QUIVER
ActiveSummary
QUIVER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For QUIVER, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €818,046 and a net result of €166,026. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 60% of 1369 sector peers (fiscal year 2023). The company has been active since 2008 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.
Filing: At least two filing cycles are missing
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Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline29-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 28-06-2024, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
33 d early
2022
41 d early
2021
32 d early
2020
26 d early
2019
43 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 35 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2023, abbreviated schema
Equity
€818,046▲ 2.1%
2022 · €800,877
Net result
€166,026▲ 27.1%
2022 · €130,676
Total assets
€1.6m▲ 13.1%
2022 · €1.4m
Solvency
51.6%▼ 5.5pp
2022 · 57.1%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120222023
Operating result€282,262▲ 24.3%€234,574▼ 16.9%€220,194▼ 6.1%€189,226▼ 14.1%€246,601▲ 30.3%
Net result€178,721▲ 20.1%€156,301within the sector's middle half▼ 12.5%€149,477within the sector's middle half▼ 4.4%€130,676within the sector's middle half▼ 12.6%€166,026within the sector's middle half▲ 27.1%
Equity€1.1m▲ 19.4%€792,661above the sector's middle half▼ 27.9%€792,626above the sector's middle half=€800,877above the sector's middle half▲ 1.0%€818,046above the sector's middle half▲ 2.1%
Total assets€1.2m▲ 19.6%€1.3mwithin the sector's middle half▲ 10.2%€1.5mwithin the sector's middle half▲ 9.6%€1.4mwithin the sector's middle half▼ 4.2%€1.6mwithin the sector's middle half▲ 13.1%
Debt€112,068▲ 21.4%€542,211▲ 384%€671,059▲ 23.8%€601,030▼ 10.4%€766,941▲ 27.6%
Working capital€394,735▲ 149%-€16,211within the sector's middle half€48,715within the sector's middle half€267,677within the sector's middle half▲ 449%€126,462within the sector's middle half▼ 52.8%
Solvency90.8%▼ 0.1pp59.4%within the sector's middle half▼ 31.4pp54.2%within the sector's middle half▼ 5.2pp57.1%within the sector's middle half▲ 3.0pp51.6%within the sector's middle half▼ 5.5pp
Current ratio4.59▲ 1.710.97within the sector's middle half▼ 3.621.08within the sector's middle half▲ 0.111.51within the sector's middle half▲ 0.431.18within the sector's middle half▼ 0.33
Return on assets (ROA)14.7%▲ 0.1pp11.7%within the sector's middle half▼ 3.0pp10.2%within the sector's middle half▼ 1.5pp9.3%within the sector's middle half▼ 0.9pp10.5%within the sector's middle half▲ 1.2pp
Staff (FTE)3.1▼ 3.1%3within the sector's middle half▼ 3.2%3within the sector's middle half=3within the sector's middle half=3.4within the sector's middle half▲ 13.3%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2023; 2023 is 30% above 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €1.6m
Fixed assets
€764,213 ▲ 25.8%
Current assets
€820,773 ▲ 3.3%
Equity and liabilities €1.6m
Equity
€818,046 ▲ 2.1%
Debt
€766,941 ▲ 27.6%
Debt's share of the balance-sheet total rises from 42.9% to 48.4%. Equity and debt are higher.
Key figures and ratios
ROE
20.3%▲
2022 · 16.3%
Debt ≤ 1 year
€694,310▲
2022 · €526,735
Income taxes
€82,426▲
2022 · €63,149
Staff costs
€251,274▲
2022 · €192,532
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €1,277 | €79,437 | €0 | ▼ 100% |
| Remuneration, social security and pensions62 | - | - | €195,755 | €192,532 | €251,274 | ▲ 30.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €74,786 | €104,644 | €96,846 | €97,455 | €190,603 | ▲ 95.6% |
| Other operating charges640/8 | - | - | €5,958 | €4,500 | €20,321 | ▲ 352% |
| Non-recurring operating charges66A | - | - | €0 | - | - | - |
| Gross operating margin9900 | €536,870 | €538,203 | €518,753 | €483,712 | €708,799 | ▲ 46.5% |
| Operating profit (loss)9901 | €282,262 | €234,574 | €220,194 | €189,226 | €246,601 | ▲ 30.3% |
| Financial income75/76B | - | - | €198 | €4,950 | €2,673 | ▼ 46.0% |
| Recurring financial income75 | €125 | €2,708 | €198 | €4,950 | €2,673 | ▼ 46.0% |
| Financial charges65/66B | - | - | €441 | €351 | €822 | ▲ 135% |
| Recurring financial charges65 | €2,259 | €2,023 | €441 | €351 | €822 | ▲ 135% |
| Profit (loss) for the period before taxes9903 | €280,128 | €235,259 | €219,950 | €193,825 | €248,452 | ▲ 28.2% |
| Income taxes67/77 | €101,407 | €78,958 | €70,472 | €63,149 | €82,426 | ▲ 30.5% |
| Profit (loss) for the period9904 | €178,721 | €156,301 | €149,477 | €130,676 | €166,026 | ▲ 27.1% |
| Profit (loss) for the period to be appropriated9905 | €178,721 | €156,301 | €149,477 | €130,676 | €166,026 | ▲ 27.1% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.3m | €1.5m | €1.4m | €1.6m | ▲ 13.1% |
| Fixed assets21/28 | €707,099 | €827,296 | €807,371 | €607,495 | €764,213 | ▲ 25.8% |
| Intangible fixed assets21 | - | €180,018 | €137,864 | €95,710 | €182,127 | ▲ 90.3% |
| Tangible fixed assets22/27 | €707,099 | €647,278 | €669,508 | €511,785 | €582,086 | ▲ 13.7% |
| Land and buildings22 | - | - | €543,477 | €412,699 | €391,645 | ▼ 5.1% |
| Plant, machinery and equipment23 | - | - | €14,579 | €13,578 | €13,513 | ▼ 0.5% |
| Furniture and vehicles24 | - | - | €111,451 | €85,508 | €176,928 | ▲ 107% |
| Current assets29/58 | €504,644 | €507,576 | €656,315 | €794,412 | €820,773 | ▲ 3.3% |
| Amounts receivable after more than one year29 | - | - | €225,000 | €225,000 | €225,000 | = |
| Other amounts receivable291 | - | - | €225,000 | €225,000 | €225,000 | = |
| Amounts receivable within one year40/41 | €310,867 | €64,984 | €228,083 | €94,337 | €145,620 | ▲ 54.4% |
| Trade receivables40 | - | - | €110,092 | €74,242 | €94,692 | ▲ 27.5% |
| Other amounts receivable41 | - | - | €117,991 | €20,095 | €50,928 | ▲ 153% |
| Current investments50/53 | - | - | - | - | €350,000 | - |
| Cash at bank and in hand54/58 | €186,368 | €40,509 | €156,760 | €465,818 | €100,153 | ▼ 78.5% |
| Deferred charges and accrued income490/1 | - | - | €46,471 | €9,256 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.3m | €1.5m | €1.4m | €1.6m | ▲ 13.1% |
| Equity10/15 | €1.1m | €792,661 | €792,626 | €800,877 | €818,046 | ▲ 2.1% |
| Contributions10/11 | €12,400 | - | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €1.1m | €757,677 | €757,643 | €765,894 | €783,062 | ▲ 2.2% |
| Non-distributable reserves130/1 | - | - | €1,860 | €1,860 | €0 | ▼ 100% |
| Reserves not available under the articles1311 | - | - | €1,860 | €1,860 | €0 | ▼ 100% |
| Distributable reserves133 | - | - | €755,783 | €764,034 | €783,062 | ▲ 2.5% |
| Profit (loss) carried forward14 | €22,583 | €22,583 | €22,583 | €22,583 | €22,583 | = |
| Amounts payable17/49 | €112,068 | €542,211 | €671,059 | €601,030 | €766,941 | ▲ 27.6% |
| Amounts payable within one year42/48 | €109,909 | €523,787 | €607,599 | €526,735 | €694,310 | ▲ 31.8% |
| Trade debts44 | €15,726 | €32,565 | €28,047 | €32,518 | €47,975 | ▲ 47.5% |
| Suppliers440/4 | - | - | €28,047 | €32,518 | €47,975 | ▲ 47.5% |
| Advances received on contracts in progress46 | - | - | €3,741 | €0 | - | - |
| Taxes, remuneration and social security45 | - | - | €78,616 | €30,060 | €50,216 | ▲ 67.1% |
| Taxes450/3 | - | - | €39,105 | €13,149 | €30,575 | ▲ 133% |
| Remuneration and social security454/9 | - | - | €39,510 | €16,911 | €19,641 | ▲ 16.1% |
| Other amounts payable47/48 | - | - | €497,195 | €464,156 | €596,119 | ▲ 28.4% |
| Accrued charges and deferred income492/3 | - | - | €63,460 | €74,295 | €72,630 | ▼ 2.2% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €178,721 | €156,301 | €149,477 | €130,676 | €166,026 | ▲ 27.1% |
| + Depreciation and write-downs630 | €74,786 | €104,644 | €96,846 | €97,455 | €190,603 | ▲ 95.6% |
| Operating cash flow (approximation) | €253,507 | €260,945 | €246,324 | €228,131 | €356,629 | ▲ 56.3% |
| Investment in fixed assets (approximation) | - | -€224,841 | -€76,922 | €102,422 | -€347,321 | ▼ 439% |
| Change in cash | - | -€145,859 | €116,251 | €309,058 | -€365,665 | ▼ 218% |
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
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €130,676 ▼12.6%
Net result drops to €130,676, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €178,721 ▲20.1%
Operating result €282,262, net result €178,721, both a record.
31-12
Financial
Equity above €1mEq €1.1m ▲19.4%
2 profitable years in a row build equity to €1.1m.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
05-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
23-06
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
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, Hoogstraten · 1 establishment unit since 2008
Ground area
347 m²
Building footprint
343 m²
Volume, LiDAR
3,641 m³
Parcel 13014C0027/00F008, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
J&L
since 20082.170.054.603
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13014C0027/00F008 | Flanders | 347 m² | 1 · 343 m² | 14.4 m · 4 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 24,487 EUR awarded · 24,487 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,875 EUR | 2,875 EUR |
| 2024 | 1 | 14,199 EUR | 14,199 EUR |
| 2023 | 1 | 7,413 EUR | 7,413 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
254900FCF3Z8USNFCA51
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Of 1,682 companies in sector 66191 we hold annual accounts for 1,230. 918 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formLimited partnership
Founded08-04-2008
Fiscal year end31-12
Trade name NL
J&L
Activities, NACEBEL 2025
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0897187345
Also
9925:BE0897187345
Registered
03-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.