Guide2Property
ActiveSummary
Guide2Property has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €-48k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 2699 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability43▼-35
Solvency32▼-3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 1.0 against 0.65 in 2024; short-term debt: 34.9% and cash: 11.5% of total assets), and 92.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 2699 sector peers (2025).
NBB · sector comparisonPosition among 2699 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
20 d late
2024
6 d early
2023
4 d early
2022
2 d early
2021
28 d late
2020
23 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€97k▼ 33.1%
2024 · €144k
2018: €62k
2019: €63k▲ +1.8% vs 2018
2020: €-35k▼ -156% vs 2019
2021: €-197k▼ -464% vs 2020
2022: €-231k▼ -17.3% vs 2021lowest in 8 years
2023: €-168k▲ +27.1% vs 2022
2024: €144k▲ +186% vs 2023highest in 8 years
2025: €97k▼ -33.1% vs 2024
2018 → 2025
Total assets
€1.37M▼ 8.2%
2024 · €1.49M
2018: €613klowest in 8 years
2019: €1.11M▲ +80.9% vs 2018
2020: €1.18M▲ +6.2% vs 2019
2021: €1.15M▼ -2.3% vs 2020
2022: €1.13M▼ -2.2% vs 2021
2023: €1.34M▲ +18.8% vs 2022
2024: €1.49M▲ +11.6% vs 2023highest in 8 years
2025: €1.37M▼ -8.2% vs 2024
2018 → 2025
Net result
€-48k
2024 · €113k
2018: €3k
2019: €1k▼ -67.4% vs 2018
2020: €-97k▼ -9106% vs 2019
2021: €-162k▼ -66.1% vs 2020lowest in 8 years
2022: €-34k▲ +78.9% vs 2021
2023: €62k▲ +283% vs 2022
2024: €113k▲ +80.5% vs 2023highest in 8 years
2025: €-48k▼ -142% vs 2024
2018 → 2025
Working capital
€-201▲ 99.9%
2024 · €-232k
2018: €-14k
2019: €74k▲ +637% vs 2018highest in 8 years
2020: €-102k▼ -239% vs 2019
2021: €-141k▼ -37.4% vs 2020
2022: €-124k▲ +11.8% vs 2021
2023: €-126k▼ -1.8% vs 2022
2024: €-232k▼ -83.4% vs 2023lowest in 8 years
2025: €-201▲ +99.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-197k-€-231k▼ 17.3%€-168k▲ 27.1%€144k€97k▼ 33.1%
2021: €-197k
2022: €-231k▼ -17.3% vs 2021lowest in 5 years
2023: €-168k▲ +27.1% vs 2022
2024: €144k▲ +186% vs 2023highest in 5 years
2025: €97k▼ -33.1% vs 2024
Operating result€-119k-€14k€117k▲ 765%€160k▲ 36.5%€-240
2021: €-119klowest in 5 years
2022: €14k▲ +111% vs 2021
2023: €117k▲ +765% vs 2022
2024: €160k▲ +36.5% vs 2023highest in 5 years
2025: €-240▼ -100% vs 2024
Net result€-162k-€-34k▲ 78.9%€62k€113k▲ 80.5%€-48k
2021: €-162klowest in 5 years
2022: €-34k▲ +78.9% vs 2021
2023: €62k▲ +283% vs 2022
2024: €113k▲ +80.5% vs 2023highest in 5 years
2025: €-48k▼ -142% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €240 after €160k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.37M
Fixed assets
€893k ▼ 15.4%
Current assets
€477k ▲ 9.4%
Equity and liabilities €1.37M
Equity
€97k ▼ 33.1%
Debt
€1.27M ▼ 5.5%
Debt's share of the balance-sheet total rises from 90.3% to 92.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€163k▼
2024 · €297k
Cash flow
€115k▼
2024 · €250k
Current ratio
1.00▲
2024 · 0.65
Debt to equity
13.18▲
2024 · 9.33
ROE
-49.4%▼
2024 · 78.1%
ROA
-3.5%▼
2024 · 7.6%
Interest coverage
3.44▼
2024 · 6.33
Debt ≤ 1 year
€478k▼
2024 · €668k
Debt > 1 year
€689k▲
2024 · €654k
Income taxes
€312
Staff costs
€204k▲
2024 · €157k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.49M€1.37M▼
Fixed assets21/28€1.06M€893k▼
Intangible fixed assets21€1.05M€892k▼
Tangible fixed assets22/27€2k€952▼
Furniture and vehicles24€2k€952▼
Current assets29/58€436k€477k▲
Amounts receivable within one year40/41€305k€306k▲
Trade receivables40€304k€305k▲
Other amounts receivable41€321€691▲
Cash at bank and in hand54/58€44k€158k▲
Deferred charges and accrued income490/1€88k€14k▼
Equity and liabilities
Total equity and liabilities10/49€1.49M€1.37M▼
Equity10/15€144k€97k▼
Contributions10/11€262k€262k=
Reserves13€1k-
Distributable reserves133€1k-
Profit (loss) carried forward14€-118k€-165k▼
Amounts payable17/49€1.35M€1.27M▼
Amounts payable after more than one year17€654k€689k▲
Financial debts170/4€618k€530k▼
Other amounts payable178/9€36k€159k▲
Amounts payable within one year42/48€668k€478k▼
Current portion of amounts payable after more than one year42€224k€122k▼
Financial debts43€7k-
Credit institutions430/8€7k-
Trade debts44€338k€301k▼
Suppliers440/4€338k€301k▼
Taxes, remuneration and social security45€15k€54k▲
Taxes450/3€9k€19k▲
Remuneration and social security454/9€6k€36k▲
Other amounts payable47/48€85k-
Accrued charges and deferred income492/3€25k€107k▲
Income statement
Code20242025
Remuneration, social security and pensions62€157k€204k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€137k€163k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€455k€367k▼
Operating profit (loss)9901€160k€-240▼
Financial income75/76B€86€42▼
Recurring financial income75€86€42▼
Financial charges65/66B€47k€47k▲
Recurring financial charges65€47k€47k▲
Profit (loss) for the period before taxes9903€113k€-47k▼
Income taxes67/77-€312
Profit (loss) for the period9904€113k€-48k▼
Profit (loss) for the period to be appropriated9905€113k€-48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-118k€-166k▼
Profit (loss) brought forward from the previous period14P€-231k€-118k▲
Transfer from equity791/2-€1k
Social balance
Average headcount (FTE)90872.52.7▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €72k | €83k | €141k | €157k | €204k | ▲ 29.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €106k | €110k | €121k | €137k | €163k | ▲ 18.5% |
| Other operating charges640/8 | €1k | €990 | €1k | €1k | €1k | ▼ 7.3% |
| Gross operating margin9900 | €61k | €208k | €380k | €455k | €367k | ▼ 19.3% |
| Operating profit (loss)9901 | €-119k | €14k | €117k | €160k | €-240 | ▼ 100% |
| Financial income75/76B | €17 | €15 | €0 | €86 | €42 | ▼ 51.2% |
| Recurring financial income75 | €17 | €15 | €0 | €86 | €42 | ▼ 51.2% |
| Financial charges65/66B | €43k | €48k | €54k | €47k | €47k | ▲ 0.7% |
| Recurring financial charges65 | €43k | €48k | €54k | €47k | €47k | ▲ 0.7% |
| Profit (loss) for the period before taxes9903 | €-162k | €-34k | €62k | €113k | €-47k | ▼ 142% |
| Income taxes67/77 | €12 | - | - | - | €312 | - |
| Profit (loss) for the period9904 | €-162k | €-34k | €62k | €113k | €-48k | ▼ 142% |
| Profit (loss) for the period to be appropriated9905 | €-162k | €-34k | €62k | €113k | €-48k | ▼ 142% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.15M | €1.13M | €1.34M | €1.49M | €1.37M | ▼ 8.2% |
| Fixed assets21/28 | €908k | €896k | €934k | €1.06M | €893k | ▼ 15.4% |
| Intangible fixed assets21 | €906k | €895k | €931k | €1.05M | €892k | ▼ 15.4% |
| Tangible fixed assets22/27 | €1k | €986 | €3k | €2k | €952 | ▼ 52.0% |
| Furniture and vehicles24 | €1k | €986 | €3k | €2k | €952 | ▼ 52.0% |
| Current assets29/58 | €243k | €229k | €403k | €436k | €477k | ▲ 9.4% |
| Amounts receivable within one year40/41 | €216k | €164k | €332k | €305k | €306k | ▲ 0.3% |
| Trade receivables40 | €212k | €164k | €332k | €304k | €305k | ▲ 0.1% |
| Other amounts receivable41 | €4k | €1 | - | €321 | €691 | ▲ 115% |
| Cash at bank and in hand54/58 | €26k | €29k | €34k | €44k | €158k | ▲ 260% |
| Deferred charges and accrued income490/1 | €1k | €36k | €37k | €88k | €14k | ▼ 84.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.15M | €1.13M | €1.34M | €1.49M | €1.37M | ▼ 8.2% |
| Equity10/15 | €-197k | €-231k | €-168k | €144k | €97k | ▼ 33.1% |
| Contributions10/11 | €62k | €62k | €62k | €262k | €262k | = |
| Capital10 | €62k | €62k | €62k | - | - | - |
| Issued capital100 | €62k | €62k | €62k | - | - | - |
| Reserves13 | €1k | €1k | €1k | €1k | - | - |
| Non-distributable reserves130/1 | €220 | €220 | €220 | - | - | - |
| Legal reserve130 | €220 | €220 | €220 | - | - | - |
| Distributable reserves133 | €886 | €886 | €886 | €1k | - | - |
| Profit (loss) carried forward14 | €-259k | €-293k | €-231k | €-118k | €-165k | ▼ 39.4% |
| Amounts payable17/49 | €1.35M | €1.36M | €1.51M | €1.35M | €1.27M | ▼ 5.5% |
| Amounts payable after more than one year17 | €958k | €924k | €931k | €654k | €689k | ▲ 5.3% |
| Financial debts170/4 | €858k | €824k | €664k | €618k | €530k | ▼ 14.2% |
| Other amounts payable178/9 | €100k | €100k | €268k | €36k | €159k | ▲ 339% |
| Amounts payable within one year42/48 | €384k | €353k | €530k | €668k | €478k | ▼ 28.5% |
| Current portion of amounts payable after more than one year42 | €128k | €58k | €129k | €224k | €122k | ▼ 45.6% |
| Financial debts43 | - | - | - | €7k | - | - |
| Credit institutions430/8 | - | - | - | €7k | - | - |
| Trade debts44 | €239k | €253k | €331k | €338k | €301k | ▼ 10.8% |
| Suppliers440/4 | €239k | €253k | €331k | €338k | €301k | ▼ 10.8% |
| Taxes, remuneration and social security45 | €15k | €35k | €51k | €15k | €54k | ▲ 275% |
| Taxes450/3 | €1k | €15k | €14k | €9k | €19k | ▲ 115% |
| Remuneration and social security454/9 | €13k | €20k | €37k | €6k | €36k | ▲ 508% |
| Other amounts payable47/48 | €3k | €8k | €18k | €85k | - | - |
| Accrued charges and deferred income492/3 | €5k | €79k | €44k | €25k | €107k | ▲ 327% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-162k | €-34k | €62k | €113k | €-48k | ▼ 142% |
| + Depreciation and write-downs630 | €106k | €110k | €121k | €137k | €163k | ▲ 18.5% |
| Operating cash flow (approximation) | €-56k | €76k | €183k | €250k | €115k | ▼ 54.0% |
| Investment in fixed assets (approximation) | - | €-99k | €-158k | €-259k | €0 | ▲ 100% |
| Change in cash | - | €3k | €5k | €10k | €114k | ▲ 1,040% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €113k ▲80.5%
Operating result €160k, net result €113k, both a record.
31-12
Financial
Equity above €100kEq €144k
2 profitable years in a row build equity to €144k.
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €62k
Net result €62k after 3 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 28 days late
2021
31-12
Financial
Weakest financial yearnet €-162k
Net result drops to €-162k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 23 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Gent · 1 establishment unit since 2016
Ground area
3,806 m²
Building footprint
964 m²
Parcel 44810K0582/00H000, Flanders. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Guide2Property
since 20162.255.208.131
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44810K0582/00H000 | Flanders | 3,806 m² | 1 · 964 m² | - |
Linked by address, not proof of ownership
Good to know
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 to 2025 · 6 entries · 466,368 EUR awarded · 373,615 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 456,931 EUR | 364,195 EUR |
| 2024 | 2 | 692 EUR | 5,175 EUR |
| 2023 | 1 | 8,250 EUR | 3,750 EUR |
| 2022 | 1 | 495 EUR | 495 EUR |
Schemes
Ontwikkelingsproject
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 6,947 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-07-2016
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Scores and ratios are computed by Checked and are not a credit decision.