GUARDIANS
ActiveGUARDIANS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show equity of €191k and a net result of €46k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 852 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2023
Axes · tick = 2022
Profitability100=
Solvency25▲+8
Growth52=
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity short (current ratio 0.41 against 0.72 in 2022), and 75.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2023Solvency, return and age of the figures
Solvency
24.4%
Return on assets
5.9%
Age of the figures
32 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 3 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline15-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-08-2024, 29 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
29 d late
2022
193 d late
2021
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€191k▲ 31.6%
2022 · €145k
2021: €107k
2022: €145k
2021 → 2023
Total assets
€784k▼ 2.0%
2022 · €800k
2021: €603k
2022: €800k
2021 → 2023
Net result
€46k▲ 21.6%
2022 · €38k
2021: €106k
2022: €38k
2021 → 2023
Working capital
€-91k▼ 84.0%
2022 · €-49k
2021: €371k
2022: €-49k
2021 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202120222023Trend
Equity€107k-€145k▲ 35.1%€191k▲ 31.6%
Operating result€160k-€65k▼ 59.5%€90k▲ 37.7%
Net result€106k-€38k▼ 64.6%€46k▲ 21.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2023; 2023 is 38% above 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €784k
Fixed assets
€722k▲ 7.7%
Current assets
€62k▼ 52.0%
Equity and liabilities €784k
Equity
€191k▲ 31.6%
Debt
€593k▼ 9.4%
The debt ratio falls from 81.8% to 75.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€123k▲
2022 · €84k
Cash flow
€79k▲
2022 · €57k
Solvency
24.4%▲
2022 · 18.2%
Current ratio
0.41▼
2022 · 0.72
Quick ratio
0.41▼
2022 · 0.72
Debt / equity
3.10▼
2022 · 4.51
ROE
24.0%▼
2022 · 26.0%
ROA
5.9%▲
2022 · 4.7%
Interest coverage
5.51▲
2022 · 4.64
Debt
€593k▼
2022 · €654k
Debt ≤ 1 year
€153k▼
2022 · €179k
Debt > 1 year
€440k▼
2022 · €475k
Income taxes
€21k▲
2022 · €18k
Staff costs
€1k▲
2022 · €349
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€800k€784k▼
Fixed assets21/28€670k€722k▲
Tangible fixed assets22/27€670k€722k▲
Land and buildings22€632k€685k▲
Furniture and vehicles24€38k€37k▼
Current assets29/58€129k€62k▼
Amounts receivable within one year40/41€112k€59k▼
Trade receivables40€0€8k▲
Other amounts receivable41€112k€52k▼
Cash at bank and in hand54/58€18k€3k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€800k€784k▼
Equity10/15€145k€191k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€144k€190k▲
Amounts payable17/49€654k€593k▼
Amounts payable after more than one year17€475k€440k▼
Financial debts170/4€475k€440k▼
Amounts payable within one year42/48€179k€153k▼
Current portion of amounts payable after more than one year42€36k€42k▲
Trade debts44€45k€17k▼
Suppliers440/4€45k€17k▼
Advances received on contracts in progress46€18k€0▼
Taxes, remuneration and social security45€81k€94k▲
Taxes450/3€81k€94k▲
Income statement
Code20222023
Non-recurring operating income76A€23k€248▼
Remuneration, social security and pensions62€349€1k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€33k▲
Other operating charges640/8€7k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€92k€126k▲
Operating profit (loss)9901€65k€90k▲
Financial income75/76B€9k€2▼
Recurring financial income75€9k€2▼
Financial charges65/66B€18k€22k▲
Recurring financial charges65€18k€22k▲
Profit (loss) for the period before taxes9903€56k€67k▲
Income taxes67/77€18k€21k▲
Profit (loss) for the period9904€38k€46k▲
Profit (loss) for the period to be appropriated9905€38k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€144k€190k▲
Profit (loss) brought forward from the previous period14P€106k€144k▲
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
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
09-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 193 days late
2023
31-12
Financial
Equity above €150kEq €191k ▲31.6%
3 profitable years in a row build equity to €191k.
2022
31-12
Financial
Weakest financial yearnet €38k ▼64.6%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brugge · 1 establishment unit since 2020
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.
Potterierei 358000 BruggeGround area
72 m²
Building footprint
43 m²
Volume, LiDAR
381 m³
Parcel 31806F0378/00_000, Flanders · tallest building 12.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GUARDIANS
since 20202.303.334.284
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31806F0378/00_000 | Flanders | 72 m² | 1 · 43 m² | 12.7 m · 3 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).
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Fundament R&S
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Of 2,346 companies in sector 78100 we hold annual accounts for 1,354. 1,054 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2020
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:rebecca.dewagtere@telenet.be