Summary
QUBILO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €175,068 and a net result of €73,823. Equity is growing by ~82.8% per year across the filed fiscal years. Its solvency ranks better than 40% of 8074 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
21 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 7 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator 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 What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€175,068▲ 72.9%
2024 · €101,245
Net result
€73,823▼ 21.4%
2024 · €93,937
Total assets
€448,060▲ 8.2%
2024 · €414,121
Solvency
39.1%▲ 14.6pp
2024 · 24.4%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result€8,857-€136,427▲ 1,440%€107,014▼ 21.6%
Net result€2,309-€93,937▲ 3,969%€73,823▼ 21.4%
Equity€7,309-€101,245▲ 1,285%€175,068▲ 72.9%
Total assets€333,028-€414,121▲ 24.4%€448,060▲ 8.2%
Debt€325,719-€312,876▼ 3.9%€272,992▼ 12.7%
Working capital-€32,555-€49,658€84,973▲ 71.1%
Solvency2.2%-24.4%▲ 22.3pp39.1%▲ 14.6pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €448,060
Fixed assets
€299,737 ▲ 0.9%
Current assets
€148,323 ▲ 26.6%
Equity and liabilities €448,060
Equity
€175,068 ▲ 72.9%
Debt
€272,992 ▼ 12.7%
Debt's share of the balance-sheet total falls from 75.6% to 60.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
42.2%▼
2024 · 92.8%
ROA
16.5%▼
2024 · 22.7%
Debt ≤ 1 year
€63,350▼
2024 · €67,500
Debt > 1 year
€209,642▼
2024 · €245,375
Income taxes
€26,176▼
2024 · €31,908
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | €1,928 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,014 | €16,515 | €11,715 | ▼ 29.1% |
| Other operating charges640/8 | €3,683 | €200 | €306 | ▲ 53.0% |
| Non-recurring operating charges66A | - | - | €7,400 | - |
| Gross operating margin9900 | €18,555 | €153,142 | €126,435 | ▼ 17.4% |
| Operating profit (loss)9901 | €8,857 | €136,427 | €107,014 | ▼ 21.6% |
| Financial income75/76B | €2 | €388 | €4,051 | ▲ 944% |
| Recurring financial income75 | €2 | €388 | €4,051 | ▲ 944% |
| Financial charges65/66B | €4,981 | €10,970 | €11,066 | ▲ 0.9% |
| Recurring financial charges65 | €4,981 | €10,970 | €11,066 | ▲ 0.9% |
| Profit (loss) for the period before taxes9903 | €3,878 | €125,845 | €99,998 | ▼ 20.5% |
| Income taxes67/77 | €1,570 | €31,908 | €26,176 | ▼ 18.0% |
| Profit (loss) for the period9904 | €2,309 | €93,937 | €73,823 | ▼ 21.4% |
| Profit (loss) for the period to be appropriated9905 | €2,309 | €93,937 | €73,823 | ▼ 21.4% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €333,028 | €414,121 | €448,060 | ▲ 8.2% |
| Formation expenses20 | €1,431 | - | - | - |
| Fixed assets21/28 | €318,338 | €296,963 | €299,737 | ▲ 0.9% |
| Tangible fixed assets22/27 | €68,338 | €61,963 | €79,737 | ▲ 28.7% |
| Plant, machinery and equipment23 | - | €874 | €506 | ▼ 42.1% |
| Furniture and vehicles24 | €68,338 | €57,875 | €72,638 | ▲ 25.5% |
| Other tangible fixed assets26 | - | €3,214 | €6,593 | ▲ 105% |
| Financial fixed assets28 | €250,000 | €235,000 | €220,000 | ▼ 6.4% |
| Current assets29/58 | €13,259 | €117,158 | €148,323 | ▲ 26.6% |
| Current investments50/53 | - | €61,070 | €42,178 | ▼ 30.9% |
| Cash at bank and in hand54/58 | €13,194 | €56,023 | €106,080 | ▲ 89.4% |
| Deferred charges and accrued income490/1 | €65 | €65 | €65 | = |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €333,028 | €414,121 | €448,060 | ▲ 8.2% |
| Equity10/15 | €7,309 | €101,245 | €175,068 | ▲ 72.9% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €2,309 | €96,245 | €170,068 | ▲ 76.7% |
| Distributable reserves133 | €2,309 | €96,245 | €170,068 | ▲ 76.7% |
| Amounts payable17/49 | €325,719 | €312,876 | €272,992 | ▼ 12.7% |
| Amounts payable after more than one year17 | €279,906 | €245,375 | €209,642 | ▼ 14.6% |
| Financial debts170/4 | €279,906 | €245,375 | €209,642 | ▼ 14.6% |
| Amounts payable within one year42/48 | €45,814 | €67,500 | €63,350 | ▼ 6.1% |
| Current portion of amounts payable after more than one year42 | €33,368 | €34,530 | €35,733 | ▲ 3.5% |
| Trade debts44 | €876 | €841 | €918 | ▲ 9.1% |
| Suppliers440/4 | €876 | €841 | €918 | ▲ 9.1% |
| Taxes, remuneration and social security45 | €1,570 | €31,860 | €26,354 | ▼ 17.3% |
| Taxes450/3 | €1,570 | €31,860 | €26,354 | ▼ 17.3% |
| Other amounts payable47/48 | €10,000 | €269 | €345 | ▲ 28.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,309 | €93,937 | €73,823 | ▼ 21.4% |
| + Depreciation and write-downs630 | €6,014 | €16,515 | €11,715 | ▼ 29.1% |
| Operating cash flow (approximation) | €8,323 | €110,451 | €85,538 | ▼ 22.6% |
| Investment in fixed assets (approximation) | - | €4,861 | -€14,489 | ▼ 398% |
| Change in cash | - | €42,829 | €50,057 | ▲ 16.9% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150,000Eq €175,068 ▲72.9%
3 profitable years in a row build equity to €175,068.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €93,937 ▲3,969%
Operating result €136,427, net result €93,937, both a record.
31-12
Financial
Liquidity times 6current ratio 1.74
Current ratio from 0.29 to 1.74.
31-12
Financial
Equity above €100,000Eq €101,245 ▲1,285%
2 profitable years in a row build equity to €101,245.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not 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
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, Beringen · 1 establishment unit since 2023
Ground area
514 m²
Building footprint
113 m²
Parcel 71029B0127/00X000, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
QUBILO
since 20232.345.961.826
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71029B0127/00X000 | Flanders | 514 m² | 1 · 113 m² | - |
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.
Similar companies · same sector, comparable size
De Roskam - Lokeren
BE 0897.788.547
Lokeren · Eq €175,076
VEGACO
BE 0711.948.920
Tielt · Eq €175,091
IMAGINE L
BE 0864.984.830
Antwerpen · Eq €175,105
ALBATROS
BE 0747.511.989
Sint-Niklaas · Eq €174,906
100%
BE 0824.021.433
Ieper · Eq €174,884
Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,459 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-05-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0802124573
Also
9925:BE0802124573
Registered
02-09-2023
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.