GUILLARD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €140k and a net result of €87k. Equity is growing by ~17.1% per year across the filed fiscal years. Its solvency ranks better than 26% of 7994 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-01-2026, 101 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
101 d early
2024
162 d early
2023
148 d early
2022
114 d early
2021
32 d early
2020
44 d early
2019
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▼ 35.8%
2024 · €218k
2018: €47k
2019: €73k
2020: €97k
2021: €73k
2022: €73k
2023: €115k
2024: €218k
2018 → 2025
Net result
€87k▼ 15.2%
2024 · €102k
2018: €29k
2019: €27k
2020: €25k
2021: €53k
2022: €32k
2023: €42k
2024: €102k
2018 → 2025
Total assets
€636k▲ 6.2%
2024 · €599k
2018: €78k
2019: €266k
2020: €457k
2021: €478k
2022: €481k
2023: €506k
2024: €599k
2018 → 2025
Solvency
21.9%▼ 14.4pp
2024 · 36.3%
2018: 60.2%
2019: 27.5%
2020: 21.3%
2021: 15.4%
2022: 15.3%
2023: 22.8%
2024: 36.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€73k=€115k▲ 57.2%€218k▲ 88.7%€140k▼ 35.8%
Operating result€73k-€49k▼ 32.9%€48k▼ 2.8%€57k▲ 19.3%€140k▲ 145%
Net result€53k-€32k▼ 39.2%€42k▲ 30.4%€102k▲ 144%€87k▼ 15.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 145% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €636k
Fixed assets
€429k▲ 1.3%
Current assets
€207k▲ 18.2%
Equity and liabilities €636k
Equity
€140k▼ 35.8%
Debt
€497k▲ 30.2%
The debt ratio rises from 63.7% to 78.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
21.9%▼
2024 · 36.3%
ROE
62.1%▲
2024 · 47.0%
ROA
13.6%▼
2024 · 17.1%
Debt
€497k▲
2024 · €381k
Debt ≤ 1 year
€192k▲
2024 · €70k
Debt > 1 year
€292k▼
2024 · €311k
Income taxes
€40k▲
2024 · €12k
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
Assets
Total assets20/58€599k€636k▲
Fixed assets21/28€424k€429k▲
Tangible fixed assets22/27€416k€421k▲
Land and buildings22€416k€416k=
Furniture and vehicles24€193€6k▲
Financial fixed assets28€8k€8k=
Current assets29/58€175k€207k▲
Amounts receivable within one year40/41€124k€25k▼
Trade receivables40€0-
Other amounts receivable41€124k€25k▼
Current investments50/53-€125k
Cash at bank and in hand54/58€48k€53k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€599k€636k▲
Equity10/15€218k€140k▼
Contributions10/11€19k€19k=
Reserves13€199k€121k▼
Distributable reserves133€199k€121k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€381k€497k▲
Amounts payable after more than one year17€311k€292k▼
Financial debts170/4€191k€172k▼
Other amounts payable178/9€120k€120k=
Amounts payable within one year42/48€70k€192k▲
Current portion of amounts payable after more than one year42€19k€19k▲
Trade debts44€240€973▲
Suppliers440/4€240€973▲
Taxes, remuneration and social security45€2k€13k▲
Taxes450/3€0€13k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€49k€159k▲
Accrued charges and deferred income492/3€409€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€419€6k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€60k€147k▲
Operating profit (loss)9901€57k€140k▲
Financial income75/76B€72k€2k▼
Recurring financial income75€72k€2k▼
Financial charges65/66B€14k€15k▲
Recurring financial charges65€14k€15k▲
Profit (loss) for the period before taxes9903€115k€127k▲
Income taxes67/77€12k€40k▲
Profit (loss) for the period9904€102k€87k▼
Profit (loss) for the period to be appropriated9905€102k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102k€87k▼
Transfer from equity791/2-€165k
Transfer to equity691/2€102k€87k▼
To other reserves6921€102k€87k▼
Profit to be distributed694/7-€165k
Return on contributions (dividend)694-€165k
The notes to these accounts (12 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
2026
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Highest result since 2018net €102k ▲144%
Net result €102k, the highest in the series.
30-09
Financial
Liquidity times 6current ratio 2.52
Current ratio from 0.44 to 2.52; short-term debt falls from €181k to €70k.
30-09
Financial
Equity above €200kEq €218k ▲88.7%
7 profitable years in a row build equity to €218k.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-09
Financial
Equity above €100kEq €115k ▲57.2%
6 profitable years in a row build equity to €115k.
06-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €25k ▼8.1%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
16-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
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, Zulte · 1 establishment unit since 2017
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.
Hof ter Weeden 139870 ZulteGround area
643 m²
Building footprint
140 m²
Volume, LiDAR
900 m³
Parcel 44081A0092/00C003, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Guillard
since 20172.268.679.352
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44081A0092/00C003 | Flanders | 643 m² | 1 · 140 m² | 9.3 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,087 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2017
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
68110Buying and selling of own real estate
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.