GURO CONSULTING
ActiveGURO CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For GURO CONSULTING, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €112k and a net result of €14k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 87% of 3115 sector peers (fiscal year 2023). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: At least two filing cycles are missing
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline23-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 28-08-2024, 28 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
not confirmed
2024
not filed
2023
28 d late
2022
on the day
2021
on the day
2020
61 d late
2019
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€112k▲ 14.7%
2022 · €98k
2018: €56k
2019: €57k
2020: €77k
2021: €92k
2022: €98k
2018 → 2023
Net result
€14k▲ 128%
2022 · €6k
2018: €4k
2019: €354
2020: €21k
2021: €14k
2022: €6k
2018 → 2023
Total assets
€131k▲ 5.4%
2022 · €124k
2018: €67k
2019: €73k
2020: €127k
2021: €143k
2022: €124k
2018 → 2023
Solvency
86.0%▲ 7.0pp
2022 · 79.0%
2018: 84.1%
2019: 77.4%
2020: 61.0%
2021: 63.9%
2022: 79.0%
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€57k-€77k▲ 36.6%€92k▲ 18.5%€98k▲ 6.9%€112k▲ 14.7%
Operating result€4k-€31k▲ 750%€22k▼ 27.8%€14k▼ 37.0%€25k▲ 80.6%
Net result€354-€21k▲ 5,755%€14k▼ 30.9%€6k▼ 55.9%€14k▲ 128%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2023; 2023 is 81% above 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €131k
Fixed assets
€16k▼ 31.5%
Current assets
€115k▲ 13.8%
Equity and liabilities €131k
Equity
€112k▲ 14.7%
Debt
€18k▼ 29.7%
The debt ratio falls from 21.0% to 14.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
86.0%▲
2022 · 79.0%
ROE
12.8%▲
2022 · 6.4%
ROA
11.0%▲
2022 · 5.1%
Debt
€18k▼
2022 · €26k
Debt ≤ 1 year
€16k▼
2022 · €24k
Income taxes
€11k▲
2022 · €7k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€124k€131k▲
Fixed assets21/28€23k€16k▼
Tangible fixed assets22/27€23k€16k▼
Furniture and vehicles24€23k€16k▼
Current assets29/58€101k€115k▲
Amounts receivable within one year40/41€101k€115k▲
Trade receivables40€35€7k▲
Other amounts receivable41€101k€108k▲
Cash at bank and in hand54/58€110€65▼
Deferred charges and accrued income490/1€134€174▲
Equity and liabilities
Total equity and liabilities10/49€124k€131k▲
Equity10/15€98k€112k▲
Contributions10/11€6k€6k=
Reserves13€45k€59k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€43k€57k▲
Profit (loss) carried forward14€47k€47k=
Amounts payable17/49€26k€18k▼
Amounts payable after more than one year17€849-
Financial debts170/4€849-
Amounts payable within one year42/48€24k€16k▼
Current portion of amounts payable after more than one year42€10k€10k▼
Trade debts44€3k€685▼
Suppliers440/4€3k€685▼
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€7k€2k▼
Other amounts payable47/48€4k€4k=
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€770€626▼
Gross operating margin9900€25k€37k▲
Operating profit (loss)9901€14k€25k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€364€313▼
Recurring financial charges65€364€313▼
Profit (loss) for the period before taxes9903€14k€25k▲
Income taxes67/77€7k€11k▲
Profit (loss) for the period9904€6k€14k▲
Profit (loss) for the period to be appropriated9905€6k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€61k▲
Profit (loss) brought forward from the previous period14P€47k€47k▲
Transfer to equity691/2€6k€14k▲
To other reserves6921€6k€14k▲
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
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Equity above €100kEq €112k ▲14.7%
6 profitable years in a row build equity to €112k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Highest result since 2018net €21k ▲5755%
Operating result €31k, net result €21k, both a record.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Weakest financial yearnet €354 ▼90.7%
Net result drops to €354, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 50 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
2015
26-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 26 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, Knokke-Heist · 1 establishment unit since 2011
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.
Lippenslaan 2378300 Knokke-HeistGround area
376 m²
Building footprint
336 m²
Volume, LiDAR
4,670 m³
Parcel 31013A0925/00B000, Flanders · tallest building 27.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Guro Consulting
since 20112.204.668.260
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0925/00B000 | Flanders | 376 m² | 1 · 336 m² | 27.2 m · 6 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.
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Of 238 companies in sector 66290 we hold annual accounts for 146. 113 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-11-2011
Fiscal year end31-12
Activities, NACEBEL
66290Activities auxiliary to financial services and insurance activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.