GARANCE

Active

Non-profit associationfounded 2000active for 26 yearsKoningsstraat 55, 1000 Brussel, Belgium15 active companies are registered at this addressKBO/BCE: BE 0472.880.245

Summary

GARANCE has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €399,782 and a net result of €6,596. Equity remains stable across the filed financial years (±2.3% per year). Its solvency ranks better than 30% of 745 sector peers (NACE 94, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

GARANCEActiveChecked score 95/100

Risk analysis Report Compare

Activity

Activities of membership organisations

NACE 94992

1 site

Size

€117,130turnover 2025

Staff: 11.6 FTE
Equity: €399,782
Surplus: €6,596

Financial health

95 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

Board: 7 members

Léa Marie CharletDaily manager

2025 accounts 15 days early2 of 18 deeds summarised

Why 95raises riskSize: turnover €117,130, 11.6 FTE, total assets €988,544lowers riskLegal form: non-profit associationLiquidity: current ratio 5.50, cash €507,635Sector: Activities of membership organisations (NACE 94)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 58% of its sector peers (NACE 94, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 65-4

equity 40.4% of total assets

Liquidity 97+3

short-term debt 14.3% · cash 51.4%

Profitability 75+67

return on assets 0.7%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (511 companies, NACE 94, small)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026highest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value

Credit of up to €11,000 on 30-day terms is acceptable

Liquidity ample (current ratio 5.5, compared with 3.81 in 2024, above the usual 1.5; short-term debt: 14.3% and cash: 51.4% of total assets), but 59.6% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 94, small): better than 32% on solvency, 86% on liquidity, 73% on profitability and 41% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Legal form: non-profit association

KBO

Liquidity: current ratio 5.50, cash €507,635

NBB · annual accounts

Sector: Activities of membership organisations (NACE 94)

KBO

Size: turnover €117,130, 11.6 FTE, total assets €988,544

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

15 days early

2024

20 days early

2023

12 days early

2022

27 days early

2021

1 day late

2020

18 days early

2019

70 days 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 3 days before the deadline; the sector median (NACE 94) for financial year 2024 is 29 days before the deadline, and 25% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

25-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

28-07-2026 Resignations: Cécile Anne Defraene, Nadège Monique…Appointments: Alice Juliette Macia, Nassima…
16-07-2026 Annual accounts filedfinancial year 2025 · full…
09-04-2026 Resignations: Laura Chaumont, Anne Lemonne and…Reappointment: Pascale Nadine Kervyn de…

Key points

Board changedlatest change 28-07-2026 · 7 in office 6 joined · 4 left View
Wallonia-Brussels supportpaid from 2023 to 2025 €1.2m View
Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

By topic

Financials

Financial year: 2025
Turnover: €117,130
Profit: €6,596
Solvency: 40.4%

Turnover▼ 7.0%

Net result

20192025

Go to Financials

Board & ownership

Board: 7 members

Ana Urrutia EncisoDirector
Zoé Brigitte AmeyeDirector
Alice Juliette MaciaDirector
Kirsten Paula CrickDirector
Leila Johanna LohmanDirector

and 2 other directors

Go to Board & ownership

Network & group

Connected companies: 5

Go to Network & group

Timeline

Events: 12
Since: 2020
Next accounts: by 31-07-2027

31-12-2025Back to profit
11-07-2025Annual accounts filed
31-12-2024Weakest financial year

Go to Timeline

Company details

Sites: 1

Legal form: Non-profit association
Activity: Activities of membership organisationsNACE 94992
Founded: 09-08-2000
Year ends: 31-12
Peppol: Not found in the Peppol directory

Go to Company details

Key facts about GARANCE

What is the company number of GARANCE?: 0472.880.245. In Belgium the VAT number is the company number with BE in front: BE 0472.880.245.
Where is GARANCE based?: The registered office is at Koningsstraat 55, 1000 Brussel.Company details
What does GARANCE do?: According to the KBO register, the main activity is activities of membership organisations (NACE 94992).
What is the legal form of GARANCE?: Non-profit association (VZW).
When was GARANCE founded?: On 09-08-2000.
Is GARANCE still active?: Yes, GARANCE is an active enterprise in the KBO register.
How many employees does GARANCE have?: On average 11.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of GARANCE?: €117,130 in financial year 2025, according to the filed annual accounts.
Is GARANCE profitable?: In financial year 2025, GARANCE made a profit of €6,596.
Where can I find the annual accounts of GARANCE?: GARANCE filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of GARANCE due?: By 31-07-2027, for financial year 2026.Timeline