RS QUARTZ-DESIGN
ActiveRS QUARTZ-DESIGN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €9k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 76% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+61
Solvency97▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 2.63 in 2024; short-term debt: 28.2% and cash: 22.9% of total assets), and 28.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
71.8%
Return on assets
15.1%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
on the day
2022
on the day
2021
4 d early
2020
1 d early
2019
91 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▲ 26.6%
2024 · €34k
2018: €30k
2019: €30k
2020: €38k
2021: €39k
2022: €33k
2023: €36k
2024: €34k
2018 → 2025
Total assets
€60k▲ 32.5%
2024 · €45k
2018: €55k
2019: €39k
2020: €57k
2021: €68k
2022: €54k
2023: €47k
2024: €45k
2018 → 2025
Net result
€9k
2024 · €-2k
2018: €13k
2019: €285
2020: €9k
2021: €2k
2022: €-6k
2023: €2k
2024: €-2k
2018 → 2025
Working capital
€2k▼ 86.6%
2024 · €18k
2018: €12k
2019: €17k
2020: €25k
2021: €22k
2022: €18k
2023: €22k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€33k▼ 15.4%€36k▲ 6.9%€34k▼ 4.9%€43k▲ 26.6%
Operating result€3k-€-5k€3k€-981€12k
Net result€2k-€-6k€2k€-2k€9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €981 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€41k▲ 157%
Current assets
€19k▼ 34.3%
Equity and liabilities €60k
Equity
€43k▲ 26.6%
Debt
€17k▲ 50.0%
The debt ratio rises from 24.9% to 28.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▲
2024 · €1k
Cash flow
€17k▲
2024 · €516
Solvency
71.8%▼
2024 · 75.1%
Current ratio
1.14▼
2024 · 2.63
Quick ratio
1.14▼
2024 · 2.63
Debt / equity
0.39▲
2024 · 0.33
ROE
21.0%▲
2024 · -5.1%
ROA
15.1%▲
2024 · -3.8%
Interest coverage
44.51▲
2024 · 1.52
Debt
€17k▲
2024 · €11k
Debt ≤ 1 year
€17k▲
2024 · €11k
Income taxes
€3k▲
2024 · €232
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€45k€60k▲
Fixed assets21/28€16k€41k▲
Tangible fixed assets22/27€16k€41k▲
Land and buildings22€8k€7k▼
Plant, machinery and equipment23€315€0▼
Furniture and vehicles24€8k€34k▲
Current assets29/58€29k€19k▼
Amounts receivable within one year40/41€9k€627▼
Trade receivables40-€17
Other amounts receivable41€9k€610▼
Cash at bank and in hand54/58€15k€14k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€45k€60k▲
Equity10/15€34k€43k▲
Contributions10/11€12k€12k=
Reserves13€27k€31k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€25k€29k▲
Profit (loss) carried forward14€-5k€10▲
Amounts payable17/49€11k€17k▲
Amounts payable within one year42/48€11k€17k▲
Financial debts43€900-
Other loans439€900-
Trade debts44€5k€5k▼
Suppliers440/4€5k€5k▼
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€232€3k▲
Taxes450/3€232€3k▲
Other amounts payable47/48-€10k
Accrued charges and deferred income492/3€67-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€8k▲
Other operating charges640/8€388€665▲
Gross operating margin9900€2k€21k▲
Operating profit (loss)9901€-981€12k▲
Financial income75/76B€314-
Recurring financial income75€314-
Financial charges65/66B€840€453▼
Recurring financial charges65€840€453▼
Profit (loss) for the period before taxes9903€-2k€12k▲
Income taxes67/77€232€3k▲
Profit (loss) for the period9904€-2k€9k▲
Profit (loss) for the period to be appropriated9905€-2k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€4k▲
Profit (loss) brought forward from the previous period14P€-4k€-5k▼
Transfer to equity691/2-€4k
To other reserves6921-€4k
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
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-6k ▼407%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 3.99
Current ratio from 1.65 to 3.99; short-term debt falls from €18k to €6k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 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, Diepenbeek · 1 establishment unit since 2015
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.
Oude Baan 173590 DiepenbeekGround area
1,410 m²
Building footprint
213 m²
Parcel 71402C0751/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
RS QUARTZ-DESIGN
since 20152.300.818.422
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71402C0751/00D000 | Flanders | 1,410 m² | 1 · 213 m² | 0.0 m |
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.
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DA Concept
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GINO'S SCHILDERWERKEN
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F.M.R.
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Of 914 companies in sector 43333 we hold annual accounts for 400. 321 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-10-2015
Fiscal year end31-12
Activities, NACEBEL
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.