QUATTRO
ActiveQUATTRO has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €388k and a net result of €-20k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 74% of 9625 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability15▲+3
Solvency87=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days only on tighter terms
Liquidity ample (current ratio 2.6 against 2.64 in 2023; short-term debt: 37.6% and cash: 4.3% of total assets), and 38.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
61.5%
Return on assets
-3.2%
Age of the figures
24 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-20k
raises risk · Annual accounts not filed
The financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 140 days later.
NBB · 10 filingsPosition against the passed deadline
30-09-2025 close30-04-2026 deadline17-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2024 was due by 30-04-2025 and was filed on 30-04-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
on the day
2023
4 d early
2022
3 d early
2021
1 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€388k▼ 4.9%
2023 · €408k
2018: €439k
2019: €440k
2020: €449k
2021: €455k
2022: €444k
2023: €408k
2018 → 2024
Total assets
€631k▼ 4.1%
2023 · €658k
2018: €660k
2019: €661k
2020: €682k
2021: €682k
2022: €745k
2023: €658k
2018 → 2024
Net result
€-20k▲ 43.6%
2023 · €-36k
2018: €322
2019: €134
2020: €9k
2021: €6k
2022: €-11k
2023: €-36k
2018 → 2024
Working capital
€378k▼ 5.9%
2023 · €402k
2018: €427k
2019: €435k
2020: €442k
2021: €448k
2022: €438k
2023: €402k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€449k-€455k▲ 1.3%€444k▼ 2.4%€408k▼ 8.0%€388k▼ 4.9%
Operating result€23k-€18k▼ 20.3%€-3k€-26k▼ 815%€-7k▲ 75.0%
Net result€9k-€6k▼ 37.1%€-11k€-36k▼ 222%€-20k▲ 43.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2024 against €26k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €631k
Fixed assets
€16k▲ 38.1%
Current assets
€615k▼ 4.9%
Equity and liabilities €631k
Equity
€388k▼ 4.9%
Debt
€243k▼ 2.9%
The debt ratio rises from 38.0% to 38.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k▲
2023 · €-25k
Cash flow
€-18k▲
2023 · €-34k
Solvency
61.5%▼
2023 · 62.0%
Current ratio
2.60▼
2023 · 2.64
Quick ratio
0.47▼
2023 · 0.51
Debt / equity
0.63▲
2023 · 0.61
ROE
-5.2%▲
2023 · -8.7%
ROA
-3.2%▲
2023 · -5.4%
Interest coverage
-0.34▲
2023 · -2.73
Debt
€243k▼
2023 · €250k
Debt ≤ 1 year
€237k▼
2023 · €245k
Staff costs
€139k▼
2023 · €177k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€658k€631k▼
Fixed assets21/28€11k€16k▲
Tangible fixed assets22/27€6k€11k▲
Plant, machinery and equipment23€6k€9k▲
Furniture and vehicles24-€1k
Financial fixed assets28€5k€5k=
Current assets29/58€647k€615k▼
Stocks and contracts in progress3€523k€503k▼
Stocks30/36€523k€503k▼
Amounts receivable within one year40/41€51k€49k▼
Trade receivables40€26k€26k▼
Other amounts receivable41€25k€24k▼
Cash at bank and in hand54/58€27k€27k▲
Deferred charges and accrued income490/1€46k€36k▼
Equity and liabilities
Total equity and liabilities10/49€658k€631k▼
Equity10/15€408k€388k▼
Contributions10/11€223k€223k=
Capital10€223k€223k=
Issued capital100€223k€223k=
Reserves13€222k€222k=
Non-distributable reserves130/1€22k€22k=
Legal reserve130€22k€22k=
Distributable reserves133€199k€199k=
Profit (loss) carried forward14€-36k€-56k▼
Amounts payable17/49€250k€243k▼
Amounts payable within one year42/48€245k€237k▼
Current portion of amounts payable after more than one year42€125k€125k=
Trade debts44€73k€73k▼
Suppliers440/4€73k€73k▼
Taxes, remuneration and social security45€38k€30k▼
Taxes450/3€6k€578▼
Remuneration and social security454/9€32k€30k▼
Other amounts payable47/48€9k€9k▲
Accrued charges and deferred income492/3€5k€6k▲
Income statement
Code20232024
Remuneration, social security and pensions62€177k€139k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€156k€138k▼
Operating profit (loss)9901€-26k€-7k▲
Financial income75/76B€19€0▼
Recurring financial income75€19€0▼
Financial charges65/66B€9k€13k▲
Recurring financial charges65€9k€13k▲
Profit (loss) for the period before taxes9903€-36k€-20k▲
Profit (loss) for the period9904€-36k€-20k▲
Profit (loss) for the period to be appropriated9905€-36k€-20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-56k▼
Profit (loss) brought forward from the previous period14P€-892€-36k▼
Social balance
Average headcount (FTE)90874.43.9▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Highest result since 2018net €9k ▲6892%
Operating result €23k, net result €9k, both a record.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
30-03
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.
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, Geetbets · 1 establishment unit since 1988
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.
Steenstraat 4B3450 GeetbetsGround area
1,041 m²
Parcel 24028C0164/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
QUATTRO
since 19882.035.871.929
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24028C0164/00P000 | Flanders | 1,041 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 3,563 EUR awarded · 3,563 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 3,563 EUR | 3,563 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 12,979 companies in sector 47120 we hold annual accounts for 2,186. 1,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-02-1988
Fiscal year end30-09
Activities, NACEBEL
47120Other non-specialised retail sale
47191Retail trade
52121
52122
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.