CO-QUOTI
ActiveFor CO-QUOTI, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €85k and a net result of €172k. Its solvency ranks better than 38% of 26052 sector peers (fiscal year 2024). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
No current score
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Filing: One filing cycle is missing
Axes, FY 2024 · tick = 2023
Profitability100=
Solvency44▲+44
Growth78
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2024Solvency, return and age of the figures
Solvency
19%
Return on assets
38.4%
Age of the figures
27 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 230 days later.
NBB · 2 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline18-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 30-01-2025, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
not filed
2024
1 d early
2023
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€85k
2023 · €-86k
2023: €-86k
2023 → 2024
Total assets
€448k▲ 52.2%
2023 · €294k
2023: €294k
2023 → 2024
Net result
€172k▲ 136%
2023 · €73k
2023: €73k
2023 → 2024
Working capital
€164k▲ 224%
2023 · €50k
2023: €50k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€-86k-€85k
Operating result€74k-€204k▲ 175%
Net result€73k-€172k▲ 136%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 175% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €448k
Fixed assets
€42k▲ 14.5%
Current assets
€406k▲ 57.6%
Equity and liabilities €448k
Equity
€85k
Debt
€363k
Debt finances 81.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€216k▲
2023 · €84k
Cash flow
€184k▲
2023 · €83k
Solvency
19.0%▲
2023 · -29.3%
Current ratio
1.68▲
2023 · 1.24
Quick ratio
1.64▲
2023 · 1.20
Debt / equity
4.26▲
2023 · -4.41
ROE
202.4%
ROA
38.4%▲
2023 · 24.7%
Interest coverage
303.33▲
2023 · 68.14
Debt
€363k▼
2023 · €380k
Debt ≤ 1 year
€242k▲
2023 · €207k
Debt > 1 year
€121k▼
2023 · €173k
Income taxes
€38k▲
2023 · €1k
Staff costs
€404k▲
2023 · €282k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€294k€448k▲
Fixed assets21/28€36k€42k▲
Tangible fixed assets22/27€36k€42k▲
Plant, machinery and equipment23€17k€14k▼
Furniture and vehicles24€12k€7k▼
Other tangible fixed assets26€7k€4k▼
Assets under construction and advance payments27-€17k
Current assets29/58€258k€406k▲
Stocks and contracts in progress3€9k€9k▲
Stocks30/36€9k€9k▲
Amounts receivable within one year40/41€99k€79k▼
Trade receivables40€99k€79k▼
Current investments50/53-€70k
Cash at bank and in hand54/58€149k€247k▲
Deferred charges and accrued income490/1€664€954▲
Equity and liabilities
Total equity and liabilities10/49€294k€448k▲
Equity10/15€-86k€85k▲
Contributions10/11€6k€6k=
Outside capital11€6k-
Other1109/19€6k-
Reserves13€27k€77k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€25k€25k=
Distributable reserves133-€50k
Profit (loss) carried forward14€-120k€2k▲
Amounts payable17/49€380k€363k▼
Amounts payable after more than one year17€173k€121k▼
Other amounts payable178/9€173k€121k▼
Amounts payable within one year42/48€207k€242k▲
Trade debts44€146k€120k▼
Suppliers440/4€146k€120k▼
Taxes, remuneration and social security45€62k€122k▲
Taxes450/3€29k€70k▲
Remuneration and social security454/9€33k€52k▲
Other amounts payable47/48-€560
Income statement
Code20232024
Remuneration, social security and pensions62€282k€404k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲
Other operating charges640/8€43k€13k▼
Gross operating margin9900€409k€633k▲
Operating profit (loss)9901€74k€204k▲
Financial income75/76B€757€7k▲
Recurring financial income75€757€7k▲
Financial charges65/66B€1k€712▼
Recurring financial charges65€1k€712▼
Profit (loss) for the period before taxes9903€74k€211k▲
Income taxes67/77€1k€38k▲
Profit (loss) for the period9904€73k€172k▲
Profit (loss) for the period to be appropriated9905€73k€172k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-120k€52k▲
Profit (loss) brought forward from the previous period14P€-193k€-120k▲
Transfer to equity691/2-€50k
To other reserves6921-€50k
Profit to be distributed694/7-€800
Return on contributions (dividend)694-€800
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
NBB filing
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, Nivelles · 2 establishment units since 2001
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 Namur 131400 NivellesGround area
211 m²
Building footprint
118 m²
Volume, LiDAR
1,439 m³
2 parcels, Wallonia · tallest building 15.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Rue de Namur 13, 1400 Nivelles
since 20012.098.343.788
Le Pain Quotidien
since 20222.338.054.445
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25782D0464/00E000 | Wallonia | 140 m² | 1 · 62 m² | 15.4 m · 4 fl. |
| 25112M0661/00B000 | Wallonia | 71 m² | 1 · 55 m² | 12.6 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesNivelles2.098.343.788
Wavre2.338.054.445
Similar companies · same sector, comparable size
NIHAL
BE 0870.744.551
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Deli Namur Fer
BE 0684.886.514
Namur · Eq €85k
M&C
BE 0776.486.978
Brussel · Eq €85k
DEPOORTER Elien & C°
BE 0817.178.379
Aalter · Eq €85k
PATISSERIE VANILLE CANNELLE
BE 0807.532.027
Chaudfontaine · Eq €85k
Of 2,407 companies in sector 47241 we hold annual accounts for 1,098. 926 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2001
Fiscal year end30-06
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
52240
55302
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
47279Other retail sale of food
47299Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.