GUVA PARKET
ActiveGUVA PARKET has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €229k and a net result of €39k. Equity is growing by ~25.4% per year across the filed fiscal years. Its solvency ranks better than 56% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
96
/ 100
Excellent▲ +27 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency75▲+13
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 0.83 in 2024), and 47.7% of the assets are financed with debt.
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
52.3%
Return on assets
8.8%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
27 d late
2023
20 d late
2022
28 d late
2021
10 d late
2020
18 d late
2019
34 d late
← 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
Equity
€229k▲ 20.4%
2024 · €190k
2018: €29k
2019: €32k
2020: €68k
2021: €115k
2022: €122k
2023: €152k
2024: €190k
2018 → 2025
Total assets
€437k▼ 0.9%
2024 · €441k
2018: €96k
2019: €226k
2020: €477k
2021: €480k
2022: €425k
2023: €445k
2024: €441k
2018 → 2025
Net result
€39k▲ 1.3%
2024 · €38k
2018: €8k
2019: €3k
2020: €37k
2021: €51k
2022: €10k
2023: €30k
2024: €38k
2018 → 2025
Working capital
€9k
2024 · €-31k
2018: €16k
2019: €-85k
2020: €-207k
2021: €-130k
2022: €-122k
2023: €-77k
2024: €-31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€122k▲ 6.3%€152k▲ 24.7%€190k▲ 25.1%€229k▲ 20.4%
Operating result€57k-€15k▼ 73.4%€46k▲ 205%€56k▲ 21.8%€58k▲ 2.5%
Net result€51k-€10k▼ 80.2%€30k▲ 195%€38k▲ 27.1%€39k▲ 1.3%
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 2% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €437k
Fixed assets
€289k▲ 1.5%
Current assets
€148k▼ 5.2%
Equity and liabilities €437k
Equity
€229k▲ 20.4%
Debt
€208k▼ 16.9%
The debt ratio falls from 56.9% to 47.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€85k▲
2024 · €81k
Cash flow
€66k▲
2024 · €63k
Solvency
52.3%▲
2024 · 43.1%
Current ratio
1.06▲
2024 · 0.83
Quick ratio
1.01▲
2024 · 0.79
Debt / equity
0.91▼
2024 · 1.32
ROE
16.9%▼
2024 · 20.1%
ROA
8.8%▲
2024 · 8.7%
Interest coverage
84.51▲
2024 · 76.09
Debt
€208k▼
2024 · €251k
Debt ≤ 1 year
€140k▼
2024 · €188k
Debt > 1 year
€57k▼
2024 · €63k
Income taxes
€19k▲
2024 · €19k
Staff costs
€55k▲
2024 · €47k
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€441k€437k▼
Fixed assets21/28€285k€289k▲
Tangible fixed assets22/27€285k€289k▲
Land and buildings22€162k€151k▼
Plant, machinery and equipment23€11k€9k▼
Furniture and vehicles24€2k€28k▲
Other tangible fixed assets26€109k€101k▼
Current assets29/58€156k€148k▼
Stocks and contracts in progress3€8k€7k▼
Stocks30/36€8k€7k▼
Amounts receivable within one year40/41€7k€17k▲
Trade receivables40€4k€16k▲
Other amounts receivable41€3k€541▼
Current investments50/53€4k€10k▲
Cash at bank and in hand54/58€138k€115k▼
Equity and liabilities
Total equity and liabilities10/49€441k€437k▼
Equity10/15€190k€229k▲
Contributions10/11€12k€12k=
Reserves13€176k€214k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€174k€213k▲
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€251k€208k▼
Amounts payable after more than one year17€63k€57k▼
Financial debts170/4€63k€57k▼
Amounts payable within one year42/48€188k€140k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€46k€34k▼
Suppliers440/4€46k€34k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€7k€13k▲
Taxes450/3€4k€10k▲
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€128k€85k▼
Accrued charges and deferred income492/3€0€12k▲
Income statement
Code20242025
Non-recurring operating income76A-€124
Remuneration, social security and pensions62€47k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€27k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€131k€143k▲
Operating profit (loss)9901€56k€58k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€57k€58k▲
Income taxes67/77€19k€19k▲
Profit (loss) for the period9904€38k€39k▲
Profit (loss) for the period to be appropriated9905€38k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€41k▲
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer to equity691/2€38k€39k▲
To other reserves6921€38k€39k▲
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €200kEq €229k ▲20.4%
8 profitable years in a row build equity to €229k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Equity above €150kEq €152k ▲24.7%
6 profitable years in a row build equity to €152k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
31-12
Financial
Highest result since 2018net €51k ▲40.8%
Net result €51k, the highest in the series.
31-12
Financial
Equity above €100kEq €115k ▲68.1%
4 profitable years in a row build equity to €115k.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
31-12
Financial
Weakest financial yearnet €3k ▼61.7%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
12-06
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.
Directors · office · real estate
Directors
4 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, Essen · 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.
Postbaan 72K2910 EssenGround area
3,503 m²
Building footprint
244 m²
Parcel 11016B0586/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
GUVA PARKET
since 20102.194.852.652
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11016B0586/00F000 | Flanders | 3,503 m² | 1 · 244 m² | 0.0 m |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 59 EUR awarded · 59 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 59 EUR | 59 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 739 companies in sector 43332 we hold annual accounts for 408. 332 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2010
Fiscal year end31-12
Activities, NACEBEL
43332Laying of wooden floor and wall coverings
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.