Summary
QUIDUM 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 €184,890 and a net result of €47,245. Equity is shrinking by about 10% per year across the filed financial years. Its solvency ranks better than 75% of 1,814 sector peers (NACE 66, financial year 2025). The company has been active since 2008 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
Equity
€184,890▲ 1.7%
2024 · €181,844
Net result
€47,245▼ 20.1%
2024 · €59,107
Total assets
€273,256▲ 22.4%
2024 · €223,196
Solvency
67.7%▼ 13.8pp
2024 · 81.5%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result has fallen two years in a row; 2025 is 17% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€72,244
2025
Net result€47,245
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€273,256
2025
Equity€184,890
2025
Debt€88,366
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€133,116
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)17.3%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency67.7%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.51
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)2.3
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€21,757-€97,216▲ 347%€94,711▼ 2.6%€109,233▲ 15.3%€29,213▼ 73.3%€182,733▲ 526%€87,007▼ 52.4%€72,244▼ 17.0%
Net result-€485-€91,773€94,595above the sector's middle half▲ 3.1%€81,567above the sector's middle half▼ 13.8%€20,070within the sector's middle half▼ 75.4%€135,113within the sector's middle half▲ 573%€59,107within the sector's middle half▼ 56.3%€47,245within the sector's middle half▼ 20.1%
Equity€328,600-€420,373▲ 27.9%€514,968above the sector's middle half▲ 22.5%€180,231within the sector's middle half▼ 65.0%€139,876within the sector's middle half▼ 22.4%€203,354within the sector's middle half▲ 45.4%€181,844within the sector's middle half▼ 10.6%€184,890within the sector's middle half▲ 1.7%
Total assets€360,214-€449,025▲ 24.7%€535,100within the sector's middle half▲ 19.2%€218,272within the sector's middle half▼ 59.2%€236,813below the sector's middle half▲ 8.5%€328,563below the sector's middle half▲ 38.7%€223,196below the sector's middle half▼ 32.1%€273,256below the sector's middle half▲ 22.4%
Debt€31,614-€28,652▼ 9.4%€20,132▼ 29.7%€38,041▲ 89.0%€96,937▲ 155%€125,209▲ 29.2%€41,352▼ 67.0%€88,366▲ 114%
Working capital€303,736-€411,024▲ 35.3%€510,836above the sector's middle half▲ 24.3%€153,517within the sector's middle half▼ 69.9%€114,221within the sector's middle half▼ 25.6%€237,649within the sector's middle half▲ 108%€134,172within the sector's middle half▼ 43.5%€133,116within the sector's middle half▼ 0.8%
Solvency91.2%-93.6%▲ 2.4pp96.2%above the sector's middle half▲ 2.6pp82.6%above the sector's middle half▼ 13.7pp59.1%within the sector's middle half▼ 23.5pp61.9%within the sector's middle half▲ 2.8pp81.5%above the sector's middle half▲ 19.6pp67.7%within the sector's middle half▼ 13.8pp
Current ratio10.61-15.35▲ 4.7426.37above the sector's middle half▲ 11.035.04above the sector's middle half▼ 21.342.18within the sector's middle half▼ 2.865.12above the sector's middle half▲ 2.944.24above the sector's middle half▼ 0.872.51within the sector's middle half▼ 1.74
Return on assets (ROA)-0.1%-20.4%▲ 20.6pp17.7%within the sector's middle half▼ 2.8pp37.4%above the sector's middle half▲ 19.7pp8.5%within the sector's middle half▼ 28.9pp41.1%above the sector's middle half▲ 32.6pp26.5%above the sector's middle half▼ 14.6pp17.3%within the sector's middle half▼ 9.2pp
Staff (FTE)1.6-1.4▼ 12.5%1.4within the sector's middle half=3▲ 114%2.3within the sector's middle half▼ 23.3%2.5within the sector's middle half▲ 8.7%2.3within the sector's middle half▼ 8.0%2.3within the sector's middle half=
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €273,256
Fixed assets
€51,774 ▲ 8.6%
Current assets
€221,482 ▲ 26.2%
Equity and liabilities €273,256
Equity
€184,890 ▲ 1.7%
Debt
€88,366 ▲ 114%
Debt's share of the balance-sheet total rises from 18.5% to 32.3%. Equity and debt are higher.
Key figures and ratios
ROE
25.6%▼
2024 · 32.5%
Debt ≤ 1 year
€88,366▲
2024 · €41,352
Income taxes
€22,304▼
2024 · €27,634
Staff costs
€218,958▲
2024 · €189,778
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €84,846 | €131,566 | €118,575 | €189,778 | €218,958 | ▲ 15.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,637 | €16,920 | €9,719 | €1,953 | €2,592 | €3,415 | €5,156 | €8,012 | ▲ 55.4% |
| Other operating charges640/8 | - | - | - | €2,794 | €2,747 | €27,345 | €3,168 | €8,903 | ▲ 181% |
| Gross operating margin9900 | €131,262 | €191,035 | €181,539 | €198,826 | €166,117 | €332,068 | €285,109 | €308,116 | ▲ 8.1% |
| Operating profit (loss)9901 | €21,757 | €97,216 | €94,711 | €109,233 | €29,213 | €182,733 | €87,007 | €72,244 | ▼ 17.0% |
| Financial income75/76B | - | - | - | €2,091 | €2,321 | €1,878 | €2,739 | €767 | ▼ 72.0% |
| Recurring financial income75 | €8 | €57 | €5,543 | €134 | €182 | €333 | €905 | €767 | ▼ 15.2% |
| Non-recurring financial income76B | - | - | - | €1,956 | €2,139 | €1,545 | €1,834 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €1,134 | €1,530 | €1,341 | €3,006 | €3,462 | ▲ 15.2% |
| Recurring financial charges65 | €13,690 | -€9,623 | €1,986 | €1,134 | €1,530 | €1,341 | €3,006 | €3,462 | ▲ 15.2% |
| Profit (loss) for the period before taxes9903 | €11,459 | €131,198 | €121,583 | €110,189 | €30,004 | €183,270 | €86,740 | €69,549 | ▼ 19.8% |
| Income taxes67/77 | €11,944 | €39,425 | €26,988 | €28,623 | €9,934 | €48,156 | €27,634 | €22,304 | ▼ 19.3% |
| Profit (loss) for the period9904 | -€485 | €91,773 | €94,595 | €81,567 | €20,070 | €135,113 | €59,107 | €47,245 | ▼ 20.1% |
| Transfer from tax-exempt reserves789 | - | - | - | €1,836 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€601 | €91,591 | €94,595 | €83,402 | €20,070 | €135,113 | €59,107 | €47,245 | ▼ 20.1% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €360,214 | €449,025 | €535,100 | €218,272 | €236,813 | €328,563 | €223,196 | €273,256 | ▲ 22.4% |
| Fixed assets21/28 | €24,864 | €9,350 | €4,133 | €26,714 | €25,654 | €33,172 | €47,672 | €51,774 | ▲ 8.6% |
| Intangible fixed assets21 | - | - | - | - | - | - | - | €4,758 | - |
| Tangible fixed assets22/27 | €24,864 | €9,350 | €4,133 | €16,614 | €16,217 | €24,414 | €38,913 | €39,045 | ▲ 0.3% |
| Plant, machinery and equipment23 | - | - | - | €775 | €395 | €16 | €1,553 | €994 | ▼ 36.0% |
| Furniture and vehicles24 | - | - | - | €836 | €1,081 | €7,365 | €17,602 | €13,789 | ▼ 21.7% |
| Other tangible fixed assets26 | - | - | - | €15,003 | €14,741 | €17,034 | €19,758 | €24,262 | ▲ 22.8% |
| Financial fixed assets28 | - | - | - | €10,100 | €9,438 | €8,758 | €8,758 | €7,971 | ▼ 9.0% |
| Current assets29/58 | €335,350 | €439,675 | €530,967 | €191,558 | €211,159 | €295,390 | €175,524 | €221,482 | ▲ 26.2% |
| Amounts receivable within one year40/41 | €46,358 | €64,479 | €45,570 | €4,091 | €24,518 | €48,721 | €101,647 | €115,424 | ▲ 13.6% |
| Trade receivables40 | - | - | - | €1,363 | €3,563 | €44,665 | €43,685 | €51,492 | ▲ 17.9% |
| Other amounts receivable41 | - | - | - | €2,727 | €20,955 | €4,056 | €57,962 | €63,932 | ▲ 10.3% |
| Current investments50/53 | €201,243 | €235,725 | - | - | - | - | - | €5,476 | - |
| Cash at bank and in hand54/58 | €87,748 | €139,471 | €485,397 | €146,095 | €155,747 | €197,682 | €68,774 | €82,321 | ▲ 19.7% |
| Deferred charges and accrued income490/1 | - | - | - | €41,371 | €30,894 | €48,987 | €5,103 | €18,261 | ▲ 258% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €360,214 | €449,025 | €535,100 | €218,272 | €236,813 | €328,563 | €223,196 | €273,256 | ▲ 22.4% |
| Equity10/15 | €328,600 | €420,373 | €514,968 | €180,231 | €139,876 | €203,354 | €181,844 | €184,890 | ▲ 1.7% |
| Contributions10/11 | €20,000 | €20,000 | - | €20,000 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €309,201 | €400,974 | €495,569 | €160,231 | €119,876 | €183,354 | €161,844 | €164,890 | ▲ 1.9% |
| Tax-exempt reserves132 | - | - | - | €448 | €448 | €448 | €448 | €448 | = |
| Distributable reserves133 | - | - | - | €159,783 | €119,428 | €182,907 | €161,396 | €164,442 | ▲ 1.9% |
| Profit (loss) carried forward14 | -€601 | -€601 | -€601 | - | - | - | - | €0 | - |
| Amounts payable17/49 | €31,614 | €28,652 | €20,132 | €38,041 | €96,937 | €125,209 | €41,352 | €88,366 | ▲ 114% |
| Amounts payable within one year42/48 | €31,614 | €28,652 | €20,132 | €38,041 | €96,937 | €57,741 | €41,352 | €88,366 | ▲ 114% |
| Financial debts43 | - | - | - | €1,641 | €2,610 | - | - | €30,264 | - |
| Credit institutions430/8 | - | - | - | €1,641 | €2,610 | - | - | €30,264 | - |
| Trade debts44 | €605 | €20,620 | €12,106 | €8,044 | €2,920 | €30,313 | €17,720 | €22,927 | ▲ 29.4% |
| Suppliers440/4 | - | - | - | €8,044 | €2,920 | €30,313 | €17,720 | €22,927 | ▲ 29.4% |
| Taxes, remuneration and social security45 | - | - | - | €28,336 | €29,882 | €27,428 | €23,633 | €35,174 | ▲ 48.8% |
| Taxes450/3 | - | - | - | €4,610 | €4,099 | €2,763 | €2,305 | €8,424 | ▲ 265% |
| Remuneration and social security454/9 | - | - | - | €23,727 | €25,782 | €24,665 | €21,328 | €26,750 | ▲ 25.4% |
| Other amounts payable47/48 | - | - | - | €19 | €61,526 | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | - | €67,467 | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€485 | €91,773 | €94,595 | €81,567 | €20,070 | €135,113 | €59,107 | €47,245 | ▼ 20.1% |
| + Depreciation and write-downs630 | €25,637 | €16,920 | €9,719 | €1,953 | €2,592 | €3,415 | €5,156 | €8,012 | ▲ 55.4% |
| Operating cash flow (approximation) | €25,151 | €108,693 | €104,314 | €83,520 | €22,661 | €138,529 | €64,263 | €55,256 | ▼ 14.0% |
| Investment in fixed assets (approximation) | - | -€1,405 | -€4,502 | -€24,535 | -€1,532 | -€10,934 | -€19,656 | -€12,114 | ▲ 38.4% |
| Change in cash | - | €51,723 | €345,925 | -€339,301 | €9,651 | €41,935 | -€128,908 | €13,547 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 17 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 30-06-2026 | 2026-00257501 |
| 31-12-2024 | abbreviated format | 25-08-2025 | 2025-00400750 |
| 31-12-2023 | abbreviated format | 06-08-2024 | 2024-00331671 |
| 31-12-2022 | abbreviated format | 01-09-2023 | 2023-00424372 |
| 31-12-2021 | micro format | 31-08-2022 | 2022-20418354 |
| 31-12-2020 | micro format | 18-06-2021 | 2021-21400381 |
| 31-12-2019 | micro format | 12-06-2020 | 2020-16400368 |
| 31-12-2018 | micro format | 14-06-2019 | 2019-18400370 |
| 31-12-2017 | micro format | 08-06-2018 | 2018-16800288 |
| 31-12-2016 | abbreviated format | 16-06-2017 | 2017-19000159 |
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Of the 1,652 active companies whose main activity is agents and brokers in banking services (NACE 66191), figures are known for 1,204. 1,088 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2024 · 3 entries · €324 awarded · €324 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2024 | 1 | €50 | €50 |
| 2023 | 1 | €56 | €56 |
| 2022 | 1 | €218 | €218 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.