Guiver Holding has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €48k and a net result of €31k. Its solvency ranks better than 10% of 8623 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2023, under 3 years, statistically higher risk.
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 24-08-2026, 24 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 · 2 filingsDeviation from the deadline
2025
24 d late
2024
28 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€48k▲ 187%
2024 · €17k
2024: €17k
2024 → 2025
Total assets
€4.03M▼ 0.7%
2024 · €4.06M
2024: €4.06M
2024 → 2025
Net result
€31k▲ 373%
2024 · €7k
2024: €7k
2024 → 2025
Working capital
€-2.16M▼ 11.0%
2024 · €-1.95M
2024: €-1.95M
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€17k-€48k▲ 187%
Operating result€116k-€143k▲ 23.7%
Net result€7k-€31k▲ 373%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.03M
Fixed assets
€3.94M▼ 0.2%
Current assets
€91k▼ 16.8%
Equity and liabilities €4.03M
Equity
€48k▲ 187%
Debt
€3.99M▼ 1.5%
The debt ratio falls from 99.6% to 98.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
1.2%▲
2024 · 0.4%
ROE
65.2%▲
2024 · 39.6%
ROA
0.8%▲
2024 · 0.2%
Debt
€3.99M▼
2024 · €4.04M
Debt ≤ 1 year
€2.26M▲
2024 · €2.06M
Debt > 1 year
€1.69M▼
2024 · €1.97M
Income taxes
€10k▲
2024 · €8k
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€4.06M€4.03M▼
Fixed assets21/28€3.95M€3.94M▼
Tangible fixed assets22/27€37k€28k▼
Furniture and vehicles24€37k€28k▼
Financial fixed assets28€3.91M€3.91M=
Current assets29/58€109k€91k▼
Amounts receivable within one year40/41€79k€79k▲
Trade receivables40€79k€79k=
Other amounts receivable41€1€289▲
Cash at bank and in hand54/58€29k€10k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€4.06M€4.03M▼
Equity10/15€17k€48k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€7k€38k▲
Amounts payable17/49€4.04M€3.99M▼
Amounts payable after more than one year17€1.97M€1.69M▼
Financial debts170/4€1.97M€1.69M▼
Amounts payable within one year42/48€2.06M€2.26M▲
Current portion of amounts payable after more than one year42€284k€272k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€35k€33k▼
Taxes450/3€32k€30k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€1.74M€1.95M▲
Accrued charges and deferred income492/3€19k€36k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€577€9k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€119k€155k▲
Operating profit (loss)9901€116k€143k▲
Financial income75/76B€0€47▲
Recurring financial income75€0€47▲
Financial charges65/66B€101k€102k▲
Recurring financial charges65€101k€102k▲
Profit (loss) for the period before taxes9903€14k€41k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€7k€31k▲
Profit (loss) for the period to be appropriated9905€7k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€38k▲
Profit (loss) brought forward from the previous period14P-€7k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (19 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
NBB filing
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, Kortrijk · 1 establishment unit since 2023
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.
Pijlstraat(Kor) 28500 KortrijkGround area
305 m²
Building footprint
247 m²
Volume, LiDAR
1,965 m³
Parcel 34354C0054/00N000, Flanders · tallest building 15.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Guiver Holding
since 20232.352.986.903
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0054/00N000 | Flanders | 304 m² | 1 · 247 m² | 15.4 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.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 37,892 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-12-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.