GUARANTIME
ActiveSummary
GUARANTIME has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €-7k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-18
Solvency100=
Growth32▼-26
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 40.98 against 87.01 in 2024; short-term debt: 0.9% and cash: 37.4% of total assets), and 0.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
99.1%
Return on assets
-10.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
4 d early
2023
13 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▲ 2.3%
2024 · €60k
2023: €62k
2024: €60k
2023 → 2025
Total assets
€62k▲ 2.7%
2024 · €60k
2023: €62k
2024: €60k
2023 → 2025
Net result
€-7k▼ 239%
2024 · €-2k
2023: €-3k
2024: €-2k
2023 → 2025
Working capital
€23k▼ 13.1%
2024 · €26k
2023: €39k
2024: €26k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€62k-€60k▼ 3.2%€61k▲ 2.3%
Operating result€-3k-€-2k▲ 37.7%€-7k▼ 245%
Net result€-3k-€-2k▲ 36.7%€-7k▼ 239%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €2k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€39k ▲ 14.2%
Current assets
€23k ▼ 12.0%
Equity and liabilities €62k
Equity
€61k ▲ 2.3%
Debt
€568 ▲ 86.9%
Debt's share of the balance-sheet total rises from 0.5% to 0.9%. Equity and debt are higher.
Key figures and ratios
Current ratio
40.98▼
2024 · 87.01
Debt to equity
0.01▲
2024 · 0.01
ROE
-10.8%▼
2024 · -3.3%
ROA
-10.7%▼
2024 · -3.2%
Debt ≤ 1 year
€568▲
2024 · €304
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 · 2025 against 2024 · 27 lines
Balance sheet
Code20242025
Assets
Total assets20/58€60k€62k▲
Fixed assets21/28€34k€39k▲
Intangible fixed assets21€34k€39k▲
Current assets29/58€26k€23k▼
Amounts receivable within one year40/41€3k€100▼
Other amounts receivable41€3k€100▼
Cash at bank and in hand54/58€24k€23k▼
Deferred charges and accrued income490/1€215-
Equity and liabilities
Total equity and liabilities10/49€60k€62k▲
Equity10/15€60k€61k▲
Contributions10/11€60k€60k=
Profit (loss) carried forward14€-5k€-12k▼
Investment grants15€5k€13k▲
Amounts payable17/49€304€568▲
Amounts payable within one year42/48€304€568▲
Trade debts44€304€504▲
Suppliers440/4€304€504▲
Other amounts payable47/48-€63
Income statement
Code20242025
Gross operating margin9900€-2k€-7k▼
Operating profit (loss)9901€-2k€-7k▼
Financial charges65/66B€50€53▲
Recurring financial charges65€50€53▲
Profit (loss) for the period before taxes9903€-2k€-7k▼
Profit (loss) for the period9904€-2k€-7k▼
Profit (loss) for the period to be appropriated9905€-2k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-12k▼
Profit (loss) brought forward from the previous period14P€-3k€-5k▼
The notes to these accounts (3 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Brussel · 1 establishment unit since 2022
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.
Sint-Albaansbergstraat 671020 BrusselGround area
236 m²
Building footprint
156 m²
Volume, LiDAR
1,726 m³
Parcel 21816C0252/00H009, Brussels · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GUARANTIME
since 20222.328.309.410
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816C0252/00H009 | Brussels | 236 m² | 1 · 156 m² | 14.6 m · 4 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.
Similar companies · same sector, comparable size
SCHONKEREN ENGINEERING MANAGEMENT
BE 0475.105.901
Kapellen · Eq €61,348
RECARNATION
BE 0536.518.975
Alken · Eq €61,356
Inframara
BE 0799.776.183
Temse · Eq €61,357
DAC IMMO DAMSHEIDE
BE 0848.175.423
Pelt · Eq €61,359
O.ANDRE
BE 0863.005.931
Chaumont-Gistoux · Eq €61,372
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,102 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
Founded18-01-2022
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.