An image-forming method includes forming a toner image on the surface of an image carrier, transferring the toner image from the surface of the image carrier onto an image-receiving layer of a belt-shaped intermediate transfer film that is provided on a surface of a base material, superimposing the intermediate transfer film on a surface of a recording medium such that the toner image contacts the surface of the recording medium, fixing the toner image by application of heat and pressure, forming a laminate by pressure-bonding the superimposed intermediate transfer film onto the recording medium by application of heat and pressure, and peeling the base material off the image-receiving layer at the interface therebetween, so that the entire image-forming surface of the recording medium is covered with the image-receiving layer and the image is formed between the recording medium and the image-receiving layer.