.1%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €153k ▲10.4%
2 profitable years in a row build equity to €153k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sprimont · 1 establishment unit since 1995
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.
Rue de la Chera(LVG) 174141 SprimontGround area
2,117 m²
Building footprint
186 m²
Parcel 62067E0342/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de la Chera(LVG) 17, 4141 Sprimont
since 19952.070.315.837
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62067E0342/00E000 | Wallonia | 2,117 m² | 1 · 186 m² | - |
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.
Similar companies · same sector, comparable size
SOHO
BE 0471.479.584
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NED FIN BVBA
BE 0860.864.409
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CGEM
BE 0831.819.639
Charleroi · Eq €579k
Finneo
BE 0823.820.604
Huldenberg · Eq €579k
A.M.P.
BE 0442.969.801
Genk · Eq €579k
Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 33,338 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-1995
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.