GUNICO
ActiveGUNICO has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €691k and a net result of €50k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-25
Solvency88▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.6 in 2024; short-term debt: 29% and cash: 2.6% of total assets), and 36.8% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
63.2%
Return on assets
4.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
28 d late
2023
28 d late
2022
14 d early
2021
25 d early
2020
17 d early
2019
8 d early
← 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, abbreviated schema
Equity
€691k▲ 7.9%
2024 · €640k
2018: €159k
2019: €164k
2020: €280k
2021: €376k
2022: €454k
2023: €539k
2024: €640k
2018 → 2025
Total assets
€1.09M▲ 10.3%
2024 · €991k
2018: €680k
2019: €742k
2020: €695k
2021: €857k
2022: €802k
2023: €817k
2024: €991k
2018 → 2025
Net result
€50k▼ 82.6%
2024 · €289k
2018: €4k
2019: €5k
2020: €116k
2021: €95k
2022: €78k
2023: €85k
2024: €289k
2018 → 2025
Working capital
€458k▲ 20.6%
2024 · €379k
2018: €-74k
2019: €-140k
2020: €-32k
2021: €-11k
2022: €62k
2023: €171k
2024: €379k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€376k-€454k▲ 20.8%€539k▲ 18.8%€640k▲ 18.7%€691k▲ 7.9%
Operating result€130k-€99k▼ 23.7%€116k▲ 17.2%€405k▲ 249%€84k▼ 79.3%
Net result€95k-€78k▼ 18.1%€85k▲ 9.3%€289k▲ 239%€50k▼ 82.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€318k▼ 15.2%
Current assets
€775k▲ 25.8%
Equity and liabilities €1.09M
Equity
€691k▲ 7.9%
Provisions
€62k▼ 0.5%
Debt
€340k▲ 18.0%
The debt ratio rises from 29.1% to 31.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€148k▼
2024 · €472k
Cash flow
€114k▼
2024 · €356k
Solvency
63.2%▼
2024 · 64.6%
Current ratio
2.44▼
2024 · 2.60
Quick ratio
1.76▼
2024 · 1.83
Debt / equity
0.49▲
2024 · 0.45
ROE
7.3%▼
2024 · 45.2%
ROA
4.6%▼
2024 · 29.2%
Interest coverage
7.61▼
2024 · 22.05
Debt
€340k▲
2024 · €288k
Debt ≤ 1 year
€317k▲
2024 · €237k
Debt > 1 year
€23k▼
2024 · €51k
Income taxes
€21k▼
2024 · €38k
Staff costs
€438k▼
2024 · €447k
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€991k€1.09M▲
Fixed assets21/28€375k€318k▼
Tangible fixed assets22/27€375k€318k▼
Plant, machinery and equipment23€92k€62k▼
Furniture and vehicles24€6k€3k▼
Other tangible fixed assets26€277k€253k▼
Financial fixed assets28€37-
Current assets29/58€616k€775k▲
Stocks and contracts in progress3€184k€215k▲
Stocks30/36€184k€215k▲
Amounts receivable within one year40/41€416k€528k▲
Trade receivables40€32k€31k▼
Other amounts receivable41€384k€497k▲
Cash at bank and in hand54/58€7k€28k▲
Deferred charges and accrued income490/1€9k€4k▼
Equity and liabilities
Total equity and liabilities10/49€991k€1.09M▲
Equity10/15€640k€691k▲
Contributions10/11€12k€12k=
Reserves13€629k€679k▲
Tax-exempt reserves132€188k€187k▼
Distributable reserves133€441k€492k▲
Provisions and deferred taxes16€63k€62k▼
Deferred taxes168€63k€62k▼
Amounts payable17/49€288k€340k▲
Amounts payable after more than one year17€51k€23k▼
Financial debts170/4€51k€23k▼
Amounts payable within one year42/48€237k€317k▲
Current portion of amounts payable after more than one year42€64k€29k▼
Financial debts43€38k-
Credit institutions430/8€38k-
Trade debts44€113k€214k▲
Suppliers440/4€113k€214k▲
Taxes, remuneration and social security45€20k€74k▲
Taxes450/3€280€2k▲
Remuneration and social security454/9€20k€72k▲
Other amounts payable47/48€2k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€251k€500▼
Remuneration, social security and pensions62€447k€438k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€64k▼
Other operating charges640/8€4k€7k▲
Non-recurring operating charges66A-€42k
Gross operating margin9900€922k€635k▼
Operating profit (loss)9901€405k€84k▼
Financial income75/76B€7k€7k▲
Recurring financial income75€7k€7k▲
Financial charges65/66B€21k€19k▼
Recurring financial charges65€21k€19k▼
Profit (loss) for the period before taxes9903€390k€71k▼
Transfer from deferred taxes780-€292
Transfer to deferred taxes680€63k-
Income taxes67/77€38k€21k▼
Profit (loss) for the period9904€289k€50k▼
Transfer from tax-exempt reserves789-€876
Transfer to tax-exempt reserves689€188k-
Profit (loss) for the period to be appropriated9905€101k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€51k▼
Transfer from equity791/2€73k-
Transfer to equity691/2€101k€51k▼
To other reserves6921€101k€51k▼
Profit to be distributed694/7€73k-
Return on contributions (dividend)694€73k-
Social balance
Average headcount (FTE)908710.410.6▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €289k ▲239%
Operating result €405k, net result €289k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Equity above €500kEq €539k ▲18.8%
6 profitable years in a row build equity to €539k.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €280k ▲71%
3 profitable years in a row build equity to €280k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 6 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Bocholt · 1 establishment unit since 1983
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.
Kaulillerdorp 403950 BocholtGround area
839 m²
Building footprint
558 m²
Volume, LiDAR
2,789 m³
Parcel 72016B0391/00W000, Flanders · tallest building 9.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Spar Kaulille
since 19832.022.256.394
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72016B0391/00W000 | Flanders | 838 m² | 1 · 558 m² | 9.5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 118 EUR awarded · 118 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 118 EUR | 118 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyBocholt2.022.256.394
Dual-learning approval
3 live approvalsOnthaal, organisatie en sales duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 2,714 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-04-1983
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47113Retail trade
52112
52113
Sources
Crossroads Bank for EnterprisesNational Bank · 43 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.