GUARDA
ActiveGUARDA has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166k and a net result of €-23k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 22% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
15
/ 100
Critical▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency3▼-4
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 0.63 in 2024), and 94.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€23k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 11195 sector peers (2025).
NBB · sector comparisonPosition among 11195 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
14 d early
2023
23 d early
2022
33 d early
2021
11 d early
2020
27 d late
2019
22 d early
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€166k▼ 12.0%
2024 · €189k
2018: €149k
2019: €155k
2020: €122k
2021: €122k
2022: €161k
2023: €205k
2024: €189k
2018 → 2025
Total assets
€3.24M▲ 10.2%
2024 · €2.94M
2018: €421k
2019: €416k
2020: €597k
2021: €1.34M
2022: €1.72M
2023: €2.36M
2024: €2.94M
2018 → 2025
Net result
€-23k▼ 37.9%
2024 · €-16k
2018: €3k
2019: €6k
2020: €-34k
2021: €220
2022: €39k
2023: €44k
2024: €-16k
2018 → 2025
Working capital
€-2.80M▼ 185%
2024 · €-981k
2018: €36k
2019: €48k
2020: €10k
2021: €-525k
2022: €-672k
2023: €-1.03M
2024: €-981k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€161k▲ 32.2%€205k▲ 27.3%€189k▼ 8.0%€166k▼ 12.0%
Operating result€-3k-€43k€53k▲ 22.1%€42k▼ 19.8%€27k▼ 37.3%
Net result€220-€39k▲ 17,718%€44k▲ 12.1%€-16k€-23k▼ 37.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.24M
Fixed assets
€3.05M▲ 145%
Current assets
€196k▼ 88.5%
Equity and liabilities €3.24M
Equity
€166k▼ 12.0%
Provisions
€70k▼ 1.8%
Debt
€3.01M▲ 12.1%
The debt ratio rises from 91.2% to 92.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€157k▲
2024 · €97k
Cash flow
€108k▲
2024 · €38k
Solvency
5.1%▼
2024 · 6.4%
Current ratio
0.07▼
2024 · 0.63
Quick ratio
0.03▲
2024 · 0.02
Debt / equity
18.08▲
2024 · 14.20
ROE
-13.6%▼
2024 · -8.7%
ROA
-0.7%▼
2024 · -0.6%
Interest coverage
2.76▲
2024 · 1.26
Debt
€3.01M▲
2024 · €2.68M
Debt ≤ 1 year
€2.99M▲
2024 · €2.68M
Income taxes
€456▲
2024 · €339
Staff costs
€36k▲
2024 · €35k
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€2.94M€3.24M▲
Fixed assets21/28€1.24M€3.05M▲
Tangible fixed assets22/27€1.24M€3.05M▲
Land and buildings22€1.24M€3.04M▲
Plant, machinery and equipment23€2k€936▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€1.70M€196k▼
Stocks and contracts in progress3€1.64M€111k▼
Stocks30/36€1.64M€111k▼
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€1k€625▼
Cash at bank and in hand54/58€50k€78k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.94M€3.24M▲
Equity10/15€189k€166k▼
Contributions10/11€104k€104k=
Reserves13€85k€63k▼
Distributable reserves133€85k€63k▼
Provisions and deferred taxes16€71k€70k▼
Provisions for liabilities and charges160/5€71k€70k▼
Pensions and similar obligations160€49k€49k=
Other liabilities and charges164/5€22k€20k▼
Amounts payable17/49€2.68M€3.01M▲
Amounts payable within one year42/48€2.68M€2.99M▲
Financial debts43€1.08M€1.26M▲
Credit institutions430/8€1.08M€1.26M▲
Trade debts44€48k€15k▼
Suppliers440/4€48k€15k▼
Advances received on contracts in progress46€1k€2k▲
Taxes, remuneration and social security45€32k€25k▼
Taxes450/3€24k€19k▼
Remuneration and social security454/9€7k€7k▼
Other amounts payable47/48€1.52M€1.69M▲
Accrued charges and deferred income492/3€2k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€35k€36k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€131k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5k€-4k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€7k€-1k▼
Other operating charges640/8€10k€10k▲
Gross operating margin9900€154k€199k▲
Operating profit (loss)9901€42k€27k▼
Financial income75/76B€18k€8k▼
Recurring financial income75€18k€8k▼
Financial charges65/66B€77k€57k▼
Recurring financial charges65€77k€57k▼
Profit (loss) for the period before taxes9903€-16k€-22k▼
Income taxes67/77€339€456▲
Profit (loss) for the period9904€-16k€-23k▼
Profit (loss) for the period to be appropriated9905€-16k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-23k▼
Transfer from equity791/2€16k€23k▲
Transfer to equity691/2€0-
To other reserves6921€0-
The notes to these accounts (10 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €44k ▲12.1%
Operating result €53k, net result €44k, both a record.
31-12
Financial
Equity above €200kEq €205k ▲27.3%
3 profitable years in a row build equity to €205k.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €161k ▲32.2%
2 profitable years in a row build equity to €161k.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €220
Net result €220 after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €-34k ▼654%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €155k ▲4.1%
2 profitable years in a row build equity to €155k.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Sabine Debaenst
CurrentNon-statutory director · since 02-01-2024
02-01-2024
Resigned as Statutaire zaakvoerder
02-01-2024
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Diksmuide · 3 establishment units since 2006
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.
Koning Albertstraat(D) 18600 DiksmuideGround area
362 m²
Building footprint
358 m²
Volume, LiDAR
4,847 m³
Parcel 32003B0104/00G000, Flanders · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
GUARDA
since 20062.157.059.967
Reuzemolenstraat(D) 2, 8600 Diksmuide
since 20062.203.920.865
Reuzemolenstraat(D) 4, 8600 Diksmuide
since 20062.203.920.964
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32003B0104/00G000 | Flanders | 362 m² | 2 · 358 m² | 18.4 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
DOUBLE DUTY
BE 0428.847.787
Brussel · Eq €167k
CUPITEX
BE 0433.574.756
Zottegem · Eq €167k
FOX
BE 0460.798.302
Maasmechelen · Eq €164k
Sequoia Enterprises
BE 0473.294.078
Oostkamp · Eq €170k
GONTEX
BE 0478.553.755
Antwerpen · Eq €162k
Of 683 companies in sector 46412 we hold annual accounts for 512. 407 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2006
Fiscal year end31-12
Activities, NACEBEL
46412Wholesale of household textiles and bedding
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
51410
52421
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
47512Retail sale of household textiles and bedding
51160
52410
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.