Bouwonderneming Guts

Active

Private limited companyfounded 20215 yrs activeNakkersgoed 26, 2550 Kontich, BelgiumKBO/BCE: BE 0765.438.975

Summary

The computed 12-month bankruptcy probability of Bouwonderneming Guts is 2.1% (moderate). The 2024 annual accounts show equity of €159k and a net result of €68k. Equity is growing by ~78.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 9982 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

71 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100▲+77

Solvency95▲+3

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €11k at 30 days acceptable

Liquidity ample (current ratio 3.35 against 2.98 in 2023; short-term debt: 29.8% and cash: 3.3% of total assets), and 29.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 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.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

26 d late

2023

5 d early

2022

101 d late

2021

3 d late

← before the deadline after the deadline →

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€159k▲ 74.0%

2023 · €91k

2021: €26k 2022: €89k 2023: €91k

2021 → 2024

Total assets

€226k▲ 65.3%

2023 · €137k

2021: €37k 2022: €124k 2023: €137k

2021 → 2024

Net result

€68k▲ 3,173%

2023 · €2k

2021: €24k 2022: €63k 2023: €2k

2021 → 2024

Working capital

€158k▲ 75.3%

2023 · €90k

2021: €26k 2022: €89k 2023: €90k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€26k-€89k▲ 242%€91k▲ 2.3%€159k▲ 74.0%

Operating result€29k-€76k▲ 165%€272▼ 99.6%€88k▲ 32,270%

Net result€24k-€63k▲ 167%€2k▼ 96.7%€68k▲ 3,173%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 32,270% above 2023 and is the highest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €226k

99.7%

Fixed assets €674 ▼ 36.8%

Current assets €226k ▲ 66.1%

Equity and liabilities €226k

70.2%

29.8%

Equity €159k ▲ 74.0%

Debt €67k ▲ 47.9%

Debt's share of the balance-sheet total falls from 33.3% to 29.8%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€88k▲

2023 · €551

Cash flow

€68k▲

2023 · €2k

Current ratio

3.35▲

2023 · 2.98

Debt to equity

0.42▼

2023 · 0.50

ROE

42.5%▲

2023 · 2.3%

ROA

29.9%▲

2023 · 1.5%

Interest coverage

23.05▲

2023 · 0.26

Debt ≤ 1 year

€67k▲

2023 · €46k

Income taxes

€26k▲

2023 · €1k

Staff costs

€57k▼

2023 · €63k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2024 against 2023 · 36 lines

Balance sheet Code20232024

Assets

Total assets20/58€137k€226k▲

Fixed assets21/28€1k€674▼

Tangible fixed assets22/27€1k€674▼

Plant, machinery and equipment23€1k€674▼

Current assets29/58€136k€226k▲

Amounts receivable within one year40/41€124k€218k▲

Trade receivables40€9k€20k▲

Other amounts receivable41€115k€198k▲

Cash at bank and in hand54/58€2k€7k▲

Deferred charges and accrued income490/1€10k-

Equity and liabilities

Total equity and liabilities10/49€137k€226k▲

Equity10/15€91k€159k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€89k€156k▲

Amounts payable17/49€46k€67k▲

Amounts payable within one year42/48€46k€67k▲

Trade debts44€24k€27k▲

Suppliers440/4€24k€27k▲

Taxes, remuneration and social security45€22k€40k▲

Taxes450/3€14k€32k▲

Remuneration and social security454/9€8k€9k▲

Income statement Code20232024

Remuneration, social security and pensions62€63k€57k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€279€392▲

Other operating charges640/8€574€1k▲

Gross operating margin9900€64k€147k▲

Operating profit (loss)9901€272€88k▲

Financial income75/76B€5k€9k▲

Recurring financial income75€5k€9k▲

Financial charges65/66B€2k€4k▲

Recurring financial charges65€2k€4k▲

Profit (loss) for the period before taxes9903€3k€93k▲

Income taxes67/77€1k€26k▲

Profit (loss) for the period9904€2k€68k▲

Profit (loss) for the period to be appropriated9905€2k€68k▲

Appropriation of the result

Profit (loss) to be appropriated9906€89k€156k▲

Profit (loss) brought forward from the previous period14P€87k€89k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 3Filings 4

2025

26-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 26 days late

2024

31-12

Financial Highest result since 2021net €68k ▲3173%

Operating result €88k, net result €68k, both a record.

31-12

Financial Equity above €150kEq €159k ▲74%

4 profitable years in a row build equity to €159k.

26-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Weakest financial yearnet €2k ▼96.7%

Net result drops to €2k, the lowest in the series; recovery starts the following year.

09-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 101 days late

2022

03-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 3 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Kontich · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Nakkersgoed 262550 Kontich

Ground area

206 m²

Building footprint

73 m²

Volume, LiDAR

456 m³

Parcel 11024B0140/00R006, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Bouwonderneming Guts

Nakkersgoed 26, 2550 KontichConstruction of residential and non-residential buildings

since 20212.316.611.705

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11024B0140/00R006	Flanders	206 m²	1 · 73 m²	9.7 m · 2 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

2022 to 2023 · 2 entries · 1,725 EUR awarded · 1,725 EUR paid

Year	Entries	awarded	paid
2023	1	1,170 EUR	1,725 EUR
2022	1	555 EUR	0 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 1,725 EUR · 1,725 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Van Elsen

BE 0890.834.439

Aarschot · Eq €158,822

Zandhoven · Eq €158,980

Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,557 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-03-2021

Fiscal year end31-12

Activities, NACEBEL 2025

41001General construction of residential buildings

41002Construction of residential and non-residential buildings

41003General construction of other non-residential buildings

68121Development of residential building projects

68122Development of non-residential building projects

43910Bricklaying and masonry work

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.