Losses
The 2023 and 2024 financial years closed with a loss. 2024 was the heaviest.
The 2023 and 2024 financial years closed with a loss. 2024 was the heaviest.
2025 accounts not filed: deadline was 31-07-2026.
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 20% of them on solvency, 4% on liquidity, 29% on profitability and 7% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 912 companies had the same profile as QUERIMMO has now. Each dot stands for 3 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of QUERIMMO itself: 2.5% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 912 companies, not a prediction for QUERIMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.0 (1.02 in 2023), below the usual 1.5. Short-term debt is 99.6% and cash 0.9% of total assets. 99.6% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 6 accounts on average 62 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| QUERIMMO Saint-Ghislain | - | - | 0.4% | - |
| TOBAT CONSTRUCT La Louvière | €51,930 | - | -10.4% | - |
| Inviva Berchem-Sainte-Agathe | - | - | 43.7% | - |
| Junilou Knokke-Heist | - | - | -0.3% | - |
| INBUDEC Uccle | - | - | -13.2% | - |
| GROENPLEIN CONSTRUCT Hasselt | €47,493 | -2.9% | 15.7% | 0 |
| Résidence de Gonhache Libramont-Chevigny | - | - | -29.4% | - |
These companies have the same main activity as QUERIMMO: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €918,000 and €1m, founded between 2014 and 2016.
QUERIMMO files the micro format. That format states no turnover. The gross margin fell from €0 in 2017 to -€10,570 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 10 November 2026.
Turnover and EBIT margin are not published. The micro format does not require them.
Higher than 20% of 19,156 companies in 2024.
Higher than 45% of 18,317 companies in 2024.
Higher than 29% of 18,795 companies in 2024.
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||
20/58 |
977,152 | 1.0m | 727,463 | 459,310 | 200,308 | 1,413 | 1,413 | 6,200 | |
29/58 |
977,152 | 1.0m | 727,463 | 459,310 | 200,308 | 1,413 | 1,413 | 6,200 | |
3 |
463,475 | 927,332 | 640,277 | 392,020 | 185,133 | - | - | - | |
30/36 |
463,475 | 927,332 | 640,277 | 392,020 | 185,133 | - | - | - | |
40/41 |
505,205 | 117,737 | 86,388 | 65,700 | 15,154 | 1,413 | 1,413 | 6,200 | |
40 |
4,977 | 78,392 | 77,450 | 62,935 | - | - | - | - | |
41 |
500,228 | 39,345 | 8,938 | 2,765 | 15,154 | 1,413 | 1,413 | 6,200 | |
54/58 |
8,472 | - | 798 | 1,590 | 21 | - | - | - | |
| Balance sheet: equity and liabilities | |||||||||
10/49 |
977,152 | 1.0m | 727,463 | 459,310 | 200,308 | 1,413 | 1,413 | 6,200 | |
10/15 |
3,937 | 20,230 | 35,810 | 24,904 | -14,019 | -9,794 | -9,740 | 6,200 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | 12,400 | 12,400 | 12,400 | |
11 |
- | 6,200 | 6,200 | 6,200 | 6,200 | - | - | - | |
1109/19 |
- | 6,200 | 6,200 | 6,200 | 6,200 | - | - | - | |
14 |
-2,263 | 14,030 | 29,610 | 18,704 | -20,219 | -15,994 | -15,940 | - | |
17/49 |
973,215 | 1.0m | 691,653 | 434,406 | 214,327 | 11,207 | 11,153 | - | |
42/48 |
973,215 | 1.0m | 691,653 | 434,406 | 214,327 | 11,207 | 11,153 | - | |
43 |
12,000 | 11,488 | - | - | - | - | - | - | |
430/8 |
- | 11,488 | - | - | - | - | - | - | |
439 |
12,000 | - | - | - | - | - | - | - | |
44 |
347,162 | 327,879 | 240,809 | 94,209 | 83,108 | 11,108 | 11,108 | - | |
440/4 |
259,738 | 327,879 | 240,809 | 73,499 | 82,246 | 11,108 | 11,108 | - | |
441 |
87,425 | - | - | 20,710 | 862 | - | - | - | |
46 |
- | - | - | 36,300 | - | - | - | - | |
45 |
11,060 | - | 9,011 | 6,260 | - | - | - | - | |
450/3 |
11,060 | - | 9,011 | 6,260 | - | - | - | - | |
47/48 |
602,992 | 685,472 | 441,833 | 297,637 | 131,219 | 99 | 45 | - | |
| Income statement | |||||||||
70 |
- | - | - | - | - | - | - | 0 | |
76A |
- | - | - | - | - | - | - | 0 | |
9900 |
-10,570 | -14,563 | 15,168 | 45,855 | -1,217 | -54 | -15,940 | 0 | |
640/8 |
1,666 | 329 | 275 | 132 | - | - | - | - | |
9901 |
-12,236 | -14,892 | 14,893 | 45,723 | -1,217 | -54 | -15,940 | - | |
75/76B |
0 | - | - | - | - | - | - | - | |
75 |
0 | - | - | - | - | - | - | - | |
65/66B |
146 | 688 | 236 | 540 | 3,008 | - | - | - | |
65 |
146 | 688 | 236 | 540 | 3,008 | - | - | - | |
9903 |
-12,382 | -15,580 | 14,657 | 45,183 | -4,225 | -54 | -15,940 | - | |
67/77 |
3,911 | - | 3,000 | 6,260 | - | - | - | - | |
9904 |
-16,293 | -15,580 | 11,657 | 38,923 | -4,225 | -54 | -15,940 | - | |
9905 |
-16,293 | -15,580 | 11,657 | 38,923 | -4,225 | -54 | -15,940 | - | |
| Appropriation of the result | |||||||||
9906 |
-2,263 | 14,030 | 29,610 | 18,704 | -20,219 | -15,994 | -15,940 | - | |
14P |
14,030 | 29,610 | 17,953 | -20,219 | - | - | - | - | |
| Document | |||||||||
The notes to these accounts have 1 item. You find them in the filed accounts (PDF).
Source: Annual accounts 2024 (PDF), filed on 10-10-2025.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | micro format | 10-10-2025 | 2025-00545661 | |
| 31-12-2023 | micro format | 29-11-2024 | 2024-00608254 | |
| 31-12-2022 | micro format | 01-09-2023 | 2023-00443395 | |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20414215 | |
| 31-12-2020 | micro format | 09-09-2021 | 2021-66800573 | |
| 31-12-2019 | micro format | 16-10-2020 | 2020-62100499 | |
| 31-12-2018 | micro format | 27-08-2019 | 2019-52400108 | |
| 31-12-2017 | micro format | 17-09-2018 | 2018-63100599 |
| Line | Trend | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| - | - | -792 | 1,569 | - | - | - | - | ||
| 3,937 | 20,230 | 35,810 | 24,904 | -14,019 | -9,794 | -9,740 | - | ||
| 0.4% | 1.9% | 4.9% | 5.4% | -7.0% | - | - | 100.0% | ||
| 1.00 | 1.02 | 1.05 | 1.06 | 0.93 | - | - | - | ||
| 0.53 | 0.11 | 0.13 | 0.15 | 0.07 | - | - | - | ||
| - | 50.66 | 19.31 | 17.44 | - | - | - | - | ||
| -413.9% | -77.0% | 32.6% | 156.3% | - | - | - | - | ||
| -1.7% | -1.5% | 1.6% | 8.5% | -2.1% | - | - | - |
A ratio outside any meaningful range has been withheld (balance sheet total €977,152, equity €3,937).
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
The operating result for 2024 is a loss of €12,236, smaller than the loss of €14,892 in 2023.
Debt's share of the balance-sheet total rises from 98.1% to 99.6%. Equity and debt are lower.
QUERIMMO has no parent and no holdings in its annual accounts. QUERIMMO shares no director with another company.
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Projects 3D Development registered office Rue Grande 62B, 7330 Saint-Ghislain | 01-01-2016 | 2.247.819.897 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 53070B0261/00R000 | 174 m² | 1 · 90 m² | 14.7 m · 4 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0642.474.055
If something looks wrong or is missing, please tell us.