Bernard Geuens
ActiveThe computed 12-month bankruptcy probability of Bernard Geuens is 3.1% (moderate). The 2025 annual accounts show negative equity (€-11k) and a net result of €6k. Its solvency ranks better than 5% of 4422 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+95
Solvency0=
Growth78
Track record82
Bankruptcy probability, 12 months
3.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.64; short-term debt: 155.1% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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
-55.1%
Return on assets
29.9%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 4422 sector peers (2025).
NBB · sector comparisonPosition among 4422 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
4 d early
2024
3 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-11k▲ 35.2%
2024 · €-17k
2024: €-17k
2024 → 2025
Total assets
€20k▲ 968%
2024 · €2k
2024: €2k
2024 → 2025
Net result
€6k
2024 · €-19k
2024: €-19k
2024 → 2025
Working capital
€-11k▲ 37.9%
2024 · €-18k
2024: €-18k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€-17k-€-11k▲ 35.2%
Operating result€-18k-€7k
Net result€-19k-€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €18k in 2024.
Key figures and ratios
EBITDA
€8k▲
2024 · €-17k
Cash flow
€7k▲
2024 · €-19k
Solvency
-55.1%
Current ratio
0.64
Quick ratio
0.64
Debt / equity
-2.81
ROA
29.9%
Interest coverage
5.43▲
2024 · -12.64
Debt
€31k▲
2024 · €19k
Debt ≤ 1 year
€31k▲
2024 · €19k
Staff costs
€11k▼
2024 · €15k
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€2k€20k▲
Fixed assets21/28€738€0▼
Tangible fixed assets22/27€738€0▼
Furniture and vehicles24€738€0▼
Current assets29/58€1k€20k▲
Amounts receivable within one year40/41€1k€20k▲
Trade receivables40€1k€20k▲
Cash at bank and in hand54/58€0€0=
Equity and liabilities
Total equity and liabilities10/49€2k€20k▲
Equity10/15€-17k€-11k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-19k€-13k▲
Amounts payable17/49€19k€31k▲
Amounts payable within one year42/48€19k€31k▲
Financial debts43€8k€10k▲
Credit institutions430/8€8k€10k▲
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€6k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€15k€11k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€762€738▼
Other operating charges640/8€1k€662▼
Gross operating margin9900€-558€20k▲
Operating profit (loss)9901€-18k€7k▲
Financial income75/76B€0€9▲
Recurring financial income75€0€9▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-19k€6k▲
Profit (loss) for the period9904€-19k€6k▲
Profit (loss) for the period to be appropriated9905€-19k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-13k▲
Profit (loss) brought forward from the previous period14P-€-19k
The notes to these accounts (4 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Vosselaar · 1 establishment unit since 2023
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.
Breemsedijk 33A2350 VosselaarGround area
1,150 m²
Building footprint
166 m²
Volume, LiDAR
653 m³
Parcel 13046B0090/00V000, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bernard Geuens
since 20232.351.885.259
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13046B0090/00V000 | Flanders | 1,150 m² | 1 · 165 m² | 6.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 423 EUR awarded · 141 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 423 EUR | 141 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector and region
AGRO VAN OUWENHUYSEN
BE 0652.790.105
Vosselaar
AMOR ARBORI
BE 0754.678.311
Vosselaar
BSM Tuinen & karweien
BE 0551.937.621
Vosselaar
De Gardenier
BE 0733.531.024
Vosselaar
Fenix SW
BE 0798.405.416
Vosselaar
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. Of 21,206 companies in sector 81300 we hold annual accounts for 4,358.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2023
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
47761Retail sale of flowers, plants, seeds and fertilisers
49410Freight transport by road
71113Urban planning and landscape architecture
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.