QBcle
ActiveSummary
QBcle has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €22k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 32% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability99▲+15
Solvency62▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.81 in 2024; short-term debt: 63.1% and cash: 23.8% of total assets), and 63.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
36.9%
Return on assets
24.5%
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 02-07-2026, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
29 d early
2024
55 d early
2023
42 d early
2022
16 d late
2021
18 d early
2020
18 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 197%
2024 · €11k
2020: €6klowest in 6 years
2021: €8k▲ +34.8% vs 2020
2022: €8k▼ -2.1% vs 2021
2023: €7k▼ -11.1% vs 2022
2024: €11k▲ +59.1% vs 2023
2025: €34k▲ +197% vs 2024highest in 6 years
2020 → 2025
Total assets
€91k▲ 164%
2024 · €35k
2020: €10k
2021: €9k▼ -5.9% vs 2020lowest in 6 years
2022: €24k▲ +154% vs 2021
2023: €28k▲ +16.4% vs 2022
2024: €35k▲ +24.1% vs 2023
2025: €91k▲ +164% vs 2024highest in 6 years
2020 → 2025
Net result
€22k▲ 430%
2024 · €4k
2020: €3k
2021: €2k▼ -31.3% vs 2020
2022: €5k▲ +128% vs 2021
2023: €2k▼ -56.3% vs 2022lowest in 6 years
2024: €4k▲ +99.9% vs 2023
2025: €22k▲ +430% vs 2024highest in 6 years
2020 → 2025
Working capital
€-12k▼ 163%
2024 · €-4k
2020: €4k
2021: €5k▲ +12.6% vs 2020highest in 6 years
2022: €4k▼ -2.4% vs 2021
2023: €976▼ -78.3% vs 2022
2024: €-4k▼ -552% vs 2023
2025: €-12k▼ -163% vs 2024lowest in 6 years
2020 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€8k▼ 2.1%€7k▼ 11.1%€11k▲ 59.1%€34k▲ 197%
2021: €8k
2022: €8k▼ -2.1% vs 2021
2023: €7k▼ -11.1% vs 2022lowest in 5 years
2024: €11k▲ +59.1% vs 2023
2025: €34k▲ +197% vs 2024highest in 5 years
Operating result€3k-€7k▲ 137%€6k▼ 5.4%€8k▲ 24.5%€30k▲ 276%
2021: €3klowest in 5 years
2022: €7k▲ +137% vs 2021
2023: €6k▼ -5.4% vs 2022
2024: €8k▲ +24.5% vs 2023
2025: €30k▲ +276% vs 2024highest in 5 years
Net result€2k-€5k▲ 128%€2k▼ 56.3%€4k▲ 99.9%€22k▲ 430%
2021: €2k
2022: €5k▲ +128% vs 2021
2023: €2k▼ -56.3% vs 2022lowest in 5 years
2024: €4k▲ +99.9% vs 2023
2025: €22k▲ +430% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 276% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€45k ▲ 187%
Current assets
€46k ▲ 145%
Equity and liabilities €91k
Equity
€34k ▲ 197%
Debt
€58k ▲ 148%
Debt's share of the balance-sheet total falls from 67.1% to 63.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▲
2024 · €12k
Cash flow
€29k▲
2024 · €8k
Current ratio
0.80▼
2024 · 0.81
Debt to equity
1.71▼
2024 · 2.04
ROE
66.3%▲
2024 · 37.1%
ROA
24.5%▲
2024 · 12.2%
Interest coverage
295.57▲
2024 · 53.63
Debt ≤ 1 year
€58k▲
2024 · €23k
Income taxes
€7k▲
2024 · €3k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€35k€91k▲
Fixed assets21/28€16k€45k▲
Tangible fixed assets22/27€16k€45k▲
Furniture and vehicles24€12k€43k▲
Other tangible fixed assets26€4k€2k▼
Current assets29/58€19k€46k▲
Amounts receivable within one year40/41€11k€21k▲
Trade receivables40€10k€18k▲
Other amounts receivable41€1k€3k▲
Cash at bank and in hand54/58€7k€22k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€35k€91k▲
Equity10/15€11k€34k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€8k€31k▲
Amounts payable17/49€23k€58k▲
Amounts payable within one year42/48€23k€58k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€15k€48k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€69€2k▲
Gross operating margin9900€12k€38k▲
Operating profit (loss)9901€8k€30k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€224€122▼
Recurring financial charges65€224€122▼
Profit (loss) for the period before taxes9903€8k€30k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€4k€22k▲
Profit (loss) for the period to be appropriated9905€4k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€31k▲
Profit (loss) brought forward from the previous period14P€4k€8k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €742 | €1k | €2k | €4k | €6k | ▲ 55.1% |
| Other operating charges640/8 | €588 | €1k | €584 | €69 | €2k | ▲ 3,212% |
| Gross operating margin9900 | €4k | €9k | €9k | €12k | €38k | ▲ 217% |
| Operating profit (loss)9901 | €3k | €7k | €6k | €8k | €30k | ▲ 276% |
| Financial income75/76B | - | - | €87 | - | €1 | - |
| Recurring financial income75 | - | - | €87 | - | €1 | - |
| Financial charges65/66B | €105 | €281 | €118 | €224 | €122 | ▼ 45.5% |
| Recurring financial charges65 | €105 | €281 | €118 | €224 | €122 | ▼ 45.5% |
| Profit (loss) for the period before taxes9903 | €3k | €6k | €6k | €8k | €30k | ▲ 285% |
| Income taxes67/77 | €605 | €2k | €4k | €3k | €7k | ▲ 109% |
| Profit (loss) for the period9904 | €2k | €5k | €2k | €4k | €22k | ▲ 430% |
| Profit (loss) for the period to be appropriated9905 | €2k | €5k | €2k | €4k | €22k | ▲ 430% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €9k | €24k | €28k | €35k | €91k | ▲ 164% |
| Fixed assets21/28 | €4k | €4k | €6k | €16k | €45k | ▲ 187% |
| Tangible fixed assets22/27 | €4k | €4k | €6k | €16k | €45k | ▲ 187% |
| Furniture and vehicles24 | €1k | €2k | €1k | €12k | €43k | ▲ 253% |
| Other tangible fixed assets26 | €3k | €2k | €5k | €4k | €2k | ▼ 39.6% |
| Current assets29/58 | €6k | €20k | €22k | €19k | €46k | ▲ 145% |
| Amounts receivable within one year40/41 | €3k | €10k | €14k | €11k | €21k | ▲ 96.9% |
| Trade receivables40 | €3k | €7k | €13k | €10k | €18k | ▲ 91.1% |
| Other amounts receivable41 | €13 | €3k | €207 | €1k | €3k | ▲ 145% |
| Cash at bank and in hand54/58 | €3k | €10k | €8k | €7k | €22k | ▲ 230% |
| Deferred charges and accrued income490/1 | €258 | - | €17 | €1k | €3k | ▲ 116% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €9k | €24k | €28k | €35k | €91k | ▲ 164% |
| Equity10/15 | €8k | €8k | €7k | €11k | €34k | ▲ 197% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €5k | €5k | €4k | €8k | €31k | ▲ 267% |
| Amounts payable17/49 | €1k | €16k | €21k | €23k | €58k | ▲ 148% |
| Amounts payable within one year42/48 | €1k | €15k | €21k | €23k | €58k | ▲ 148% |
| Trade debts44 | €50 | €3k | €2k | €1k | €2k | ▲ 141% |
| Suppliers440/4 | €50 | €3k | €2k | €1k | €2k | ▲ 141% |
| Taxes, remuneration and social security45 | €1k | €7k | €15k | €7k | €7k | ▲ 4.8% |
| Taxes450/3 | €1k | €7k | €13k | €5k | €7k | ▲ 52.2% |
| Remuneration and social security454/9 | - | - | €3k | €2k | - | - |
| Other amounts payable47/48 | - | €5k | €3k | €15k | €48k | ▲ 216% |
| Accrued charges and deferred income492/3 | - | €630 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2k | €5k | €2k | €4k | €22k | ▲ 430% |
| + Depreciation and write-downs630 | €742 | €1k | €2k | €4k | €6k | ▲ 55.1% |
| Operating cash flow (approximation) | €3k | €6k | €4k | €8k | €29k | ▲ 244% |
| Investment in fixed assets (approximation) | - | €-2k | €-4k | €-14k | €-36k | ▼ 162% |
| Change in cash | - | €7k | €-2k | €-2k | €15k | ▲ 1,084% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €22k ▲430%
Operating result €30k, net result €22k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €2k ▼56.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 4.78
Current ratio from 2.04 to 4.78; short-term debt falls from €4k to €1k.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Chaumont-Gistoux · 1 establishment unit since 2019
Ground area
1,449 m²
Building footprint
161 m²
Volume, LiDAR
1,123 m³
Parcel 25018A0370/00F002, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Avenue des Sorbiers 1, 1325 Chaumont-Gistoux
since 20192.294.885.485
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018A0370/00F002 | Wallonia | 1,449 m² | 1 · 161 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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SMART SYMBOLS
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Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 6,469 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
70200Business and other management consultancy
82990Other business support services
Contact
Website
www.qbcle.be
E-mail
info@qblce.be
Scores and ratios are computed by Checked and are not a credit decision.