QUINEZ
ActiveThe annual accounts of QUINEZ for fiscal year 2025 show a net loss of 55% of total assets. The 2025 annual accounts show equity of €106k and a net result of €-61k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 17046 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
59
/ 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
Profitability0=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 18.28 against 17.31 in 2024; short-term debt: 5.2% and cash: 3.1% of total assets), and 5.2% of the assets are financed with debt.
Credit advice 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
94.8%
Return on assets
-54.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-61k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 7 filingsDeviation from the deadline
2025
30 d late
2024
30 d late
2023
3 d early
2022
25 d late
2021
31 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▼ 36.6%
2024 · €168k
2019: €92k
2020: €123k
2021: €110k
2022: €173k
2023: €205k
2024: €168k
2019 → 2025
Total assets
€112k▼ 36.9%
2024 · €178k
2019: €140k
2020: €197k
2021: €136k
2022: €203k
2023: €227k
2024: €178k
2019 → 2025
Net result
€-61k▼ 65.6%
2024 · €-37k
2019: €86k
2020: €31k
2021: €-13k
2022: €63k
2023: €32k
2024: €-37k
2019 → 2025
Working capital
€101k▼ 37.8%
2024 · €162k
2019: €81k
2020: €109k
2021: €100k
2022: €159k
2023: €200k
2024: €162k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€173k▲ 57.1%€205k▲ 18.6%€168k▼ 18.1%€106k▼ 36.6%
Operating result€-12k-€80k€42k▼ 47.4%€-37k€-64k▼ 71.8%
Net result€-13k-€63k€32k▼ 49.0%€-37k€-61k▼ 65.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €64k in 2025 against €37k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€6k▼ 2.2%
Current assets
€107k▼ 38.0%
Equity and liabilities €112k
Equity
€106k▼ 36.6%
Debt
€6k▼ 41.3%
The debt ratio falls from 5.6% to 5.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-64k▼
2024 · €-36k
Cash flow
€-61k▼
2024 · €-35k
Solvency
94.8%▲
2024 · 94.4%
Current ratio
18.28▲
2024 · 17.31
Quick ratio
18.28▲
2024 · 17.31
Debt / equity
0.05▼
2024 · 0.06
ROE
-57.8%▼
2024 · -22.1%
ROA
-54.7%▼
2024 · -20.9%
Interest coverage
-66.00▼
2024 · -24.58
Debt
€6k▼
2024 · €10k
Debt ≤ 1 year
€6k▼
2024 · €10k
Income taxes
€260▼
2024 · €260
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€178k€112k▼
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€124-
Furniture and vehicles24€124-
Financial fixed assets28€6k€6k=
Current assets29/58€172k€107k▼
Amounts receivable within one year40/41€86k€84k▼
Trade receivables40-€7k
Other amounts receivable41€86k€77k▼
Cash at bank and in hand54/58€76k€3k▼
Deferred charges and accrued income490/1€11k€19k▲
Equity and liabilities
Total equity and liabilities10/49€178k€112k▼
Equity10/15€168k€106k▼
Contributions10/11€6k€6k=
Reserves13€162k€117k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€160k€115k▼
Profit (loss) carried forward14-€-16k
Amounts payable17/49€10k€6k▼
Amounts payable within one year42/48€10k€6k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€5k€260▼
Remuneration and social security454/9-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€124▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€-33k€-62k▼
Operating profit (loss)9901€-37k€-64k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€1k€972▼
Recurring financial charges65€1k€972▼
Profit (loss) for the period before taxes9903€-37k€-61k▼
Income taxes67/77€260€260▼
Profit (loss) for the period9904€-37k€-61k▼
Profit (loss) for the period to be appropriated9905€-37k€-61k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-61k▼
Transfer from equity791/2€37k€45k▲
The notes to these accounts (5 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
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-61k
Net result drops to €-61k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €205k ▲18.6%
2 profitable years in a row build equity to €205k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Back to profitnet €63k
Net result €63k after one loss-making year.
31-12
Financial
Equity above €150kEq €173k ▲57.1%
Equity rises from €110k to €173k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €123k ▲33.5%
2 profitable years in a row build equity to €123k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Mechelen · 1 establishment unit since 2019
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.
Zoutwerf 92800 MechelenGround area
301 m²
Building footprint
197 m²
Volume, LiDAR
2,178 m³
Parcel 12025D0398/00F000, Flanders · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
QUINEZ
since 20192.283.451.858
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025D0398/00F000 | Flanders | 301 m² | 1 · 197 m² | 13.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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INSITIC
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STEN Consulting
BE 1002.068.693
Pajottegem · Eq €106k
VANGUARD VISION
BE 0559.939.527
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ISIDORIX
BE 0784.897.769
Deinze · Eq €106k
Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,955 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-01-2019
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.