QWAL-IT
ActiveSummary
QWAL-IT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €49k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 16% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency37▼-6
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.14 in 2024; short-term debt: 52% and cash: 40.6% of total assets), and 88.3% 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
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
Sector 62
lower
← 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
11.7%
Return on assets
38.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 16%
← weakest
strongest →
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 26-02-2026, 155 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
155 d early
2024
45 d early
2023
44 d early
2022
45 d early
2021
38 d early
2020
24 d late
2019
25 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 42.2%
2024 · €25k
2018: €35k
2019: €25k
2020: €25k
2021: €25k
2022: €25k
2023: €25k
2024: €25k
2018 → 2025
Total assets
€125k▼ 9.4%
2024 · €138k
2018: €106k
2019: €116k
2020: €104k
2021: €101k
2022: €76k
2023: €170k
2024: €138k
2018 → 2025
Net result
€49k▲ 64.0%
2024 · €30k
2018: €42k
2019: €12k
2020: €23k
2021: €34k
2022: €23k
2023: €48k
2024: €30k
2018 → 2025
Working capital
€5k▼ 41.4%
2024 · €8k
2018: €34k
2019: €15k
2020: €17k
2021: €15k
2022: €17k
2023: €-357
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€25k=€25k=€25k=€15k▼ 42.2%
Operating result€47k-€32k▼ 30.6%€61k▲ 88.6%€41k▼ 32.3%€66k▲ 59.1%
Net result€34k-€23k▼ 33.6%€48k▲ 109%€30k▼ 38.0%€49k▲ 64.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 59% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€56k ▼ 25.6%
Current assets
€70k ▲ 9.7%
Equity and liabilities €125k
Equity
€15k ▼ 42.2%
Debt
€111k ▼ 2.0%
Debt's share of the balance-sheet total rises from 81.6% to 88.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€86k▲
2024 · €62k
Cash flow
€69k▲
2024 · €50k
Current ratio
1.07▼
2024 · 1.14
Debt to equity
7.52▲
2024 · 4.44
ROE
330.5%▲
2024 · 116.5%
ROA
38.8%▲
2024 · 21.4%
Interest coverage
32.98▲
2024 · 19.95
Debt ≤ 1 year
€65k▲
2024 · €56k
Debt > 1 year
€45k▼
2024 · €57k
Income taxes
€14k▲
2024 · €8k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€138k€125k▼
Fixed assets21/28€75k€56k▼
Tangible fixed assets22/27€75k€56k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€72k€54k▼
Current assets29/58€64k€70k▲
Amounts receivable within one year40/41€14k€15k▲
Trade receivables40€13k€15k▲
Other amounts receivable41€1k€400▼
Cash at bank and in hand54/58€46k€51k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€138k€125k▼
Equity10/15€25k€15k▼
Contributions10/11€19k€1k▼
Reserves13€2k€100▼
Distributable reserves133€2k€100▼
Profit (loss) carried forward14€5k€14k▲
Amounts payable17/49€113k€111k▼
Amounts payable after more than one year17€57k€45k▼
Financial debts170/4€57k€45k▼
Amounts payable within one year42/48€56k€65k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€12k€20k▲
Taxes450/3€12k€20k▲
Other amounts payable47/48€30k€30k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k-
Other operating charges640/8-€440
Gross operating margin9900€64k€86k▲
Operating profit (loss)9901€41k€66k▲
Financial income75/76B€9€18▲
Recurring financial income75€9€18▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€38k€63k▲
Income taxes67/77€8k€14k▲
Profit (loss) for the period9904€30k€49k▲
Profit (loss) for the period to be appropriated9905€30k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€54k▲
Profit (loss) brought forward from the previous period14P€5k€5k=
Transfer from equity791/2-€2k
Profit to be distributed694/7€30k€42k▲
Return on contributions (dividend)694€30k€42k▲
The notes to these accounts (7 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €49k ▲64%
Operating result €66k, net result €49k, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €12k ▼71.1%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 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, Eghezée · 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.
Rue Léon Hanozet,Bolinne 65310 EghezéeGround area
1,220 m²
Building footprint
87 m²
Parcel 92015B0357/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
QWAL-IT
since 20152.247.968.961
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92015B0357/00B000 | Wallonia | 1,220 m² | 1 · 87 m² | - |
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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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 11,592 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
Founded01-12-2015
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.