Qualivino
ActiveQualivino has been active since 1953 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €644k and a net result of €-12k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 43% of 7931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-12
Solvency63▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.56 in 2024; short-term debt: 44.1% and cash: 1.9% of total assets), but 62.5% of the assets are financed with debt.
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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
37.5%
Return on assets
-0.7%
Age of the figures
18 mo
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 14-11-2025, 14 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
14 d late
2024
9 d early
2023
33 d early
2021
3 d early
2020
11 d early
2019
51 d early
2018
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€644k▼ 1.8%
2024 · €656k
2018: €527k
2019: €579k
2020: €610k
2021: €635k
2023: €662k
2024: €656k
2018 → 2025
Total assets
€1.72M▲ 10.2%
2024 · €1.56M
2018: €1.67M
2019: €1.62M
2020: €1.64M
2021: €1.71M
2023: €1.54M
2024: €1.56M
2018 → 2025
Net result
€-12k▼ 84.9%
2024 · €-7k
2018: €13k
2019: €53k
2020: €53k
2021: €25k
2023: €27k
2024: €-7k
2018 → 2025
Working capital
€431k▲ 11.3%
2024 · €387k
2018: €253k
2019: €352k
2020: €385k
2021: €423k
2023: €389k
2024: €387k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€610k-€635k▲ 4.1%€662k▲ 4.3%€656k▼ 1.0%€644k▼ 1.8%
Operating result€56k-€51k▼ 9.3%€57k▲ 13.2%€16k▼ 72.2%€20k▲ 28.3%
Net result€53k-€25k▼ 53.0%€27k▲ 10.9%€-7k€-12k▼ 84.9%
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 recovers in 2025; 2025 is 28% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.72M
Fixed assets
€527k▲ 9.3%
Current assets
€1.19M▲ 10.5%
Equity and liabilities €1.72M
Equity
€644k▼ 1.8%
Provisions
€73k▼ 13.4%
Debt
€999k▲ 22.2%
The debt ratio rises from 52.5% to 58.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€83k▼
2024 · €89k
Cash flow
€50k▼
2024 · €66k
Solvency
37.5%▼
2024 · 42.1%
Current ratio
1.57▲
2024 · 1.56
Quick ratio
0.64▼
2024 · 0.67
Debt / equity
1.55▲
2024 · 1.25
ROE
-1.9%▼
2024 · -1.0%
ROA
-0.7%▼
2024 · -0.4%
Interest coverage
2.35▼
2024 · 3.71
Debt
€999k▲
2024 · €817k
Debt ≤ 1 year
€757k▲
2024 · €688k
Debt > 1 year
€242k▲
2024 · €129k
Income taxes
€11k▲
2024 · €9k
Staff costs
€126k▼
2024 · €142k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.56M€1.72M▲
Fixed assets21/28€483k€527k▲
Intangible fixed assets21-€12k
Tangible fixed assets22/27€482k€507k▲
Land and buildings22€399k€361k▼
Plant, machinery and equipment23€60k€84k▲
Furniture and vehicles24€23k€62k▲
Financial fixed assets28€611€8k▲
Current assets29/58€1.07M€1.19M▲
Stocks and contracts in progress3€615k€703k▲
Stocks30/36€615k€703k▲
Amounts receivable within one year40/41€431k€444k▲
Trade receivables40€57k€72k▲
Other amounts receivable41€374k€372k▼
Cash at bank and in hand54/58€27k€32k▲
Deferred charges and accrued income490/1€2k€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.56M€1.72M▲
Equity10/15€656k€644k▼
Contributions10/11€200k€200k=
Capital10€200k€200k=
Issued capital100€200k€200k=
Reserves13€284k€272k▼
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Tax-exempt reserves132€255k€221k▼
Distributable reserves133€9k€31k▲
Profit (loss) carried forward14€172k€172k=
Provisions and deferred taxes16€85k€73k▼
Deferred taxes168€85k€73k▼
Amounts payable17/49€817k€999k▲
Amounts payable after more than one year17€129k€242k▲
Financial debts170/4€129k€242k▲
Amounts payable within one year42/48€688k€757k▲
Current portion of amounts payable after more than one year42€39k€73k▲
Financial debts43€125k€150k▲
Credit institutions430/8€125k€150k▲
Trade debts44€349k€328k▼
Suppliers440/4€349k€328k▼
Advances received on contracts in progress46-€97k
Taxes, remuneration and social security45€58k€39k▼
Taxes450/3€36k€18k▼
Remuneration and social security454/9€22k€22k▼
Other amounts payable47/48€117k€70k▼
Income statement
Code20242025
Non-recurring operating income76A€1k€12k▲
Remuneration, social security and pensions62€142k€126k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€62k▼
Other operating charges640/8€16k€10k▼
Gross operating margin9900€247k€219k▼
Operating profit (loss)9901€16k€20k▲
Financial income75/76B€850€3k▲
Recurring financial income75€850€3k▲
Financial charges65/66B€24k€35k▲
Recurring financial charges65€24k€35k▲
Profit (loss) for the period before taxes9903€-7k€-12k▼
Transfer from deferred taxes780€10k€11k▲
Income taxes67/77€9k€11k▲
Profit (loss) for the period9904€-7k€-12k▼
Transfer from tax-exempt reserves789€29k€34k▲
Profit (loss) for the period to be appropriated9905€23k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€172k€194k▲
Profit (loss) brought forward from the previous period14P€150k€172k▲
Transfer to equity691/2-€22k
To other reserves6921-€22k
The notes to these accounts (16 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
2025
14-11
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
31-03
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series.
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lier · 2 establishment units since 1985
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.
Antwerpsesteenweg 4972500 LierGround area
5,492 m²
Building footprint
392 m²
Volume, LiDAR
8,453 m³
2 parcels, Flanders · tallest building 28.8 m, ±9 floors. Linked by address, not a title deed.
2 establishment units
Antwerpsesteenweg 497, 2500 Lier
since 19852.028.030.072
Qualivino
since 20242.365.145.456
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0356/00V011 | Flanders | 5,366 m² | 1 · 321 m² | 28.8 m · 9 fl. |
| 12393F0330/00L004indicative | Flanders | 126 m² | 1 · 71 m² | 6.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 4,935 EUR awarded · 4,935 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,090 EUR | 3,090 EUR |
| 2024 | 1 | 345 EUR | 345 EUR |
| 2022 | 1 | 1,500 EUR | 1,500 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAntwerpen2.365.145.456
Lier2.028.030.072
Similar companies · same sector, comparable size
ARTEVINO / NWW
BE 0873.396.215
Zoersel · Eq €646k
DRANKENSERVICE RUDY AMPE
BE 0870.988.239
Izegem · Eq €641k
DIVINS
BE 0437.744.073
Huy · Eq €648k
DACEDE INVEST
BE 0434.306.216
Koksijde · Eq €649k
BROUWERIJ ROSSEEL
BE 0446.045.986
Izegem · Eq €636k
Of 1,581 companies in sector 46349 we hold annual accounts for 986. 649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-10-1953
Fiscal year end31-03
Activities, NACEBEL
46349Wholesale of beverages, general range
51340
47252Retail sale of beverages, general range
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 47 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.