GURU
ActiveSummary
GURU has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153,293 and a net result of €57,322. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 84% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+14
Solvency100▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 1.99 against 1.15 in 2024; short-term debt: 24.3% and cash: 0.8% of total assets), and 24.3% of the assets are financed with debt.
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Signals
Six 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
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
75.7%
Return on assets
28.3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
8 d early
2023
15 d early
2022
26 d early
2021
108 d late
2020
29 d late
2019
53 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 24 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 23 July (4 of the last 5 filed years within 36 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€153,293▲ 32.2%
2024 · €115,971
Total assets
€202,380▲ 13.3%
2024 · €178,564
Net result
€57,322▲ 128%
2024 · €25,165
Working capital
€48,471▲ 439%
2024 · €8,996
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€31,588▲ 65.5%€7,968▼ 74.8%€17,516▲ 120%€29,545▲ 68.7%€69,870▲ 136%
Net result€25,277above the sector's middle half▲ 104%€2,751within the sector's middle half▼ 89.1%€10,073within the sector's middle half▲ 266%€25,165above the sector's middle half▲ 150%€57,322above the sector's middle half▲ 128%
Equity€85,482within the sector's middle half▲ 21.8%€88,233within the sector's middle half▲ 3.2%€98,306within the sector's middle half▲ 11.4%€115,971within the sector's middle half▲ 18.0%€153,293above the sector's middle half▲ 32.2%
Total assets€118,513within the sector's middle half▲ 19.9%€165,562within the sector's middle half▲ 39.7%€113,465within the sector's middle half▼ 31.5%€178,564within the sector's middle half▲ 57.4%€202,380within the sector's middle half▲ 13.3%
Debt€33,031▲ 15.5%€77,329▲ 134%€15,159▼ 80.4%€62,593▲ 313%€49,086▼ 21.6%
Working capital€11,633within the sector's middle half€10,854within the sector's middle half▼ 6.7%€18,103within the sector's middle half▲ 66.8%€8,996within the sector's middle half▼ 50.3%€48,471within the sector's middle half▲ 439%
Solvency72.1%above the sector's middle half▲ 1.1pp53.3%within the sector's middle half▼ 18.8pp86.6%above the sector's middle half▲ 33.3pp64.9%above the sector's middle half▼ 21.7pp75.7%above the sector's middle half▲ 10.8pp
Current ratio1.37within the sector's middle half▲ 0.461.14within the sector's middle half▼ 0.232.19within the sector's middle half▲ 1.051.15within the sector's middle half▼ 1.051.99within the sector's middle half▲ 0.84
Return on assets (ROA)21.3%above the sector's middle half▲ 8.8pp1.7%within the sector's middle half▼ 19.7pp8.9%within the sector's middle half▲ 7.2pp14.1%above the sector's middle half▲ 5.2pp28.3%above the sector's middle half▲ 14.2pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 136% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €202,380
Fixed assets
€104,822 ▼ 3.8%
Current assets
€97,557 ▲ 40.2%
Equity and liabilities €202,380
Equity
€153,293 ▲ 32.2%
Debt
€49,086 ▼ 21.6%
Debt's share of the balance-sheet total falls from 35.1% to 24.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€84,268▲
2024 · €41,008
Cash flow
€71,720▲
2024 · €36,628
Quick ratio
1.55▲
2024 · 1.01
Debt to equity
0.32▼
2024 · 0.54
ROE
37.4%▲
2024 · 21.7%
Interest coverage
676.79▲
2024 · 173.21
Debt ≤ 1 year
€49,086▼
2024 · €60,593
Income taxes
€12,478▲
2024 · €5,143
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,696 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.7%
went bankrupt
3.9%
stopped otherwise
95%
still going
For this company itself Checked computes a higher bankruptcy probability: 1.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 34,696 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,189 | €5,266 | €6,488 | €11,463 | €14,398 | ▲ 25.6% |
| Other operating charges640/8 | €5,710 | €9,669 | €6,970 | €6,066 | €5,236 | ▼ 13.7% |
| Gross operating margin9900 | €40,488 | €22,903 | €30,974 | €47,074 | €89,504 | ▲ 90.1% |
| Operating profit (loss)9901 | €31,588 | €7,968 | €17,516 | €29,545 | €69,870 | ▲ 136% |
| Financial income75/76B | €1,143 | €1,078 | €811 | €1,000 | €55 | ▼ 94.5% |
| Recurring financial income75 | €1,143 | €1,078 | €811 | €1,000 | €55 | ▼ 94.5% |
| Financial charges65/66B | €1,742 | €2,302 | €3,244 | €237 | €125 | ▼ 47.4% |
| Recurring financial charges65 | €1,742 | €2,302 | €3,244 | €237 | €125 | ▼ 47.4% |
| Profit (loss) for the period before taxes9903 | €30,990 | €6,744 | €15,084 | €30,308 | €69,800 | ▲ 130% |
| Income taxes67/77 | €5,713 | €3,993 | €5,011 | €5,143 | €12,478 | ▲ 143% |
| Profit (loss) for the period9904 | €25,277 | €2,751 | €10,073 | €25,165 | €57,322 | ▲ 128% |
| Profit (loss) for the period to be appropriated9905 | €25,277 | €2,751 | €10,073 | €25,165 | €57,322 | ▲ 128% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €118,513 | €165,562 | €113,465 | €178,564 | €202,380 | ▲ 13.3% |
| Fixed assets21/28 | €75,725 | €77,379 | €80,203 | €108,975 | €104,822 | ▼ 3.8% |
| Tangible fixed assets22/27 | €70,400 | €72,279 | €75,103 | €103,875 | €99,722 | ▼ 4.0% |
| Land and buildings22 | €63,526 | €61,260 | €58,994 | €56,728 | €54,463 | ▼ 4.0% |
| Furniture and vehicles24 | €5,631 | €7,032 | €11,276 | €19,217 | €14,830 | ▼ 22.8% |
| Other tangible fixed assets26 | €1,242 | €3,986 | €4,832 | €27,929 | €30,429 | ▲ 9.0% |
| Financial fixed assets28 | €5,325 | €5,100 | €5,100 | €5,100 | €5,100 | = |
| Current assets29/58 | €42,789 | €88,184 | €33,262 | €69,589 | €97,557 | ▲ 40.2% |
| Amounts receivable after more than one year29 | - | - | - | - | €56,500 | - |
| Other amounts receivable291 | - | - | - | - | €56,500 | - |
| Stocks and contracts in progress3 | €17,631 | €16,308 | €18,303 | €8,445 | €21,579 | ▲ 156% |
| Stocks30/36 | €17,631 | €16,308 | €18,303 | €8,445 | €21,579 | ▲ 156% |
| Amounts receivable within one year40/41 | €20,040 | €64,019 | €9,039 | €51,207 | €11,792 | ▼ 77.0% |
| Trade receivables40 | €8,130 | €44,621 | €1,393 | €31,385 | €9 | ▼ 100.0% |
| Other amounts receivable41 | €11,910 | €19,397 | €7,646 | €19,822 | €11,784 | ▼ 40.6% |
| Cash at bank and in hand54/58 | €4,932 | €6,108 | €2,461 | €9,596 | €1,571 | ▼ 83.6% |
| Deferred charges and accrued income490/1 | €186 | €1,749 | €3,459 | €340 | €6,115 | ▲ 1,699% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €118,513 | €165,562 | €113,465 | €178,564 | €202,380 | ▲ 13.3% |
| Equity10/15 | €85,482 | €88,233 | €98,306 | €115,971 | €153,293 | ▲ 32.2% |
| Contributions10/11 | €11,700 | €11,700 | €11,700 | €11,700 | €11,700 | = |
| Reserves13 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Non-distributable reserves130/1 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Reserves not available under the articles1311 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Profit (loss) carried forward14 | €71,882 | €74,633 | €84,706 | €102,371 | €139,693 | ▲ 36.5% |
| Amounts payable17/49 | €33,031 | €77,329 | €15,159 | €62,593 | €49,086 | ▼ 21.6% |
| Amounts payable within one year42/48 | €31,156 | €77,329 | €15,159 | €60,593 | €49,086 | ▼ 19.0% |
| Trade debts44 | €3,553 | €13,714 | €5,735 | €8,392 | €5,682 | ▼ 32.3% |
| Suppliers440/4 | €3,553 | €13,714 | €5,735 | €8,392 | €5,682 | ▼ 32.3% |
| Advances received on contracts in progress46 | - | €41,249 | - | €33,372 | - | - |
| Taxes, remuneration and social security45 | €17,603 | €12,366 | €8,391 | €11,329 | €22,378 | ▲ 97.5% |
| Taxes450/3 | €16,947 | €11,056 | €8,391 | €11,329 | €18,728 | ▲ 65.3% |
| Remuneration and social security454/9 | €656 | €1,310 | - | - | €3,650 | - |
| Other amounts payable47/48 | €10,000 | €10,000 | €1,033 | €7,500 | €21,026 | ▲ 180% |
| Accrued charges and deferred income492/3 | €1,875 | - | - | €2,000 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €25,277 | €2,751 | €10,073 | €25,165 | €57,322 | ▲ 128% |
| + Depreciation and write-downs630 | €3,189 | €5,266 | €6,488 | €11,463 | €14,398 | ▲ 25.6% |
| Operating cash flow (approximation) | €28,466 | €8,017 | €16,560 | €36,628 | €71,720 | ▲ 95.8% |
| Investment in fixed assets (approximation) | - | -€6,920 | -€9,311 | -€40,235 | -€10,245 | ▲ 74.5% |
| Change in cash | - | €1,176 | -€3,647 | €7,135 | -€8,025 | ▼ 212% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €57,322 ▲128%
Operating result €69,870, net result €57,322, both a record.
31-12
Financial
Equity above €150,000Eq €153,293 ▲32.2%
8 profitable years in a row build equity to €153,293.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100,000Eq €115,971 ▲18%
7 profitable years in a row build equity to €115,971.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €2,751 ▼89.1%
Net result drops to €2,751, the lowest in the series; recovery starts the following year.
16-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 108 days late
2021
29-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 53 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Brussel · 2 establishment units since 2007
Ground area
225 m²
Building footprint
115 m²
Volume, LiDAR
903 m³
2 parcels, Brussels · tallest building 17.8 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
GURU
since 20072.164.225.396
GURU
since 20142.232.122.527
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0339/00Z019 | Brussels | 192 m² | 1 · 115 m² | 17.8 m · 1 fl. |
| 21807G0094/00F000 | Brussels | 33 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 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 sitesElsene2.232.122.527
Brussel2.164.225.396
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ABM DISTRIBUTION
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Lotana
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TREEVIEW
BE 0860.553.217
Brugge · Eq €155,033
Of 12,955 companies in sector 47120 we hold annual accounts for 2,193. 1,453 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-06-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
E-invoicing
Reachable via Peppol
Peppol ID
0208:0890460790
Also
9925:BE0890460790
Registered
27-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.