QUINTESSENTIAL

Active

Private limited company (pre-2019)founded 200026 yrs activeRené Comhairelaan 59, 1082 Sint-Agatha-Berchem, BelgiumKBO/BCE: BE 0470.300.243

QUINTESSENTIAL has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €23k and a net result of €-28k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 49% of 37971 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2024

52 / 100

Fair▼ -48 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-100

Solvency96▼-4

Growth52=

Stability100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity ample (current ratio 1.92 against 3.01 in 2023), and 42.6% of the assets are financed with debt.

How do we compute the score and the probability?

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

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

57.4%

Return on assets

-70.5%

Age of the figures

20 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 filings

Deviation from the deadline

2025

not confirmed

2024

60 d late

2023

92 d late

2022

60 d late

2021

29 d late

2020

4 d late

2019

90 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€23k▼ 55.1%

2023 · €51k

2018: €11k 2019: €4k 2020: €3k 2021: €13k 2022: €23k 2023: €51k

2018 → 2024

Total assets

€40k▼ 46.0%

2023 · €74k

2018: €50k 2019: €27k 2020: €30k 2021: €55k 2022: €53k 2023: €74k

2018 → 2024

Net result

€-28k

2023 · €28k

2018: €31k 2019: €-6k 2020: €-1k 2021: €10k 2022: €9k 2023: €28k

2018 → 2024

Working capital

€16k▼ 58.3%

2023 · €38k

2018: €-2k 2019: €-8k 2020: €-5k 2021: €-6k 2022: €4k 2023: €38k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€3k-€13k▲ 317%€23k▲ 70.1%€51k▲ 125%€23k▼ 55.1%

Operating result€-62-€22k€18k▼ 17.2%€45k▲ 149%€-27k

Net result€-1k-€10k€9k▼ 7.8%€28k▲ 203%€-28k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €27k after €45k in 2023, the lowest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €40k

18.1%

81.9%

Fixed assets €7k▼ 58.8%

Current assets €33k▼ 42.0%

Equity and liabilities €40k

57.4%

42.6%

Equity €23k▼ 55.1%

Debt €17k▼ 25.8%

The debt ratio rises from 30.9% to 42.6%: equity shrinks faster than debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-17k▼

2023 · €55k

Cash flow

€-18k▼

2023 · €39k

Solvency

57.4%▼

2023 · 69.1%

Current ratio

1.92▼

2023 · 3.01

Quick ratio

1.92▼

2023 · 3.01

Debt / equity

0.74▲

2023 · 0.45

ROE

-122.7%▼

2023 · 55.6%

ROA

-70.5%▼

2023 · 38.4%

Interest coverage

-21.66▼

2023 · 74.54

Debt

€17k▼

2023 · €23k

Debt ≤ 1 year

€17k▼

2023 · €19k

Debt > 1 year

€0▼

2023 · €4k

Income taxes

€0▼

2023 · €15k

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€74k€40k▼

Fixed assets21/28€18k€7k▼

Tangible fixed assets22/27€18k€7k▼

Plant, machinery and equipment23€1k€766▼

Furniture and vehicles24€16k€6k▼

Leasing and similar rights25€0-

Current assets29/58€56k€33k▼

Amounts receivable within one year40/41€11k€22k▲

Trade receivables40€4k€4k=

Other amounts receivable41€7k€18k▲

Cash at bank and in hand54/58€45k€10k▼

Equity and liabilities

Total equity and liabilities10/49€74k€40k▼

Equity10/15€51k€23k▼

Contributions10/11€22k€22k=

Reserves13€45k€45k=

Distributable reserves133€45k€45k=

Profit (loss) carried forward14€-16k€-44k▼

Amounts payable17/49€23k€17k▼

Amounts payable after more than one year17€4k€0▼

Financial debts170/4€4k€0▼

Amounts payable within one year42/48€19k€17k▼

Current portion of amounts payable after more than one year42€9k€4k▼

Trade debts44€3k€7k▲

Suppliers440/4€3k€7k▲

Taxes, remuneration and social security45€7k€6k▼

Taxes450/3€7k€6k▼

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼

Other operating charges640/8€920€1k▲

Non-recurring operating charges66A€0-

Gross operating margin9900€56k€-16k▼

Operating profit (loss)9901€45k€-27k▼

Financial income75/76B€0-

Recurring financial income75€0-

Financial charges65/66B€737€787▲

Recurring financial charges65€737€787▲

Profit (loss) for the period before taxes9903€44k€-28k▼

Income taxes67/77€15k€0▼

Profit (loss) for the period9904€28k€-28k▼

Profit (loss) for the period to be appropriated9905€28k€-28k▼

Appropriation of the result

Profit (loss) to be appropriated9906€12k€-44k▼

Profit (loss) brought forward from the previous period14P€-17k€-16k▲

Transfer to equity691/2€28k€0▼

To contributions691€28k€0▼

To other reserves6921€0-

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

29-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 60 days late

2024

31-12

Financial Weakest financial yearnet €-28k ▼199%

Net result drops to €-28k, the lowest in the series.

31-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 92 days late

2023

31-12

Financial Liquidity doublescurrent ratio 3.01

Current ratio from 1.22 to 3.01; short-term debt falls from €19k to €19k.

29-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 60 days late

2022

29-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 29 days late

2021

31-12

Financial Back to profitnet €10k

Net result €10k after 2 loss-making years.

04-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 4 days late

2020

29-10

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 90 days late

2019

26-09

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 57 days late

2018

28-09

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 59 days late

2017

31-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 31 days late

2016

30-08

NBB filing Annual accounts filed

fiscal year 2015 · full schema · 30 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, Sint-Agatha-Berchem · 1 establishment unit since 2000

establishment The establishment unit on the map

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.

René Comhairelaan 591082 Sint-Agatha-Berchem

Ground area

2,491 m²

Building footprint

195 m²

Volume, LiDAR

1,687 m³

Parcel 21342B0073/00B014, Brussels · tallest building 16.4 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

QUINTESSENTIAL

René Comhairelaan 59, 1082 Sint-Agatha-BerchemReal estate activities

since 20002.093.795.874

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21342B0073/00B014	Brussels	2,491 m²	1 · 195 m²	16.4 m · 3 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.

Similar companies · same sector, comparable size

Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 31,906 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company (pre-2019)

Founded01-02-2000

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

68310Real estate agency activities

68311Real estate activities

Sources

Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.