Guima
ActiveSummary
Guima has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of €20,115. Equity is growing by ~5.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability37▼-2
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110,000 at 30 days acceptable
Liquidity short (current ratio 0.73 against 0.62 in 2024; short-term debt: 24.4% and cash: 17.5% of total assets), and 25.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
74.1%
Return on assets
0.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
15 d early
2023
42 d early
2022
76 d early
2021
62 d early
2020
66 d early
2019
51 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 53 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.7m▲ 1.2%
2024 · €1.6m
Total assets
€2.2m▲ 2.1%
2024 · €2.2m
Net result
€20,115▲ 17.9%
2024 · €17,068
Working capital
-€146,989▲ 30.0%
2024 · -€209,978
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€24,068▼ 17.2%€31,671▲ 31.6%€29,636▼ 6.4%€13,873▼ 53.2%€54,166▲ 290%
Net result€117▼ 97.3%€5,858▲ 4,893%€23,708▲ 305%€17,068▼ 28.0%€20,115▲ 17.9%
Equity€219,494▲ 0.1%€225,353▲ 2.7%€249,060▲ 10.5%€1.6m▲ 555%€1.7m▲ 1.2%
Total assets€758,409=€777,648▲ 2.5%€796,951▲ 2.5%€2.2m▲ 174%€2.2m▲ 2.1%
Debt€538,915=€552,295▲ 2.5%€547,890▼ 0.8%€551,190▲ 0.6%€577,827▲ 4.8%
Working capital€185,951▲ 22.4%€220,403▲ 18.5%€259,571▲ 17.8%-€209,978-€146,989▲ 30.0%
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 recovers in 2025; 2025 is 290% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets
€1.8m ▼ 0.7%
Current assets
€396,700 ▲ 17.4%
Equity and liabilities €2.2m
Equity
€1.7m ▲ 1.2%
Debt
€577,827 ▲ 4.8%
Debt's share of the balance-sheet total rises from 25.3% to 25.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€66,347▲
2024 · €26,426
Cash flow
€32,296▲
2024 · €29,621
Current ratio
0.73▲
2024 · 0.62
Debt to equity
0.35▲
2024 · 0.34
ROE
1.2%▲
2024 · 1.0%
ROA
0.9%▲
2024 · 0.8%
Interest coverage
2.03▲
2024 · -130.87
Debt ≤ 1 year
€543,689▼
2024 · €547,746
Income taxes
€6,705▲
2024 · €5,689
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,733 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 14,733 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €34,289 | €29,214 | €16,329 | €12,553 | €12,181 | ▼ 3.0% |
| Other operating charges640/8 | €13,118 | €13,464 | €15,284 | €15,818 | €16,374 | ▲ 3.5% |
| Gross operating margin9900 | €71,475 | €74,349 | €61,249 | €42,244 | €82,720 | ▲ 95.8% |
| Operating profit (loss)9901 | €24,068 | €31,671 | €29,636 | €13,873 | €54,166 | ▲ 290% |
| Financial income75/76B | - | - | €5,362 | €8,683 | €5,378 | ▼ 38.1% |
| Recurring financial income75 | - | - | €5,362 | €8,683 | €5,378 | ▼ 38.1% |
| Financial charges65/66B | €20,170 | €20,120 | €216 | -€202 | €32,724 | ▲ 16,306% |
| Recurring financial charges65 | €20,170 | €20,120 | €216 | -€202 | €32,724 | ▲ 16,306% |
| Profit (loss) for the period before taxes9903 | €3,898 | €11,551 | €34,782 | €22,758 | €26,821 | ▲ 17.9% |
| Income taxes67/77 | €3,781 | €5,693 | €11,074 | €5,689 | €6,705 | ▲ 17.9% |
| Profit (loss) for the period9904 | €117 | €5,858 | €23,708 | €17,068 | €20,115 | ▲ 17.9% |
| Transfer from tax-exempt reserves789 | - | - | - | €136,528 | €0 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €117 | €5,858 | €23,708 | €153,596 | €20,115 | ▼ 86.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €758,409 | €777,648 | €796,951 | €2.2m | €2.2m | ▲ 2.1% |
| Fixed assets21/28 | €537,258 | €508,044 | €491,715 | €1.8m | €1.8m | ▼ 0.7% |
| Tangible fixed assets22/27 | €537,258 | €508,044 | €491,715 | €931,024 | €918,844 | ▼ 1.3% |
| Land and buildings22 | €537,258 | €508,044 | €491,715 | €931,024 | €918,844 | ▼ 1.3% |
| Financial fixed assets28 | - | - | - | €912,581 | €912,581 | = |
| Current assets29/58 | €221,151 | €269,603 | €305,236 | €337,767 | €396,700 | ▲ 17.4% |
| Amounts receivable within one year40/41 | €1,219 | €1,526 | €307 | €2,415 | €7,324 | ▲ 203% |
| Other amounts receivable41 | €1,219 | €1,526 | €307 | €2,415 | €7,324 | ▲ 203% |
| Cash at bank and in hand54/58 | €219,932 | €268,077 | €304,929 | €335,352 | €389,376 | ▲ 16.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €758,409 | €777,648 | €796,951 | €2.2m | €2.2m | ▲ 2.1% |
| Equity10/15 | €219,494 | €225,353 | €249,060 | €1.6m | €1.7m | ▲ 1.2% |
| Contributions10/11 | €123,947 | €123,947 | €123,947 | €164,159 | €164,159 | = |
| Capital10 | €123,947 | €123,947 | €123,947 | €164,159 | €164,159 | = |
| Issued capital100 | €123,947 | €123,947 | €123,947 | €164,159 | €164,159 | = |
| Reserves13 | €12,395 | €12,395 | €35,895 | €172,423 | €176,444 | ▲ 2.3% |
| Non-distributable reserves130/1 | €12,395 | €12,395 | €12,395 | €12,395 | €16,416 | ▲ 32.4% |
| Legal reserve130 | €12,395 | €12,395 | €12,395 | €12,395 | €16,416 | ▲ 32.4% |
| Distributable reserves133 | - | - | €23,500 | €160,028 | €160,028 | = |
| Profit (loss) carried forward14 | €83,153 | €89,011 | €89,219 | €1.3m | €1.3m | ▲ 1.2% |
| Amounts payable17/49 | €538,915 | €552,295 | €547,890 | €551,190 | €577,827 | ▲ 4.8% |
| Amounts payable after more than one year17 | €500,000 | €500,000 | €500,000 | €0 | - | - |
| Financial debts170/4 | €500,000 | €500,000 | €500,000 | €0 | - | - |
| Amounts payable within one year42/48 | €35,200 | €49,200 | €45,665 | €547,746 | €543,689 | ▼ 0.7% |
| Trade debts44 | - | - | - | €2,081 | €489 | ▼ 76.5% |
| Suppliers440/4 | - | - | - | €2,081 | €489 | ▼ 76.5% |
| Taxes, remuneration and social security45 | €6,000 | €6,000 | €2,465 | €2,465 | €0 | ▼ 100% |
| Taxes450/3 | €6,000 | €6,000 | €2,465 | €2,465 | €0 | ▼ 100% |
| Other amounts payable47/48 | €29,200 | €43,200 | €43,200 | €543,200 | €543,200 | = |
| Accrued charges and deferred income492/3 | €3,715 | €3,095 | €2,225 | €3,445 | €34,138 | ▲ 891% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €117 | €5,858 | €23,708 | €17,068 | €20,115 | ▲ 17.9% |
| + Depreciation and write-downs630 | €34,289 | €29,214 | €16,329 | €12,553 | €12,181 | ▼ 3.0% |
| Operating cash flow (approximation) | €34,406 | €35,072 | €40,037 | €29,621 | €32,296 | ▲ 9.0% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€1.4m | €0 | ▲ 100% |
| Change in cash | - | €48,145 | €36,852 | €30,424 | €54,024 | ▲ 77.6% |
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
07-09
State Gazette act
RestructuringMerger · Capital · Director in office42 facts ▸
State Gazette act
Restructuring
Merger · Capital · Director in office42 facts ▸
- Board meeting, 25-08-2026
- Merger, fusie door overneming, EUR
- Capital, €433.813,66
- Director in office, Guido Jr Heerman (managing director)
- Director in office, Dirk Heerman (managing director)
- Director in office, Guido Heerman (managing director)
- Director in office, Rudi Heerman (director)
- Declaration, geen commissaris benoemd
- Capital, €63.000
- Director in office, Guido Jr Heerman (managing director)
- Director in office, Dirk Heerman (managing director)
- Director in office, Guido Heerman (managing director)
- +30 further facts in this act
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €1mEq €1.6m ▲555%
6 profitable years in a row build equity to €1.6m.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €23,708 ▲305%
Net result €23,708, the highest in the series.
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €9,634
Net result €9,634 after one loss-making year.
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
10 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1983
Ground area
3.9 ha
Building footprint
2,749 m²
Volume, LiDAR
423 m³
2 parcels, Brussels, Flanders · tallest building 11.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Vier Linden(Heu) 1, 8501 Kortrijk
since 19832.023.019.330
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21813F0611/00L000 | Brussels | 3.7 ha | 1 · 48 m² | 11.0 m · 1 fl. |
| 34016B0695/00X002 | Flanders | 2,735 m² | 1 · 2,701 m² | 10.9 m |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Articles of association
Statutory auditor
No statutory auditor appointed
Purpose
Alle transport, zowel internationaal als nationaal, voor eigen rekening, als voor rekening van derden, het aankopen, verkopen, verhuren en huren van alle materialen welke bij het…
Full purpose (16 activities)
- Alle transport, zowel internationaal als nationaal, voor eigen rekening, als voor rekening van derden, het aankopen, verkopen, verhuren en huren van alle materialen welke bij het transportbedrijf kunnen van toepassing zijn
- Vervoercommissionnair, tussenpersoon in het goederenvervoer
- Algemene tuinbouw, onder andere fruitbomenteelt
- Het drijven van handel in goederen in de ruimste zin van het woord
- Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen
- De vennootschap kan in het kader van haar voorwerp optreden in financieringsverrichtingen onder om het even welke vorm, met inbegrip van het intekenen op en het verhandelen van aandelen, obligaties, kasbons en andere roerende waarden, het toestaan van leningen in rekening courant, zelfs aan particulieren, zij kan kredieten verlenen of doen verlenen, voorschotten toestaan, zich borg stellen of haar aval verlenen, hypothecaire en andere zekerheden verstrekken of persoonlijke en zakelijke waarborgen doen verstrekken aan rechtspersonen en ondernemingen of particulieren, zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van haar eigen bestuurders, aandeelhouders, andere vennootschappen en personen, onder meer door haar goederen in hypotheek of in pand te geven, inclusief de eigen handelszaak; zij kan zich bezighouden met het aankopen, verkopen, ruilen, het verhuren of het in huur nemen van om het even welke roerende of onroerende goederen, handelseffecten in disconto nemen, en in het algemeen alle handels - en financiële operaties verrichten, in de meest ruime zin, behalve die welke wettelijk voorbehouden zijn aan depositobanken, houders van deposito's op korte termijn, spaarkassen, hypotheekmaatschappijen en kapitalisatieondernemingen
- Het verlenen van adviezen van financiële, technische, commerciële of administratieve aard, in de ruimste zin, waaronder onder andere advies inzake algemeen management, marketing, financieel en commercieel beleid, administratieve prestaties en computerservices, personeelsbeleid en al wat daarmede rechtstreeks of onrechtstreeks verband houdt doch met uitzondering van adviezen inzake beleggingen en geldplaatsingen
- Bijstand en diensten verlenen, rechtstreeks of onrechtstreeks, op het vlak van administratie en financiën, verkoop, productie en algemeen bestuur
- Het besturen van vennootschappen en verenigingen, met name de deelname aan en de bijstand bij het beheer, bestuur en management van vennootschappen, ongeacht hun voorwerp en activiteit, via de uitoefening van een mandaat of van een functie die op grond van een overeenkomst aan een zelfstandig manager kunnen worden uitbesteed
- Het beheer van een eigen onroerend vermogen, omvattend: het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen zowel in binnen- als buitenland; alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten in de meest ruime zin; het aan- en verkopen in zowel volle eigendom als in vruchtgebruik en/of blote eigendom, ruilen, (doen) bouwen, (doen) verbouwen, onderhouden, verhuren, huren, ter beschikking stellen, verkavelen, prospecteren en uitbaten van onroerend goederen; het ontwerpen en opvolgen van projecten en het maken van studies met betrekking tot immobiliën; de aan- en verkoop, huur en verhuur van roerende goederen betreffende de inrichting en uitrusting van onroerende goederen, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een eigen roerend patrimonium; het beleggen van beschikbare middelen in roerende goederen en waarden; alle verrichtingen met betrekking tot roerende goederen en rechten, van welke aard ook, zoals het verwerven door inschrijving of aankoop, het te gelde maken, inbrengen, afstaan, verhandelen en het beheren van aandelen, aandelenopties, obligaties, kasbons, afgeleide producten of andere roerende waarden, van welke vorm ook, van Belgische of buitenlandse, bestaande of nog op te richten rechtspersonen en ondernemingen
- Het beheer, het verwerven, de aan- en verkoop, het huren en verhuren, de commissiehandel en vertegenwoordiging, de instandhouding en valorisatie van roerende goederen; de huurfinanciering, het leasen, in leasing geven van roerende goederen aan derden, alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende goederen te bevorderen, zoals het onderhoud, de ontwikkeling, de verfraaiing en de verhuring van deze goederen
- Het aanvragen van patenten, octrooien of andere intellectuele eigendomsrechten op de door haar ontwikkelde scheppingen, uitvindingen, methodes, strategieën en analyses. De vennootschap kan deze rechten vrij overdragen, verkopen, wijzigen of leasen aan derden
- Bovenvermelde opsomming is niet beperkend, doch dient in de ruimste zin uitgelegd te worden, zodat de vennootschap alle handelingen kan stellen die op welke wijze ook, zowel rechtstreeks als onrechtstreeks, kunnen bijdragen tot de verwezenlijking van haar voorwerp. Zij mag derhalve alle handelingen van commerciële, industriële, burgerlijke, financiële, administratieve, onroerende of roerende aard verrichten die rechtstreeks of onrechtstreeks, geheel of gedeeltelijk, met haar voorwerp in verband staan, ermee verwant of verknocht zijn, of de verwezenlijking ervan kunnen vergemakkelijken, bevorderen en/of helpen uitbreiden.
- Indien bepaalde activiteiten van de vennootschap wettelijk gereglementeerd zijn, dan zal de vennootschap deze activiteiten slechts mogen uitoefenen voor zover voldaan is aan de voorschriften terzake, zoals onder meer en bij voorbeeld het ter beschikking van de vennootschap gesteld zijn van technische- en/of andere kennis, bewezen door een of meer activiteitsattesten.
- De algemene vergadering kan het voorwerp van de vennootschap uitleggen, verklaren en uitbreiden, mits zich te schikken naar de wettelijke regels terzake.
Accounting effect
01-01-2026
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
30%
According to the 2025 annual accounts of Guima and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Acquisitions and mergers
3 transactionsCapital and shareholders
Capital over the years
- 07-09-2026 Capital stated in the act · 164,159.28 EUR · 5,000 shares
Identification & contact
Identification
Legal formPublic limited company
Founded19-06-1979
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0419661788
Also
9925:BE0419661788
Registered
07-11-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.