GUFINO
ActiveGUFINO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €200k and a net result of €72k. Equity is growing by ~56.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 4.36 against 3.03 in 2023; short-term debt: 18.3% and cash: 72.4% of total assets), and 18.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-07-2025, 6 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
12 d early
2022
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€200k▲ 55.9%
2023 · €128k
2022: €56k
2023: €128k
2022 → 2024
Total assets
€245k▲ 56.7%
2023 · €156k
2022: €88k
2023: €156k
2022 → 2024
Net result
€72k▼ 0.6%
2023 · €72k
2022: €41k
2023: €72k
2022 → 2024
Working capital
€151k▲ 165%
2023 · €57k
2022: €40k
2023: €57k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€56k-€128k▲ 129%€200k▲ 55.9%
Operating result€58k-€102k▲ 75.9%€102k▼ 0.6%
Net result€41k-€72k▲ 75.7%€72k▼ 0.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €245k
Fixed assets
€49k▼ 31.0%
Current assets
€196k▲ 130%
Equity and liabilities €245k
Equity
€200k▲ 55.9%
Debt
€45k▲ 60.1%
The debt ratio rises from 17.9% to 18.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€113k▲
2023 · €107k
Cash flow
€83k▲
2023 · €77k
Solvency
81.7%▼
2023 · 82.1%
Current ratio
4.36▲
2023 · 3.03
Quick ratio
4.36▲
2023 · 3.03
Debt / equity
0.22▲
2023 · 0.22
ROE
35.9%▼
2023 · 56.3%
ROA
29.3%▼
2023 · 46.2%
Interest coverage
53.16▼
2023 · 85.57
Debt
€45k▲
2023 · €28k
Debt ≤ 1 year
€45k▲
2023 · €28k
Income taxes
€28k▼
2023 · €29k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€156k€245k▲
Fixed assets21/28€71k€49k▼
Tangible fixed assets22/27€71k€49k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€62k€41k▼
Current assets29/58€85k€196k▲
Amounts receivable within one year40/41€13k€16k▲
Trade receivables40€10k€16k▲
Other amounts receivable41€3k-
Cash at bank and in hand54/58€72k€177k▲
Deferred charges and accrued income490/1€683€2k▲
Equity and liabilities
Total equity and liabilities10/49€156k€245k▲
Equity10/15€128k€200k▲
Contributions10/11€15k€15k=
Reserves13€113k€185k▲
Distributable reserves133€113k€185k▲
Amounts payable17/49€28k€45k▲
Amounts payable within one year42/48€28k€45k▲
Trade debts44€50€297▲
Suppliers440/4€50€297▲
Taxes, remuneration and social security45€3k€14k▲
Taxes450/3€3k€14k▲
Other amounts payable47/48€25k€30k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€11k▲
Other operating charges640/8€458€873▲
Non-recurring operating charges66A-€78
Gross operating margin9900€108k€114k▲
Operating profit (loss)9901€102k€102k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€101k€100k▼
Income taxes67/77€29k€28k▼
Profit (loss) for the period9904€72k€72k▼
Profit (loss) for the period to be appropriated9905€72k€72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€72k€72k▼
Transfer to equity691/2€72k€72k▼
To other reserves6921€72k€72k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €200k ▲55.9%
3 profitable years in a row build equity to €200k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €72k ▲75.7%
Operating result €102k, net result €72k, both a record.
31-12
Financial
Equity above €100kEq €128k ▲129%
2 profitable years in a row build equity to €128k.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Keerbergen · 1 establishment unit since 2021
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.
Domien Liekenslaan 353140 KeerbergenGround area
1,516 m²
Building footprint
167 m²
Volume, LiDAR
1,146 m³
Parcel 24048A0080/00Z000, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GUFINO
since 20212.324.671.811
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24048A0080/00Z000 | Flanders | 1,516 m² | 1 · 167 m² | 10.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 90 EUR awarded · 90 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 90 EUR | 90 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,046 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:gufino.beheer@gmail.com