GUJAGO
ActiveGUJAGO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €-871. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 71% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-3
Solvency92▲+12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 0.95 in 2024; short-term debt: 14.4% and cash: 1.8% of total assets), and 33.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.8%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
34 d early
2023
23 d early
2022
139 d early
2021
23 d early
2020
30 d late
2019
66 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▼ 1.3%
2024 · €67k
2018: €32k
2019: €34k
2020: €36k
2021: €39k
2022: €50k
2023: €67k
2024: €67k
2018 → 2025
Total assets
€99k▼ 18.2%
2024 · €122k
2018: €72k
2019: €58k
2020: €59k
2021: €59k
2022: €63k
2023: €134k
2024: €122k
2018 → 2025
Net result
€-871
2024 · €2k
2018: €993
2019: €4k
2020: €2k
2021: €5k
2022: €13k
2023: €18k
2024: €2k
2018 → 2025
Working capital
€9k
2024 · €-1k
2018: €9k
2019: €10k
2020: €-6k
2021: €2k
2022: €16k
2023: €-12k
2024: €-1k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€50k▲ 28.7%€67k▲ 32.8%€67k▲ 0.4%€66k▼ 1.3%
Operating result€8k-€18k▲ 119%€26k▲ 39.8%€5k▼ 80.3%€1k▼ 77.3%
Net result€5k-€13k▲ 173%€18k▲ 41.4%€2k▼ 89.4%€-871
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 77% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99k
Fixed assets
€76k▼ 24.2%
Current assets
€23k▲ 9.9%
Equity and liabilities €99k
Equity
€66k▼ 1.3%
Debt
€33k▼ 39.2%
The debt ratio falls from 44.6% to 33.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €30k
Cash flow
€24k▼
2024 · €27k
Solvency
66.8%▲
2024 · 55.4%
Current ratio
1.63▲
2024 · 0.95
Quick ratio
1.63▲
2024 · 0.95
Debt / equity
0.50▼
2024 · 0.81
ROE
-1.3%▼
2024 · 2.9%
ROA
-0.9%▼
2024 · 1.6%
Interest coverage
14.75▲
2024 · 13.13
Debt
€33k▼
2024 · €54k
Debt ≤ 1 year
€14k▼
2024 · €22k
Debt > 1 year
€19k▼
2024 · €32k
Income taxes
€241▼
2024 · €836
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€122k€99k▼
Fixed assets21/28€100k€76k▼
Tangible fixed assets22/27€100k€76k▼
Land and buildings22€1k€1k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€72k€51k▼
Other tangible fixed assets26€25k€23k▼
Current assets29/58€21k€23k▲
Amounts receivable within one year40/41€19k€18k▼
Trade receivables40€16k€12k▼
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€2k€2k▲
Deferred charges and accrued income490/1€725€3k▲
Equity and liabilities
Total equity and liabilities10/49€122k€99k▼
Equity10/15€67k€66k▼
Contributions10/11€10k€10k=
Reserves13€43k€43k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€14k€14k▼
Amounts payable17/49€54k€33k▼
Amounts payable after more than one year17€32k€19k▼
Financial debts170/4€32k€19k▼
Amounts payable within one year42/48€22k€14k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€669€939▲
Suppliers440/4€669€939▲
Taxes, remuneration and social security45€7k-
Taxes450/3€3k-
Remuneration and social security454/9€5k-
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▲
Other operating charges640/8€701€789▲
Gross operating margin9900€31k€27k▼
Operating profit (loss)9901€5k€1k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€3k€-630▼
Income taxes67/77€836€241▼
Profit (loss) for the period9904€2k€-871▼
Profit (loss) for the period to be appropriated9905€2k€-871▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€14k▼
Profit (loss) brought forward from the previous period14P€14k€14k=
Transfer to equity691/2€263-
To other reserves6921€263-
Profit to be distributed694/7€2k-
Return on contributions (dividend)694€2k-
The notes to these accounts (9 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-871 ▼145%
Net result drops to €-871, the lowest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €18k ▲41.4%
Operating result €26k, net result €18k, both a record.
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 2.22
Current ratio from 1.10 to 2.22; short-term debt falls from €20k to €13k.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Evergem · 1 establishment unit since 2011
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.
Groentjen 439940 EvergemGround area
2,982 m²
Building footprint
239 m²
Volume, LiDAR
1,020 m³
Parcel 44302D1389/00E000, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
INSIDE HOUT
since 20112.202.218.714
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44302D1389/00E000 | Flanders | 2,982 m² | 1 · 238 m² | 7.9 m · 1 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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Schrijnwerk Jan Van de Walle
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Higgins Maatwerk
BE 0738.869.190
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NEYENS GEERT
BE 0469.570.268
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,593 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2011
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.