GURNANAK
ActiveGURNANAK has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-1k) and a net result of €-12k. Equity is shrinking by ~38.2% per year across the filed fiscal years. Its solvency ranks better than 17% of 2514 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency22▼-33
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.72 against 1.16 in 2024; short-term debt: 102.9% and cash: 59.9% of total assets), and equity is negative.
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 · 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
-2.9%
Return on assets
-28.1%
Age of the figures
9 mo
lowers risk · 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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
18192122232425
2018 to 2025 · latest year €-1k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 8 filingsDeviation from the deadline
2025
10 d late
2024
21 d late
2023
31 d late
2022
30 d late
2021
30 d late
2020
19 d early
2019
16 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€161k
EBIT margin
-7.0%
Net result
€-12k
2024 · €16k
2018: €6k
2019: €-14k
2021: €-4k
2022: €-3k
2023: €-9k
2024: €16k
2018 → 2025
Working capital
€-12k
2024 · €4k
2018: €6k
2019: €-6k
2021: €-11k
2022: €-10k
2023: €-15k
2024: €4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€161k
Equity€7k-€4k▼ 43.3%€-6k€10k€-1k
Operating result€-3k-€-2k▲ 25.3%€-7k▼ 181%€21k€-11k
Net result€-4k-€-3k▲ 26.2%€-9k▼ 224%€16k€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €21k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€11k▲ 64.3%
Current assets
€31k▲ 9.8%
Key figures and ratios
Solvency
-2.9%▼
2024 · 30.3%
Current ratio
0.72▼
2024 · 1.16
Quick ratio
0.72▼
2024 · 1.16
Debt / equity
-35.97▼
2024 · 2.30
ROA
-28.1%▼
2024 · 46.4%
Debt
€43k▲
2024 · €24k
Debt ≤ 1 year
€43k▲
2024 · €24k
Staff costs
€41k▼
2024 · €44k
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€35k€42k▲
Fixed assets21/28€7k€11k▲
Intangible fixed assets21€4k€4k=
Tangible fixed assets22/27€639€5k▲
Plant, machinery and equipment23€639€5k▲
Financial fixed assets28€2k€2k=
Current assets29/58€28k€31k▲
Amounts receivable within one year40/41€8k€6k▼
Trade receivables40€3k-
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€20k€25k▲
Equity and liabilities
Total equity and liabilities10/49€35k€42k▲
Equity10/15€10k€-1k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-12k€-23k▼
Amounts payable17/49€24k€43k▲
Amounts payable within one year42/48€24k€43k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€21k€41k▲
Taxes450/3€12k€11k▼
Remuneration and social security454/9€9k€30k▲
Income statement
Code20242025
Turnover70-€161k
Goods, raw materials, services and sundry goods60/61-€139k
Remuneration, social security and pensions62€44k€41k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k-
Other operating charges640/8€505€2k▲
Gross operating margin9900€68k€32k▼
Operating profit (loss)9901€21k€-11k▼
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€479€370▼
Recurring financial charges65€479€370▼
Profit (loss) for the period before taxes9903€21k€-12k▼
Income taxes67/77€5k-
Profit (loss) for the period9904€16k€-12k▼
Profit (loss) for the period to be appropriated9905€16k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-23k▼
Profit (loss) brought forward from the previous period14P€-28k€-12k▲
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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after 4 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.16
Current ratio from 0.37 to 1.16.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
06-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 190 days late
2019
31-12
Financial
Weakest financial yearnet €-14k ▼351%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
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, Brecht · 1 establishment unit since 2017
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.
Oostmalsebaan 1C2960 BrechtGround area
1.0 ha
Building footprint
4,582 m²
Volume, LiDAR
34,724 m³
Parcel 11043D0669/00D000, Flanders · tallest building 8.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GURNANAK
since 20172.270.448.019
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11043D0669/00D000 | Flanders | 1.0 ha | 1 · 4,582 m² | 8.7 m · 3 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.
Similar companies · same sector, comparable size
REBELL
BE 0785.594.486
Brussel · Eq €11k
JA BUSINESS
BE 0728.456.736
Charleroi · Eq €10k
ANLIKAS
BE 0758.797.742
Waregem · Eq €10k
FLEXICLEANING
BE 1002.173.217
Antwerpen · Eq €11k
MOBILE CLEAN
BE 0802.891.764
Gent · Eq €10k
Of 3,209 companies in sector 95316 we hold annual accounts for 753. 473 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2017
Fiscal year end31-12
Activities, NACEBEL
95316Washing and cleaning of motor vehicles
47820Retail sale of motor vehicle parts and accessories
47783Retail trade
47784Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.