EFH GUDEN
ActiveEFH GUDEN has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €-16k. Equity is shrinking by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 50% of 12835 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-16
Solvency48▼-15
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.31 in 2024), and 69.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
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
30.5%
Return on assets
-14.8%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
5 d late
2022
18 d late
2021
30 d late
2020
5 d early
2019
19 d late
← 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▼ 32.7%
2024 · €50k
2018: €46k
2019: €52k
2020: €71k
2021: €84k
2022: €63k
2023: €48k
2024: €50k
2018 → 2025
Total assets
€109k▼ 21.5%
2024 · €139k
2018: €63k
2019: €71k
2020: €102k
2021: €122k
2022: €97k
2023: €65k
2024: €139k
2018 → 2025
Net result
€-16k
2024 · €2k
2018: €5k
2019: €10k
2020: €19k
2021: €17k
2022: €-21k
2023: €-15k
2024: €2k
2018 → 2025
Working capital
€69▼ 99.5%
2024 · €15k
2018: €36k
2019: €42k
2020: €56k
2021: €68k
2022: €47k
2023: €28k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€63k▼ 25.1%€48k▼ 24.0%€50k▲ 3.2%€33k▼ 32.7%
Operating result€24k-€-18k€-11k▲ 37.3%€7k€-11k
Net result€17k-€-21k€-15k▲ 28.3%€2k€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€62k▼ 17.2%
Current assets
€47k▼ 26.5%
Equity and liabilities €109k
Equity
€33k▼ 32.7%
Debt
€76k▼ 15.3%
The debt ratio rises from 64.4% to 69.5%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€10k▼
2024 · €24k
Cash flow
€4k▼
2024 · €19k
Solvency
30.5%▼
2024 · 35.6%
Current ratio
1.00▼
2024 · 1.31
Quick ratio
0.66▼
2024 · 0.97
Debt / equity
2.28▲
2024 · 1.81
ROE
-48.7%▼
2024 · 3.1%
ROA
-14.8%▼
2024 · 1.1%
Interest coverage
1.76▼
2024 · 4.63
Debt
€76k▼
2024 · €90k
Debt ≤ 1 year
€47k▼
2024 · €49k
Debt > 1 year
€29k▼
2024 · €40k
Income taxes
€136▲
2024 · €46
Staff costs
€10k▼
2024 · €11k
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€139k€109k▼
Fixed assets21/28€75k€62k▼
Tangible fixed assets22/27€75k€62k▼
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€70k€56k▼
Financial fixed assets28€410€410=
Current assets29/58€64k€47k▼
Stocks and contracts in progress3€17k€16k▼
Stocks30/36€17k€16k▼
Amounts receivable within one year40/41€3k€3k▼
Other amounts receivable41€3k€3k▼
Cash at bank and in hand54/58€42k€26k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€139k€109k▼
Equity10/15€50k€33k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€29k€13k▼
Amounts payable17/49€90k€76k▼
Amounts payable after more than one year17€40k€29k▼
Financial debts170/4€40k€29k▼
Amounts payable within one year42/48€49k€47k▼
Current portion of amounts payable after more than one year42€11k€11k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€33k€29k▼
Suppliers440/4€33k€29k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€747€374▼
Remuneration and social security454/9€4k€5k▲
Accrued charges and deferred income492/3€702-
Income statement
Code20242025
Remuneration, social security and pensions62€11k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€21k▲
Other operating charges640/8€5k€6k▲
Non-recurring operating charges66A-€941
Gross operating margin9900€40k€27k▼
Operating profit (loss)9901€7k€-11k▼
Financial income75/76B€0€307▲
Recurring financial income75€0€307▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€2k€-16k▼
Income taxes67/77€46€136▲
Profit (loss) for the period9904€2k€-16k▼
Profit (loss) for the period to be appropriated9905€2k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€13k▼
Profit (loss) brought forward from the previous period14P€28k€29k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Weakest financial yearnet €-21k ▼224%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €19k ▲92.4%
Net result €19k, the highest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 acts for this company are 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, Dinant · 1 establishment unit since 2008
Ground area
306 m²
Building footprint
481 m²
Volume, LiDAR
3,912 m³
Parcel 91034E0584/00Y000, Wallonia · tallest building 19.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EFH GUDEN
since 20082.172.401.211
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91034E0584/00Y000 | Wallonia | 306 m² | 1 · 480 m² | 19.7 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.
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Of 10,407 companies in sector 47110 we hold annual accounts for 5,783. 4,432 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2008
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.