GURAYA

Active

Private limited companyfounded 199530 yrs activeTiensesteenweg 344, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0456.395.886

GURAYA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-13k) and a net result of €533. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 3540 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).

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Checked score

Score 2024

3 / 100

Critical▼ -13 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0=

Solvency36▼-3

Growth39▼-17

Stability100

Bankruptcy probability, 12 months

0.5% Very low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.6 against 0.74 in 2023), and equity is negative.

How do we compute the score and the probability?

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

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 2024

Solvency, return and age of the figures

Solvency

-36.7%

Return on assets

1.5%

Age of the figures

20 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 95

Relative position

BE, all sectors

reference

Sector 95

lower

← fewer bankruptcies more bankruptcies →

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 3540 sector peers (2024).

NBB · sector comparison

Position among 3540 sector peers

Solvency

better than 12%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-07-2025, 8 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

8 d early

2023

37 d early

2022

4 d late

2021

2 d late

2020

45 d early

2019

13 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€256k▲ 5.8%

2019 · €242k

2019: €242k

2019 → 2020

EBIT margin

-2.7%▲ 6.5pp

2019 · -9.2%

2019: -9.2%

2019 → 2020

Net result

€533▼ 96.9%

2023 · €17k

2018: €771 2019: €-25k 2020: €-10k 2021: €-23k 2022: €14k 2023: €17k

2018 → 2024

Working capital

€-19k▼ 5.8%

2023 · €-18k

2018: €3k 2019: €-21k 2020: €-29k 2021: €-51k 2022: €-36k 2023: €-18k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Turnover€256k-

Equity€-22k-€-44k▼ 104%€-30k▲ 31.3%€-13k▲ 55.9%€-13k▲ 4.0%

Operating result€-7k-€-18k▼ 162%€16k€19k▲ 17.5%€3k▼ 86.7%

Net result€-10k-€-23k▼ 121%€14k€17k▲ 22.6%€533▼ 96.9%

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 falls in 2024; 2024 is 87% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €35k

18.1%

81.9%

Fixed assets €6k▲ 33.5%

Current assets €29k▼ 43.4%

Key figures and ratios

2024 value · change against 2023

EBITDA

€3k▼

2023 · €20k

Cash flow

€1k▼

2023 · €18k

Solvency

-36.7%▼

2023 · -24.2%

Current ratio

0.60▼

2023 · 0.74

Quick ratio

0.21▼

2023 · 0.37

Debt / equity

-3.72▲

2023 · -5.14

ROE

-4.2%▲

2023 · -126.9%

ROA

1.5%▼

2023 · 30.7%

Interest coverage

1.60▼

2023 · 9.28

Debt

€48k▼

2023 · €69k

Debt ≤ 1 year

€48k▼

2023 · €69k

Staff costs

€186▲

2023 · €-139

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€55k€35k▼

Fixed assets21/28€5k€6k▲

Tangible fixed assets22/27€3k€4k▲

Plant, machinery and equipment23€3k€4k▲

Financial fixed assets28€2k€2k=

Current assets29/58€51k€29k▼

Stocks and contracts in progress3€25k€19k▼

Stocks30/36€25k€19k▼

Amounts receivable within one year40/41€2k€2k▲

Trade receivables40€1k€1k▼

Other amounts receivable41€637€849▲

Cash at bank and in hand54/58€24k€8k▼

Equity and liabilities

Total equity and liabilities10/49€55k€35k▼

Equity10/15€-13k€-13k▲

Contributions10/11€19k€19k=

Reserves13€2k€2k=

Distributable reserves133€2k€2k=

Profit (loss) carried forward14€-34k€-34k▲

Amounts payable17/49€69k€48k▼

Amounts payable within one year42/48€69k€48k▼

Trade debts44€3k€162▼

Suppliers440/4€3k€162▼

Taxes, remuneration and social security45€40k€42k▲

Taxes450/3€3k€92▼

Remuneration and social security454/9€37k€42k▲

Other amounts payable47/48€25k€5k▼

Income statement Code20232024

Non-recurring operating income76A-€4k

Remuneration, social security and pensions62€-139€186▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€800€678▼

Other operating charges640/8€1k€2k▲

Gross operating margin9900€21k€6k▼

Operating profit (loss)9901€19k€3k▼

Financial income75/76B€1€5▲

Recurring financial income75€1€5▲

Financial charges65/66B€2k€2k▼

Recurring financial charges65€2k€2k▼

Profit (loss) for the period before taxes9903€17k€533▼

Profit (loss) for the period9904€17k€533▼

Profit (loss) for the period to be appropriated9905€17k€533▼

Appropriation of the result

Profit (loss) to be appropriated9906€-34k€-34k▲

Profit (loss) brought forward from the previous period14P€-51k€-34k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

2025

23-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

24-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Highest result since 2018net €17k ▲22.6%

Operating result €19k, net result €17k, both a record.

04-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 4 days late

2022

31-12

Financial Back to profitnet €14k

Net result €14k after 3 loss-making years.

02-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 2 days late

2021

16-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

13-08

NBB filing Annual accounts filed

fiscal year 2019 · abbreviated schema · 13 days late

2019

31-12

Financial Weakest financial yearnet €-25k ▼3313%

Net result drops to €-25k, the lowest in the series; recovery starts the following year.

28-08

NBB filing Annual accounts filed

fiscal year 2018 · abbreviated schema · 28 days late

2018

03-08

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema · 3 days late

2017

20-07

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

29-07

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

5 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, Sint-Truiden · 1 establishment unit since 1995

establishment approximate The establishment unit on the map

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.

Tiensesteenweg 3443800 Sint-Truiden

Ground area

93 m²

Building footprint

49 m²

Parcel 71353F0057/00H000, Flanders. Linked by address, not a title deed.

1 establishment unit

GURAYA Handcarwash

Tiensesteenweg 344, 3800 Sint-TruidenNACE 45206

since 19952.074.101.213

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71353F0057/00H000indicative	Flanders	93 m²	1 · 49 m²	-

Linked by address, not proof of ownership

Methodology

via registered seat: 1

0 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Public money · subsidies and aid

Flemish government

2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid

Year	Entries	awarded	paid
2023	1	2,000 EUR	2,000 EUR

Schemes

Hinderpremie bij openbare werken

1 entry · 2,000 EUR · 2,000 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Spotless mobiele carwash

Sint-Pieters-Leeuw · Eq €13k

Grâce-Hollogne · Eq €13k

Of 3,209 companies in sector 95316 we hold annual accounts for 753. 496 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded27-10-1995

Fiscal year end31-12

Activities, NACEBEL

95316Washing and cleaning of motor vehicles

Sources

Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.