LA QUIFFE
ActiveSummary
The annual accounts of LA QUIFFE for fiscal year 2025 show a net loss of 66% of the equity at the start of that year. The 2025 annual accounts show equity of €27,469 and a net result of -€54,201. Equity is shrinking by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 24% of 2778 sector peers (fiscal year 2025). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-11
Solvency41▼-18
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.1 against 4.5 in 2024; short-term debt: 13.7% and cash: 4.3% of total assets), but 84.1% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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 →
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 2025Solvency, return and age of the figures
Solvency
15.9%
Return on assets
-31.4%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
192022232425
2019 to 2025 · latest year -€54,201
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 2778 sector peers (2025).
NBB · sector comparisonPosition among 2778 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-02-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
13 d late
2024
81 d early
2023
29 d late
2022
5 d early
2021
4 d early
2020
1 d late
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 7 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 27 January (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€27,469▼ 66.4%
2024 · €81,669
Total assets
€172,740▼ 28.0%
2024 · €239,792
Net result
-€54,201▼ 253%
2024 · -€15,373
Working capital
€49,910▼ 48.7%
2024 · €97,224
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202022202320242025
Operating result€36,831▼ 13.3%€29,537-€60,923▲ 106%-€30,930-€50,945▼ 64.7%
Net result€35,035within the sector's middle half▼ 13.0%€28,427within the sector's middle half-€53,425within the sector's middle half▲ 87.9%-€15,373below the sector's middle half-€54,201below the sector's middle half▼ 253%
Equity€138,223within the sector's middle half▲ 34.0%€43,617within the sector's middle half-€97,042within the sector's middle half▲ 122%€81,669within the sector's middle half▼ 15.8%€27,469below the sector's middle half▼ 66.4%
Total assets€388,294above the sector's middle half▼ 1.0%€168,739within the sector's middle half-€220,052within the sector's middle half▲ 30.4%€239,792within the sector's middle half▲ 9.0%€172,740within the sector's middle half▼ 28.0%
Debt€250,071▼ 13.5%€23,399-€21,286▼ 9.0%€56,399▲ 165%€43,548▼ 22.8%
Working capital€67,842within the sector's middle half▲ 50.0%€81,326within the sector's middle half-€127,195within the sector's middle half▲ 56.4%€97,224within the sector's middle half▼ 23.6%€49,910within the sector's middle half▼ 48.7%
Solvency35.6%within the sector's middle half▲ 9.3pp25.8%below the sector's middle half-44.1%within the sector's middle half▲ 18.3pp34.1%within the sector's middle half▼ 10.0pp15.9%below the sector's middle half▼ 18.2pp
Current ratio1.29below the sector's middle half▲ 0.127.13above the sector's middle half-6.98above the sector's middle half▼ 0.164.50above the sector's middle half▼ 2.483.10within the sector's middle half▼ 1.40
Return on assets (ROA)9.0%within the sector's middle half▼ 1.2pp16.8%within the sector's middle half-24.3%above the sector's middle half▲ 7.4pp-6.4%below the sector's middle half▼ 30.7pp-31.4%below the sector's middle half▼ 25.0pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 stays negative: a loss of €50,945 in 2025 against €30,930 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €172,740
Fixed assets
€99,082 ▼ 13.7%
Current assets
€73,657 ▼ 41.1%
Equity and liabilities €172,740
Equity
€27,469 ▼ 66.4%
Provisions
€101,723 =
Debt
€43,548 ▼ 22.8%
Debt's share of the balance-sheet total rises from 23.5% to 25.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€34,102▼
2024 · -€14,736
Cash flow
-€37,358▼
2024 · €820
Debt to equity
1.59▲
2024 · 0.69
ROE
-197.3%▼
2024 · -18.8%
Interest coverage
-11.97▼
2024 · -6.87
Debt ≤ 1 year
€23,748▼
2024 · €27,799
Debt > 1 year
€19,800▼
2024 · €28,600
Income taxes
€494▼
2024 · €671
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,221 companies that looked in July 2024 the way this one looks now, 3.8% went bankrupt within 24 months and 89% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
3.8%
went bankrupt
7.4%
stopped otherwise
89%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,221 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,754 | €8,799 | €8,056 | €16,193 | €16,842 | ▲ 4.0% |
| Other operating charges640/8 | - | €4,346 | €2,454 | €1,831 | €2,285 | ▲ 24.8% |
| Gross operating margin9900 | €45,870 | €42,682 | €71,433 | -€12,905 | -€31,817 | ▼ 147% |
| Operating profit (loss)9901 | €36,831 | €29,537 | €60,923 | -€30,930 | -€50,945 | ▼ 64.7% |
| Financial income75/76B | - | €1,966 | €3,312 | €18,371 | €87 | ▼ 99.5% |
| Recurring financial income75 | - | €1,966 | €3,312 | €18,371 | €87 | ▼ 99.5% |
| Financial charges65/66B | - | €1,935 | €770 | €2,144 | €2,849 | ▲ 32.9% |
| Recurring financial charges65 | €1,796 | €1,935 | €770 | €2,144 | €2,849 | ▲ 32.9% |
| Profit (loss) for the period before taxes9903 | €35,035 | €29,568 | €63,465 | -€14,702 | -€53,706 | ▼ 265% |
| Income taxes67/77 | - | €1,141 | €10,040 | €671 | €494 | ▼ 26.3% |
| Profit (loss) for the period9904 | €35,035 | €28,427 | €53,425 | -€15,373 | -€54,201 | ▼ 253% |
| Profit (loss) for the period to be appropriated9905 | €35,035 | €28,427 | €53,425 | -€15,373 | -€54,201 | ▼ 253% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €388,294 | €168,739 | €220,052 | €239,792 | €172,740 | ▼ 28.0% |
| Fixed assets21/28 | €89,812 | €74,153 | €71,570 | €114,769 | €99,082 | ▼ 13.7% |
| Tangible fixed assets22/27 | €89,662 | €74,153 | €71,570 | €114,769 | €99,082 | ▼ 13.7% |
| Land and buildings22 | - | €72,064 | €67,799 | €63,134 | €58,990 | ▼ 6.6% |
| Plant, machinery and equipment23 | - | €2,089 | €3,771 | €3,299 | €2,436 | ▼ 26.1% |
| Furniture and vehicles24 | - | - | - | €48,336 | €37,656 | ▼ 22.1% |
| Financial fixed assets28 | €150 | - | - | - | - | - |
| Current assets29/58 | €298,482 | €94,586 | €148,482 | €125,023 | €73,657 | ▼ 41.1% |
| Amounts receivable within one year40/41 | €267,954 | €67,728 | €77,322 | €115,026 | €44,216 | ▼ 61.6% |
| Trade receivables40 | - | €23,633 | €20,048 | €10,269 | €1,188 | ▼ 88.4% |
| Other amounts receivable41 | - | €44,095 | €57,273 | €104,757 | €43,028 | ▼ 58.9% |
| Current investments50/53 | €17,509 | €11,477 | €54,562 | €3,014 | €21,922 | ▲ 627% |
| Cash at bank and in hand54/58 | €13,019 | €15,381 | €16,598 | €6,983 | €7,498 | ▲ 7.4% |
| Deferred charges and accrued income490/1 | - | - | - | - | €21 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €388,294 | €168,739 | €220,052 | €239,792 | €172,740 | ▼ 28.0% |
| Equity10/15 | €138,223 | €43,617 | €97,042 | €81,669 | €27,469 | ▼ 66.4% |
| Contributions10/11 | €6,200 | €7,700 | €7,700 | €7,700 | €7,700 | = |
| Reserves13 | €63,828 | €63,978 | €89,342 | €73,969 | €35,164 | ▼ 52.5% |
| Non-distributable reserves130/1 | - | €2,009 | - | - | - | - |
| Reserves not available under the articles1311 | - | €2,009 | - | - | - | - |
| Tax-exempt reserves132 | - | €9,800 | €9,800 | €9,800 | €9,800 | = |
| Distributable reserves133 | - | €52,169 | €79,542 | €64,169 | €25,364 | ▼ 60.5% |
| Profit (loss) carried forward14 | €68,195 | -€28,061 | €0 | - | -€15,396 | - |
| Provisions and deferred taxes16 | - | €101,723 | €101,723 | €101,723 | €101,723 | = |
| Provisions for liabilities and charges160/5 | - | €101,723 | €101,723 | €101,723 | €101,723 | = |
| Pensions and similar obligations160 | - | €101,723 | €101,723 | €101,723 | €101,723 | = |
| Amounts payable17/49 | €250,071 | €23,399 | €21,286 | €56,399 | €43,548 | ▼ 22.8% |
| Amounts payable after more than one year17 | €19,431 | €10,139 | €0 | €28,600 | €19,800 | ▼ 30.8% |
| Financial debts170/4 | - | €10,139 | €0 | €28,600 | €19,800 | ▼ 30.8% |
| Amounts payable within one year42/48 | €230,640 | €13,260 | €21,286 | €27,799 | €23,748 | ▼ 14.6% |
| Current portion of amounts payable after more than one year42 | - | - | €801 | €8,800 | €8,800 | = |
| Financial debts43 | - | €90 | - | - | - | - |
| Credit institutions430/8 | - | €90 | - | - | - | - |
| Trade debts44 | €202,953 | €3,785 | €8,746 | €7,544 | €5,006 | ▼ 33.6% |
| Suppliers440/4 | - | €3,785 | €8,746 | €7,544 | €5,006 | ▼ 33.6% |
| Taxes, remuneration and social security45 | - | €9,385 | €11,740 | €11,221 | €848 | ▼ 92.4% |
| Taxes450/3 | - | €9,385 | €11,740 | €11,221 | €848 | ▼ 92.4% |
| Other amounts payable47/48 | - | - | - | €234 | €9,093 | ▲ 3,786% |
| Line | 2020 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35,035 | €28,427 | €53,425 | -€15,373 | -€54,201 | ▼ 253% |
| + Depreciation and write-downs630 | €7,754 | €8,799 | €8,056 | €16,193 | €16,842 | ▲ 4.0% |
| Operating cash flow (approximation) | €42,789 | €37,226 | €61,481 | €820 | -€37,358 | ▼ 4,655% |
| Investment in fixed assets (approximation) | - | - | -€5,474 | -€59,392 | -€1,156 | ▲ 98.1% |
| Change in cash | - | - | €1,217 | -€9,615 | €515 | ▲ 105% |
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
13-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
2025
30-06
Financial
Weakest financial yearnet -€54,201
Net result drops to -€54,201, the lowest in the series.
2024
11-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
30-06
Financial
Highest result since 2019net €53,425 ▲87.9%
Operating result €60,923, net result €53,425, both a record.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity times 6current ratio 7.13
Current ratio from 1.29 to 7.13; short-term debt falls from €230,640 to €13,260.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
No directors read yet: 0 of 5 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Pepingen · 1 establishment unit since 1993
Ground area
314 m²
Building footprint
258 m²
Volume, LiDAR
1,565 m³
Parcel 23010A0068/00S000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INCA-INVENTIVE COMPUTER ASSETS
since 19932.060.855.268
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23010A0068/00S000 | Flanders | 314 m² | 1 · 258 m² | 8.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
6994009CE2N0ONAMJV83
Similar companies · same sector, comparable size
JFD-SOFT
BE 0779.552.178
Malmedy · Eq €27,466
De Wilde Consulting
BE 0708.922.916
Deinze · Eq €27,460
digi-work.com
BE 0471.866.891
Elsene · Eq €27,483
INGENIOUS SOLUTIONS SPRL
BE 0543.328.573
Flémalle · Eq €27,517
DATAPUNT
BE 0440.931.514
Antwerpen · Eq €27,526
Of 16,913 companies in this sector we hold annual accounts for 8,787. 6,256 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded03-02-1993
Fiscal year end30-06
Activities, NACEBEL 2025
62100Computer programming
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449358933
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.