GUMA METAAL
ActiveThe computed 12-month bankruptcy probability of GUMA METAAL is 1.8% (moderate). The 2025 annual accounts show negative equity (€-65k) and a net result of €-8k. Equity is shrinking by ~31.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 27711 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
22
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▲+11
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.57 against 0.54 in 2024; short-term debt: 165.4% and cash: 1.6% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 →
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
-65.4%
Return on assets
-8.1%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-65k
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 07-07-2026, 24 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
24 d early
2024
29 d early
2023
28 d early
2022
18 d early
2021
31 d early
2020
30 d early
2019
11 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-65k▼ 14.1%
2024 · €-57k
2019: €33k
2020: €69k
2021: €70k
2022: €-38k
2023: €-42k
2024: €-57k
2019 → 2025
Total assets
€100k▲ 5.0%
2024 · €95k
2019: €125k
2020: €216k
2021: €211k
2022: €92k
2023: €126k
2024: €95k
2019 → 2025
Net result
€-8k▲ 47.5%
2024 · €-15k
2019: €14k
2020: €37k
2021: €907
2022: €-108k
2023: €-4k
2024: €-15k
2019 → 2025
Working capital
€-71k▼ 4.1%
2024 · €-68k
2019: €33k
2020: €9k
2021: €34k
2022: €-60k
2023: €-62k
2024: €-68k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€-38k€-42k▼ 10.4%€-57k▼ 36.9%€-65k▼ 14.1%
Operating result€6k-€-104k€2k€-11k€-3k▲ 71.5%
Net result€907-€-108k€-4k▲ 96.3%€-15k▼ 290%€-8k▲ 47.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€6k▼ 59.4%
Current assets
€94k▲ 16.1%
Key figures and ratios
EBITDA
€5k▲
2024 · €3k
Cash flow
€190▲
2024 · €-1k
Solvency
-65.4%▼
2024 · -60.1%
Current ratio
0.57▲
2024 · 0.54
Quick ratio
0.26▼
2024 · 0.49
Debt / equity
-2.53▲
2024 · -2.66
ROA
-8.1%▲
2024 · -16.2%
Interest coverage
1.04▲
2024 · 0.70
Debt
€165k▲
2024 · €152k
Debt ≤ 1 year
€165k▲
2024 · €149k
Debt > 1 year
€0▼
2024 · €3k
Staff costs
€33k▲
2024 · €24k
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€95k€100k▲
Fixed assets21/28€14k€6k▼
Tangible fixed assets22/27€14k€6k▼
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€3k€0▼
Other tangible fixed assets26€2k€0▼
Financial fixed assets28€80€80=
Current assets29/58€81k€94k▲
Stocks and contracts in progress3€9k€52k▲
Stocks30/36€9k€52k▲
Contracts in progress37€0-
Amounts receivable within one year40/41€42k€40k▼
Trade receivables40€31k€35k▲
Other amounts receivable41€10k€5k▼
Cash at bank and in hand54/58€31k€2k▼
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€95k€100k▲
Equity10/15€-57k€-65k▼
Contributions10/11€19k€19k=
Reserves13€52k€52k=
Distributable reserves133€52k€52k=
Profit (loss) carried forward14€-127k€-135k▼
Amounts payable17/49€152k€165k▲
Amounts payable after more than one year17€3k€0▼
Financial debts170/4€3k€0▼
Amounts payable within one year42/48€149k€165k▲
Current portion of amounts payable after more than one year42€5k€3k▼
Financial debts43€50k€50k=
Credit institutions430/8€50k€50k=
Trade debts44€22k€28k▲
Suppliers440/4€22k€28k▲
Taxes, remuneration and social security45€4k€12k▲
Taxes450/3-€3k
Remuneration and social security454/9€4k€8k▲
Other amounts payable47/48€69k€72k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€24k€33k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€8k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€29k€39k▲
Operating profit (loss)9901€-11k€-3k▲
Financial income75/76B€402€15▼
Recurring financial income75€402€15▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€-15k€-8k▲
Profit (loss) for the period9904€-15k€-8k▲
Profit (loss) for the period to be appropriated9905€-15k€-8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-127k€-135k▼
Profit (loss) brought forward from the previous period14P€-112k€-127k▼
The notes to these accounts (8 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-108k ▼12001%
Net result drops to €-108k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €37k ▲161%
Operating result €46k, net result €37k, both a record.
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2018
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.
Kruisbessenlaan(MEL) 289120 Beveren-Kruibeke-ZwijndrechtGround area
1,315 m²
Building footprint
645 m²
Volume, LiDAR
1,096 m³
2 parcels, Flanders · tallest building 35.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GUMA METAAL
since 20182.281.002.015
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46503C1350/00V000 | Flanders | 958 m² | 1 · 534 m² | 35.2 m |
| 46016D0121/00G000 | Flanders | 357 m² | 1 · 111 m² | 10.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,624 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2018
Fiscal year end31-12
Activities, NACEBEL
25120Manufacture of fabricated metal products, except machinery and equipment
43320Joinery installation
25110Manufacture of metal structures and parts of structures
25401Forging of metal
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.