ACTIVE

Q & S

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Financial year 2025 · closed on 31/12/2025
Net result
287,2 k €
+63.2% YoY
Gross margin
556,5 k €
+89.3% YoY
Equity
1,2 M €
+9.0% YoY

What does Q & S do?

Q & S is a Private limited company incorporated in 2006. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Kortrijk.

Legal situation
● Normal situation
BCE/KBO no. / VAT
BE 0885.372.547
Incorporation
01/12/2006
Legal form
Private limited company
Registered office
Engelse Wandeling(Kor) 2 box K14G
8500 Kortrijk · FlandreSee on map
Contributed capital
339 476,01 €
Latest accounts
31/12/2025
Activities (NACE)
66220Activities of insurance agents and brokers· main66220Activities of insurance agents and brokers82990Other business support service activities n.e.c.82990Other business support service activities n.e.c.
Joint committees (2)
  • 307
  • 323
Signals
ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA
View the BCE/KBO Public Search record →
Health score
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✦ Verdict · Analyst summary
Financials

Trend over 15 financial years

202520242023202220212018201720162013201220112010200920082007
Income statement
Gross margin556,5 k €294 k €168 k €68,7 k €260,1 k €241,6 k €212 k €95,6 k €88,8 k €80,7 k €91,2 k €88,2 k €56,3 k €27,8 k €21,1 k €
EBITDA549,3 k €288,8 k €162,6 k €64 k €251 k €237,1 k €198,4 k €89 k €51,6 k €49,5 k €48,7 k €51,9 k €39,1 k €25,5 k €18,5 k €
Operating result436,5 k €175,4 k €21 k €-77,1 k €86,4 k €180,6 k €143,4 k €45,5 k €13,8 k €12,4 k €16,9 k €35,6 k €22,8 k €9,2 k €2,2 k €
Net result287,2 k €176 k €286 €100,7 k €39,1 k €124,9 k €74,9 k €-8,1 k €-24 k €56,8 k €4,4 k €21,8 k €14 k €-320 €-7,4 k €
Balance sheet
Equity1,2 M €1,1 M €894,7 k €894,4 k €793,7 k €912,1 k €787,1 k €712,3 k €661,4 k €1,2 M €1,1 M €1,1 M €1,1 M €12,3 k €12,6 k €
Total assets1,3 M €1,2 M €900,6 k €1 M €960,7 k €1,4 M €1,4 M €1,4 M €1,4 M €1,5 M €1,4 M €1,4 M €1,4 M €270,6 k €289,2 k €
Cash95,7 k €13,2 k €165,6 k €44,1 k €189,6 k €83,3 k €152,7 k €71,6 k €48 k €49,6 k €9 k €42,2 k €23,4 k €4,5 k €6,8 k €
Debts85,9 k €121,3 k €5,9 k €108,5 k €167 k €446,9 k €581,1 k €657,8 k €780,6 k €291,5 k €239,3 k €232 k €246,8 k €258,3 k €276,6 k €
Other
Workforce–0,0 ETP0,0 ETP–––––1,0 ETP0,8 ETP1,0 ETP0,9 ETP0,7 ETP––
Estimate

Indicative valuation

As an indication, this company is worth

between 2,5 M€ and 5 M€
See the valuation
Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 5 ended

Active mandates

Anja Lahey

Director · since 10 octobre 2017

Active
PHILIP QUAEGEBEUR

Director · since 01 décembre 2006

Active

Ended mandates

Anja Lahey

Manager · since 10 octobre 2017

Ended
Philip Quaegebeur

Manager · since 01 décembre 2006

Ended
Myriam Hallaert

Manager

Ended
Myriam Hallaert

Associate

Ended
At this address

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1018.779.221
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Be Yourself In Care● Active
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Be Yourself Participaties● Active
0793.705.072
BizzMine● Active
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BizzMine HoldCo● Active
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Blueberry Club● Active
0809.085.116
briz group● Active
1003.119.461
CAROLITH● Liquidation
0428.239.657
CREATO KEUKENS● Active
0891.555.803
DELVA-TOPOKOR● Active
0689.997.919
DE MAKELAARS● Active
0801.154.573
D'OUDE DAKPANNE● Liquidation
0453.385.918
EGGER BENELUX● Active
0436.093.489
Energie-Makelaars● Active
0758.857.328
Annual accounts

Full financial information

202520242023202220212020
Type of accountAbridged modelAbridged modelAbridged modelAbridged modelAbridged modelAbridged model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/01/202101/01/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/202131/12/2020
Length of the financial year12 months12 months12 months12 months12 months12 months
Filing date23/07/202611/07/202519/07/202420/07/202331/08/202215/07/2021
General meeting26/06/202625/06/202504/06/202430/06/202303/06/202204/06/2021
Currency of the financial yearEUREUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls
Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

ModelClosingGeneral meetingFiledLanguageDocument
Abridged model31/12/202526/06/202623/07/2026DutchPDF
Abridged model31/12/202425/06/202511/07/2025DutchPDF
Abridged model31/12/202304/06/202419/07/2024DutchPDF
Abridged model31/12/202230/06/202320/07/2023DutchPDF
Abridged model31/12/202103/06/202231/08/2022DutchPDF
Abridged model31/12/202004/06/202115/07/2021DutchPDF
Abridged model31/12/201914/08/202018/09/2020DutchPDF
Abridged model31/12/201819/07/201930/08/2019DutchPDF
Abridged model31/12/201701/06/201830/08/2019DutchPDF
Abridged model31/12/201602/06/201730/08/2019DutchPDF
Abridged modelCorrection31/12/201530/06/201607/09/2016DutchPDF
Abridged model31/12/201530/06/201618/07/2016DutchPDF
Abridged model31/12/201405/06/201503/07/2015DutchPDF
Abridged model31/12/201310/06/201417/07/2014DutchPDF
Abridged model31/12/201228/06/201318/07/2013DutchPDF
Abridged model31/12/201101/06/201229/06/2012DutchPDF
Abridged model31/12/201003/06/201129/06/2011DutchPDF
Abridged model31/12/200904/06/201022/06/2010DutchPDF
Abridged model31/12/200805/06/200930/06/2009DutchPDF
Abridged model31/12/200706/06/200803/07/2008DutchPDF
Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 2,5 M€ and 5 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan
Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 5 ended

Active mandates

Anja Lahey

Director · since 10 octobre 2017

Active
PHILIP QUAEGEBEUR

Director · since 01 décembre 2006

Active

Ended mandates

Anja Lahey

Manager · since 10 octobre 2017

Ended
Philip Quaegebeur

Manager · since 01 décembre 2006

Ended
Myriam Hallaert

Manager

Ended
Myriam Hallaert

Associate

Ended
Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

  • Capital / shares11/03/2021
    KAPITAAL - AANDELEN
    PDF
  • Restructuring10/02/2020
    ONTSLAGEN - BENOEMINGEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, …) - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Restructuring30/12/2019
    RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Mandates29/11/2017
    ONTSLAGEN - BENOEMINGEN
    PDF
  • Restructuring14/07/2015
    RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Restructuring12/05/2015
    RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
    PDF
  • Capital / shares02/04/2013
    KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, …)
    PDF
  • Capital / shares20/07/2009
    KAPITAAL - AANDELEN
    PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

Timeline

  1. 2025
    Annual accounts 2025287,2 k €↑
  2. 2024
    Annual accounts 2024176 k €↑
  3. 2023
    Annual accounts 2023286 €↓
  4. 2022
    Annual accounts 2022100,7 k €↑
  5. 2021
    Annual accounts 202139,1 k €↓
  6. 2018
    Annual accounts 2018124,9 k €↑
  7. 2017
    Annual accounts 201774,9 k €↑
  8. 2016
    Annual accounts 2016-8,1 k €↑
  9. 2013
    Annual accounts 2013-24 k €↓
  10. 2012
    Annual accounts 201256,8 k €↑
  11. 2011
    Annual accounts 20114,4 k €↓
  12. 2010
    Annual accounts 201021,8 k €↑
  13. 2009
    Annual accounts 200914 k €↑
  14. 2008
    Annual accounts 2008-320 €↑
  15. 2007
    Annual accounts 2007-7,4 k €
  16. 01/12/2006
    IncorporationPrivate limited company