GUILMIN ET SCALA
ActiveSummary
GUILMIN ET SCALA has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €347k and a net result of €-21k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-50
Solvency87▼-8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 4.76 against 6.99 in 2024; short-term debt: 16.6% and cash: 10.3% of total assets), and 38.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
64 d late
2023
9 d late
2022
63 d late
2021
24 d early
2020
13 d late
2019
17 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€347k▼ 5.6%
2024 · €368k
2018: €89k
2019: €132k
2020: €346k
2021: €405k
2022: €346k
2023: €344k
2024: €368k
2018 → 2025
Total assets
€560k▲ 6.0%
2024 · €528k
2018: €271k
2019: €392k
2020: €612k
2021: €687k
2022: €534k
2023: €576k
2024: €528k
2018 → 2025
Net result
€-21k
2024 · €24k
2018: €67k
2019: €43k
2020: €214k
2021: €59k
2022: €-59k
2023: €-3k
2024: €24k
2018 → 2025
Working capital
€349k▼ 11.5%
2024 · €395k
2018: €144k
2019: €193k
2020: €411k
2021: €457k
2022: €391k
2023: €373k
2024: €395k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€405k-€346k▼ 14.5%€344k▼ 0.8%€368k▲ 6.9%€347k▼ 5.6%
Operating result€86k-€-54k€834€31k▲ 3,670%€-17k
Net result€59k-€-59k€-3k▲ 95.2%€24k€-21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €17k after €31k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €560k
Fixed assets
€118k ▲ 73.9%
Current assets
€442k ▼ 4.0%
Equity and liabilities €560k
Equity
€347k ▼ 5.6%
Debt
€213k ▲ 32.5%
Debt's share of the balance-sheet total rises from 30.4% to 38.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €55k
Cash flow
€327▼
2024 · €47k
Current ratio
4.76▼
2024 · 6.99
Debt to equity
0.61▲
2024 · 0.44
ROE
-5.9%▼
2024 · 6.5%
ROA
-3.7%▼
2024 · 4.5%
Interest coverage
1.23▼
2024 · 11.28
Debt ≤ 1 year
€93k▲
2024 · €66k
Debt > 1 year
€49k▲
2024 · €25k
Income taxes
€442▼
2024 · €3k
Staff costs
€175k▲
2024 · €175k
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€528k€560k▲
Fixed assets21/28€68k€118k▲
Tangible fixed assets22/27€67k€117k▲
Land and buildings22€899€22k▲
Plant, machinery and equipment23-€61k
Furniture and vehicles24€66k€33k▼
Financial fixed assets28€780€780=
Current assets29/58€461k€442k▼
Amounts receivable within one year40/41€296k€379k▲
Trade receivables40€190k€208k▲
Other amounts receivable41€106k€171k▲
Cash at bank and in hand54/58€158k€58k▼
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€528k€560k▲
Equity10/15€368k€347k▼
Contributions10/11€19k€19k=
Reserves13€26k€26k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€323k€303k▼
Amounts payable17/49€161k€213k▲
Amounts payable after more than one year17€25k€49k▲
Financial debts170/4€25k€49k▲
Amounts payable within one year42/48€66k€93k▲
Current portion of amounts payable after more than one year42€25k€23k▼
Trade debts44€26k€48k▲
Suppliers440/4€26k€48k▲
Taxes, remuneration and social security45€14k€22k▲
Taxes450/3€3k€5k▲
Remuneration and social security454/9€11k€17k▲
Accrued charges and deferred income492/3€70k€71k▲
Income statement
Code20242025
Remuneration, social security and pensions62€175k€175k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€21k▼
Other operating charges640/8€8k€4k▼
Gross operating margin9900€237k€183k▼
Operating profit (loss)9901€31k€-17k▼
Financial income75/76B€140€0▼
Recurring financial income75€140€0▼
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€27k€-20k▼
Income taxes67/77€3k€442▼
Profit (loss) for the period9904€24k€-21k▼
Profit (loss) for the period to be appropriated9905€24k€-21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€347k€303k▼
Profit (loss) brought forward from the previous period14P€323k€323k=
Transfer to equity691/2€24k€0▼
To other reserves6921€24k€0▼
The notes to these accounts (15 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 64 days late
2024
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 63 days late
2022
31-12
Financial
Weakest financial yearnet €-59k ▼199%
Net result drops to €-59k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Highest result since 2018net €214k ▲403%
Operating result €295k, net result €214k, both a record.
31-12
Financial
Equity above €200kEq €346k ▲162%
3 profitable years in a row build equity to €346k.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Equity above €100kEq €132k ▲47.7%
2 profitable years in a row build equity to €132k.
Show earlier events
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Châtelet · 1 establishment unit since 1994
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.
Rue de Fleurus 1296200 ChâteletGround area
1,298 m²
Building footprint
310 m²
Volume, LiDAR
1,620 m³
Parcel 52012B0038/00X002, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GUILMIN & SCALA
since 19942.065.190.178
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52012B0038/00X002 | Wallonia | 1,298 m² | 1 · 310 m² | 9.4 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.
Similar companies · same sector, comparable size
A. ANRIGLASS
BE 0471.249.853
Sombreffe · Eq €348k
CHASSIS TROOZ
BE 0462.338.127
Trooz · Eq €350k
TRIPO
BE 0440.175.904
Beringen · Eq €353k
EmLes-Glass
BE 0716.804.462
Zulte · Eq €335k
GLASHANDEL HUYSMANS
BE 0430.384.743
Beringen · Eq €361k
Of 489 companies in sector 43343 we hold annual accounts for 294. 239 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
Founded06-01-1994
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43343Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.