C-QUARTER

Active

Private limited companyfounded 20205 yrs activeRue de la Sylle(Hellebecq) 3, 7830 Silly, BelgiumKBO/BCE: BE 0754.794.117

Summary

The computed 12-month bankruptcy probability of C-QUARTER is 1.7% (moderate). The 2025 annual accounts show equity of €6k and a net result of €1k. Equity is growing by ~103.9% per year across the filed fiscal years. Its solvency ranks better than 34% of 6162 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

42 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability70▲+26

Solvency31▲+3

Growth78=

Track record94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity short (current ratio 0.79 against 0.8 in 2024; short-term debt: 94% and cash: 2.7% of total assets), and 94% 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

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

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2025

Solvency, return and age of the figures

Solvency

Return on assets

1.1%

Age of the figures

9 mo

Higher-failure-rate region

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

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 · 5 filings

Deviation from the deadline

2025

54 d late

2024

97 d late

2023

221 d late

2022

153 d late

2021

31 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€1k▼ 83.9%

2024 · €7k

2021: €-14k 2022: €44 2023: €12k 2024: €7k

2021 → 2025

Working capital

€-20k▲ 33.2%

2024 · €-29k

2021: €-49k 2022: €-47k 2023: €-76k 2024: €-29k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-14k-€-14k▲ 0.3%€-2k▲ 85.9%€5k€6k▲ 22.7%

Operating result€-13k-€2k€15k▲ 542%€19k▲ 28.6%€2k▼ 91.0%

Net result€-14k-€44€12k▲ 27,686%€7k▼ 43.4%€1k▼ 83.9%

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 91% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €101k

25.4%

74.6%

Fixed assets €26k ▼ 25.2%

Current assets €75k ▼ 36.1%

Equity and liabilities €101k

94.0%

Equity €6k ▲ 22.7%

Debt €95k ▼ 35.6%

Debt's share of the balance-sheet total falls from 96.8% to 94.0%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€10k▼

2024 · €28k

Cash flow

€10k▼

2024 · €16k

Current ratio

0.79▼

2024 · 0.80

Debt to equity

15.69▼

2024 · 29.87

ROE

18.5%▼

2024 · 140.8%

ROA

1.1%▼

2024 · 4.6%

Interest coverage

58.85▲

2024 · 2.36

Debt ≤ 1 year

€95k▼

2024 · €147k

Income taxes

€406

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 · 2025 against 2024 · 42 lines

Balance sheet Code20242025

Assets

Total assets20/58€152k€101k▼

Fixed assets21/28€34k€26k▼

Tangible fixed assets22/27€34k€25k▼

Plant, machinery and equipment23€3-

Other tangible fixed assets26€34k€25k▼

Financial fixed assets28€175€175=

Current assets29/58€118k€75k▼

Amounts receivable within one year40/41€64k€72k▲

Trade receivables40€62k€71k▲

Other amounts receivable41€1k€1k▼

Cash at bank and in hand54/58€54k€3k▼

Equity and liabilities

Total equity and liabilities10/49€152k€101k▼

Equity10/15€5k€6k▲

Contributions10/11€100€100=

Profit (loss) carried forward14€5k€6k▲

Amounts payable17/49€147k€95k▼

Amounts payable within one year42/48€147k€95k▼

Trade debts44-€777

Suppliers440/4-€777

Taxes, remuneration and social security45-€671

Taxes450/3-€671

Other amounts payable47/48€147k€93k▼

Income statement Code20242025

Non-recurring operating income76A€40k€7k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼

Other operating charges640/8€1k€1k▼

Non-recurring operating charges66A-€929

Gross operating margin9900€29k€12k▼

Operating profit (loss)9901€19k€2k▼

Financial income75/76B€2-

Recurring financial income75€2-

Financial charges65/66B€12k€175▼

Recurring financial charges65€12k€175▼

Profit (loss) for the period before taxes9903€7k€2k▼

Transfer from deferred taxes780€8k-

Transfer to deferred taxes680€8k-

Income taxes67/77-€406

Profit (loss) for the period9904€7k€1k▼

Transfer from tax-exempt reserves789€32k-

Transfer to tax-exempt reserves689€32k-

Profit (loss) for the period to be appropriated9905€7k€1k▼

Appropriation of the result

Profit (loss) to be appropriated9906€5k€6k▲

Profit (loss) brought forward from the previous period14P€-2k€5k▲

The notes to these accounts (5 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 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

23-09

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 54 days late

2025

05-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 97 days late

09-03

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 221 days late

2023

31-12

Financial Highest result since 2021net €12k ▲27686%

Net result €12k, the highest in the series.

31-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 153 days late

2022

31-12

Financial Back to profitnet €44

Net result €44 after one loss-making year.

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Silly · 1 establishment unit since 2020

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.

Rue de la Sylle(Hellebecq) 37830 Silly

Ground area

3,229 m²

Building footprint

306 m²

Volume, LiDAR

2,108 m³

2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Naturalystic

Rue d'Hoves(Graty) 15, 7830 SillyRetail sale of beverages, general range

since 20202.307.980.287

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
51031A0204/00B000	Wallonia	2,494 m²	1 · 131 m²	9.3 m · 2 fl.
55014E0190/00G000	Wallonia	736 m²	1 · 176 m²	10.1 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

THIERRY MARTIN CONSULTING

BE 0828.465.518

Frasnes-lez-Anvaing · Eq €4,884

DEWAELE HELEEN

BE 0728.503.157

Eeklo · Eq €5,000

2theloo Railway Belgium

Oudenaarde · Eq €5,000

Les greniers du pays noir

BE 1004.950.286

Fontaine-l'Evêque · Eq €5,256

Of 7,006 companies in sector 96999 we hold annual accounts for 602. 264 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

Founded24-09-2020

Fiscal year end31-12

Activities, NACEBEL 2025

96999Other personal services

82100Office administrative and support services

85599Other education

86995Nutrition and dietetics services

93199Other sports activities

93299Other amusement and recreation activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

E-mail:cheryl.delforge@gmail.com

Enterprise

Phone:+32495304487

Enterprise