Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 32 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
QUALITY INSURANCE & CREDIT from Lobbes, company number BE0769536434, closed financial year 2025 with a result of € 67,766 after tax. For that financial year QUALITY INSURANCE & CREDIT recorded a gross margin of € 348,196 and equity of € 430,849. Compared with financial year 2024, the result moved from € 30,525 to € 67,766. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 25, 2026.
€ 430,849
▲ 19% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 67,766
▲ 122% vs 2024
Profit after tax over the fiscal year.
€ 1,206
▲ 12% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 129,611.
People and assets in 2025
€ 146,987
▼ 21% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 8,938
▼ 83% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 795,596
▲ 33% vs 2024
€ 26,726 is repaid this year. At this pace the long-term loan is gone in ≈ 29 years.
€ 28,268
▼ 76% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,173
▼ 6% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 704,875 | € 644,211 | - | - | |
| Gross margin | € 214,973 | € 171,395 | € 304,201 | € 348,196 | ▲ 14% |
| Profit after taxes | € 23,639 | € 7,682 | € 30,525 | € 67,766 | ▲ 122% |
| Equity | € 26,639 | € 34,321 | € 363,083 | € 430,849 | ▲ 19% |
| Total debts | € 311,238 | € 299,191 | € 788,224 | € 924,937 | ▲ 17% |
| Cash | € 211 | € 1,326 | € 1,074 | € 1,206 | ▲ 12% |
| Land & buildings | - | - | € 783,834 | € 1,005,919 | ▲ 28% |
| Retained profit | € 23,639 | € 31,321 | € 61,846 | € 129,611 | ▲ 110% |
| Bank debt | € 257,665 | € 216,352 | € 598,349 | € 795,596 | ▲ 33% |
| Balance sheet total | € 337,877 | € 333,512 | € 1,151,308 | € 1,355,786 | ▲ 18% |
Key figures of QUALITY INSURANCE & CREDIT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to QUALITY INSURANCE & CREDIT?
What happened at QUALITY INSURANCE & CREDIT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New establishment in Thuin. KBO
- New annual accounts for financial year 2025: profit of € 67,766 (▲ 122% vs 2024). Source: NBB ↗
- New establishment in Lobbes. KBO
- Start of the company according to the CBE. KBO
In short
From € 23,639 profit in 2022 to € 67,766 profit in 2025.
Paid € 67,887 in corporate taxes since 2022.
Best year ever: 2025, with € 67,766 profit.
A new publication or filing at QUALITY INSURANCE & CREDIT? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Establishments
Establishment units
Physical locations of this company
Rue d'Anderlues 197 box B
6540 Lobbes
Rue 't Serstevens(THN) 54
6530 Thuin
Active since 15 August 2026
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0769.536.434
- VAT number
- BE 0769.536.434
- Registered office
- Rue d'Anderlues 197 bus B, 6540 Lobbes
- Names & denominations
- QUALITY INSURANCE & CREDIT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 June 2021
- Peppol
- Active · Active since 16 Jan 2026
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars