GUERINO
ActiveGUERINO has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €292k and a net result of €195k. Its solvency ranks better than 38% of 31061 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency85▲+46
Growth78
Stability82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days only on tighter terms
Liquidity ample (current ratio 3.29 against 1.83 in 2024), but 58.9% 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
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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
41.1%
Return on assets
27.5%
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 17-08-2026, 17 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 · 2 filingsDeviation from the deadline
2025
17 d late
2024
42 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€292k▲ 202%
2024 · €97k
2024: €97k
2024 → 2025
Total assets
€711k▲ 6.6%
2024 · €667k
2024: €667k
2024 → 2025
Net result
€195k▲ 109%
2024 · €94k
2024: €94k
2024 → 2025
Working capital
€491k▲ 62.3%
2024 · €303k
2024: €303k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€97k-€292k▲ 202%
Operating result€126k-€279k▲ 122%
Net result€94k-€195k▲ 109%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 122% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €711k
Fixed assets
€6k▲ 544%
Current assets
€705k▲ 5.9%
Equity and liabilities €711k
Equity
€292k▲ 202%
Debt
€419k▼ 26.5%
The debt ratio falls from 85.5% to 58.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€280k▲
2024 · €127k
Cash flow
€197k▲
2024 · €95k
Solvency
41.1%▲
2024 · 14.5%
Current ratio
3.29▲
2024 · 1.83
Quick ratio
0.89▼
2024 · 0.93
Debt / equity
1.44▼
2024 · 5.90
ROE
66.9%▼
2024 · 96.9%
ROA
27.5%▲
2024 · 14.0%
Interest coverage
11.38▼
2024 · 18.23
Debt
€419k▼
2024 · €570k
Debt ≤ 1 year
€215k▼
2024 · €364k
Debt > 1 year
€200k=
2024 · €200k
Income taxes
€60k▲
2024 · €25k
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
Total assets
20/58€667k€711k▲
Fixed assets
21/28€894€6k▲
Tangible fixed assets
22/27€894€6k▲
Current assets
29/58€666k€705k▲
Stocks & contracts in progress
3€327k€515k▲
Amounts receivable within one year
40/41€216k€162k▼
Cash & bank
54/58€122k€25k▼
Total equity & liabilities
10/49€667k€711k▲
Equity
10/15€97k€292k▲
Contributions / capital
10/11€3k€3k=
Accumulated profits (losses)
14€94k€289k▲
Amounts payable
17/49€570k€419k▼
Amounts payable after one year
17€200k€200k=
Amounts payable within one year
42/48€364k€215k▼
Trade debts payable within one year
44€1k€27k▲
Income statement
Code20242025
Gross operating margin
9900€128k€283k▲
Operating result
9901€126k€279k▲
Financial income
75€0€488▲
Financial charges
65€7k€25k▲
Result before taxes
9903€119k€255k▲
Income taxes
67/77€25k€60k▲
Net result for the period
9904€94k€195k▲
Result to be appropriated
9905€94k€195k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
31-12
Financial
Equity above €200kEq €292k ▲202%
2 profitable years in a row build equity to €292k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
KAMOURASKA
BE 0462.503.819
Waterloo · Eq €292k
LV BAKE OFF SERVICE
BE 0462.448.884
Aalst · Eq €292k
NCYA
BE 0842.935.245
Elsene · Eq €292k
Jonnaert International Consulting
BE 0737.870.882
Wemmel · Eq €292k
Kymora
BE 0823.018.670
Aalter · Eq €292k
Of 82,137 companies in sector 70200 we hold annual accounts for 51,755. 37,974 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2024
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-07-2026. Scores and ratios are computed by Checked and are not a credit decision.