qubus

Active

Private limited companyfounded 20169 yrs activeKardinaal Mercierplein 2, 2800 Mechelen, BelgiumKBO/BCE: BE 0667.781.949

Summary

qubus has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €232,646 and a net result of €132,696. Its solvency ranks better than 80% of 2997 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

qubusActiveChecked score 98/100

Risk analysis Report Compare

Activity

Computer programming

NACE 62100NACE 62010

1 site

Size

€293,626total assets 2025

Equity: €232,646
Profit: €132,696

Turnover not published (abridged schema)

Financial health

98 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts filed 32 d late0 of 3 deeds read

Why 98- Latest accounts 32 days late; 1 of the last 3 late+ Liquidity: current ratio 3.94, cash €123,959+ Sector Computer programming, consultancy and related activities (NACE 62)+ Equity €232,646 (79.2% of total assets)Show the evidence

Checked score

Score 2025

98 / 100

Excellent

Probability in this band: under 0.55%

Better than 83% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 100

equity 79.2% of total assets

Liquidity 93

short-term debt 20.7% · cash 42.2%

Profitability 100

return on assets 45.2%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,520 companies)

Last 15 months 08-2025: 0.4%highest value 09-2025: 0.4%● 0.0% vs 08-2025highest value 10-2025: 0.4%● 0.0% vs 09-2025highest value 11-2025: 0.4%● 0.0% vs 10-2025highest value 12-2025: 0.4%● 0.0% vs 11-2025highest value 01-2026: 0.4%● 0.0% vs 12-2025highest value 02-2026: 0.4%▼ -3.4% vs 01-2026 03-2026: 0.4%● 0.0% vs 02-2026 04-2026: 0.4%● 0.0% vs 03-2026 05-2026: 0.4%▼ -1.6% vs 04-2026 06-2026: 0.4%● 0.0% vs 05-2026 07-2026: 0.4%● 0.0% vs 06-2026 08-2026: 0.4%● 0.0% vs 07-2026 09-2026: 0.4%● 0.0% vs 08-2026 10-2026: < 0.1%▼ -90.2% vs 09-2026lowest value

Liquidity: current ratio 3.94, cash €123,959 lowers the probability
Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
Equity €232,646 (79.2% of total assets) lowers the probability
Latest accounts 32 days late; 1 of the last 3 late raises the probability

Credit up to €22,000 at 30 days acceptable

Liquidity ample (current ratio 3.94; short-term debt: 20.7% and cash: 42.2% of total assets), and 20.8% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 84%, liquidity 82%, profitability 83%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 3.94, cash €123,959

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Sector Computer programming, consultancy and related activities (NACE 62)

In the bankruptcy model this factor lowers the probability.

KBO

Equity €232,646 (79.2% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Latest accounts 32 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-09-2026, 32 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 · 1 filing

Deviation from the deadline

2025

32 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

01-09-26 Annual accounts filedfiscal year 2025 · abbreviated…

Key points

Positive: Among the best 19% on net resultsector median €22,988 · 2,997 companies €132,696 View
Total assets 2025first fiscal year filed €293,626 View
Active since 2016founded 30-11-2016 9 years View