QUEVIM
ActiveSummary
QUEVIM has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €877k and a net result of €251k. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability60▲+16
Solvency39▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.43 in 2024; short-term debt: 22.6% and cash: 15% of total assets), but 86.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
13.8%
Return on assets
3.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 4178 sector peers (2025).
NBB · sector comparisonPosition among 4178 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 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
13 d late
2023
30 d late
2022
14 d early
2021
27 d early
2020
5 d early
2019
28 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€251k
2024 · €-37k
2018: €26k
2019: €-62k▼ -337% vs 2018lowest in 8 years
2020: €250k▲ +502% vs 2019
2021: €180k▼ -28.0% vs 2020
2022: €103k▼ -42.9% vs 2021
2023: €253k▲ +146% vs 2022highest in 8 years
2024: €-37k▼ -115% vs 2023
2025: €251k▲ +772% vs 2024
2018 → 2025
Working capital
€795k▲ 9.6%
2024 · €725k
2018: €142k
2019: €65k▼ -54.2% vs 2018lowest in 8 years
2020: €89k▲ +37.5% vs 2019
2021: €277k▲ +210% vs 2020
2022: €418k▲ +50.9% vs 2021
2023: €627k▲ +50.1% vs 2022
2024: €725k▲ +15.7% vs 2023
2025: €795k▲ +9.6% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€308k-€411k▲ 33.3%€663k▲ 61.5%€626k▼ 5.6%€877k▲ 40.1%
2021: €308klowest in 5 years
2022: €411k▲ +33.3% vs 2021
2023: €663k▲ +61.5% vs 2022
2024: €626k▼ -5.6% vs 2023
2025: €877k▲ +40.1% vs 2024highest in 5 years
Operating result€267k-€169k▼ 36.8%€392k▲ 132%€80k▼ 79.6%€568k▲ 611%
2021: €267k
2022: €169k▼ -36.8% vs 2021
2023: €392k▲ +132% vs 2022
2024: €80k▼ -79.6% vs 2023lowest in 5 years
2025: €568k▲ +611% vs 2024highest in 5 years
Net result€180k-€103k▼ 42.9%€253k▲ 146%€-37k€251k
2021: €180k
2022: €103k▼ -42.9% vs 2021
2023: €253k▲ +146% vs 2022highest in 5 years
2024: €-37k▼ -115% vs 2023lowest in 5 years
2025: €251k▲ +772% vs 2024
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 611% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.16M
Fixed assets
€3.93M ▼ 6.8%
Current assets
€2.24M ▼ 6.9%
Equity and liabilities €6.36M
Equity
€877k ▲ 40.1%
Debt
€5.49M ▼ 12.2%
Debt's share of the balance-sheet total falls from 90.9% to 86.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.09M▲
2024 · €379k
Cash flow
€775k▲
2024 · €262k
Current ratio
1.55▲
2024 · 1.43
Quick ratio
1.11▼
2024 · 1.14
Debt to equity
6.25▼
2024 · 9.98
ROE
28.6%▲
2024 · -6.0%
ROA
3.9%▲
2024 · -0.5%
Interest coverage
4.31▲
2024 · 3.17
Debt ≤ 1 year
€1.44M▼
2024 · €1.68M
Debt > 1 year
€3.77M▼
2024 · €4.16M
Income taxes
€93k▲
2024 · €577
Staff costs
€1.49M▲
2024 · €1.20M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 63 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.87M€6.36M▼
Formation expenses20€257k€199k▼
Fixed assets21/28€4.21M€3.93M▼
Tangible fixed assets22/27€4.17M€3.88M▼
Land and buildings22€1.50M€1.45M▼
Plant, machinery and equipment23€2.27M€2.10M▼
Furniture and vehicles24€401k€322k▼
Assets under construction and advance payments27€0-
Financial fixed assets28€42k€52k▲
Current assets29/58€2.40M€2.24M▼
Stocks and contracts in progress3€490k€633k▲
Stocks30/36€490k€633k▲
Amounts receivable within one year40/41€785k€615k▼
Trade receivables40€276k€115k▼
Other amounts receivable41€510k€501k▼
Cash at bank and in hand54/58€1.05M€956k▼
Deferred charges and accrued income490/1€73k€31k▼
Equity and liabilities
Total equity and liabilities10/49€6.87M€6.36M▼
Equity10/15€626k€877k▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€526k€777k▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€181k€181k=
Distributable reserves133€335k€586k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€6.25M€5.49M▼
Amounts payable after more than one year17€4.16M€3.77M▼
Financial debts170/4€4.16M€3.77M▼
Amounts payable within one year42/48€1.68M€1.44M▼
Current portion of amounts payable after more than one year42€243k€412k▲
Financial debts43€103k€111k▲
Credit institutions430/8€103k€111k▲
Trade debts44€1.13M€744k▼
Suppliers440/4€1.13M€744k▼
Taxes, remuneration and social security45€201k€174k▼
Taxes450/3-€2k
Remuneration and social security454/9€201k€172k▼
Accrued charges and deferred income492/3€405k€270k▼
Income statement
Code20242025
Non-recurring operating income76A€41k€54k▲
Remuneration, social security and pensions62€1.20M€1.49M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€299k€524k▲
Other operating charges640/8€385€57k▲
Non-recurring operating charges66A€4k€5k▲
Gross operating margin9900€1.58M€2.64M▲
Operating profit (loss)9901€80k€568k▲
Financial income75/76B€27k€54k▲
Recurring financial income75€27k€54k▲
Financial charges65/66B€144k€278k▲
Recurring financial charges65€120k€253k▲
Non-recurring financial charges66B€24k€25k▲
Profit (loss) for the period before taxes9903€-37k€344k▲
Income taxes67/77€577€93k▲
Profit (loss) for the period9904€-37k€251k▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€-37k€251k▲
Appropriation of the result
Profit (loss) to be appropriated9906€329k€251k▼
Profit (loss) brought forward from the previous period14P€367k€0▼
Transfer to equity691/2€329k€251k▼
To other reserves6921€329k€251k▼
Social balance
Average headcount (FTE)908732.538.6▲
The notes to these accounts (26 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €2k | €10k | €5k | €41k | €54k | ▲ 30.7% |
| Remuneration, social security and pensions62 | €664k | €807k | €947k | €1.20M | €1.49M | ▲ 24.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €132k | €139k | €58k | €299k | €524k | ▲ 75.0% |
| Other operating charges640/8 | €59k | €83k | €48k | €385 | €57k | ▲ 14,756% |
| Non-recurring operating charges66A | €9k | €8k | €6k | €4k | €5k | ▲ 26.7% |
| Gross operating margin9900 | €1.13M | €1.20M | €1.45M | €1.58M | €2.64M | ▲ 67.1% |
| Operating profit (loss)9901 | €267k | €169k | €392k | €80k | €568k | ▲ 611% |
| Financial income75/76B | €15k | €17k | €23k | €27k | €54k | ▲ 101% |
| Recurring financial income75 | €15k | €17k | €23k | €27k | €54k | ▲ 101% |
| Financial charges65/66B | €37k | €42k | €71k | €144k | €278k | ▲ 93.6% |
| Recurring financial charges65 | €37k | €42k | €53k | €120k | €253k | ▲ 112% |
| Non-recurring financial charges66B | - | - | €18k | €24k | €25k | ▲ 3.7% |
| Profit (loss) for the period before taxes9903 | €244k | €143k | €343k | €-37k | €344k | ▲ 1,036% |
| Income taxes67/77 | €65k | €40k | €90k | €577 | €93k | ▲ 16,022% |
| Profit (loss) for the period9904 | €180k | €103k | €253k | €-37k | €251k | ▲ 772% |
| Transfer to tax-exempt reserves689 | - | - | €168k | €0 | - | - |
| Profit (loss) for the period to be appropriated9905 | €180k | €103k | €84k | €-37k | €251k | ▲ 772% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.34M | €1.58M | €2.07M | €6.87M | €6.36M | ▼ 7.4% |
| Formation expenses20 | - | - | - | €257k | €199k | ▼ 22.3% |
| Fixed assets21/28 | €260k | €300k | €428k | €4.21M | €3.93M | ▼ 6.8% |
| Tangible fixed assets22/27 | €255k | €295k | €415k | €4.17M | €3.88M | ▼ 7.1% |
| Land and buildings22 | €45k | - | - | €1.50M | €1.45M | ▼ 3.5% |
| Plant, machinery and equipment23 | €167k | €231k | €246k | €2.27M | €2.10M | ▼ 7.1% |
| Furniture and vehicles24 | €43k | €44k | €90k | €401k | €322k | ▼ 19.8% |
| Assets under construction and advance payments27 | - | €19k | €79k | €0 | - | - |
| Financial fixed assets28 | €5k | €5k | €13k | €42k | €52k | ▲ 22.6% |
| Current assets29/58 | €1.08M | €1.28M | €1.64M | €2.40M | €2.24M | ▼ 6.9% |
| Stocks and contracts in progress3 | €509k | €565k | €484k | €490k | €633k | ▲ 29.2% |
| Stocks30/36 | €509k | €565k | €484k | €490k | €633k | ▲ 29.2% |
| Amounts receivable within one year40/41 | €224k | €222k | €138k | €785k | €615k | ▼ 21.6% |
| Trade receivables40 | €35k | €23k | €11k | €276k | €115k | ▼ 58.4% |
| Other amounts receivable41 | €188k | €198k | €127k | €510k | €501k | ▼ 1.8% |
| Cash at bank and in hand54/58 | €335k | €487k | €984k | €1.05M | €956k | ▼ 9.3% |
| Deferred charges and accrued income490/1 | €11k | €6k | €36k | €73k | €31k | ▼ 57.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.34M | €1.58M | €2.07M | €6.87M | €6.36M | ▼ 7.4% |
| Equity10/15 | €308k | €411k | €663k | €626k | €877k | ▲ 40.1% |
| Contributions10/11 | €100k | €100k | €100k | €100k | €100k | = |
| Capital10 | €100k | €100k | €100k | €100k | €100k | = |
| Issued capital100 | €100k | €100k | €100k | €100k | €100k | = |
| Reserves13 | €28k | €28k | €197k | €526k | €777k | ▲ 47.7% |
| Non-distributable reserves130/1 | €10k | €10k | €10k | €10k | €10k | = |
| Legal reserve130 | €10k | €10k | €10k | €10k | €10k | = |
| Tax-exempt reserves132 | €13k | €13k | €181k | €181k | €181k | = |
| Distributable reserves133 | €5k | €5k | €5k | €335k | €586k | ▲ 75.0% |
| Profit (loss) carried forward14 | €180k | €282k | €367k | €0 | - | - |
| Provisions and deferred taxes16 | €1k | €1k | €0 | - | - | - |
| Provisions for liabilities and charges160/5 | €1k | €1k | €0 | - | - | - |
| Environmental obligations163 | - | - | €0 | - | - | - |
| Other liabilities and charges164/5 | €1k | €1k | - | - | - | - |
| Amounts payable17/49 | €1.03M | €1.17M | €1.41M | €6.25M | €5.49M | ▼ 12.2% |
| Amounts payable after more than one year17 | €227k | €306k | €230k | €4.16M | €3.77M | ▼ 9.3% |
| Financial debts170/4 | €227k | €306k | €230k | €4.16M | €3.77M | ▼ 9.3% |
| Amounts payable within one year42/48 | €801k | €862k | €1.02M | €1.68M | €1.44M | ▼ 14.1% |
| Current portion of amounts payable after more than one year42 | €65k | €76k | €79k | €243k | €412k | ▲ 69.6% |
| Financial debts43 | €75k | €75k | €129k | €103k | €111k | ▲ 8.0% |
| Credit institutions430/8 | €75k | €75k | €129k | €103k | €111k | ▲ 8.0% |
| Trade debts44 | €558k | €580k | €647k | €1.13M | €744k | ▼ 34.2% |
| Suppliers440/4 | €558k | €580k | €647k | €1.13M | €744k | ▼ 34.2% |
| Taxes, remuneration and social security45 | €103k | €131k | €162k | €201k | €174k | ▼ 13.1% |
| Taxes450/3 | €12 | - | €0 | - | €2k | - |
| Remuneration and social security454/9 | €103k | €131k | €162k | €201k | €172k | ▼ 14.2% |
| Accrued charges and deferred income492/3 | €373 | - | €162k | €405k | €270k | ▼ 33.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €180k | €103k | €253k | €-37k | €251k | ▲ 772% |
| + Depreciation and write-downs630 | €132k | €139k | €58k | €299k | €524k | ▲ 75.0% |
| Operating cash flow (approximation) | €312k | €241k | €310k | €262k | €775k | ▲ 196% |
| Investment in fixed assets (approximation) | - | €-179k | €-186k | €-4.08M | €-239k | ▲ 94.2% |
| Change in cash | - | €152k | €497k | €70k | €-98k | ▼ 241% |
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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 13 days late
2025
31-12
Financial
Back to profitnet €251k
Net result €251k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 13 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €253k ▲146%
Net result €253k, the highest in the series.
31-12
Financial
Equity above €500kEq €663k ▲61.5%
4 profitable years in a row build equity to €663k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €200kEq €308k ▲140%
2 profitable years in a row build equity to €308k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €250k
Net result €250k after one loss-making year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €-62k
Net result drops to €-62k, the lowest in the series; recovery starts the following year.
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 8 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 16 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Beloeil · 1 establishment unit since 1996
Ground area
7,069 m²
Building footprint
2,294 m²
Parcel 51050A1199/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
INTERMARCHE
since 19962.064.530.677
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51050A1199/00F000 | Wallonia | 7,069 m² | 1 · 2,294 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBeloeil2.064.530.677
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 2,402 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded19-10-1993
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.