GURAYA
ActiveGURAYA has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €128. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 52% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability3▼-97
Solvency65▲+3
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.35 in 2024), and 63.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 47
Relative position
BE, all sectors
reference
Sector 47
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
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
36.2%
Return on assets
0.2%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €22k
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
16 d early
2023
8 d early
2022
6 d early
2021
5 d early
2020
25 d early
2019
17 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 0.6%
2024 · €22k
2018: €21k
2019: €21k
2020: €23k
2021: €24k
2022: €22k
2023: €16k
2024: €22k
2018 → 2025
Total assets
€61k▼ 4.4%
2024 · €64k
2018: €77k
2019: €102k
2020: €40k
2021: €47k
2022: €58k
2023: €61k
2024: €64k
2018 → 2025
Net result
€128▼ 97.9%
2024 · €6k
2018: €464
2019: €-122
2020: €2k
2021: €922
2022: €-2k
2023: €-6k
2024: €6k
2018 → 2025
Working capital
€16k▲ 8.1%
2024 · €15k
2018: €19k
2019: €34k
2020: €28k
2021: €23k
2022: €19k
2023: €14k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€22k▼ 7.5%€16k▼ 26.8%€22k▲ 36.8%€22k▲ 0.6%
Operating result€2k-€350▼ 84.0%€-4k€9k€2k▼ 74.4%
Net result€922-€-2k€-6k▼ 229%€6k€128▼ 97.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 74% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€6k▼ 14.4%
Current assets
€55k▼ 3.1%
Equity and liabilities €61k
Equity
€22k▲ 0.6%
Debt
€39k▼ 7.0%
The debt ratio falls from 65.6% to 63.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€3k▼
2024 · €9k
Cash flow
€1k▼
2024 · €6k
Solvency
36.2%▲
2024 · 34.4%
Current ratio
1.40▲
2024 · 1.35
Quick ratio
0.01▼
2024 · 0.03
Debt / equity
1.76▼
2024 · 1.91
ROE
0.6%▼
2024 · 26.9%
ROA
0.2%▼
2024 · 9.3%
Interest coverage
2.09▼
2024 · 6.06
Debt
€39k▼
2024 · €42k
Debt ≤ 1 year
€39k▼
2024 · €42k
Income taxes
€573▼
2024 · €2k
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€64k€61k▼
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€5k€4k▼
Financial fixed assets28€2k€2k=
Current assets29/58€57k€55k▼
Stocks and contracts in progress3€56k€55k▼
Stocks30/36€56k€55k▼
Amounts receivable within one year40/41€526€0▼
Other amounts receivable41€526€0▼
Cash at bank and in hand54/58€169€227▲
Deferred charges and accrued income490/1€572€0▼
Equity and liabilities
Total equity and liabilities10/49€64k€61k▼
Equity10/15€22k€22k▲
Contributions10/11€19k€19k=
Reserves13€4k€4k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€2k€2k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€42k€39k▼
Amounts payable within one year42/48€42k€39k▼
Financial debts43€13k€14k▲
Credit institutions430/8€13k€14k▲
Trade debts44€524€807▲
Suppliers440/4€524€807▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€27k€21k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3€1k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€14k€7k▼
Operating profit (loss)9901€9k€2k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€8k€701▼
Income taxes67/77€2k€573▼
Profit (loss) for the period9904€6k€128▼
Profit (loss) for the period to be appropriated9905€6k€128▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€128▼
Profit (loss) brought forward from the previous period14P€-4k€0▲
Transfer from equity791/2€0-
Transfer to equity691/2€2k€128▼
To other reserves6921€2k€128▼
The notes to these accounts (7 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.20
Current ratio from 1.51 to 4.20; short-term debt falls from €66k to €9k.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Peer · 2 establishment units since 2014
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.
Kiezel Kleine Brogel 913990 PeerGround area
1,586 m²
Building footprint
551 m²
Volume, LiDAR
3,043 m³
3 parcels, Flanders · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Guraya
since 20142.234.972.347
Guraya
since 20172.261.321.507
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72001C0237/00H000 | Flanders | 796 m² | 1 · 117 m² | 11.5 m · 3 fl. |
| 72019B0521/00P000 | Flanders | 575 m² | 1 · 352 m² | 11.4 m · 1 fl. |
| 72019B0521/00F002 | Flanders | 215 m² | 1 · 82 m² | 14.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesHamont-Achel2.261.321.507
Peer2.234.972.347
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Of 10,411 companies in sector 47110 we hold annual accounts for 5,787. 4,176 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-09-2014
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.