COLLARD GUY
ActiveSummary
COLLARD GUY has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €41,270 and a net result of €9,702. Equity is growing by ~32.5% per year across the filed fiscal years. Its solvency ranks better than 82% of 237 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability94▲+94
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 6.79 against 4.51 in 2025; short-term debt: 14.7% and cash: 11.4% of total assets), and 14.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
85.3%
Return on assets
20.1%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 24-09-2026, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
37 d early
2025
on the day
2024
9 d early
2023
4 d early
2022
7 d early
2021
10 d late
2020
18 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 24 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-03-2027 close31-10-2027 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
€41,270▲ 30.7%
2025 · €31,569
Total assets
€48,369▲ 21.4%
2025 · €39,830
Net result
€9,702
2025 · -€6,871
Working capital
€41,120▲ 41.9%
2025 · €28,969
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€25,542▼ 15.5%€12,235▼ 52.1%-€1,006-€6,583▼ 555%€10,739
Net result€24,949within the sector's middle half▼ 16.5%€9,789within the sector's middle half▼ 60.8%-€553below the sector's middle half-€6,871below the sector's middle half▼ 1,141%€9,702
Equity€29,204within the sector's middle half▲ 586%€38,993within the sector's middle half▲ 33.5%€38,439within the sector's middle half▼ 1.4%€31,569within the sector's middle half▼ 17.9%€41,270▲ 30.7%
Total assets€88,243within the sector's middle half▲ 30.5%€61,725below the sector's middle half▼ 30.1%€56,511below the sector's middle half▼ 8.4%€39,830below the sector's middle half▼ 29.5%€48,369▲ 21.4%
Debt€59,039▼ 6.8%€22,732▼ 61.5%€18,072▼ 20.5%€8,261▼ 54.3%€7,098▼ 14.1%
Working capital€20,273within the sector's middle half€31,567within the sector's middle half▲ 55.7%€32,421within the sector's middle half▲ 2.7%€28,969within the sector's middle half▼ 10.6%€41,120▲ 41.9%
Solvency33.1%within the sector's middle half▲ 26.8pp63.2%within the sector's middle half▲ 30.1pp68.0%within the sector's middle half▲ 4.8pp79.3%above the sector's middle half▲ 11.2pp85.3%▲ 6.1pp
Current ratio1.44within the sector's middle half▲ 0.573.12within the sector's middle half▲ 1.683.14within the sector's middle half▲ 0.024.51above the sector's middle half▲ 1.376.79▲ 2.29
Return on assets (ROA)28.3%above the sector's middle half▼ 15.9pp15.9%within the sector's middle half▼ 12.4pp-1.0%below the sector's middle half▼ 16.8pp-17.3%below the sector's middle half▼ 16.3pp20.1%▲ 37.3pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 2026: €10,739 after a loss of €6,583 in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €48,369
Fixed assets
€150 ▼ 94.2%
Current assets
€48,219 ▲ 29.5%
Equity and liabilities €48,369
Equity
€41,270 ▲ 30.7%
Debt
€7,098 ▼ 14.1%
Debt's share of the balance-sheet total falls from 20.7% to 14.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€13,189▲
2025 · -€241
Cash flow
€12,151▲
2025 · -€529
Quick ratio
5.06▲
2025 · 3.07
Debt to equity
0.17▼
2025 · 0.26
ROE
23.5%▲
2025 · -21.8%
Interest coverage
52.38▲
2025 · -0.78
Debt ≤ 1 year
€7,098▼
2025 · €8,261
Income taxes
€2,071
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,349 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €0 | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | €834 | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,342 | €6,342 | €6,342 | €6,342 | €2,450 | ▼ 61.4% |
| Other operating charges640/8 | €670 | €1,244 | €912 | €637 | €530 | ▼ 16.7% |
| Gross operating margin9900 | €32,553 | €20,656 | €6,248 | €395 | €13,719 | ▲ 3,370% |
| Operating profit (loss)9901 | €25,542 | €12,235 | -€1,006 | -€6,583 | €10,739 | ▲ 263% |
| Financial income75/76B | €806 | €791 | €968 | €24 | €1,285 | ▲ 5,338% |
| Recurring financial income75 | €806 | €791 | €968 | €24 | €1,285 | ▲ 5,338% |
| Financial charges65/66B | €1,399 | €648 | €516 | €311 | €252 | ▼ 19.1% |
| Recurring financial charges65 | €1,399 | €648 | €516 | €311 | €252 | ▼ 19.1% |
| Profit (loss) for the period before taxes9903 | €24,949 | €12,378 | -€553 | -€6,871 | €11,773 | ▲ 271% |
| Income taxes67/77 | - | €2,589 | €0 | - | €2,071 | - |
| Profit (loss) for the period9904 | €24,949 | €9,789 | -€553 | -€6,871 | €9,702 | ▲ 241% |
| Profit (loss) for the period to be appropriated9905 | €24,949 | €9,789 | -€553 | -€6,871 | €9,702 | ▲ 241% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €88,243 | €61,725 | €56,511 | €39,830 | €48,369 | ▲ 21.4% |
| Fixed assets21/28 | €21,626 | €15,284 | €8,942 | €2,600 | €150 | ▼ 94.2% |
| Tangible fixed assets22/27 | €21,476 | €15,134 | €8,792 | €2,450 | €0 | ▼ 100% |
| Furniture and vehicles24 | €21,476 | €15,134 | €8,792 | €2,450 | €0 | ▼ 100% |
| Financial fixed assets28 | €150 | €150 | €150 | €150 | €150 | = |
| Current assets29/58 | €66,617 | €46,442 | €47,569 | €37,230 | €48,219 | ▲ 29.5% |
| Stocks and contracts in progress3 | €14,908 | €15,089 | €14,429 | €11,827 | €12,275 | ▲ 3.8% |
| Stocks30/36 | €14,908 | €15,089 | €14,429 | €11,827 | €12,275 | ▲ 3.8% |
| Amounts receivable within one year40/41 | €30,280 | €13,002 | €24,637 | €19,985 | €29,166 | ▲ 45.9% |
| Trade receivables40 | €26,586 | €1,995 | €7,147 | €1,733 | €1,300 | ▼ 25.0% |
| Other amounts receivable41 | €3,694 | €11,007 | €17,490 | €18,252 | €27,865 | ▲ 52.7% |
| Cash at bank and in hand54/58 | €21,429 | €18,158 | €7,764 | €4,341 | €5,494 | ▲ 26.6% |
| Deferred charges and accrued income490/1 | - | €192 | €739 | €1,077 | €1,284 | ▲ 19.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €88,243 | €61,725 | €56,511 | €39,830 | €48,369 | ▲ 21.4% |
| Equity10/15 | €29,204 | €38,993 | €38,439 | €31,569 | €41,270 | ▲ 30.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €5,710 | €15,410 | €15,410 | €15,410 | €22,670 | ▲ 47.1% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Tax-exempt reserves132 | €3,850 | €3,850 | €3,850 | €3,850 | €3,850 | = |
| Distributable reserves133 | - | €9,700 | €11,560 | €11,560 | €18,820 | ▲ 62.8% |
| Profit (loss) carried forward14 | €4,894 | €4,983 | €4,429 | -€2,441 | €0 | ▲ 100% |
| Amounts payable17/49 | €59,039 | €22,732 | €18,072 | €8,261 | €7,098 | ▼ 14.1% |
| Amounts payable after more than one year17 | €12,695 | €7,857 | €2,923 | €0 | - | - |
| Financial debts170/4 | €12,695 | €7,857 | €2,923 | €0 | - | - |
| Amounts payable within one year42/48 | €46,344 | €14,875 | €15,148 | €8,261 | €7,098 | ▼ 14.1% |
| Current portion of amounts payable after more than one year42 | €4,743 | €4,838 | €4,934 | €2,923 | €0 | ▼ 100% |
| Trade debts44 | €17,027 | €1,589 | €4,827 | €5,226 | €5,027 | ▼ 3.8% |
| Suppliers440/4 | €17,027 | €1,589 | €4,827 | €5,226 | €5,027 | ▼ 3.8% |
| Advances received on contracts in progress46 | €6,500 | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €3,062 | €0 | €111 | €2,071 | ▲ 1,760% |
| Taxes450/3 | - | €3,062 | €0 | €111 | €2,071 | ▲ 1,760% |
| Other amounts payable47/48 | €18,074 | €5,387 | €5,387 | €0 | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,949 | €9,789 | -€553 | -€6,871 | €9,702 | ▲ 241% |
| + Depreciation and write-downs630 | €6,342 | €6,342 | €6,342 | €6,342 | €2,450 | ▼ 61.4% |
| Operating cash flow (approximation) | €31,291 | €16,131 | €5,789 | -€529 | €12,151 | ▲ 2,398% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€3,271 | -€10,394 | -€3,423 | €1,153 | ▲ 134% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
24-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Back to profitnet €9,702
Net result €9,702 after 2 loss-making years.
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet -€6,871
Net result drops to -€6,871, the lowest in the series; recovery starts the following year.
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 3.12
Current ratio from 1.44 to 3.12; short-term debt falls from €46,344 to €14,875.
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
31-03
Financial
Highest result since 2019net €29,875 ▲1,276%
Operating result €30,214, net result €29,875, both a record.
2020
18-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
11-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Namur · 1 establishment unit since 2000
Ground area
521 m²
Building footprint
104 m²
Volume, LiDAR
726 m³
Parcel 92128C0364/00X004, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l' Yser(VD) 24, 5020 Namur
since 20002.094.846.642
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92128C0364/00X004 | Wallonia | 521 m² | 1 · 104 m² | 9.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,043 companies in sector 43221 we hold annual accounts for 3,476. 2,906 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-12-1999
Fiscal year end31-03
Activities, NACEBEL 2025
43221Plumbing work
43410Roofing work
Contact
Phone
0477304674
E-invoicing
Reachable via Peppol
Peppol ID
0208:0468306201
Also
9925:BE0468306201
Registered
24-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.