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QUERTIMMO

Active
Rue des Fonds 13 ·1440 Braine-le-Château, Belgium
KBO/BCE: BE 1002.512.915
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Age2 yrs
Real estate1 parcel · 939 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of QUERTIMMO is 0.9% (low). The 2024 annual accounts show equity of €12k and a net result of €12k. Its solvency ranks better than 83% of 4951 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 83% of 4951 peers (2024). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 29-08-2025 29 d late 2025-00433928

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.9% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€12k
Working capital€11k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 67.9% 16.7%
better than 83% of 4951 sector peers
Net result €12k €2k
better than 64% of 4943 sector peers
Equity €12k €27k
better than 39% of 4954 sector peers
Gross operating margin €19k €27k
better than 44% of 4937 sector peers
Total assets €17k €302k
better than 7% of 4953 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2024
Depositmicro
Revenue-
EBITDA€16k
Net profit€12k
Cash flow€12k
Staff costs-
Income taxes€4k
Dividends-
Total assets€17k
Equity€12k
Debt€6k
of which ≤ 1y€6k
of which > 1y-
Working capital€11k
Employees (FTE)-
Ratios (computed)
2024
Current ratio2.93
Quick ratio2.93
Working capital ratio62.0%
Solvency67.9%
Debt / equity0.47
Long-term debt ratio-
Interest coverage34.27
Gross margin-
Net margin-
ROA67.9%
ROE100.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€17k
Fixed assets 21/28€1k
Tangible fixed assets 22/27€1k
Current assets 29/58€16k
Amounts receivable within one year 40/41€12k
Cash & bank 54/58€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€17k
Equity 10/15€12k
Accumulated profits (losses) 14€12k
Amounts payable 17/49€6k
Amounts payable within one year 42/48€6k
Trade debts payable within one year 44€310
Income statement
Gross operating margin 9900€19k
Operating result 9901€16k
Financial income 75€351
Financial charges 65€469
Result before taxes 9903€16k
Income taxes 67/77€4k
Net result for the period 9904€12k
Result to be appropriated 9905€12k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
93 / 100 Excellent
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Rue des Fonds 131440 Braine-le-Château

Establishment units

1 location
QUERTIMMO
Rue des Fonds(W-B) 13, 1440 Braine-le-ChâteauBemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
since 20232.352.413.415
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area939 m²
Buildings1
Building footprint47 m²
Volume (LiDAR)296 m³
Tallest building7.2 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25015A0231/02P000 Wallonia 939 m² 1 · 47 m² 7.2 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health93Profitability100Solvency100Growth-Stability67
90 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 93
Profitability 100
Solvency 100
Growth -
Stability 67

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 1,363 of the 11,733 companies in this sector. 964 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Bemiddeling in verband met exploitatie van en handel in onroerend goed68310Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis68311Beheer van residentieel onroerend goed voor een vast bedrag of op contractbasis68321Activiteiten van syndici van onroerend goed68321
Primary activity highlighted.
Names & trade names
Legal nameFR QUERTIMMO
Registered office
Rue des Fonds 13
1440 Braine-le-Château, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.