Active BE 0896.719.171Private limited company

E.GUISSARD

Rue de Voroux 5 ·4340 Awans, Belgium· 18 yrs active

Conclusion Checked

The computed 12-month bankruptcy probability of E.GUISSARD is 1.7% (moderate). The 2024 annual accounts show negative equity (€-13k) and a net result of €5k. Equity is growing by ~21.9% per year across the filed fiscal years. The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€-13k
Net result	€5k
Active	18 yrs
Board	2

Snowflake analysis 5 of 5 axes measured · computed by Checked

44 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 8

Profitability 0

Solvency 33

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.7% Moderate

0%0,5%1,5%4%10%≥25%

No NACE activity registered +Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2008, 18 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

8 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 25-07-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~21.9%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€14k

+45.0% 18-24

Net profit

€5k

-7.9% 18-24

Cash flow

€10k

+11.8% 18-24

Total assets

€21k

-11.9% 18-24

Equity

€-13k

+29.9% 18-24

Working capital

€-28k

+18.8% 18-24

Income taxes

€4k

+851.1% 18-24

Debt

€34k

-19.6% 18-24

Debt ≤ 1y

€34k

-12.1% 18-24

Current ratio

0.15

+83.5% 18-24

Quick ratio

0.15

+83.5% 18-24

Solvency

-59.9%

+20.4% 18-24

Debt / equity

-2.67

-14.6% 18-24

ROE

-42.6%

-31.3% 18-24

ROA

25.5%

+4.5% 18-24

Interest coverage

144.12

+55.0% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€14k
Net profit	€5k
Cash flow	€10k
Staff costs	-
Income taxes	€4k
Dividends	-
Total assets	€21k
Equity	€-13k
Debt	€34k
of which ≤ 1y	€34k
of which > 1y	-
Working capital	€-28k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.15
Quick ratio	0.15
Working capital ratio	-135.5%
Solvency	-59.9%
Debt / equity	-2.67
Long-term debt ratio	-
Interest coverage	144.12
Gross margin	-
Net margin	-
ROA	25.5%
ROE	-42.6%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €16k · 75.6% Current assets €5k · 24.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€21k
Fixed assets	21/28	€16k
Intangible fixed assets	21	€0
Tangible fixed assets	22/27	€16k
Current assets	29/58	€5k
Amounts receivable within one year	40/41	€4k
Cash & bank	54/58	€279
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€21k
Equity	10/15	€-13k
Contributions / capital	10/11	€12k
Reserves	13	€2k
Accumulated profits (losses)	14	€-27k
Amounts payable	17/49	€34k
Amounts payable within one year	42/48	€34k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€14k
Operating result	9901	€9k
Financial charges	65	€96
Result before taxes	9903	€9k
Income taxes	67/77	€4k
Net result for the period	9904	€5k
Result to be appropriated	9905	€5k

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Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

Emmanuel GUISSARD
Managing director
State Gazette act 24301731 (02-01-2024)

Current
02-01-2024 → present
Pierre-Henri GUISSARD
Managing director
State Gazette act 24301731 (02-01-2024)

Current
02-01-2024 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	-
Legal form	Private limited company(610)
Incorporation	26-03-2008
Status	Active
Postal code	4340

Establishment units 1 location

E. GUISSARD

Rue du Fond des Fourches 41, 4041 HerstalActiviteiten van verzekeringsagenten en -makelaars

since 20082.169.801.809

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62112A0559/00T000	Wallonia	4,084 m²	1 · 1,249 m²	-
62039A0190/00F000	Wallonia	1,250 m²	1 · 100 m²	7.2 m · 2 fl.

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

25-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

26-09-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

02-01-2024

State Gazette act Director changes

Philippe DUSART

2023

31-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

31-08-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

27-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

26-11-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

30-08-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

24-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

30-08-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

2016

28-07-2016

NBB filing Annual accounts filed

fiscal year 2015 · volledig

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

02-01-2024 2 directors appointed Director changes·Philippe DUSART

Pierre-Henri GUISSARD, Gedelegeerd bestuurder
Emmanuel GUISSARD, Gedelegeerd bestuurder

Notary: Philippe DUSART · Liège

Original publication ↗

Technical details

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Company registry (CBE) Crossroads Bank

Names & trade names

Legal nameFR

E.GUISSARD

Registered office

Rue de Voroux 5

4340 Awans, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.