To allow climate change impact assessment of water quality in river systems, the scientific community lacks efficient deterministic models able to simulate hydrological and biogeochemical processes in drainage networks at the regional scale, with high temporal resolution and water temperature explicitly determined. The model QUALity-NETwork (QUAL-NET) was developed and tested on the Middle Loire River Corridor, a sub-catchment of the Loire River in France, prone to eutrophication. Hourly variations computed efficiently by the model helped disentangle the complex interactions existing between hydrological and biological processes across different timescales. Phosphorus (P) availability was the most constraining factor for phytoplankton development in the Loire River, but simulating bacterial dynamics in QUAL-NET surprisingly evidenced large amounts of organic matter recycled within the water column through the microbial loop, which delivered significant fluxes of available P and enhanced phytoplankton growth. This explained why severe blooms still occur in the Loire River despite large P input reductions since 1990. QUAL-NET could be used to study past evolutions or predict future trajectories under climate change and land use scenarios.