GUFINCO
ActiveSummary
GUFINCO has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €-3k. Equity is shrinking by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 20% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-5
Solvency41▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 13.28 against 12.61 in 2024; short-term debt: 7.1% and cash: 15.8% of total assets), but 83.5% 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 →
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 · 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
16.5%
Return on assets
-4.5%
Age of the figures
16 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 25-09-2025, 97 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
97 d early
2024
92 d early
2023
96 d early
2022
94 d early
2021
100 d early
2020
99 d early
2019
99 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 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close24-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€11k▼ 21.5%
2024 · €14k
2019: €77k
2020: €16k
2021: €16k
2022: €15k
2023: €14k
2024: €14k
2019 → 2025
Total assets
€65k▼ 4.9%
2024 · €68k
2019: €78k
2020: €79k
2021: €78k
2022: €75k
2023: €75k
2024: €68k
2019 → 2025
Net result
€-3k▼ 631%
2024 · €-399
2019: €2k
2020: €243
2021: €274
2022: €-753
2023: €-1k
2024: €-399
2019 → 2025
Working capital
€56k▼ 3.2%
2024 · €58k
2019: €74k
2020: €72k
2021: €69k
2022: €61k
2023: €56k
2024: €58k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€15k▼ 4.8%€14k▼ 7.4%€14k▼ 2.9%€11k▼ 21.5%
Operating result€-3k-€-4k▼ 33.9%€-5k▼ 2.1%€-3k▲ 29.3%€-5k▼ 67.4%
Net result€274-€-753€-1k▼ 48.7%€-399▲ 64.4%€-3k▼ 631%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €3k 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 €65k
Fixed assets
€4k ▼ 20.8%
Current assets
€61k ▼ 3.6%
Equity and liabilities €65k
Equity
€11k ▼ 21.5%
Debt
€54k ▼ 0.8%
Debt's share of the balance-sheet total rises from 80.0% to 83.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €-734
Cash flow
€-57▼
2024 · €2k
Current ratio
13.28▲
2024 · 12.61
Debt to equity
5.07▲
2024 · 4.01
ROE
-27.4%▼
2024 · -2.9%
ROA
-4.5%▼
2024 · -0.6%
Interest coverage
-1.55▼
2024 · -0.34
Debt ≤ 1 year
€5k▼
2024 · €5k
Debt > 1 year
€49k=
2024 · €49k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€68k€65k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€5k€4k▼
Current assets29/58€63k€61k▼
Amounts receivable after more than one year29€50k€50k=
Other amounts receivable291€50k€50k=
Amounts receivable within one year40/41€472€339▼
Trade receivables40€472€316▼
Other amounts receivable41-€24
Cash at bank and in hand54/58€12k€10k▼
Equity and liabilities
Total equity and liabilities10/49€68k€65k▼
Equity10/15€14k€11k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-7k€-10k▼
Amounts payable17/49€54k€54k▼
Amounts payable after more than one year17€49k€49k=
Other amounts payable178/9€49k€49k=
Amounts payable within one year42/48€5k€5k▼
Current portion of amounts payable after more than one year42€3k€3k=
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€2k€95▼
Operating profit (loss)9901€-3k€-5k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Non-recurring financial income76B€5k€4k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B€2k€2k▼
Profit (loss) for the period before taxes9903€-399€-3k▼
Profit (loss) for the period9904€-399€-3k▼
Profit (loss) for the period to be appropriated9905€-399€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-10k▼
Profit (loss) brought forward from the previous period14P€-6k€-7k▼
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
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-05
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-05
Financial
Liquidity doublescurrent ratio 12.61
Current ratio from 5.72 to 12.61; short-term debt falls from €12k to €5k.
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Schoten · 1 establishment unit since 1988
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.
Lode Vleeshouwerslaan 62900 SchotenGround area
1,950 m²
Building footprint
165 m²
Volume, LiDAR
715 m³
Parcel 11443B0080/00Z002, Flanders · tallest building 18.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Lode Vleeshouwerslaan 6, 2900 Schoten
since 19882.033.617.668
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11443B0080/00Z002 | Flanders | 1,950 m² | 1 · 165 m² | 18.5 m · 1 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.
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BE 0771.558.487
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Ame-Lys
BE 0649.425.490
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 23,620 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
Founded02-02-1988
Fiscal year end31-05
Activities, NACEBEL 2025
70200Business and other management consultancy
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:gufinco@telenet.be
Phone:03 647 24 02