QUATTROMANI
ActiveSummary
QUATTROMANI has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €9k and a net result of €-4k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 13% of 11615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability15▼-36
Solvency33▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 8.04 against 5.42 in 2023; short-term debt: 12.4% and cash: 6.6% of total assets), but 91.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 71
Relative position
BE, all sectors
reference
Sector 71
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
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
8.2%
Return on assets
-3.2%
Age of the figures
21 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 €-4k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 11615 sector peers (2024).
NBB · sector comparisonPosition among 11615 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
30 d late
2022
184 d late
2021
20 d late
2020
47 d late
2019
7 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€9k▼ 28.1%
2023 · €13k
2018: €9k
2019: €6k
2020: €14k
2021: €13k
2022: €17k
2023: €13k
2018 → 2024
Total assets
€115k▼ 10.5%
2023 · €129k
2018: €131k
2019: €113k
2020: €125k
2021: €118k
2022: €119k
2023: €129k
2018 → 2024
Net result
€-4k▼ 6.2%
2023 · €-3k
2018: €2k
2019: €-4k
2020: €8k
2021: €-946
2022: €4k
2023: €-3k
2018 → 2024
Working capital
€101k▼ 3.7%
2023 · €105k
2018: €-22k
2019: €-19k
2020: €-4k
2021: €1k
2022: €12k
2023: €105k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€14k-€13k▼ 6.9%€17k▲ 28.7%€13k▼ 20.9%€9k▼ 28.1%
Operating result€9k-€-584€4k€-3k€-2k▲ 21.7%
Net result€8k-€-946€4k€-3k€-4k▼ 6.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2024 against €3k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €115k
Equity
€9k ▼ 28.1%
Debt
€106k ▼ 8.5%
Debt's share of the balance-sheet total rises from 89.8% to 91.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-2k▼
2023 · €1k
Cash flow
€-3k▼
2023 · €1k
Current ratio
8.04▲
2023 · 5.42
Quick ratio
1.17▼
2023 · 1.74
Debt to equity
11.22▲
2023 · 8.82
ROE
-39.0%▼
2023 · -26.4%
ROA
-3.2%▼
2023 · -2.7%
Interest coverage
-2.58▼
2023 · 4.30
Debt ≤ 1 year
€14k▼
2023 · €24k
Debt > 1 year
€91k=
2023 · €91k
Income taxes
€348
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€129k€115k▼
Fixed assets21/28€249-
Tangible fixed assets22/27€249-
Plant, machinery and equipment23€249-
Current assets29/58€128k€115k▼
Stocks and contracts in progress3€87k€98k▲
Stocks30/36€87k€98k▲
Amounts receivable within one year40/41€37k€9k▼
Trade receivables40€37k€9k▼
Other amounts receivable41€14-
Cash at bank and in hand54/58€4k€8k▲
Deferred charges and accrued income490/1-€317
Equity and liabilities
Total equity and liabilities10/49€129k€115k▼
Equity10/15€13k€9k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-7k€-11k▼
Amounts payable17/49€115k€106k▼
Amounts payable after more than one year17€91k€91k=
Financial debts170/4€91k€91k=
Amounts payable within one year42/48€24k€14k▼
Trade debts44€20k€2k▼
Suppliers440/4€20k€2k▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€1k€10k▲
Accrued charges and deferred income492/3€445-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€249▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€2k€-599▼
Operating profit (loss)9901€-3k€-2k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€308€859▲
Recurring financial charges65€308€859▲
Profit (loss) for the period before taxes9903€-3k€-3k▲
Income taxes67/77-€348
Profit (loss) for the period9904€-3k€-4k▼
Profit (loss) for the period to be appropriated9905€-3k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-11k▼
Profit (loss) brought forward from the previous period14P€-4k€-7k▼
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
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 184 days late
2023
31-12
Financial
Liquidity times 5current ratio 5.42
Current ratio from 1.12 to 5.42; short-term debt falls from €102k to €24k.
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 20 days late
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 47 days late
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-4k ▼338%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 57 days late
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, Ranst · 1 establishment unit since 2001
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.
Broechemhof 62520 RanstGround area
5,012 m²
Building footprint
505 m²
Volume, LiDAR
3,030 m³
Parcel 11010A0226/00N000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Broechemhof 6, 2520 Ranst
since 20012.069.093.439
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11010A0226/00N000 | Flanders | 5,012 m² | 1 · 505 m² | 9.2 m · 2 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Aino-Jane
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Gent · Eq €9,517
HINT
BE 1021.962.306
Hoogstraten · Eq €9,267
Going Beyond
BE 0760.819.203
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FUL Lighting
BE 0719.555.304
Hasselt · Eq €9,646
Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 769 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-1994
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.