GUY
ActiveGUY has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €306k and a net result of €220. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 72% of 7689 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency99=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.49 against 2.51 in 2024), and 36.9% 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 · 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
63.1%
Return on assets
0%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
27 d early
2023
8 d early
2022
61 d early
2021
19 d early
2020
61 d early
2019
57 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€306k▲ 0.1%
2024 · €305k
2018: €127k
2019: €124k
2020: €155k
2021: €308k
2022: €261k
2023: €316k
2024: €305k
2018 → 2025
Total assets
€484k▲ 1.3%
2024 · €478k
2018: €370k
2019: €409k
2020: €399k
2021: €509k
2022: €478k
2023: €498k
2024: €478k
2018 → 2025
Net result
€220
2024 · €-11k
2018: €43k
2019: €-3k
2020: €31k
2021: €153k
2022: €-47k
2023: €55k
2024: €-11k
2018 → 2025
Working capital
€192k▼ 10.4%
2024 · €214k
2018: €23k
2019: €2k
2020: €41k
2021: €147k
2022: €110k
2023: €173k
2024: €214k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€308k-€261k▼ 15.1%€316k▲ 20.9%€305k▼ 3.4%€306k▲ 0.1%
Operating result€158k-€-31k€56k€-1k€7k
Net result€153k-€-47k€55k€-11k€220
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €484k
Fixed assets
€164k▲ 34.0%
Current assets
€320k▼ 9.9%
Equity and liabilities €484k
Equity
€306k▲ 0.1%
Debt
€178k▲ 3.5%
The debt ratio rises from 36.1% to 36.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€66k▲
2024 · €50k
Cash flow
€59k▲
2024 · €41k
Solvency
63.1%▼
2024 · 63.9%
Current ratio
2.49▼
2024 · 2.51
Quick ratio
2.49▼
2024 · 2.51
Debt / equity
0.58▲
2024 · 0.56
ROE
0.1%▲
2024 · -3.5%
ROA
0.0%▲
2024 · -2.2%
Interest coverage
78.13▲
2024 · 56.07
Debt
€178k▲
2024 · €172k
Debt ≤ 1 year
€129k▼
2024 · €142k
Debt > 1 year
€50k▲
2024 · €31k
Income taxes
€6k▼
2024 · €9k
Staff costs
€156k▼
2024 · €176k
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€478k€484k▲
Fixed assets21/28€122k€164k▲
Tangible fixed assets22/27€122k€164k▲
Plant, machinery and equipment23€37k€78k▲
Furniture and vehicles24€85k€86k▲
Financial fixed assets28€50€50=
Current assets29/58€356k€320k▼
Amounts receivable within one year40/41€76k€187k▲
Trade receivables40€76k€187k▲
Cash at bank and in hand54/58€267k€114k▼
Deferred charges and accrued income490/1€13k€19k▲
Equity and liabilities
Total equity and liabilities10/49€478k€484k▲
Equity10/15€305k€306k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€285k€285k▲
Amounts payable17/49€172k€178k▲
Amounts payable after more than one year17€31k€50k▲
Financial debts170/4€31k€50k▲
Amounts payable within one year42/48€142k€129k▼
Financial debts43€5k€22k▲
Credit institutions430/8€5k€22k▲
Trade debts44€20k€20k▲
Suppliers440/4€20k€20k▲
Taxes, remuneration and social security45€38k€76k▲
Taxes450/3€15k€47k▲
Remuneration and social security454/9€23k€29k▲
Other amounts payable47/48€78k€11k▼
Income statement
Code20242025
Non-recurring operating income76A€15k-
Remuneration, social security and pensions62€176k€156k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€59k▲
Other operating charges640/8€11k€21k▲
Gross operating margin9900€237k€242k▲
Operating profit (loss)9901€-1k€7k▲
Financial charges65/66B€893€842▼
Recurring financial charges65€893€842▼
Profit (loss) for the period before taxes9903€-2k€6k▲
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€-11k€220▲
Profit (loss) for the period to be appropriated9905€-11k€220▲
Appropriation of the result
Profit (loss) to be appropriated9906€285k€285k▲
Profit (loss) brought forward from the previous period14P€296k€285k▼
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €220
Net result €220 after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-47k ▼130%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €153k ▲393%
Operating result €158k, net result €153k, both a record.
31-12
Financial
Equity above €200kEq €308k ▲99.1%
2 profitable years in a row build equity to €308k.
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Equity above €150kEq €155k ▲25.1%
Equity rises from €124k to €155k.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
21-06
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
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, Rumst · 1 establishment unit since 1997
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.
Steenberghoekstraat 252840 RumstGround area
644 m²
Building footprint
268 m²
Volume, LiDAR
1,447 m³
Parcel 11037D0005/00F002, Flanders · tallest building 11.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Steenberghoekstraat 25, 2840 Rumst
since 19972.084.065.190
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11037D0005/00F002 | Flanders | 644 m² | 1 · 268 m² | 11.4 m · 1 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
JOOSEN RECYCLING
BE 0875.719.760
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TesTec
BE 0473.267.750
Brasschaat · Eq €305k
Steve Oellibrandt
BE 0650.677.879
Beveren-Kruibeke-Zwijndrecht · Eq €306k
Ggili
BE 0743.424.133
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T.P.H.
BE 0431.118.082
Doische · Eq €306k
Of 8,398 companies in sector 43120 we hold annual accounts for 3,206. 2,407 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-10-1997
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
45112
49410Freight transport by road
46831Wholesale of construction materials, general range
46872Wholesale trade
51532
51570
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.