GUTS & C° is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €100k and a net result of €21k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 8006 sector peers (fiscal year 2025). The company has been active since 2010 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
8 d late
2021
15 d early
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▼ 20.7%
2024 · €126k
2018: €47k
2019: €71k
2020: €48k
2021: €48k
2022: €48k
2023: €74k
2024: €126k
2018 → 2025
Net result
€21k▼ 59.5%
2024 · €52k
2018: €26k
2019: €24k
2020: €27k
2021: €28k
2022: €32k
2023: €26k
2024: €52k
2018 → 2025
Total assets
€200k▲ 21.2%
2024 · €165k
2018: €84k
2019: €93k
2020: €96k
2021: €97k
2022: €102k
2023: €114k
2024: €165k
2018 → 2025
Solvency
49.9%▼ 26.4pp
2024 · 76.3%
2018: 55.7%
2019: 76.3%
2020: 50.1%
2021: 49.8%
2022: 47.4%
2023: 64.8%
2024: 76.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€48k=€74k▲ 53.6%€126k▲ 70.3%€100k▼ 20.7%
Operating result€37k-€42k▲ 15.1%€38k▼ 10.7%€73k▲ 92.8%€28k▼ 61.8%
Net result€28k-€32k▲ 17.4%€26k▼ 20.0%€52k▲ 102%€21k▼ 59.5%
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 62% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €200k
Fixed assets
€5k▼ 45.2%
Current assets
€195k▲ 25.1%
Equity and liabilities €200k
Equity
€100k▼ 20.7%
Debt
€100k▲ 156%
The debt ratio rises from 23.7% to 50.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
49.9%▼
2024 · 76.3%
ROE
21.1%▼
2024 · 41.3%
ROA
10.5%▼
2024 · 31.5%
Debt
€100k▲
2024 · €39k
Debt ≤ 1 year
€100k▲
2024 · €39k
Income taxes
€11k▼
2024 · €23k
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€165k€200k▲
Fixed assets21/28€9k€5k▼
Tangible fixed assets22/27€9k€5k▼
Furniture and vehicles24€3k€399▼
Other tangible fixed assets26€6k€5k▼
Current assets29/58€156k€195k▲
Amounts receivable after more than one year29€1k€712▼
Other amounts receivable291€1k€712▼
Amounts receivable within one year40/41€144k€173k▲
Trade receivables40€23k€23k▼
Other amounts receivable41€121k€150k▲
Cash at bank and in hand54/58€9k€20k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€165k€200k▲
Equity10/15€126k€100k▼
Contributions10/11€1k€1k=
Reserves13€125k€99k▼
Distributable reserves133€125k€99k▼
Amounts payable17/49€39k€100k▲
Amounts payable within one year42/48€39k€100k▲
Current portion of amounts payable after more than one year42€3k-
Trade debts44€10k€10k▼
Suppliers440/4€10k€10k▼
Advances received on contracts in progress46-€20k
Taxes, remuneration and social security45€26k€23k▼
Taxes450/3€26k€23k▼
Other amounts payable47/48-€47k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€79k€32k▼
Operating profit (loss)9901€73k€28k▼
Financial income75/76B€5k€7k▲
Recurring financial income75€5k€7k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€75k€32k▼
Income taxes67/77€23k€11k▼
Profit (loss) for the period9904€52k€21k▼
Profit (loss) for the period to be appropriated9905€52k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€21k▼
Transfer from equity791/2-€47k
Transfer to equity691/2€52k€21k▼
To other reserves6921€52k€21k▼
Profit to be distributed694/7-€47k
Return on contributions (dividend)694-€47k
The notes to these accounts (6 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €21k ▼59.5%
Net result drops to €21k, the lowest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €52k ▲102%
Operating result €73k, net result €52k, both a record.
30-09
Financial
Equity above €100kEq €126k ▲70.3%
7 profitable years in a row build equity to €126k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
15-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
28-12
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Antwerpen · 1 establishment unit since 2010
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.
Koxplein 162140 AntwerpenGround area
1,916 m²
Building footprint
256 m²
Volume, LiDAR
1,764 m³
2 parcels, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GUTS & C°
since 20102.185.203.231
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11462A0443/00Z000 | Flanders | 1,870 m² | 1 · 210 m² | 11.6 m · 2 fl. |
| 11006A0314/00E009 | Flanders | 46 m² | 1 · 46 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 12,319 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2010
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
52250Logistics services
52290Warehousing and support activities for transportation
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.